23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am a victim of identity theft and someone opened up XXXX accounts in my name with U.S. Bank using my personal information. I have never opened or had an account with U.S. Bank.
Product: Credit reporting

Contacted Equifax, XXXX & XXXX regarding unauthorized inquires on my credit report from XXXX. Transunion removed immediately. XXXX removed XXXX. Equifax stated I have to contact XXXX directly for removal if I consider inquiries fraudulent. Sent letter to XXXX as directed. XXXX responded stating I have extended alert on my credit file but no response regarding removal. Sent letter response to Equifax and Experian and still refuse to remove. Sent additional letter to XXXX. No Response to date.
Product: Debt collection

My father passed away and they sending me XXXX  letter stating to mad estate he has no estate and Im not his estate holder because my dad had nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid mortgage loan # XXXX in full on XX/XX/18 to Wells Fargo ... they have relayed the correct status to XXXX  and XXXX, but they have continued reporting delinquent on my XXXX  credit report, precluding my ankle to procure a loan for another property I want to buy ... .their errant and illegal reporting is penalizing me, by my losing a total of 2 properties now, as my lenders wont issue me a loan with this incorrect data being reported EACH MONTH..
Product: Student loan

This matter is about a Private student loan ( I am the co-signer for my son, who defaulted on it, so I have been making payments via automated payment through XXXX XXXX for several years now ). 
The loan provider is : American Education Services ( AES ) Current Situation : XXXX XXXX proof of payment copy shows payment sent on XX/XX/2016 ( delivery : XX/XX/2016 ). On XX/XX/2016 I received notice of delinquency on account. I called AES and spoke with operator. They confirmed that payment was received, however it was in " suspended '' status, but they had no knowledge of why it was in this status. They promised to process it. On XX/XX/2016 I checked status to find it still delinquent. I spoke to another operator ( # XXXX ) who re-confirmed the same thing from XX/XX/XXXX. They also promised to process it for payment. On XX/XX/2016 I received e-mail from XXXX XXXX advising that my XX/XX/XXXX payment had been returned. I again called AES and spoke to another operator ( # XXXX ), who also re-confirmed the previous XXXX, but also stated that they did not return the check to XXXX XXXX and still had it. They also promised to process it for immediate payment. I recorded that call and that operator advised that it was an error on AES and that the account was not delinquent ( even though it shows as such and I would continue to receive notices of delinquency ). On XX/XX/2016 XXXX XXXX re-deposited the XX/XX/XXXX payment back into my account. On XX/XX/XXXX, I received another e-mail from AES on account delinquency threatening me with negative credit reporting. I now have proof of payment from XXXX XXXX of my scheduled XX/XX/XXXX payment ( issued on XX/XX/XXXX and delivery on XX/XX/XXXX ). 

I believe that AES is a corrupt organization that uses threatening & devious ( possibly illegal ) tactics to deceive account holders into making additional payments ( by putting payment into " suspended '' status and requesting additional payments, checking account numbers, credit card payment, etc. then releasing the suspended payment ). Their " operators '' have little or no knowledge or authority ( obviously, based on my recent experience ) to solve problems. 

I need urgent help getting the mess created by AES cleaned up as I ca n't seem to find anyone capable or responsible to do so.
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 confidentially under 15 USC1681. 

Account name : XXXX, Acct. # XXXX, Account name : XXXX XXXX XXXX XXXX acct. # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A Section 2 States I have the right to privacy.

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 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 or other personal consumer reports

I am writing to formally dispute the furnishing of my credit report by XXXX, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I assert that you have violated my rights under the FCRA by REMOVING a Collection that's shouldn't have been reporting Under 15 U.S.C. 1681b, credit reporting agencies are prohibited from providing consumer reports unless there is a permissible purpose as outlined in the statute. Additionally, failure to ensure the accuracy and integrity of furnished data violates 15 U.S.C. 1681e ( b ). These violations have caused me distress and inconvenience, as well as potential harm to my creditworthiness.
Product: Credit card or prepaid card

I had an amazon card for several years now through synchrony bank. I have never missed a payment in the years I have had it. However there was an error on the XXXX bank end that caused my payments to my card to be returned. With no warning Synchrony closed my card. This cut my home and business off, it is the only card I have for online shopping. I called several times, hung up on, transferred, hung up again, on hold. Over and over. They continued to try to talk me into applying for a new card. I'm trying to buy a car for the family and I can not have my credit effected, specially by something that isn't my fault. I was told that if i provided proof that my bank was responsible that they would reopen my card in 30 days. I provided bank statments showing the errors and that XXXX returned the over draft fees. syncrony investigated to make sure my amazon card balance was correct, I didn't ask for that, I wanted my card reopened. They continued to ignore me and only focused on my balance. It has been several months and I keep getting the same generic messages saying why my card is closed but they will not help me reopen it. I find this whole process to be abusive and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

