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

hi XXXXhas a 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 XXXXXXXX XXXX has me at a score around XXXX. 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 us 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Checking or savings account

It has been 6 weeks, and I am still waiting for any answers and reimbursement for fraudulent checks that were cashed using my checking account at Citizen 's Bank. 

I believe I should have at least received a full interim credit ( provisional credit ) within 5 days of my claim, pending the outcome. I did not. I believe this is in violation with banking laws. I also believe the bank is in violation of the Fair Collection Practice, as collection practices are illegal while there is an open claim. 

Here is a full account of what happened. Documentation is also provided. 

A fraudulent check was cashed XX/XX/19 using my checking about information. This brought my account to {$0.00}. I immediately filed Claim # 1 to report fraud and closed the account to prevent it from happening again. A week later on XX/XX/19, another fraudulent check was cashed using the SAME bank account that was supposedly closed, bringing my account now negative hundreds of $ $ . I  immediately filed Claim # 2 to report the fraud and ask how this was possible even though the account had been closed? The banks repression was that the account had not yet been purged from the system, and they would put it in a credit only status on it to prevent it from happening again. Why had the account not been put in credit only status to begin with? I was told that Claim # 1 and Claim # 2 would be addressed within 6-8 weeks. 4 weeks later, I received an affidavit in the mail to sign. I thought this was part of the process, so I signed the paperwork and mailed back immediately. 6 weeks from XX/XX/19, I called to check the status of the claims, and they said they had just received my affidavits and would begin working on the process. After 6 WEEKS. In the meantime, my account was hundreds of $ $ $ in negatives. In the meantime, I received an alert that a deposit had been made into my checking account. I thought this was the reimbursement, but quickly found out that the money in my savings account had been moved into my checking account to correct the overdrafted negative balance of the checking account! I called the bank, where I was referred to the Collections Department. They apologized for the mistake, saying that the Fraud Department had not communicated my claims to them. I asked them to correct the problem immediately, because I now had NO money at all left in either my checking OR saving accounts now. They said the best they could do was 48 hours. I waited and my money was returned the next day. However, there was no excuse for this, especially after my original hardships. This is illegal according to the Fair Collection Practice. 

At 6 weeks, I am still waiting to reimbursed for the fraud with no updates from the bank. This has caused me and my family extreme financial and emotional hardship. I am considering filing a lawsuit against the bank.
Product: Credit card

I am disputing the collection account with DISCOVER, account XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that DISCOVER, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

Upon checking my consumer report. I see that your company is saying that i owe you. I have never did business with your company and any account that is open with your company is fraud. I didn't give your company or any one else authorization to access my report or open anything in my name.
Product: Credit card

Dear Consumer Financial Protection Bureau, It has now been a month since I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding my credit card company, Oportun. This company is fully aware that there have been three unauthorized transactions on my account, which I promptly reported via text, clearly indicating that these transactions were fraudulent. 

Despite my efforts to resolve this matter directly with Oportun, they failed to investigate the case adequately for months. After I escalated the issue to the CFPB, Oportun claimed to have reopened the investigation. However, upon checking my account today, I found that the fraudulent transactions have been posted back without any prior notice or communication from Oportun explaining what transpired. 

Not only is Oportun neglecting its responsibilities, but it is also demonstrating a serious lack of proper investigation into customer concerns. Their quick response following my complaint to the CFPB seems to be an attempt to deflect accountability rather than a genuine effort to resolve the issue. 

Given the circumstances, I believe it is crucial for this credit card company to be placed under formal investigation for its mishandling of customer issues. They have acknowledged that these transactions were unauthorized, yet they have failed to provide me with valid information or a satisfactory resolution. 

Due to the continued mishandling of my account and the lack of effective communication from Oportun, I am also considering taking legal action in civil court. It is time for someone to stand up and take decisive action against such practices. 

Thank you for your attention to this important matter. 

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

FedLoan Services transferred my XXXX XXXX to XXXX in XX/XX/2022. I noticed on my credit in XXXX that Fedloan continues to show my loan as open/active with over a $ XXXX balance. I now have XXXX student loans balances owed ( XXXX ) on my credit report!! I contacted Fedloan and they would not speak to me and the recording said for me to contact XXXX. I contacted XXXX and they said I had to dispute my credit report. 

