23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I order a free copy of my credit report on XX/XX/2016. Upon checking my credit report I noticed that there were inquires done as if someone is trying to use my information. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have not inquire about any credit on these dates listed on my credit report. Although, I know it stated on my credit report that it does n't affect me I am convince someone is trying to use my information to obtain credit or tangibles. How do I stop this? In about an year I want to purchase a home and I do n't want any of this on my report at the time of purchase to affect me. I have several vehicles that are paid off so I was n't at anytime trying to purchase another vehicles. I am disputing other items on my report so that 's not an issue. The issue is someone is trying to use my information.
Product: Payday loan, title loan, or personal loan

i called XXXX XXXX XXXX they stated they have financing, their sales agent took my information to do a credit check, they also applied for my loan while i was on the phone. i was told no payment would be due until after the building was completed, i was working on getting a 40 x 64 workshop from them. weeks later and we never signed a contract, XXXX the salesman i was working with just keep putting off having me sign a contract, I got a email stating there was recent activity on my account, i asked XXXX about it and he stated it was normal procedure, more time passed by and i get a payment due on the loan, still no contract signed at this point. i tried to get XXXX XXXX and green sky to fix this, but they refused. i told XXXX XXXX to cancel everything, they threatened me with a 15 % fee, i countered threatened them with a fraud charge. they notified me everything is canceled. today a few weeks later, i get a email that a payment is due in 5 days, i have contacted greensky that this was a fraud account because no contract was ever signed. green sky did not do anything after the first call to hold the account. i talked to a manager, still refused to file it as fraud, they are going to investigate the signature on the contract. which leads me you file this complaint, the date started was XXXX, the amount removed from the account is {$30000.00}, where is the money, dont know, XXXX last response to me is you call the company, im not your messanger. 
Green sky XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX http : //www.greenskycredit.com XXXX XXXX was called, they sent out XXXX XXXX their sister company to contract XXXX  XXXX,XXXX  XXXX XXXX, XXXX XXXX, IN XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my credit report in XX/XX/2018 XXXX XXXX reported that I had a delinquent payment. There is no amount attached. I did not have a delinquent payment per my online statement. I called XXXX XXXX and they did not have an answer as to what happened but they would try to fix it. It hasn't been fixed yet. I understand that it hasn't been that long but this isn't the first time. When I was refinancing my home I found an old delinquent report from XXXX XXXX as well but it was so long ago it was hard for me to prove. If you look at my credit history I have never had late payments accept of course for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 

Attached bellow is my credit report showing the inaccurate accounts. Also, attached shows XXXX has deleted some of these accounts because they have respect for the law and my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a consumer report from Chexsystems. On that report I discovered that there were negative, fraudulent, unauthorized accounts opened in my name listed on the report. So I immediately went to local law enforcement to file a police report. After doing some research as to the steps I had to take in order to get the inaccurate information off of my report, I proceeded to dispute the info with chexsystems. 
On XX/XX/XXXX I sent them them the police report, an identity theft affidavit from the Federal Trade Commission, a letter stating that I am a victim of identity theft and a copy of my government issued ID.

On XX/XX/XXXX I received a letter from chexsystems stating that they had verified the information that was on my consumer report because they sent me a copy of a forged signature card. And If I wanted to pursue the matter further that I should send them a copy of police report, ( which I already did ), and inform the original furnisher of information to dispute directly with them, ( which I already did ).
Product: Bank account or service

On XXXX XXXX, XX/XX/XXXX, First Niagara Bank sent me an E-mail to my employee E-mail account, requesting I provide them with a signature card for my employee checking account. This had caused me alarm as I had already provided them with said item on XXXX XXXX, XX/XX/XXXX. When I had expressed my concern that a document containing my signature and account number had gone missing which could possibly compromise the security of my account and information, and that I would have to possibly close my accounts for security reasons, I was terminated from my employment.
Product: Vehicle loan or lease

Purchased a XXXX XXXX XXXX from Jd Byrider XXXX Tn XXXX XXXX after financings Car need work traveling 4 hours away from home .. called Monday morning to complain about problems.. 
Warrenty dept paid for an oxygen only.. 
Car need extensive work underneath they denied the patent to work on it.. 
No place close to home to repair car.. 
Pretty much brought a lemon car.. 
Entire undercarriage rusted out and fell off the car.. I could have lost my life.. 
I asked them to fix the car they stated they need payment first.. 
Lost my job because of no transportation. 
I called finance company letting them know where the car was I told Ill be sued for the balance..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX has Violated my rights. 15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. XXXX XXXX XXXX are Violating my rights.
Product: Credit card or prepaid card

