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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I opened a loan with Hyundai Motor Finance in XXXX. I attempted to trade in the vehicle with a different company on a different vehicle. The new dealership called Hyundai Motor Finance for a payoff amount and the employee of Hyundai Motor Finance gave information from my account to the new company without permission and told the new company not to do business with me because they claimed my loan was in default. 

My loan was not in default, there was an issue with a deferment agreement and they put my account in default without resolving the deferment agreement issue. 

The new company refused to do business with me, and Hyundai Motor Finance is to blame for that. In addition, Hyundai Motor Finance has told me that the actions of their employee violated the law and their company policy. I have made multiple attempts to resolve these issues, but Hyundai Motor Finance keeps adding excessive interest to my account and claiming I own them more than double the amount of the note. 

I attempted several times to make payments on the note, only to be refused by their website. I called them and they told me I am had to pay a charge to make payments over the phone even though the web page payments are free.
Product: Credit reporting or other personal consumer reports

Hi Equifax, I just received a copy of my credit report and I can not believe people steal my personal information to obtain fraud accounts without my knowledge. 
I found XXXX fraud inquiries below that not authorized by me and shall delete from my credit report. 

XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX XXXXXXXX, inquiry date : XX/XX/year> XXXX, inquiry date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXXXXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

Failed to stop sending notices, failed to provided details of amt due, fialed to send request information per my letters. 

Violated Fair Credit Collection Laws. Fail to response to my letters requests.
Product: Debt collection

Convergent Outsourcing Inc is fraudulently and wrongfully attempting to extort money from me for a make believe debt that I do not owe to a company XXXX XXXX XXXX AKA The XXXX XXXX XXXX in XXXX Alabama that I have never done business with ever. I live in XXXX XXXX. I have never been to XXXX Alabama. This is a joke and an illegal attempt to get me to pay something I do not owe or have ever done business with these companies. This collection agency is falsely claiming that I created an account and owe {$1000.00} that is a false obligation. The reason the credit reporting bureaus have placed me in a credit freeze for XXXX years is because of ID Theft. Also, recently my XXXX XXXX XXXX card number was stolen someone attempted to use it but the charges were rejected. This is another case about collection agencies abusing credit systems and collecting to force consumers hands, like me, to pay regardless of whether or not they are truly at fault. I will never in a XXXX years pay this as I am not responsible and disputing this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

following inquires are on my credit report and per usual they are worthless in resolving the issue XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal and private financial information/ssa aid/credit score/address/and other personal information was sent out to 2nd and 3rd party without my consent or any type of authorization or permission granted. Also there's been a national system breach on information and I believe that the individuals who are responsible has got their hands on my information I haven't been in use of my credit usage and I know for a fact that I've been a victim of the security breach and a fraudulent activity doer .... 

I would like to be compensated and giving a claim
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 th

an 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act, The list of Accounts below has violated My FEDERALLY PROTECTED CONSUMER RIGHTS!!!, To PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Has violated my rights 15 USC 1681 section 602a, 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 A account without my written Consent or Instructions. 

15 USC 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 if information other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 s-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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX  XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

I have 2 fraudulent inquires with XXXX XXXX bank and XXXX XXXX  that are reporting to my Transunion XXXX XXXX. I believe I am a victim of identity theft. On XX/XX/, someone applied for two credit cards in my name that I did not authorize. To be clear those inquires are with XXXX XXXX and XXXX XXXX. I know for a fact it is fraudulent because the information attached to the inquiry is incorrect. The address and the phone number are both incorrect!! This is negatively affecting my credit score because I am trying to get a new car and new house and banks see these new fraudulent inquiries reporting to my credit profile which can get me denied. I need these fraudulent inquires removed immediately. It is illegal to report false information to my credit report!! please contact me back as soon as possible with these inquiries removed off my credit report!! Thank you!!
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove, XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX from my consumers report, this payment is being reported twice within another XXXX XXXX account XXXX dated the same year and month, I was never late on this self-lender account. This is against FCRA to have two of the same payment reporting on two different accounts I have never been late.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER gave you written notice and consent to report ANYTHING on my consumer reports. 
As a consumer by law this account must be deleted or late payments must be deleted immediately or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Stride Funding regarding an ongoing issue with my Income Share Agreement ( ISA ). I have reached out to them multiple times via email to inquire about what specific proof is required to demonstrate that I am unemployed, as I have not found employment after completing the program. However, despite my repeated attempts to communicate, I have yet to receive a response from Stride Funding. 

Despite my current unemployment status, I am being continuously charged under the terms of the ISA, which is causing financial strain. I understand that under the agreement, I am not required to make payments unless I am employed, but Stride Funding has not clarified what documentation they need from me, and I am being unfairly charged.

I am requesting your assistance in resolving this matter. I would like Stride Funding to cease charging me while this issue is being investigated, and I seek clear instructions on how to proceed with submitting the appropriate proof of unemployment.

Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account opened XX/XX/XXXX and XX/XX/XXXX, has violated My rights 15 USC 1681 Failure to report complete and accurate information. In XXXX XXXX XXXX TransUnion all reported that I had a past due balance on a charged off account which is incomplete and in accurate and in violation of 15 usc 1681. Both. XXXX and XXXX show payment history mean while TransUnion shows no history which is also inaccurate and complete which is in violation of 15 usc 1681
Product: Checking or savings account

On XX/XX/2022 I received a text message saying that there was suspicious activity on my account and there was an attempt made to take money out of my account. Then I received a call from a caller ID under wells Fargo and I talked to someone who impersonated a banker and told me there was suspicious activity on my account. They told me to state my full name, number, and email. Then they proceeded to tell me to XXXX  the amount of monye that was tryin got be taken back to myself so I could secure it and make sure this " person '' would be denied access. Once it was done, the money was taken and the " banker '' hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone through the online process three times since Equifax launched the page offering consumers Identity Theft protection as a result of THEIR breach and have yet to receive the activation email. 

