23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2021 I paid this loan off from selling it. The purchaser paid me in cash, and when I spoke to Ally originally they said I have the title in 4 days. So I get looking on the website after logging into our account and see that that was true if paid by cashiers check or certified funds. Otherwise it would be up to 10 days. Well this day 14, the lien still hasnt been released.

I called yesterday and I basically got the runaround from someone saying well yes the release can take up to 10 days to process and itll take another 7 to 10 days to get the letter of release. Thats not what I was told originally and it SAYS right on the website ( see attached picture ) that it takes TEN days, not 14, not 10 plus another 7 to 10. 

All titles here now are electronic when it comes to liens, All I need is the stupid letter to release the lien, clearly after 14 days the funds have more than cleared the bank. I have the buyer breathing down my neck about this as well. This is ludicrous.
Product: Debt collection

I pulled my credit report and noticed this collection. When I attempted to contact the creditor and collection agency I was told this debt was for my daughter and they attempted to contact me via phone 7 years ago.
Product: Credit card

I learned a lien was filed against my home on XX/XX/XXXX from Discover Financial claiming I owe them {$3700.00}. I reached out to customer service on XX/XX/XXXX to advise I have no such accounts with Discover Financial and requested the immediate removal of the lien in question. I also sent a letter to that effect, but got no reply.
Product: Debt collection

I do not have a written contract with this company where they say how old is alleged that I asked them to produce debt validation statements are not acceptable I also request a forward flow agreement and or purchase agreement that lets me know I owe this alleged that if this can not be produced this shall be deleted from our credit report immediately see attachments below.
Product: Student loan

I was contatcted by a company called Guidance Alum. They were calling me up to 3 times per day, even after I asked to be removed from their list, and I am on the national do not call list. I finally gave in and listened to what they had to say. They informed me that I qualified for student loan forgiveness through the CARES Act. I work at the post office so I knew I qualified for PSLF, which made everything sound legitimate. They took {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$49.00} on XX/XX/XXXX, {$49.00} on XX/XX/XXXX, and {$49.00} on XX/XX/XXXX. I was told the initial {$200.00} installments were to set up the program and get me enrolled. Then told that the $ XXXX would go to my student loans and be qualifying payments for the student loan forgiveness program, in which they were supposed to enroll me. I found out today, they were taking this money as a " fee '' for their service, and I have never been enrolled in the forgiveness program. None of the money I paid went toward my student loans, and they did agree to refund me the 3 - {$49.00} payments. They did not offer to refund the other {$200.00} payments. They signed me up for this program by providing false information I verified with them 3-5 times during the phone call, and they still insist they were not in the wrong. I contacted my actual student loan servicer and they advised me I had been scammed, and the services they claimed to provide were never put into action with my servicer, other than consolidating my student loans. I'm out this money, and if I could fall for this scam, having worked in finance part of my life and being of sound mind, I know others have probably fallen for it as well.
Product: Credit reporting or other personal consumer reports

The company XXXXXXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a 3rd party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and data breach and I need these fraudulent accounts blocked and removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report and noticed that I had inaccurate information on my report which includes balance, last activity date, verification dates, and payment history. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information correctly to the best of there ability with maximum accuracy. Please investigate and provide accurate information/status of my account. If proof can't be provided. I demand that this account ( XXXX XXXX XXXXXXXX ) be deleted due to inaccurate information on activities, balance, and payment status across all three bureaus. Thank you
Product: Checking or savings account

fraudulent check under our my name deposited @ XXXX bank and fund was drawn from my suntrust account. 
checks XXXX for XXXX blank check XXXX for XXXX XXXX for XXXX XXXX for XXXX These transaction hit my account on XX/XX/2019. aware of it on XX/XX/2019 and file a complain with Suntrust bank. case # XXXX was told by fraudulent dep. that will take 15 days to investigate.now passed that we tried many times to get response but calls goes to their support center in XXXX hard time understanding.
Product: Student loan

I can't afford the remaining balance of this XXXX. I was forced to go bankrupt because my income was about to become garnished. I'm not the sole owner of this loan. It's my brother who is deceased. So can you stop trying to enforce payments because of my brother 's XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year> and XXXX since then the account has repeatedly been updated as charged off every month this is an update in the payment history a charge off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitation you failed to investigate this account properly after I asked you to do it twice in your Neglect has violated my rights I am demanding a deletion of the following accounts : 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

A couple months ago someone found my information and tried opening MULTIPLE CREDIT CARD ACCOUNTS. I had followed up with each XXXXne of the companies ( listed below ) and called them to report as fraud and each company said they would report it to the credit bureau and get it OFF my credit report, each company also said it was marked as fraud and had been closed. It has been more than 30 days and they are all still showing up. I have since then put a freeze on each one of the credit bureaus- but I want these off of my credit report so it stops affecting my credit score. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days ( as of now it isn't quite 30 days ) XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report and I have not received a letter stating anything. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX  checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , SD XXXX Phone : ( XXXX ) XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX XXXX XXXX, ACCOUNT NO . XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as XXXX XXXX XXXX . 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXX XXXX  has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted numerous complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this XXXX credit card. My company is a non profit and My business office closed due to the pandemic! So I never saw any mail regarding this card. I take pride in my credit and have NEVER paid any account late. This particular card was not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I later received notification from XXXX by email to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a XXXX regarding the XXXX XXXX  late payment. The account closure email is what alerted me. XXXX never emailed regarding late or missed payments.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, {$810.00}, I checked my credit report and noticed a collection that was reported XX/XX/XXXX. I never received a letter or phone call from this company notifying me of a collection from almost XXXX years ago. I contacted the company and asked why I was not aware of the collection, they gave me a collection department phone number instead.
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. 

XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602a States I have a right to privacy 15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish an account without my written consent 15 USC 1681 c sections a 5 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 USC 1681 s-2 sections A1 A person shall not furnish any information related 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 or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove the accounts from my report, they are hurting my ability to obtain credit.All this accounts was already disputed and updated in XXXX but still are in XXXX and Equifax.
Product: Debt collection

I found out someone committed fraud in my name under the cable company comcast. i asked both comcast and bill collectors to send me the bill with the address used for comcast stating that actual address so that i may file a police report. first they said they could not provide me that information until i mail them proof of address. one week later they sent the bill to my current address that of course i 've been living for over 10 years with my current address on it, but not the fraudulent address they were accusing me of having the unpaid debt. The debt collectors told me that i have show proof of address for those remaining years which were back in XXXX and XXXX! i have no bills what so ever from those many years ago. this just is n't right at all! now they refuse to help me. so i 'm stuck with debt that i never knew of or never received any mailing within those years to my name and ruining my credit history
Product: Payday loan, title loan, or personal loan

UPSTART please remove the application and supporting documents from your system as I decided I do not want to get a loan. I ask that the company Upstart to stop using my tax return information to solicit my children, my husband, and my family to apply for loans with UPSTART as we are not interested. 
The company UPSTART did not resolve the issue because they did not answer the issue. This company disregarded a request to cancel my loan application. This company has used personal information from my application supporting documents and issues a loan request to my children who are listed on the application. I do not want a loan with UPSTART I am requesting that they remove my information from their system because of their unsafe handling of individual personal information as they were in a lawsuit for this problem. I want them to stop contacting my children for loans and stop using my canceled application to allow others to solicit me for loans.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX XXXX XXXX on XX/XX/year>, under the account number XXXX. This account have resulted in several fraudulent Late payment appearing on my consumer FICO credit report. I do not recognize the aforementioned account, late payment as reported. The aforementioned account, Late payment appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, Late payment are the result of identity theft and fraud. I have a ached a copy of FTC Iden ty The Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the late payment is the result of identity theft and fraud.
Product: Debt collection

Continuous calls beginning in XXXX thru the present day. There are several every day and at various times of each day. The only information provided is United Collection Bureau and phone number XXXX No information is given re what the debt is. To our knowledge we have no outstanding debts. We have contacted the XXXX XXXX XXXX of XXXX OH and were contacted by XXXX XXXX, Accredited Business Operations Facilitator at XXXX XXXX. She stated in an email to contact you. We have our phone on the do not call registry since XX/XX/2003 but it is not working. Can you help resolve this?
Product: Debt collection

I have been receiving collection calls from Ally Financial after I explained to them I am not the party they are seeking please remove my number and do not call my cell. I have received XXXX more calls this week from XXXX harassing me, these calls were made on XXXX and XXXX to my cellXXXX. I understand they are currently in violation of the FDCPA prohibiting calls to my cell after I have told them numerous times not to contact me I am not the correct party. I will also send this complaint to the CEO of the company
Product: Credit card

Earlier this year, I signed up for the XXXX XXXX credit card through Comenity Bank as I was going to be having some repairs done. The guy at the shop explained that I would have 12 months, no interest, for my purchase as it was over the {$750.00} threshold that was required. So I signed up for the card, as this would let me spread out the payments a bit. I got the card, which included documentation of the {$750.00} threshold. When I made the purchase, the guy at the shop said he was only able to select 6 months no interest, and that I simply needed to call the Card customer service and have them update to the 12 months. Sounded easy enough. But when I called, I got all kinds of run-around. They tried to blame it on the shop, when it wasnt the shops problem. Then they said they would look into it. I subsequently sent them a picture of the documentation that I received WITH THE CARD that showed the 12-month 0 % at the {$750.00} threshold. They chose to ignore that information, and took every bit of 3 months to close the case without addressing the problem. So I called them back. The lady said she didnt know why it had been closed without it being corrected, but that I should send a secure message to have them re-open it, and re-send the previous documentation. So I did that. I received a letter shortly after that saying that they werent going to honor the 12 month promo that they advertised and sent me documentation of ( which seems fraudulent at best ). They did not give a valid reason for not honoring their agreement. Subsequently, I submitted a complaint through the XXXX  and the company told them that they would contact me directly for further steps ; that was over a month ago, and they have not. The 6-month promo that they did give me is about to expire, so I need this resolved expeditiously.
Product: Debt collection

I 'm being sued by a predatory debt collector .they claim to have purchased a debt that they say is mine. They claimed to have purchased debt in XX/XX/2016 and are suing me as of XX/XX/<YYYY> XXXX. I never had this debt, it has never appeared on my credit report before.the dates they give place me living with my parents at the time and I did n't have a utility bill in my name while living with them
Product: Mortgage

See attached letter, e-mails and documents None of the mortgage options as to where in the process is my issue, suits my situation. Had to select one to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling these unverified and inaccurate accounts for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that this account has different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation for not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax reports incorrectly that this account was late XXXX times at 30 days. Equifax fails to report accurate positive payment history but rather NR. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am seeking guidance and support regarding the removal of fraudulent items from my credit report. I have recently discovered several accounts that were opened fraudulently in my name, and despite my best efforts, I have been unable to get them removed, and I don't receive any replies or feedback regarding these issues. XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX XXXX2023