23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Well I've been trying to improve my credit which has been going well until I paid for XXXX account and I notice on my XXXX XXXX Equifax credit report, on inquiries I have a total of 4 inquiries that are not me, was not me, not authorized by me & I didn't apply for anything nor have I ever visited them locations in the United Statee of America where these businesses are located. I believe i am a victim of some form of fraud. It may not be full fraud but I believe a piece of my information is being leaked and used. 


The companies who allowed someone to use my private information are as follow : XXXX Inquiry date XX/XX/year> Ran two inquires on my Equifax report XXXX 
Method : I tried contact the business but couldn't find contact information. ( Mail only ). 

-- - XXXX XXXX XXXX date XX/XX/year> Ran a Inquiry on my XXXX credit file. 
Method : I called the company to investigate but couldn't get through when I dialed the number. 

-- - XXXX Inquiry date XX/XX/year> Ran Inquiry on my XXXX credit file. 
Method : I attempted to call the company to investigate but couldn't get through when I dialed the number. 

> It's been two week since I've been trying to clear this matter up so that I could move forward with life. Any assistance is appreciated. Thank you so much.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.XXXX  is legally required to complete this action within four business days of receiving this complaint XXXX XXXX Date of inquiry : XX/XX/2024 XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 XXXX. XXXX  XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX
Product: Student loan

I have had a loan with a principal balance of {$64000.00} since 2013. It is now over {$70000.00} due to accrued interest. Interest has been a nightmare for me and I am sure plenty of other students. I was tipped early on to pay attention to interest and pay it down while in school, and I did so. I even paid some of the smaller school loans off in full before my loan went into effect in 2013. From the get-go, I have always been on an income based plan. At that time, there was no way I could afford rent, utilities, daycare, etc. along with a $ 700+ school loan payment each month. When I was first applying for the income based plan, I spoke to a representative about it in general. He explained to me that the payments are lowered but only low enough to cover interest. As such, I was always under the impression that the payments were only as low as the interest that accrues each month. Otherwise, what's the point? I do not like to let interest accrue. I do not want to risk having any accrued interest capitalized. I would not have agreed to this if I knew better. I feel I was misguided. Anyway, I started the plan. I set myself up for automatic payments. I went on with life until I felt I could start paying down my loan. After some time, I noticed the balance on my loan jumped from XXXX to over 70k. How did my balance increase after I have been making payments on it regularly? I called to question it and learned that it is due to {$6000.00} of accrued interest! My payments are less than the amount of interest accrued each month, so it has been racking up without my knowing. Who knows if it has even been capitalized. I keep trying to find documentation to figure out so, but I can't find anything to help me much. The rep says it isn't capitalized. So here I am ... ready to try to tackle some of my principal, and I can't, because I have a ton of accrued interest to work on before I can even touch principal. I feel helpless. What's the point of having an income based or other plan when you are struggling financially? All you are doing is paying and/or accruing interest ... never touching your principal. I thought the income based plan lowered payments yet still applied to a portion of principal and interest in a pro-rated fashion to what the regular payment amount would be. This is not helping us!
Product: Vehicle loan or lease

Tesla recently announced a reduction in lease pricing to attract people to buy new cyber trucks. The terms given imply a money factor that is equivalent to about 3.5 % for well qualified customers which generally is for people with credit scores above XXXX. I have a credit score of XXXX and applied for a lease and they gave a rate of 8.45 % far in excess of the advertised rate. When asked for rationale, they gave a generic answer of it depends on credit history and credit of applicant. my credit history is long and my credit score is great, and my rate is still almost triple the advertised rate which does not make sense. It is a total scam in marketing and advertising.
Product: Debt collection