They tricked me in to sign up for membership with a fee. They make it very difficult get the free report.
Product: Debt collection

I recently applied for credit and saw a collection from Consolidated Recovery Group, and since I never heard of them before I wrote them a dispute letter. I had to find their address on my XXXX report. ( see attached ) I wrote them a dispute letter to ask them for validation of the debt and to beg them to stop calling me. The letter was returned as the address was inaccurate. How can this be? Aren't they supposed to report 100 % factual information to the credit bureaus? If they can't even provide an address for this, how can they possibly report interest and penalties accurately on my credit report? Everything is wrong here. they have violated the FCRA, by not allowing me to dispute the debt or request validation. they have violated the FDCPA by not reporting correct information to XXXX. Please help me.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a washer and dryer from Lowes.com. The items were delivered to my home shortly afterorder number XXXX. I contacted Lowes about returning both the washer and dryer since both of the things were too small. After speaking with someone over the phone that advise me that I would not get a refund on the items until they were in the store. I was told once the things were in the store someone will contact me in regards to a refund. After the things were returned for approximately three days no one contacted me. Therefore I went to the store to get a refund. Upon waiting at the stores for over 5-6 hours and coming back and forth to the store the manager told me that they had issued a refund in the form of a gift card. I am not sure why I was not called, instead, they took it among themselves to just issue a gift card. I am only 5 minutes away from the store. I could have come and got the gift card. I requested the manager to print out the refund information for my record. However, she could not be I was able to take a picture with my phone. The refund was issued on XX/XX/XXXX for {$1000.00}, return XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX. However, I noticed the gift card was in my ex-spouse 's name. I immediately told them that it was not supposed to be in his name. Before I place the order on XX/XX/XXXX I made changes and verified that his name was not on the order. While I was in the store and was telling the manager that his name was not associated with the order, someone was making changes to my account. I had several notifications where they were trying to fix their mistakes. My invoice has my name on it. I was later advised to contact customer support. I contacted customer support and the first time I called they said there was nothing they could do. Then I called and requested to speak with a supervisor and they advise me to do a lost and stolen report on the gift card and that I will be receiving a gift card replacement within 30 days. However, after the 30-day wait, I was told I had to file a police report. This is only one issue. The manager at the local XXXX, WA Lowes is ridiculous and very unprofessional. She was telling me things just to get me out of the store. I didn't get her name but she is the only female manager. 

I have another issue as well. I did a claim on my washer and they only paid me for what they felt it was worth today. I paid {$790.00} a piece for my washer and dryer. I did a warranty claim and got only {$620.00}. I also received a {$790.00} payment on the dryer for not working as well. I don't understand how the company can not so call to find an invoice. So how was a paid the {$790.00} for the dryer?? I sent in a receipt. Of course, the receipt is faded. We found the invoice number because the dryer and washer were delivered to my address.
Product: Debt collection

on XX/XX/year> I went to check my credit report, and it showed that I had a credit score that dropped. When I went to check it out, I realized that I had a new report on it of {$1000.00} for snapshot. Now, I never owned a vehicle in my name or had insurance that I was primarily the owner of anything not even a co-signer. Snapshot is to lower your insurance. I called the company to see as to why I would be having a debt of such. Before I can say anything knew my name ( first and last ) my social and the month and year I was born but wanted me to verify the day. I never heard of a company doing such a thing. Once I gave my information, he insisted it was for a medical bill. When I explained it was listed as an auto insurance, he had nothing to say. I told him wouldn't that be fraud, and he wanted to just collect the payment. I didn't feel comfortable paying something that was false on my credit report just to obtain money. I completely want this disputed. I never received a phone call or a letter through via mail or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by in the State of GA on or about, XXXX, and resold on or about XXXX. Under the laws of the State of GA UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates.. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities, or continued reporting of this invalid claim on my credit reports, will be considered a violation of the FDCPA and FCRA.
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 privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 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 then 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, credit repair services, or other personal consumer reports

The Credit Bureaus known as XXXX, XXXX, and Experian are still reporting old inquiries from more than 2 years ago. these inquiries are hindering me from get approved for a new line of credit. I demand these inquiries need to be deleted immediately. 

Furthermore XXXX, XXXX, and Experian are reporting addresses that I never resided at. The addresses " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' nee

ds t o be removed from my credit report immediately. 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You have violated 15 USC 1881 ( 4 ) for that reason your inaccurate reporting hurt my ability to obtain new credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX the information provided in calculation using XXXX XXXX software is incorrect. The customer 's first name bracket is [ XXXX XXXX ] and the last name bracket is [ XXXX ]. The customer possesses a full charged green battery full name issued by department of state, and the calculated score displayed is from a error XXXX XXXX account name without a name bracket or state that was partially charged by customer from XXXX to XXXX. 
Customer is an XXXX civillian to result in human error by state clear star staff and the customer 's name bracket is provided to supply a correction to credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax on Several occasions concerning the XXXX account and the XXXX Mortgage account. Both accounts was deleted from my credit file and then recently reentered on my credit file with no warning or letter stating that it would be or why. The accounts has not been on there for a year and now they mysteriously reappear. I have send documents to Equifax regarding these accounts.
Product: Vehicle loan or lease

I purchased XXXX XXXX XXXX with {$2000.00} down payment and financing for {$7000.00} from American Credit Acceptance. Due to financial difficulty I could n't keep up the payments. I decided to Voluntary Surrender the car on XXXX XXXX, 2017.
American Credit Acceptance sold the car at Auction for {$2.00} leaving a deficit of {$5000.00} still owed on car. American Credit Acceptance sold the XXXX XXXX XXXX for {$5000.00} under the Fair Market Value of the car. Also American Credit Acceptance did a Charge off for the car so they can Deduct the total cost of {$7000.00} for the car. American Credit Acceptance did n't try to recoup the Fair Market Value of the car.
Therefore I want an investigation into Fraudulent Conduct by this company to try to make Double what they were owed on car.
I want Justice in this matter because they are not only During this Injustice to me but Thousands of other Customers they have and they have been getting away with it.
Waiting to hear from you.
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I recently received a copy of my Experian and XXXX credit report, and I noticed some late payments posted on my credit report. 

Department of ED/XXXX- Account XXXX XXXX XXXXXXXX Date of Late Payment XX/XX/2019 Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report? 

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states : ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 . 

Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX Enclosed- copy of ID and bank statement showing proof of address.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against XXXX XXXX  for the unauthorized and fraudulent dissemination of my personal information to third-party debt collectors, XXXX XXXX XXXX XXXX in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692, and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1602.. Without my confirmation or acknowledgment, sensitive personal details were exposed, leading to significant distress and a breach of privacy. 

Violation listed below : Fair Debt Collection Practices Act ( FDCPA ) Violations : Unauthorized Disclosure : XXXX XXXX  disclosed my personal information to third-party debt collectors without my permission. This unauthorized dissemination violates 15 U.S.C. 1692c ( b ), which restricts communication of a consumer 's personal information to third parties without consent. 
False Representation : By sharing my information without authorization, XXXX XXXX misrepresented the legal status of my debts and the nature of their business conduct, violating 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Truth in Lending Act ( TILA ) Violations : Failure to Disclose Terms Accurately : XXXX XXXX  failed to provide clear and accurate disclosures regarding the terms of my credit, violating 15 U.S.C. 1602. This failure to disclose information accurately has significantly impacted my understanding and management of my debt obligations.

Unauthorized Transactions : The dissemination of my personal information to third-party debt collectors constitutes unauthorized transactions and a breach of trust, further violating provisions under TILA that protect consumers from unauthorized use of their credit information. 

The damage to my credit report has caused considerable financial hardship, affecting my cost of living and ability to secure necessary credit. I urge the CFPB to investigate this matter thoroughly and hold XXXX XXXX XXXX XXXX XXXX XXXX  accountable for their actions, ensuring that such breaches of consumer rights and privacy are prevented in the future.
Product: Mortgage

I refinanced my mortgage loan from Freedom Mortgage to XXXX XXXX XXXX on XX/XX/XXXX. Freedom Mortgage automatically deducted another payment in error on XX/XX/XXXX as they were already paid off. I contacted them by phone on XXXX when I say the deduction in my bank account and they said they would put in for a reversal to get the deduction reversed. They never called me to tell me there was any problem. On XX/XX/XXXX I call them again to ask why I didn't have my money refunded yet. They kept me on the phone for a long wait and are going to wait to mail out a check until XX/XX/XXXX. They are not reversing the payment they took in error. The amount they took in error is {$1900.00} on XX/XX/XXXX and by the time they get the check to me so I can deposit it they will have had the cash for at least 3 weeks. That is a very long time to keep money from an individual who has bills to pay and has to live. They have horrible policies and terrible customer service and will not go out of their way to fix a problem they have. Big banks should not be able to do this to individuals who need the money. My mortgage loan number is XXXX. Again I contacted them the same day and they did not attempt to contact me in 2 weeks time.
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC has reported a debt in collections to the credit reporting agencies. The debt is a move-out fee from an apartment I have never lived in- I have never even lived in the state they are alleging. The only they have of mine is my name and address ( which is, again, in an entirely different state from where they allege I lived when I incurred this rental debt ). Despite this they are requiring that I waste hours of my time to file a police report, dig up XXXX XXXX XXXX utility bills, file reports with various governmental agencies, provide signed and notarized copies of fraud reports, and other various forms of identification.