23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Alterations to a items tag or complete removal of it before it reaches the end user.
Product: Debt collection

I have been receiving phone call from a company that is called TE & A also know as Trinity Everest and associates. They have been calling from XXXX. The phone calls started in XX/XX/XXXX of XX/XX/XXXX. they threatened me with further legal action .On their voice mails that were left on XX/XX/XXXX, XXXX, and XXXX they stated there is a motion being filed to suspend all bank accounts and tax returns bearing my social security number. if i did not participate they will go forward with due process with out my participation. 
On XX/XX/XXXX.i spoke with them because the phone call had been increasing they stated their name was Trinity Everest and associates. They were trying to reach me regarding a judgment they would be placing against me. resulting in the freezeing of my accounts and collect moneys owed by garnishing my wedges or tax return if the debt i owe is not paid. They claim that an outstanding dept of {$150.00} is owed to XXXX XXXX for an outstanding overdraft fee from XX/XX/XXXX. They claim the debt went into default in XX/XX/XXXX and was up to {$570.00} and now because of their collection services it is up to {$1500.00}. They claimed that if i did not settle this debt a judgment will be placed against me and i will owe {$3900.00} because of the additional collection fees and court costs. 
When i spoke with the company on XX/XX/XXXX I asked to speak to a supervisor he said his name was XXXX XXXX an attorney handling my case. The phone number i could reach him on was XXXX. I asked for them to send me the debt i owed or any information regarding the debt to me in writing but he refused to do so, saying that they had in the past tried, and started giving me a lot of legal jumble in order for me to give him a payment right away, He said if i payed most of the debt by credit card to him it would settle the debt. I offered to pay if he sent me a letter head of the company and proof of the debt. He told me he could not but once i gave him a credit card number in good faith that i would pay he would settle the outstanding debt and cease further legal action, and send me a letter stating that the debt was settled. 
Today XX/XX/XXXX they company continues to call me. I blocked the old number ( XXXX ) XXXX-XXXX so they have called from a different number XXXX threatening me again to make a payment or they will continue with the judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first complaint back on XX/XX/21 ( complaint details attached ) because Experian was violating my federally protected rights as a consumer pursuant to the FCRA. I never gave Experian written consent to furnish two ( 2 ) inquiries on my credit report and file. I sent them an Affidavit of Truth stating this along with an invoice to compensate me for the violations. ( all attached ) Their response to this complaint was " ... Regarding the inquiries, by federal law, your personal credit report must list all organizations that have requested your credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. '' ( complaint details attached ) This was not an adequate response to an Affidavit of Truth. In accordance to the laws of Commerce, an un-rebutted affidavit stands as Truth. After they did not comply to this complaint, I filed another complaint stating just this. Experian responded "... According to our records, the disputed information does not appear on your current Experian credit report. '' I checked my credit repot and file and they were deleted. These inquiries were previously on my credit report and file. The exhibit in the affidavit sent shows proof of them. I write this third complaint in hopes that the CFPB will hold Experian accountable to compensate me for their violations against me pursuant to the FCRA.
Product: Debt collection

IVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE WHO STOLEN MY IDENTITY OBTAIN A LOAN WITH XXXX XXXX XXXX Original creditor : CHRYSLER CAPITAL OPEN ON XX/XX/2018 IVE TRIED COMUNCATE WITH THEM REGARD THAT FRAUDULENT ACCOUNT NEVER GOT A RESPONSE FROM THEM. I WROTE LETTERS AND HAD TO MAKE A POLICE REPORT MAIL IT TO THEM AND NEVER GOT A RESPONSE
Product: Credit card

I accepted a no interest offer from the company ( USAA Federal Savings Bank, Credit Card Services ). The statement does not list items for interest bearing amounts vs interest free amounts. 

Phone 1 : XXXX? I called the company to identify the amount I had to pay to not get charged interest ( the purchasing amounts ) and the discrepancy I was not seeing on the statement. I was told the purchase amounts was applied as the same interest free as the transfer balance. 