American Credit Acceptance and I went into a contracted agreement for 72 months of an auto loan, They now say I still owe over {$9000.00}. I am not owing and they are still not applying monthly payments when they know I have paid them. Agents were instructed to note and apply payments to future monthly payments when I made double payments in the same months. For example, I paid XXXX XX/XX/XXXX, loan payments. One on XX/XX/XXXX for the month of XXXX and the XX/XX/XXXX, payment was paid on XX/XX/XXXX. I just called them yesterday because I saw on the history papers they did not apply that payments and many others. I want the principal applied to payments I paid double mouths to. What they sent about a repossession is not the payment I am mentioning. American Credit Acceptance I have been with 6 years now, have paid over {$33000.00} on a used {$18000.00} vehicle. They still are leaving payments off and not applying those payments. Again, below are some documents of what they are still doing and email I have sent. American Credit Acceptance have not given me any of these deferment or repossession documents before sending them out over to you all today. I am very disappointed and really wished in a million years I never dealt with this creditor. I have other lines of credit and not one of them has ever not applied my payments just to get more money from interest and principles. I have sent then bank statements here they are again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. Please take a look at the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history.
Product: Money transfer, virtual currency, or money service

I tried 6 times to send {$1000.00} international transfer from my checking account in New York to the bank account of my wife located in XXXX XXXX, XXXX. 
All the the time Chase Bank declined, even when I have sufficient funds, immediately blocking also my online access to my account. 
The bank say there was " suspicious activity '', even when I called Customer Service 10 times, spending around 400 minutes on the phone, giving them additional security information about myself, still no avail.
Product: Student loan

I scheduled a payment on XX/XX/2021 on the AES Online Portal. It is now XX/XX/2021 and it still is displayed in the account as not in process. I called AES a few times during the day on XX/XX/2021 and each employee provided reasoning that it could take up to 2 business days to process the payment. This is concerning because they are intentionally prolonging the processing in order to report my delinquency to the Credit Bureaus, with which I have a problem. I'm sending this entire report to XXXX and XXXX as well so AES can be investigated by them. 

This company is the worst company anyone on the face of the Earth has to deal with, even ex-employees have reached out and said the company is XXXX up. I think there should be an appointed Investigator to impose fines against the company for mishandling accounts, which the company has been sued for multiple times. 
I read those employee reviews and laugh. It's amazing how the company is still around. I also think the company should XXXX every employee 's XXXX by 15 % just to shed the morale in keeping Customer Service a priority. These people who answer the phones are unskilled, un-knowledgeable, uncaring, and show up to get paid and that's it. They fail to exhibit any people skills of any kind when customers voice their frustrations. AES has been caught red handed multiple times doing this with scheduled payments.
Product: Debt collection

The collection agency levied my bank account without any indication of a debt that was owed. I tried to contact them to get information and they indicated this was for a account from 2004 in which they confirmed that the address on file was not my address and that by any means tried to get a hold of me by searching my correct address or phone number. I was not aware of this debt, in addition there was no reflection of this debt showing on my credit report. This company didnt provide me with information to rectify the situation or to try and resolve this debt. Had I know of it I would have made ways for arrangement. For the past 15 years this company has not sent me any notice of debt or reported it to the credit bureau.
Product: Checking or savings account

On Tuesday XX/XX/XXXX, I sent money to an account whom I thought was the owner of a beach house in XXXX totaling {$900.00}. Originally, I had been in contact with someone claiming to be the owner regarding renting the house for the month of XX/XX/XXXX. I sent the money via the XXXX feature through PNC. After sending the money, and receiving some questionable texts from the owner, I decided to look into it further and call the listing agent on the house to confirm the owner of the house. The listing agent confirmed with me that they were not the owners, and this scam had previously taken place last year. I contacted PNC on XX/XX/XXXX, the day I found out this was a scam to file the claim. Today, I found out PNC rejected the claim because the transaction had gone through and I was told from XXXX at PNC that I would need to follow-up with XXXX XXXX ( false owner of house ) to be reimbursed. I explained this can't be done because XXXX XXXX is not a real person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX and XXXX did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.

information furnished is inaccurate. tried to resolve many times before. NEED DELETED for INACCURACIES!
Product: Debt collection

