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

I received a preapproval offer for a loan of {$10000.00} for 36 months at an interest rate of 18.99 %. I found this offer appealing as I needed extra cash to get through the holidays and planned to repay it after the new year. 

However, I was shocked to discover that the company funded me for only {$9000.00} instead of the promised {$10000.00}. Upon reviewing the loan paperwork, which I only received after the funds were deposited, I noticed a {$1000.00} loan origination fee that I never agreed to. This fee significantly alters the terms of the loan and increases my interest rate beyond the initially quoted 18.99 %. 

I also attempted to obtain a Truth in Lending statement but received a document that only contained my name and an IP address, without any legitimate signatures or terms. I never signed any documents agreeing to this loan or its terms, and I am concerned that this practice is illegal.
Product: Checking or savings account

account was closed chase is displaying a debit to the account misleading me to believe it was my deposit sequence numbers don't match also there were 2 transactions done they only show me one of them and routing transit number use on # 2 item of item processed on 2017/XXXX is XXXX which if you look on the check it clearly has printed XXXX ( image attached ) also why is there a black line across the back of this returned item ( check ) covering information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please remove/delete this account because this is deleted from other bureaus. 
XXXX XXXX OF XXXX XXXX XXXX : {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft dispute in regards to the information on my credit report. I requested the original application with my wet signature and all other information that proves that I am the owner of these accounts and have not been given any. It has been well over 30 days to validate this debt and I have not been given anything.
Product: Credit card or prepaid card

I applied and was approved for the PenFed Pathfinder Credit Card. The benefit includes a {$100.00} per year credit when using the card for baggage fees or in flight expenses ( food, drinks etc ). 

On XX/XX/XXXX, i used the card for a {$3.00} expense - transaction # XXXX XXXX XXXX XXXX XXXX  XXXX TX On XX/XX/XXXX, i used the card for a {$26.00} expense - transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX On XX/XX/XXXX, I used the card for a {$14.00} transaction # XXXX, {$35.00} transaction # XXXX & {$16.00} transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX The total above comes out to {$94.00}. I was told i would receive the credit as soon as an eligible transaction is made. I have not received ANY of the 5 credits mention above. In fact, I WAS TOLD that i had to pay the {$15.00} minimum payment due on XX/XX/XXXX. I even was charged interest on the balance because the bank DID not credit my account as it should had been. This bank is not issuing credit on-time and taking advantage of customers by leaving the balance and earning interest when the statement closes. I made the {$15.00} dollar payment and was charge {$1.00} in interest on a balance that should had never been there. 

The only credit issued so far was the XXXX XXXX of {$100.00}, and that was credited about 4 days after use.
Product: Student loan

I have tried multiple times in good faith to enter into the loan rehabilitation program with GC Services, who is a debt collection authorized to operate on behalf of the US Department of Education, to get out of default and get my loans into the {$0.00} repayment program with the rest of my federal loans, and I have been completely hamstrung at every turn. I have sent in all the forms as requested, and then got a call a week later stating they did n't have our forms. So I sent in the forms again, and yet again a week later, I get a call stating that they do n't have our forms. So, this time I had the person stay on the phone with me until she clearly saw that she had received all the required forms, and stated as such over the phone. Then, a week later I get another call stating my bank account information had changed and they could n't withdraw the payment which is a lie, because I 've been with the same financial institution since 2010. Then, on a later call, they acknowledge that was probably their error but if we wanted to continue on the plan we would have to start the whole thing again. Now, even after all this I have had my entire federal refund " offset '' due to their incompetence and the program not being finished in time for this years taxes.
Product: Credit card

With my XX/XX/year> statement, I should have received a {$100.00} credit on my statement for satisfactory completing their promotion on gas purchases and XXXX points added to my account. I did not receive the statement credit and only received XXXX points. 

I have contacted Marcus multiple times about the problem and opened multiple complaints with them. Each time I call they act like there is no previous history of this issue being reported or known. Every call they have finally acknowledged this issue but offer no resolution time and almost a year later, this situation remains unresolved.
Product: Vehicle loan or lease

Audi Financial Services is trying to collect property tax, on a non-producing leased motor vehicle, leased by me and my business jointly as reported to the credit bureaus by them. 

Pursuant to XXXX  XXXX XXXX / XXXX XXXX / Part XXXX / XXXX  XXXX / Sub-chapter C / Rule XXXX which refers to XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, I strongly claim the application of the law, after submitting Form XXXX as described on paragraph XXXX ( Lessees Affidavit Motor Vehicle Use other than Production of Income sent to Audi Financial Services on XX/XX/XXXX. 
In Texas where I reside, and where the XXXX XXXX XXXX XXXX XXXX was contracted, Leased vehicles are not subject to property taxes unless they are used primarily to generate income. While Texas starts with the premise that all property is taxable, unless exempt by state or federal law, Texas exempts leased vehicles from property tax, unless they are used primarily to generate income. 
Texas does exempt leased vehicles that are not held for the primary purpose of income production by the lessee. These vehicles include passenger cars or trucks with a shipping weight of not more than XXXX pounds and leased for personal use. Personal use would mean using the vehicle for more than XXXX percent of its use ( based on mileage ) for activities that do not involve the production of income. The exemption applies only to vehicles subject to a lease entered on or after XXXX XXXX, XXXX. 
The law does not specify in any sense the type of lessee, and only mentions non-producing vehicle based on mileage like this this case is clearly qualified having just XXXX miles after more than XXXX years by my wife. 
On XX/XX/XXXX I received a telephone call by one of your customer service representatives days after I communicated the facts to Audi Financial Services, and she exposed a completely erroneous situation, with a lack of foundation and which is a breach to the law by the area handling this Affidavits. The lady on the phone exposed confirmed that the area did not have the Affidavit, since it was lost potentially, by them. She also exposed that in any case this vehicle was not subject to the exemption since the contract executed, by my business and myself was merely intended, as a benefit from the business to an XXXX. 
The later is completely non-sense, since the Texas XXXX XXXX addresses the vehicle and in no way limits a non-producing vehicle to the type of client. Therefore to qualify for the exemption, the XXXX XXXX XXXX could be leased by a business, and assigned for personal use as a benefit, or by an individual and used for personal purpose. 

Audi Financial Services is trying to collect the tax from the client after loosing the Affidavit I sent months ago, and after even offering them to replace it if they lost it since it looks they mishandled it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my XXXX app on XX/XX/2023 that a XXXX  hard inquiry was pulled from my report. I did not XXXX for any XXXX credit card and reported this as fraud to the XXXX bureaus. We placed a freeze on my report and setup up fraud alerts. Please have this inquiry removed as it was not from me. 
There is also a collection account NCB management services ( XXXX ) that is also displayed on my XXXX and XXXX credit reports. This is also not my account and needs to be deleted.
Product: Debt collection

Portfolio recovery put a hold on my bank account for a debt that is 8 years old and has been charged off by the original creditor. I can not function or pay bills because they have frozen my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I applied for a XXXXXXXX XXXX position at the company XXXX XXXX on XXXX. I was contacted a few days later with a scheduled interview. It was an online interview for 30 minutes. I was supposedly selected then a few days later I was sent a check to purchase office equipment for my home. I went to my bank on XX/XX/19 and asked the teller " do you think this is legit? because I am not familiar with positions like this ''. I was told that if the check goes in my account it should be good to go. XXXX contacted me and asked if I was ready, I said no because the money isn't in my account and they said it should be there by tomorrow the latest. I checked and it was there so I thought everything was legit. My next step was to go to my bank and get a cashiers check and take that check to Bank of america. I explained the situation again " does this seem secure because I am not familiar with this kind of business '' but I didn't receive any warning. I did all this by XXXX on XX/XX/19. The people were suppose to deliver the equipment to me by XXXX. Something told me to check my account. I checked, the funds from the check was gone along with that same amount from my bank account. I called my bank, they told me to go to bank of america and stop the check. I got there at XXXX and told them to please stop the check, something is wrong with this transaction. The lady at the branch told me that it was already scanned. Now here I am.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX XXXX {$220.00} XX/XX/XXXX Account number XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