Called Comenity Bank regarding a XXXX yearly fee for a card they administer for XXXX XXXX XXXX XXXXXXXX. I called approximately XXXX weeks before the due date ( XX/XX/23 ) to request that the card be canceled. 
I subsequently received a letter from Comenity bank stating that the XXXX XXXX XXXX XXXX XXXX had been closed. They also state in this letter that my current balance is XXXX, and you will continue to receive monthly billing statements until any balance is paid in full. 
This is an annual fee for a card that is now closed. They basically threaten to ruin my credit- listing all the credit reporting agencies as intimidation. 
Please keep in mind that I canceled the card prior to the due date on my statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX Re : Dispute of Alleged Debt Dear Sir/Madam, Please be advised that this letter serves as a formal dispute of the alleged debt referenced in your correspondence and sent to me in relation to an account that you claim I owe. I am writing to request full validation of the debt as permitted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ). This letter is not a refusal to pay the debt, but a request for proper documentation proving that I owe the amount you claim. As per my rights under the FDCPA, I request that you provide the following information and documentation : The name of the original creditor on the alleged debt, and the corresponding account number. The original amount owed, including a full, itemized payment history starting from the date the debt was first incurred with the original creditor. Legal documentation that proves I am legally obligated to pay this debt. The original date of delinquency on this account. A copy of the agreement granting you the authority to collect this alleged debt, or proof of assignment or transfer of the debt to your agency. The amount you paid to acquire this debt and how the current balance owed was calculated. Please provide all requested documents within 30 days of receipt of this letter, and please do so via certified mail. Failure to provide the requested documentation will result in the immediate removal of any claim against me and the corresponding entry from my credit profile. Additionally, I am formally notifying you that you do not have my consent to contact me through any means other than in writing, and you do not have my authorization to access, possess, or report any of my private information. Any such unauthorized actions are considered a violation of my rights and may constitute aggravated identity theft under applicable law. Furthermore, I did not grant you permission to report my information to any credit reporting agency. I demand that you cease reporting this information immediately until full validation has been completed. Under the Fair Credit Reporting Act ( FCRA ), I expect that you will flag this account as disputed with the credit bureaus during the validation process. You are also required to cease reporting this information to any credit reporting agency while the dispute is ongoing. Please be advised that a copy of this letter has been forwarded to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and all three national credit reporting agencies ( Experian, XXXX, and XXXX ) to initiate their own investigations concurrently with your review. If I do not receive the requested validation within the specified 30 days, I will take appropriate action, including filing complaints with the FTC, CFPB, and relevant state authorities. Additionally, I reserve the right to pursue private civil action for damages caused by this matter. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested validation of this debt by contract over 60 days ago and I have not received a response.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Bank account or service

I went to XXXX on a mini-vacation. While there, I attended XXXX and one night, I lost, or someone stole, my debit card and made purchases totaling {$2600.00} at various Walmarts and gas stations, the following morning. It took me a few days to realize the card was missing as I was using my XXXX XXXX. When I did, I filed XXXX claims with Bank of America, they are : # XXXX & # XXXX. XXXX is for a {$400.00} ATM withdrawal and the other is for {$2200.00} in bogus charges ( such as XXXX {$970.00} and XXXX {$290.00} charge at XXXX ). Bank of America has handled my claims extremely poorly. They at first refunded me the money and later on with no contact whatsoever they took it all back ( not once warning me that this was possible ), leaving me with $ -XXXX in my account. I have since been charged over XXXX in fees because of this. Since then, I have been trying to prove that I in NO way authorized these charges and that my debit card and cell phone had been taken and used without my consent. They have been extremely unhelpful and I question their integrity. I have been at BOA since 2013 and have been pretty consistent with my banking and ( almost always ) on time with my payments. If you try to fully understand the details of the situation and what occurred, as well as what I was thinking, and the circumstances surrounding the situation ( the timeline ), the non- legitimacy of the charges become apparent. The fact that as of now, I have lost all of my savings and owe {$500.00} ( plus my BOA credit card bill ), while having to pay my {$1000.00} on my XXXX bill, is very unfair. Talking about the specific charges, I went ahead and filed police reports. These are with the XXXX PD. For lost property, this includes the debit card and phone : XXXX and for CC Fraud : XXXX, this includes all fraudulent charges ( including {$400.00} ATM withdrawal ). Bank of America has twice denied my claim ... with no communication on their end as to why. They have not contacted the police and have done very little research on the charges or the facts. This is almost all of my money and it is extremely stressful and unfair. Please help put pressure on Bank of America. This is theft.
Product: Credit reporting or other personal consumer reports

I have called XXXX numerous times. My XXXX loan was transferred to them due to another loan servicer closing. I had my loans in deferment when it was transferred. XXXX did not notify me that they started trying to collect on my deferred XXXX  loans. I got a letter in the mail saying they were 90 days late and I was flabbergasted. This is predatory. They did not even tell me over the phone what the payment amount was, what they say was past due, or who authorized them to start repayment on a loan that was deferred. This is a problem with their transfer and mismanagement of my loan. Please update the accounts to NEVER late. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ). This needs to be investigated. I thought Biden put protections in place to prevent this! Shame on XXXX. I disputed with the bureaus and XXXX did not even respond- they provided no proof. I feel so violated. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Product: Student loan