I want this debt removed from all consumer reports. Credit acceptance. Has lied about how much the debt is and who it belongs to
Product: Checking or savings account

I made a mobile deposit on XX/XX/2021 for {$620.00} and was able to see on XX/XX/2021 that it had been credited. But over the weekend when I tried to access my account online, found out that it had been locked and could not be reset. I have been trying to reach the customer service at XXXX and have spent hours. On XX/XX/2021, I received a letter saying my funds are on hold till XX/XX/2021 from the bank. The reason given was that " We have confidential information that indicates that the check may not be paid ''. This a real check issued by XXXX XXXX XXXX after closing the account there, and don't see any reason why it had to be held for this long. 

I had also contacted the bank about the change in banking hours, and also why the drive thru ATM was moved inside the building. I believe someone at the bank is not happy that I raised these questions and everything that happened in the last few days is some form of retribution.
Product: Mortgage

My mortgage does not show on my credit report and they are not reporting my payment history. Have perfect payment history for 17 years. Ditech has my mortgage loan.
Product: Credit reporting or other personal consumer reports

I have read the terms and conditions of all of my credit accounts and have learned they will not share my non-public personal information ( per 17 CFR 248.3 the definition of non-public personal information includes personally identifiable financial information, which is account balances or transactions ). I have contacted the companies in which I have accounts with and have asked to opt out of any disclosures of my non public personal information to non-affiliated third parties. The protections of 17 CFR 248 require a clear and conspicuous opt out opportunity for the disclosure of Non public personal information, which I did not receive. Of course, where these laws overlap, the Fair Credit Reporting Act supersedes these laws. The definition of a Consumer Report per the Fair Credit Reporting Act is : any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living and specifically does NOT include transactions and/or balances. XXXX obtained this information in a non compliant disclosure of my information and I requested they remove this specific information from their systems and my consumer report and they did not comply.
Product: Credit card

I had XXXX fraud back-to-back online cash advances done on my credit card w/ NFCU. I have been receiving notifications my info was listed on the XXXX market web via XXXX. On XX/XX/XXXX a person by the name of XXXX XXXX was fraudulently added to my credit card account as an authorized user. They committed XXXX fraud online cash advances. I have NEVER done a cash advance & these types of transactions are out of my character. In my 5 year history w/ NFCU, I have never done a cash advance, so this should have prompted security verification of this fraud. Even with this being out of character for me, the bank never sent me any sort of notification/text to attempt to verify these transactions were authorized by me so I could attempt to stop the fraud. There are XXXX separate transactions done back to back, XXXX FRAUD Transactions : Transaction # XXXX, online cash advance, was for {$2500.00}, Transaction # XXXX online cash advance was for {$4900.00} and XXXX XXXX online cash advance was for {$4000.00}. 
TOTALING {$11000.00} in fraud online cash advances done after hours with NO verification! 

I never received any notification from the bank regarding what was happening to my account. I keep the balance at {$0.00} and keep my credit card account locked. I believe someone at Navy Federal Credit Union leaked my information to someone who added XXXX XXXX ( a person is unknown to me, I do not know this person ). Once this person was added to my credit card account they committed XXXX fraudulent, unauthorized online cash advances. The only reason I know the name of XXXX XXXX is from my banking statement. The bank would not give me any further information so I am hoping the police can help bring justice. I did not authorize, approve, benefit, or have knowledge of this fraud. It was not until I logged into my bank on XX/XX/XXXX that I saw the balance on my credit card and instantly became sick and panicked and called the bank to report that I had been a victim of ID theft and there was fraud on my account.
Product: Mortgage

My Name is XXXX XXXX XXXX XXXX XXXX XXXX RI I am a retired XXXX and the co-applicant my wife XXXX is a XXXX XXXX XXXX XXXX XXXX  XXXX. 