I had an account with Bank of America. I had applied for a job on XXXX like I always did and they were legit jobs that I actually worked. I applied for a XXXX job online and recieved a check that was said to be my advanced pay for the job I was going to start. To make a long story short I deposited the check in my account not knowing that it was a counterfeit check so instead of Bank of America notifying me they closed my account and put fraud on XXXX. I had no idea the check was fake because it looked real had the water mark on the check and all. I 'm trying to get the issue resolved due to the fact that I 'm trying to buy a home and would like to open an account with a credit union but ca n't because they stated it will never come off the report I do not have anything on XXXX
Product: Mortgage

On XX/XX/2023, my husband and I decided to refinance our home in Florida. The address is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Florida, XXXX. We submitted many documents and thought we had completed the process. Our loan officer continued to ask about our student loan information, which we provided. During his conversation, he stated that because we didn't have a clear picture of how much we would pay to these loans, our interest rate would have to increase to 7.48 %. We only pay 3 % on our mortgage, so we decided to cancel the application on XX/XX/XXXX. However, we kept getting emails from the company to provide more documents. Once again, we called and informed the agent that we were not going forward with the refi. On XXXX we received a letter of incompleteness, and on XX/XX/XXXX, we received a letter for Payoff demand. We called again to express our concern for these letters. The representative at PennyMac told us to disregard these letters. Yesterday, XX/XX/2023, we received an email, which was the final annoyance. It was a statement of credit denial, termination letter. I called PennyMac, and the representative stated this will not go against my credit report, I disagree. It's a denial letter from a mortgage company.She stated this is the policy of PennyMac to send these letters. This is a bad policy, especially if the consumer has cancelled the application to refinance their loan.She stated she would pass this information over to the Loan officer, but, don't believe they will call.
Product: Checking or savings account

Greetings, My name is XXXX XXXX XXXX. I am a USA citizen, who operates a day care center on New York City. I have been open since the pandemic started working and saving during this pandemics hard times. On XX/XX/2022 I was charged {$30000.00} dollars via a XXXX transfer from a unknown merchant. I am lost in words and destroyed inside my savings and money to be a home owner is gone. I have filed a dispute with the Wells Fargo bank XX/XX/XXXX, XXXXthe claim number given is # XXXX I also want the help of the CFPB to assist my claim and help me recover the funds that was unauthorized from my account. I have never gave or allowed merchant to charge my account. I work hard everyday to help kids and parents during this pandemic .Then a merchant steals {$30000.00} dollars from my checking account. I want and need this money back in my account as it was indeed unauthorized. I cant run my business without it. This pandemic has increased percentage of fraud and I was a victim. I ask for help recovering my money I believe in America and in our constitution.Wells Fargo never contacted me or alerted me about such XXXX transfers without my consent money was withdrawn. Merchant has stolen money without any service or authorization.There are multiple charges by this merchant I dont recognize. I spoke with XXXX XXXX he told me it was done via Wells Fargo app. They should know how to track data and see I didnt initiate such transfer. If it was down through my mobile banking then why not send me a text notification or call. When I send money via XXXX I get a text notification and email. With XXXX they never notify and let a merchant steal my money.
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a major security breach at XXXX. I found out about this on XXXX today ( XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX ( thank you XXXX ). I checked XXXX and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through XXXX, XXXX, and TransUnion. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent accounts, credit cards, addresses and bankruptcy due to identity theft with a police report. They removed all addresses that werent linked to fraudulent accounts causing them to verified and remain on my report. Deleting my current and factual address and address I previously lived at so I couldnt even verify my self online or over the phone. So I had to wait on mail to come next door. Also the bankruptcy is still reporting. I cant even get a credit report because its under investigation. But its actually completed. XXXX Equifax and XXXX deleted everything and put it back. This is my life I have small children and this identity theft is a hindrance. Then to not get a solution has left me in tears.
Product: Credit reporting or other personal consumer reports

I had my identity stolen by an individual that opened accounts in my name. This person was in fact arrested and charged with this. I filed a report with the FTC and provided this along with the associated police reports to Experian. They state that the creditors have validated these accounts and there is no longer an obligation to block them on my report because of this. They also state that once theyve validated these accounts they are no longer under the obligation to honor any further dispute or additional evidence on my behalf to eradicate these fraudulent accounts. Im under financial duress do to Experian 's unwillingness to scrutinize these accounts and feel they are simply taking the easy road to appease these companies that provide Experian a financial relationship.