I disputed both XXXX and XXXX and both results came back as account active and will not remove close/remove Fedloan from my account. I have since been denied credit as a result of this exorbitant loan balance and my debt to income ratio has been impacted.
Product: Consumer Loan

XX/XX/2016 I was in dire need of a vehicle. I was 7 months pregnant and could not get approved for any loan. In an act of desperation, I applied to Roadloans, a subsidiary of Santander Consumer and to my surprise I was approved. After a long process of narrowing down a dealer, I was told to go to XXXX by Roadloans, because as I was told " they worked closely together and were familiar with each others practices. I went in chose my vehicle and signed the paperwork. During this process I was given what I was told would be the terms of my loan prior to me agreeing to finish the process. I knew the interest rate would be unreasonably high and that I had no down payment however with the information they provided me, I was able to calculate the vehicles cost, taxes, titles and fees along with the interest rate so that I would have a monthly payment I could be comfortable with and eventually, I could refinance my auto loan for a better rate, I expressed my concerns multiple times to both companies and was reassured that they would follow the terms of my paperwork and that my calculations would be correct. 

Once I filled out the paperwork and " purchased my vehicle '', I was informed that I had a 5 day return policy on the Vehicle. Following the closing of this sale, I was never given any paperwork or contacted during this period by Santander/ Roadloans regarding my loan or verifying the terms of my agreement. Imagine my horror when weeks later, after it was past the point of return, I received paper word from Santander stating that my loan was much higher than what was presented to me. I called to inquire about this and was told that the company later add features to my financing contract such as the Gap insurance. I asked why I was no informed that this was an additional charge prior to me agreeing to the terms, and why was I not allowed to pay for said feature upfront. I received no explanation. Also the cost of my vehicle seem to sky rocket up an additional XXXX not including taxes or fees. 

Because of this unethical practice, I am now stuck upside down with a car loan that no one will refinance. My car payment is ridiculously high and and about XXXX % of my monthly payment goes to the interest. This is ridiculously unfair. Because I was never given the actual terms by Roadloans/Santander during the days following my purchase, I was unable to return my vehicle and walk away from this fraudulent deal. If I could do this process all over again, I would have never trusted this company and would have never signed the next 6 years of my life paying almost double for a car that is not worth half.
Product: Credit reporting or other personal consumer reports

XXXX Inquiries in which I did not inquire. My ssn has been misused in multiple occasions and my credit has suffered because of it. 

XXXX XXXX SERVICES ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  XXXX 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 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Equifax has placed false and misleading information on my credit report that led to me being turned down for credit ( {$130.00} balance to XXXX of Virginia was reported ).
Product: Credit reporting or other personal consumer reports

CFPB, I'VE DISPUTED WITH EXPERIAN ABOUT 2 ADDRESSES THATS LISTED ON MY CONSUMER REPORT, THAT ARE NOT MINES I'VE EVEN UPLOADED A COPY OF MY LEASE. AND EXPERIAN CONTINUES TO IGNORE IT.
Product: Debt collection

I had an account with XXXX XXXX  with a balance of around {$2500.00}. This past due account was sent to I Q Data where they've updated the account balance to {$6000.00} which is completely absurd and deceptive. 
Not only did I Q Data re-age this account by updating the " date of last activity '' to reflect the date of XX/XX/2022, they also added fees in excess of over {$3000.00}. This company is unethical, unprofessional, and harassing, this causes stress. Due to this inaccuracy, my credit scores have been negatively impacted. I've reached out to this company attempting to resolve this issue but to no avail.
Product: Credit card or prepaid card

I called well Fargo on XX/XX/XXXXXX/XX/XXXX and to do a balance transfer and I ask for XXXX dollars to be send to a bank and I realize I gave them them the wrong account number and I I called a week later and I ask for the funds to be reversed and they are unable to do so and want me to called XXXX XXXX and I called XXXX XXXX and they told me to call well Fargo and talk to them and second problem is on XX/XX/2019 I sent a check in the amount of XXXX to well Fargo account number ending XXXX and on theXX/XX/XXXX the XXXX was reversed without my permission and I notified XXXX XXXX  and they told me they never requested for the XXXX to be reversed and Im trying to get a grand total of XXXX plus the balance transfer fee of XXXX refunded back to my credit card ending XXXX
Product: Debt collection

Today I checked my credit report and noticed I had an unpaid debt " derogatory remark '' against me on my XXXX report. It listed a City of XXXX ( original creditor ) unpaid parking ticket placed there by Professional Account Management ( debt collection agency ) on XX/XX/XXXX. I have never received correspondence regarding this ticket or debt from either party. 

I called Professional Account Management on XX/XX/XXXX at XXXX and they did not have my current address on file. They had a previous address in XXXX from 10 years ago. They claim mail was never returned as undeliverable so no attempt was made to verify my contact information. They told me my only option was to pay or contact the City of XXXX. 

I then called the City of XXXX parking on XX/XX/XXXX at XXXX and spoke with XXXX. The City of XXXX did have my correct address on file ( I did not provide the address for verification -- he provided it to me ). XXXX stated that the ticket was from XX/XX/XXXX for a blocked sidewalk citation and said my only option was to pay the debt. 

I never received the parking ticket on my car. I never received correspondence, either in writing or over the phone, from the City of XXXX or from Professional Account Management, even though the City of XXXX had my correct address. I have lived at the same address for the past 2.5 years, and my correct address is listed on my Texas driver 's license.I have no other derogatory remarks on my credit report and have paid all bills reported on time. I feel that this nuisance debt for a parking ticket was unfairly reported to credit bureaus -- if I had been contacted by either the City of XXXX or Professional Account Management and given the chance to pay the debt, I would have paid it to keep the charge from appearing on my credit report. It is n't fair that a negligible debt I was not made aware of can damage my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> about XXXX. I submitted a dispute XXXX to Trans Union to remove name variations. My name is XXXX XXXX legally and birth wise and to remove all others, there were several. There were many phone numbers, my phone number is XXXX XXXX XXXX, which was provided. Addresses that are so old or Ive never lived. My address is XXXX XXXX XXXX XXXX XXXX TX XXXX. Also old employers. 

Under FCRA, I am entitled to have only the information that pertains to me currently on my report. I wouldnt be able to receive mail on any of those other addresses therefore it should be removed. 

The report came back as resolved XXXX min later where they changed my address to a former, and kept XXXX old addresses. I cant receive mail on those addresses as they were years ago. 

In addition, Trans Union is abusing my file by bypassing the security freeze I have on it with regularity by pulling my report if not everyday, several times per week so that there are many inquiries that show up under Trans Union. 

I want them to put the info that I submitted to them to correct my information. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/2022, and XXXX XXXX XXXX  but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX 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

Hello My name Is XXXX XXXX the hard inquiry account on my. Transunion credit report in the name of : XXXX XXXX XXXX. need to be deleted. The account is incorrect and was first introduce to me as a Soft Inquiry not a Hard Inquiry. Thank you
Product: Debt collection

This item on my credit report which I'm disputing is being handled by a law firm/collection agency. Someone else already has sent me court papers and I have a hearing date of XX/XX/year>. Today ( XX/XX/year> ) I've discovered this collection agency on my credit report. I've never received any letter or notice from them giving me the opportunity to either dispute them or explain someone else is already taking me to court. At this point I feel harassed and the amount of stress I am feeling is too much.
Product: Debt collection

Call from " Unknown Caller '', but tells me to call  XXXX , for more information., demanding I produce  2 forms of ID and be prepared to sign court documents that will be served between 1-3 tomo rrow. Served at my address, work or husbands address.   Does not say for what, who or why. Person Identifies as  XXXX   XXXX .   Calls me 3 times in a row, after I hang up. Can not block call, as it is from " Unknown Caller
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance Owed XXXX {$1400.00}
Product: Mortgage

To Whom It May Concern. 

This is my second dispute with the CFPB regarding this issue. My original compliant number is XXXX. 
Please see attached response from TD Bank Representative. The Representative documented my XXXX payment was not the full amount and was short {$290.00} which caused my XXXX payment late. I have provided the annual statement I received from TD Bank specifying my new mortgage payment amount and also I attached my payment history provided to me by TD Bank. On XX/XX/21 I made a payment in the amount of {$1600.00} which is the correct amount due based on the statement provided to me. Unfortunately, there was a delay in processing my deferral which caused huge discrepancies on my account, however due to the delay on TD Bank it caused my payments to appear as partial payment and late. I am not asking for the late reporting to be removed as a courtesy but requesting the late reporting to be corrected because the error was on TD Bank and the delay and processing of my deferral and updating my account.
Product: Mortgage

XXXX XXXX XXXX California and Franklin Loans continue to violate the law with shared marketing agreements in violation of respa. they continuance to steer borrowers to pefered lender in exchange for compensation, XXXX