We were rate searching to refi our mortgage due to rates falling and we were contacted by rocket mortgage, a division of quicken loans. We were assigned a specialist, Mr XXXX XXXX whom called me 2-3 times a day until we struck a deal and I authorized a charge to my charge card. He said that we would close in 30 days which seemed fine but not critical. I waited more then that time and became curious so i tried to call XXXX back only to get voice mail over 10 times with no call backs, of course. I tried to follow their requests on line and could not. So I tried calling XXXX again and this time he had a message that if u were in process to call processing which I did. After 2 hours I got connected and they said the mortgage co could not verify XXXX 's employment, ( she has been there 37 yrs ) so I out XXXX on the phone and she explained the Bank uses my work as verifications and informed them how to get it. A week later I get another request on line for the same info and more so I contact processing, wait on line over an hour then use the request for a cal l back. After no call for 3 hours I called client services again was place on hold and waited 90 minutes only to get dis-connected. 7 hours later I received a call back from Ms XXXX XXXX, whom was very nice. She told me the company was overwhelmed and that no-one had touched my file for weeks. She did send me a form to fax back which I did at once. XXXX agreed that the company should not still be marketing new customers and making promises that they know they cant keep. XXXX nicely gave me XXXX 's Directors phone number whom I called to explain the terrible service. His name is XXXX XXXX, phone # XXXX Being in the XXXX  I know call backs and communications are critical to business. Rocket markets itself through XXXX XXXX  as number one in  processing and service. I find all of this unacceptable and absurd.
Product: Mortgage

I WAS SEARCHING INTERNET FOR A 2ND MTG, SECURED BY A RENTAL PROPERTY. MULTIPLE CONTACTS RESPONDED AND AFTER EXPLAINING WHAT TERMS I WANTED - MOST LENDERS SAID THEY WANTED A FIRST POSITION - I UNDERSTOOD - XXXX XXXX ( NMLS XXXX ) WITH CARDINAL FINANCIAL COMPANY SAID HE WOULD REVIEW THEIR COMPANY POLICY AND GET BACK TO ME - HE DID NOT CONTACT ME AGAIN - BUT INSTEAD PREPARED A LOAN PACKAGE ( LOAN # XXXX ) AFTER HAVING XXXX XXXX PULL A HARD CREDIT - THIS LOAN PACKAGE DOES NOT REPRESENT ANY OF THE ITEMS THAT I WAS WANTING IN A LOAN - RATHER THEN USING MY RENTAL PROPERTY AS COLLATERAL - THE LOAN IS UTILIZING MY PRIMARY RESIDENCE - THERE IS NOTHING IN THIS LOAN REQUEST THAT I REQUESTED OR WAS PREPARED TO CONSIDER.
Product: Debt collection

I paid 30 % and settled with an attorney XXXX XXXX
Product: Debt collection

I didn't apply for a loan with Rise Credit nor spent any of their money. I have reported to them that this a fraudulent account and isn't mines! 

I phoned XXXX Credit Reporting Agents starting XX/XX/XXXX when I received an alert from XXXX that someone applied for an credit card in my name on the above date and letting them know it wasn't me. I was talked to very rude and nasty and was told that anyone has the right to pull my credit report if they pleased to offer me credit. I then stated to the reps that I spoke to after calling 30 yes thirty different times back to back which I called from my cell phone which I can prove with the phone recorders. I told them I am a victim of fraud and they have the police report case # XXXX dated XX/XX/XXXX with the XXXX Police Department and my information was exposed with XXXX  Credit Union and my email address is on Dark Web. I did not apply for an account and who ever has, it fraud and I told them I filed a complaint with the Federal Trade Commission Identity Theft. I was then told by XXXX supervisor 's and reps there was nothing I could do but wait for two years for it to be removed. I replied It wasn't I who tried to get credit and it drop my credit score and that's not fair to me and it was fraud. I continue calling back trying to get help and wasn't able to. All I've received from XXXX was rudeness talk to nasty with no concern nor caring!