Phone 2 : XXXX? I called the company when I saw an interest amount charged. 

Phone 3 : XXXX? I called the company when I saw an interest amount charged. I asked them to notate the XXXX XXXX and requested why the interest was charged.

For the next payment, I paid the balance on all purchases plus additional money to see if there would still be an interest charge. This statement came in today and there was an interest charge.

I do not thing they are applying the payment correctly as I understand the mandated parts of the XXXX  and XXXX XXXX.
Product: Credit reporting

Transunion refused to remove the item from my report after being notified that the creditor acknowledged that the item was not mine. I provided the creditor statement and other relevant information to trans union but they continue to report this item on my report.
Product: Payday loan, title loan, or personal loan

Hello CFPB I am submitting this complaint and seeking your assistance to prohibit Selene Finance from foreclosing on my home located at XXXX XXXX XXXX, XXXX  XXXX, XXXX NC XXXX ; loan # XXXX. My XXXX XXXX mortgage was previously held by XXXX then sold to XXXX ( peer company to XXXX ) and then sold to Selene. XXXX refused to honor the protocols allowed to XXXX XXXX  backed mortgages and stonewalled me with various excuses and insisting I refinance the loan. When Selene took over as the mortgage servicer I was told the loan was not backed by XXXX XXXX and refuses to provide information regarding who currently owns the loan. 

On XX/XX/2022 I submitted an the Borrower Assistance Program application, followed by weeks on being advised that Selene had not received my application. As it turns out the issue was that Selene would not access the link provided in the email which contained the digital forms. Thereafter it was multiple requests for additional documentation, repeat documentation, signed documentation. Resulting in my application being cancelled on XX/XX/2022 and my home going into foreclosure status. I've been advised by Selene that my home is in the foreclosure process but that my request for assistance is under consideration, however that the foreclosure process continues underway which is going to result in Selene selling my home. I have requested Selene to do the research on the loan as it was previously backed by XXXX XXXX  and since the request for assistance started during the Covid109 Pandemic that allowed payments to be suspended. To date Selene has and will not provide information on that topic. 

I'm requesting your assistance in putting a stop to the foreclosure process on my loan XXXX / home while my request for assistance is reviewed and hopefully approved. I also want assistance in requiring Selene to acknowledge this is a XXXX XXXX backed loan and therefore eligible for all options for repayment / modification.
Product: Credit reporting or other personal consumer reports

In the past several months I have sent letters certified in the mail, asking them to take off the inaccuracies m. I have repeatedly reminded them kindly that According to FCRA section 605b, its illegal to report any inaccurate information on my credit report. Please remove these negative items! 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 ). I KEEP SENDIN LETTERS AND NOTES AND NOTHING CHANGES! XXXX  loans are still on there, along with the innacuracies!
Product: Debt collection

Debt is for school issued health insurance that was never issued/used and a waiver was applied for though I havent been a student since approximately XXXX. Debt was claimed in bankruptcy petition. While in bankruptcy stay, XXXX sent the account to collections twice AFTER receiving the initial bankruptcy notice. XXXX never asserted a creditor claim but violated bankruptcy stay laws by sending the account to collections ; nonetheless the bankruptcy was Ordered and the debts were XXXX. 

XXXX has now resurrected the debt, alleging it was student loan and that it was last due in XXXX ( XXXX years after any attendance ) and assigning it to collections, with interest, despite repeated notice of its discharge. My student loans are serviced by XXXX and are current, this was never student loan debt or class expenses
Product: Debt collection

This is a XXXX sold to a debt collector. When they first contacted me over the phone and was requested the how the fees equivalated, I was asked to just pay well during the time and now. I am still residing with others and have no home of my own. Due to these false reports. I have spoken with them several times and during the COVID pandemic there were companies that wanted to help because me and my children were living in hotels and now living with someone, so despite me asking them how the charges were even held against me and how did they receive my account I was repeatedly ask to just pay. And for the life of me, the individuals knew the home had mold and I was paying {$700.00} of rent which housing would have only been paying {$50.00}. There is no way with XXXX children and XXXX grandchildren I received to much income but they insist that I did and I'm trying to understand how. So now they have been continuously calling and trying to retrieve debt to a debt they brought and reported to the credit late. I was never notified from the company themselves until I tried to apply for housing out of town. And I have emails where they were told and asked when was the debt accumulated and now this company is trying to retrieve a debt, I never gave them permission to retrieve.
Product: Mortgage

I have been trying to get a " stringline '' mortgage done with XXXX since XX/XX/XXXX of this year. I have finally ended my relationship with them due to concerns over private information sharing and their practices are concerning.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/84 ssn : XXXX XXXX XXXX XXXX XXXX s. XXXX XXXX XXXX, nevada XXXX XXXX XXXX XXXX XXXX XXXX nys XXXX today in XXXX XXXX XXXX XXXX and XXXX XXXX lets remember no us bank can keep you from your cash for any reason. not to mention if chase needs to verify someone theirs a corporate number a important person at every branch calls and computers verify you ... and youd think i was actually me before asking i already know questions thry ask to verify if ya lost ya card they aint ask mr how much i get from us treasury monthly ... even told them my last two withdraws were from XXXX ... and id imagine since fdic insurs ya cash there are federal rules in situations like this. so you know why this guy told the teller not to give me my cash? cause my signature didnt match when opened scct five yrs ago i go give me an email address youll have ya in box XXXX not good enough cause he ran and tellers need over ride but XXXX intelligence ifentification protection act and this wouldnt mean XXXX if i walk around XXXX and facial recog? what i want a federal investigation not on me but chase jp morgan and how when one campaigning one thing but do me a favor you know..then actually do whatever you think is right ...
Product: Credit card

On XX/XX/2024 I applied online for a Discover credit card where I was discriminated against and denied my right to be extended credit. I notified XXXX XXXX the agent who I spoke with on behalf of Discover about retracting my application which is secured collateral if the extension of credit was not received ... he then misinformed me that EVERYONE does not have a right to credit and can be denied. I notified him that I gave valuable information ( social security card- creditcard ) but didnt receive the property in return. Below you can see where I was denied and where my credit report pinged an update due to them running my credit
Product: Debt collection

This is NOT my account. I have never lived in the service area. I asked to validate the debt but did not receive any information. I have Never received a bill or any proof to substantiate this debt. I asked them to provide ANY documentation that this belongs to me. I would like them to remove this item from my credit report immediately. 


Disputed this collection account on my credit report at least 3 times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also call the collection agency. They were going to request additional documentation, but did not receive anything from the inquiry, except saying it was valid. 

Dispute results came back each time with the same information. 


INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Original Creditor. Here is how this account appears on your credit report following our investigation. 

TELERECOVERY XXXX XXXX XXXX XXXX, LA XXXX Account Number XXXX Name TELERECOVERY XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$180.00} Original Amount {$180.00} Original Creditor XXXX XXXX XXXX XXXX ( Cable/Cellular ) XXXX XXXX {$180.00}
Product: Credit card or prepaid card

Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. 
I contacted XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 

15 u.s.c 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c section 602 A states I have the right to privacy I request that you investigate all inquiries listed above on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Product: Credit card or prepaid card

See complaint # XXXX. The issue discussed in that complaint is not resolved. In a letter dated XX/XX/XXXX, Barclaycard responded to my complaint, informing me of a statement credit dated XXXXXX/XX/XXXX. The value of that credit, however, was only 50 % of two of my five qualifying onboard purchases. No credit was provided or has since been provided for my qualifying onboard purchases appearing on the statements that closed on XX/XX/XXXX and XX/XX/XXXX. Accordingly, despite the XX/XX/XXXX, credit, Barclaycard still has refused to provide the advertised benefits in the Business Card Agreement.
Product: Credit reporting or other personal consumer reports

An According with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, XXXX XXXX account # XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the Rights 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: Payday loan, title loan, or personal loan

When signing documents for the Line of Credit with BoA, we pointed out that the documents read variable interest rate when we were promised a fixed rate. We were told by the loan officer that the rates would be fixed at the time of withdrawal. I made of note of this on the documents before we signed and stated I was very uncomfortable that this process was not clear in the note. 

My husband was responsible for managing the loan and repayment. When I happened to open a statement in XX/XX/2023, I noticed that the rate was NOT fixed and called BoA. 

On XX/XX/XXXX at XXXX est, my husband and I spoke with XXXX. We opened case ID # XXXX. We were told a case manager would be assigned and we would have resolution within 30 days, and that the case manager would reach out for more information. No one reached out or contacted us. 

Today, XX/XX/XXXX, my husband and I contacted BoA again. We spoke with XXXX. He told us he reviewed the files and there was nothing he could do but offered options to fix our loan now. XXXX did state that he would enter another complaint for BoA to review but it does not appear they will do anything. 

I feel that this was a predatory lending situation where I was deceived through unfair and deceptive practice at the BoA branch.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. Regrettably, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation, the issue remains unresolved, causing significant distress and concern on my part. 

I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. I trust that you would help me take the necessary steps to rectify this situation and prevent similar occurrences in the future. Please help me remove these items XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to follow up my previous dispute about inaccurate late payments appearing on my credit report associated with my auto loan account. According to my records, there are late payment remarks. However, these late payments are XXXX and do not reflect the accurate payment history of my account.
Product: Checking or savings account

I received an email from Chime Financial Inc. welcoming me to community and letting me know I could fund my account on XX/XX/2024 at XXXX PST. I have never dealt with Chime, contacted them, nor tried to open an account with them. 

After several other generic emails about credit building and logging in, I was then emailed a direct deposit enrollment form, complete with an account number and routing number. This was at XXXX on XX/XX/2024. As soon as I saw the email I called Chime at XXXX PST on XX/XX/2024. They wanted to verify my account with my social security number, but I wouldn't give it to them. They said my birth date was enough to verify. Then without any other questions or verification, they said they would close the account and send a confirmation email. 

I have not yet had any money taken out of any of my other bank accounts. I was not notified by Chime that I had a balance, so I hope that the fraudulent account doesn't cost me money. But how on earth is someone opening checking accounts in my name with all 3 credit bureaus frozen?? This should be illegal.
Product: Credit reporting or other personal consumer reports

FCRA XXXX mandates the elimination of erroneous accounts from my credit report. Could you verify the paperwork? A few of the mentioned accounts are flawed in terms of reporting accuracy.
Product: Vehicle loan or lease

XX/XX/XXXX I traded in the XXXX XXXX rdx and took possession of the a XXXX XXXX XXXX. XX/XX/XXXX I notice a payment of {$630.00} was deducted out my checking account. Im thinking after the trade in the easy pay option would end. I went to dealership XXXX XXXX to question them about their promise to pay off trade in. XXXX finance person XXXX said itll be taken care and they would refund my payment. I had bank to reverse the payment and they sent a paid in full notice. Now Acura financial is calling me every other day saying I have an open account and its {$640.00} to finish paying off the car Ive traded off. I have contacted the dealership again about this matter and they have promised to call and sort it out but I havent heard from them yet. XXXX XXXX did us the same way on a trade in leaving almost XXXX payments unpaid on the pay off amount. We paid one payment to XXXX XXXX XXXX where XXXX was financed and the only reason they paid off the lesser amount is because they sold the car and wanted the titles. It is safe to say this is their practice and Im not the only one they are doing this way since it was done to me twice in less than 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry to my consumer report from XX/XX/2019.
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. 

Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPT OF ED / XXXX # XXXX, Account Name : US DEPT OF EDUCATION/XXXX  # XXXX, Account Name : 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 an 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