I have also called Equifax twice and was told twice that they would call XXXX to request they send me email including calling them today to get bounced to three different people and the last guy I was transferred to kept asking me over and over and over again what site I was using to enroll after telling him over and over and over again that I was going through Equifax 's home page. 

Clearly Equifax has not resolved the issues with getting this matter resolved so consumers can sign up for Identity theft protection for the breach in their systems and since my credit score with Equifax is XXXX!. according to XXXX XXXX, there is  no doubt some sort of fraud on my Equifax Credit report because I have no legitimate accounts there are negative or unpaid, and yet NO WAY To ACCESS my Equifax Credit Report because they have n't sent me the bloody activation email and the customer service reps answering the phones clearly have no clue what they 're doing either.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 am not liable to any dept withXXXX XXXX XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted and this company re added negativeitems to my credit file I am attaching a notice of deletion from XXXX.
Product: Mortgage

When processing our new mortgage AimLoan.com, used an automated estimate from the county assessor 's website with erroneous data that produced a tax estimate more than three times the correct amount. This was not disclosed until they provided a loan commitment letter on XXXX/XXXX/2015, and we immediately brought the error to their attention. Since we were already well past the originally scheduled closing date, they advised we could close with the erroneous tax estimate, and it could be corrected immediately after closing. Based on the bad estimate, at closing, AimLoan collected a large escrow deposit that more than covered a whole year 's worth of taxes and insurance. After closing, we notified the servicing company of the problem verbally over the phone, and they instructed us to e-mail the correct estimate from the assessor ( which we had to obtain ourselves ), and they would fix the problem. After not hearing from them for a week, we received a statement listing a $ XXXX monthly escrow charge, so we sent them a RESPA notice about the error dated XXXX/XXXX/2015 ( now up to more than 4 separate contacts about the problem ). The only response we received was an acknowledgement dated XXXX/XXXX/2015 that they had received the RESPA notice. Then, on XXXX/XXXX/2015, we received another mortgage statement with the {$480.00} charge still listed. The lack of responsiveness and inability to correct an obvious mistake has prompted this complaint.
Product: Checking or savings account

From XX/XX/XXXX - XX/XX/XXXX someone in XXXX XXXX was using my Bank of America debit card to ordeXXXX XXXX XXXX food deliveries almost every day or every other day. I do not live in that area it is an hour away from me. The orders are from XXXX XXXX and XXXX XXXX mostly. I live in XXXX XXXX XXXX. I literally would not be able to order in food over there because I am never in that area. The restaurants they are ordering from I have never been to. The purchases range from $ XXXX {$120.00}. 

I am gluten free/ XXXX XXXX and sober and most of the purchases are pizza, pasta, fast food, burgers, and alcohol. 

I live in XXXX XXXX XXXX. You can see from my credit card that I mostly use ( XXXX XXXX ) that I am out of town a lot of the dates that these purchases are being ordered on XXXX XXXX to XXXX XXXX and XXXX XXXX. attarched are screenshots of all of these purchases.
Product: Debt collection

Hello, I want to first give a background story as to why XXXX XXXX at Cheek Law firm began harassing me in XXXX. To begin, XXXX bank says that I opened a " Credit Card '' on XXXX XXXX, XXXX and closed it on XXXX XXXX, XXXX as unpaid. I have never applied for a credit account with XXXX. I would like this taken off of my credit immediately. If you are unable remove this from my credit history, I would like supporting documentation including signatures showing I applied for credit and agreed to the terms and conditions on the account. 

Now that I have explained the back story, I will get into the harassment I have been enduring for seven years. Because of this, there is a public record from the XXXX XXXX XXXX courts for a garnishment of my wages by Cheek Law Firm and XXXX for the {$1700.00}. This case should not even exist as this was a write off error from XXXX stating this was a credit card debt. I was not aware that a " default judgment '' was going on from XXXX to XXXX, as it clearly states that I have NEVER signed for a judgment or garnishment. During this time period, XXXX XXXX from Cheek Law Firm has garnished my wages for 5 years, taking more than the original " debt ''. He has repeatedly called me and sent me fake letters saying I will go to jail. There can not be a case without a valid signature from certified mail, which leads me to believe a signature may have been forged. Cheek Law firm has left me alone since XXXX when the case was closed until now. I received a letter from Cheek Law Firm saying they are reopening my closed case and now this time XXXX XXXX wants {$4000.00}, with no reason as to why they are re opening the case, or why the money that was paid has somehow tripled in " debt ''. I have reached out to Cheek Law Firm to provide documentation of my knowledge and signature that I did agree to this debt, which they can not provide. 

After realizing now that my wages have been garnished for {$1700.00}, I would like Cheek Law Firm to reimburse me for the illegally garnished wages for the five years as there is no documentation and no representation. I would also like XXXX XXXX to stop stealing from me and harassing me by opening cases that have been closed for four years and asking for triple the original debt amount. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have a loan with lendingclub.com i have moved the payment before to a different date and they charge me extra, i now i have moved the date to a closer date, and they don't want to lower that payment for that moment, this is ok..i have to pay on the XXXX each month, now I move to the XXXX of this on, and is the same amount, should be lower the first month., also i recucest t o lower the interest i see now is to much, and they refuse, what they tell me is to get another loan ... this is right. the interest rate i have is 35.9 % is very high.