Prior to interest restarting and payments being due, I applied to switch my current XXXX plan from the XXXX to SAVE in order to benefit from its policy regarding interest. This application was submitted/received on XX/XX/2023. Shortly after, I saw that this document/application was canceled on my MOHELA account. I called MOHELA and the representative was unsure why my application was cancelled. Trying to rectify this, the representative verbally reapplied me for the XXXX plan, stating that this was an almost guaranteed route for faster processing and assured that since there is no income cap for the XXXX plan, denial is unlikely for anyone. I even confirmed that while my monthly payment would be slightly higher on the XXXX plan vs my current ( at the time ) XXXX I still wished to switch onto the XXXX for its benefit in reducing interest. Representative agreed and proceeded with submitting my over-the-phone, verbal application. This was submitted/received that night on XX/XX/2023. Although not necessary, I submitted a XXXX to re-certify my work of employment to ensure that everything was correct. This was submitted/received on XX/XX/2023. Another error was again made while in the process of processing my requests/applications as only a few of my loans were placed on administrative forbearance, while others remained in repayment. Additionally, and more concerning to me, I was then placed on the LEVEL plan. This is the standard plan, which I did NOT apply nor agreed to. On this plan, I would not receive credit for payments toward XXXX as it is NOT an XXXX plan. A few legal colleagues actually considered this fraud placing me on a plan that I did not apply for and therefore, increasing my monthly payments easily more than XXXX. I contacted MOHELA as soon as I saw this and the representative, XXXX, was floored when he saw how many errors were made on my account. He wanted to rectify this right away and submitted yet another XXXX XXXX to get me back onto an XXXX plan, more specifically, SAVE, the plan that I originally applied for. In doing so, he also made sure that all of my loans were placed on administrative forbearance during this process and they were. This third IDR plan application for XXXX was submitted/received on XX/XX/2023. Now, still waiting for all of this to be processed, I see that all of my loans have re-entered repayment today, XX/XX/2023, and are ALL still on the LEVEL standard plan. My next bill is {$680.00}, due on XX/XX/2023. I had even submitted a payment on XX/XX/2023 for {$540.00} just to manage my compound interest ( even though at that time, my loans were still correctly on administrative forbearance ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the XXXX bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation and remove the false information from my credit report, they have yet to respond to me about this matter.
Product: Debt collection

We received a notice on XX/XX/XXXX21 from American Coradius International LLC Dated XX/XX/XXXX21 stating they are collecting a debt to XXXX XXXX XXXX of {$210.00}. 

I called XXXX, XXXX on XXXX/XXXX/21 and verified that I have no negative balance in my accounts with them. The XXXX Representative said they do not use XXXX to collect debts and that this sounded like Fraud and that I should report this incident to the Authorities. 

I'm guessing I have become a victim of identity theft, or that XXXX is just a scam company. 

I will be calling XXXX on Monday XX/XX/XXXX21 to formerly dispute this claim.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against CRAs Transunion, XXXX and XXXX for the following reasons 1.inaccurate reporting XXXX XXXX has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability. 2. Misuse of Federal Reserve Loans, I am concerned that the CRAs may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts. 3. Abuse of Insurance Policy, CRAs charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 4. CRAs is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice or having a sign authorization from me to be able to Furnish to my consumer report
Product: Prepaid card

On XX/XX/XXXX I received a {$500.00} per paid AmEx gift card from my place of work. On XX/XX/XXXX and XX/XX/XXXX I attempted to use the prepaid gift card at XXXX XXXX in person, XXXX XXXX online, and XXXX. Each time was declined and charged XXXX cents for each attempt. 
I call customer service on XX/XX/XXXX at XXXX ( AZ time ) but only got to a pre recorded message stating that heightened security measures wont allow me to use it at some places. The places I tried to use it are huge. The fact that I can not use it at those 2 places is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY OWN BEHALF REGARDING THE INFORMATION ON MY CREDIT REPORTS. FRAUDULENT APPLICATIONS WERE SUBMITTED AND PROCESSED UNDER MY NAME OR IDENTITY WITHOUT MY CONSENT TO OBTAIN GOODS OR SERVICES. THE FOLLOWING INQUIRIES AND ACCOUNTS I NEED TO BE DELETED ARE LISTED IN THIS REPORT AND ARE ATTACHED TO THIS STATEMENT AS WELL : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : OPENED XX/XX/XXXX XXXX : OPENED XX/XX/XXXX INQUIRIES : XXXX : XX/XX/XXXX XXXX XXXX SERVICES : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX