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

I purchased a XXXX XXXX XXXX through XXXX XXXX in XXXX, TX on XX/XX/XXXX.

The amount to paid off is {$18.00}, XXXX  on the vehicle. I voluntarily gave the vehicle back on XX/XX/XXXX. XXXX is now known as Bridgecrest. Non of may payments were ever reported to any of the 3 major credit bureau indicating that I had an existing car loan.

Additionally, when I fell behind three payments in XX/XX/XXXX harassed me and threaten to repossess the vehicle unless I sign document s to put payments on the back-end and I would still be charged the interest on it daily. I feel that I was taken advantage of through predatory lending.

Also, the language in the contract was one-sided. It stated that The arbitration agreement itself contains a clause that states, in relevant part, Unless you reject this Agreement, this Agreement provides that upon your or our election, all disputes between you and us will be resolved by BINDING ARBITRATION.

If you or we elect arbitration, you will be GIVING UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under the Contract ( except for individual claims that may be taken to small claims court ).

Your rights will be determined by a NEUTRAL ARBITRATOR AND NOT by a JUDGE OR JURY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've done or approved in order to obtain products, services, or money. Please delete the following ITEMS. 
XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have not provided any information on my Claim the law clearly states within 4 days. Thats a violation. 15 USC 1681. I also did not give permission by writing for the CRA to report on my Consumer Reports 15 USC 1602
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off of my Credit File ; 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 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 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 I need you to please comply with the Federal Law, fair Credit Reporting Act section 605b, and remove the disputed accounts and information off of my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accouts that are not mine and i want them to be removed. 

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Student Loan Care ( SLC )  called me in    mid- XX/XX/XXXX , multiple t imes, each time presenting themselves fraudulently ( without me initially knowing ) as a " federal loan servicer. '' Whereas, most other companies were " servicers of federal loans, '' and they explained that I would " not have to pay anything '' - but they only told a half-truth in that they meant " not have to pay anything toward my loan. '' In reality, they were not a federal loan servicer, nor a loan service whatsoever, they are a consolidation sc am artist com pany that preys on college students to enter agreements which they do not fully understand. The entire conversation that I had with the  SLC representative did not o nce indicate that I would be charged a monthly fee for their consolidation services nor that I would be paying them anything at all. So, I reporte d them on  XX/XX/XXXX  to the   Consumer Financial Protection Bureau. Lo-and-behold, a new company ( who I was also unaware of ) named    XXXX   XXXX   XXXX   res ponded, declared I was a liar, but then agreed to close the case and return my money.  <P/> Now, here we are ,   XX/XX/XXXX  an d I r eceived a phone call from   Student Loan Care asking about my account and what happened. They wanted to k now   if I was still " using their services '' and if I planned to continue using them. I politely explained to the representative that I believed their company and their loan comp any (   XXXX   XXXX   XXXX   ) wer e very manipulative and scammed me into accepting their services - which I would not have taken otherwise. That 's the main point of contention : Had I been clearly informed on the telephone about the services  Student Loan Care/    XXXX   XXXX   were offering ( to consolidate my debt, put my loan in deferment, and then reapply me each year ) I would NOT have taken them. Instead, I was coerced through manipulative half-truth type of language into accepting their consolidation services in the understanding that they were a " federal loan servicer. '' Today, the representative presented me  two options  : " Pay 40 % of the total debt that w ould be accrued this year '' ( which would be {$560.00} ) or they would send it off to collections agency and make me pay the full amount of {$1400.00}. I, due to my belief that this was a very manipulative, coercive, and shady deal, one that was not detailed or clarified appropriately in initial   communication via telephone, feel not responsible to make any payment toward  Student Loan Care,   XXXX   XXXX  , or otherw ise.  <P/> Attached is the initial company response from    XXXX   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

I was informed recently that I was a victim in the XXXX XXXX XXXX and I have close to 10 derogatory accounts reporting on my credit report. After sifting through my credit report, I have found some errors on these fraudulent accounts that were opened in my name. I have disputed these accounts a few times with no change. The main error is on one of the following accounts is reporting a name of XXXX XXXX and also XXXX XXXX. I would never open a account under either one of these names. Here is a list of the following accounts. ( I have filed a police report and also filed a report with identity theft.gov. 

XXXX. XXXXXXXX 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 XXXXXXXX XXXX XXXX
Product: Debt collection

Midland credit management sued me. I never received the copy of the subpoena. The only information that I was give is that it given to my mother at my house. The problem is, is that my mother does not live with, nor did she accept a subpoena on my behalf. I am the sole owner of my home, my mother has maybe been here 5 times in the past 5 years. I believe that they got into court without me showing up to win by default.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX  XXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXXXXXX XXXX XXXXXXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.
Product: Debt collection

I am writing to delete the following information in my file, the item i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my credit file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately.
Product: Credit card or prepaid card

Hello my name is XXXX XXXX. Im having problems with a credit card company named Continental Finance.I have been making timely payments online. They send me a email stating that payment has posted to my account. Then a week later they send me another email stating that they have not received a payment. I have seven other cards and I dont have this problem with any of them. I believe they are running a scam because when I contact them they tell me that should call in the payment so they can charge me XXXXservice fee.I want them to change the false information they sent to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2021 {$4100.00} This company report bad information on my credit report without my knowledge. I never gave this company permission to obtain my credit. 

1692e, entitled False or Misleading Representations, states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Further, section 1692e ( 2 ) ( A ) prohibits the false representation of the character, amount, or legal status of any...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # 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
Product: Credit card

Received a notice that my account was past due. However, I never received a notice that the account had a balance due. This is clearly a scam to charge interest and excessive late charges.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfers

On XXXX XXXX, 2016 I issued an electronic payment from my E*Trade checking account in the amount of {$2700.00} to XXXX XXXX by mistake. This payment was delivered to XXXX on XXXX XXXX, 2016. E*Trade confirmed this was delivered to XXXX. I am attempting to have it refunded. 

I have spent hours on the phone talking with XXXX service agents and the results have been a complete dead end. My account with XXXX is no longer active. It was discontinued at least 8 years ago but I failed to remove XXXX from my payee list. They could find no record of my old account no. XXXX. They could find no record of my name. They could find no record of my old phone no. ( XXXX ) under XXXX. They apparently have no idea of where to look for this payment or who to refer me to for help. The various departments I talked to did consult their supervisors and they were no help either. 

This payment was labeled with my old account no. and my name. 

I also contacted customer support by e-mail. This is their reply ; " Thank you for contacting Internet Technical Support. 

Unfortunately we can not assist with this problem further via email correspondence. Please call Customer Service at : XXXX, so we can take the appropriate corrective action to address the issue. 

I recommend getting supervisor to assist you, as maybe able to dig into this on your behalf. '' Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I sent a letter off on XX/XX/2023 asking the credit bureaus to remove personal information that I did not want on my report. Here are my tracking numbers XXXX, XXXX, XXXX according to15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Also15 U.S. Code 6802 - Obligations with respect to disclosures of personal information states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.
Product: Debt collection

Several years ago I was hit with a collection for a similar amount on a XXXX credit card that has been closed since XXXX, and was advised by my bank to ignore their contact attempts because it was a scam. That went away and my credit score went back up. 

Starting a few weeks ago I 've been receiving tons of phone calls with no messages left from random numbers. 

Here is all the information I have on them. They do not answer the phone so I can not find out anything more. 

DEVILLE ASSET MANAGEMENT # XXXX , TX XXXX ( XXXX ) XXXX Placed for collection : XXXX/XXXX/XXXX Responsibility : XXXX Account Type : XXXX Account Loan Type : XXXX Balance : {$3000.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$3000.00} Original Creditor : XXXX XXXX {$3000.00} XXXX ; Pay Status : XXXX ; Estimated month and year that this item will be removed : XXXX
Product: Credit card

I set up my credit card for automatic payment on XX/XX/2017, on this date I also made the monthly payment which posted on XX/XX/2017. On XX/XX/2017 I received a call from Target Redcard stating that I had missed my payment and I needed to pay a {$38.00} late fee. I explained that I 'd set the account up for auto pay and I expected it to be automatically debited from my checking account. The representative acknowledged that autopay was indeed set up on the account, however she did not know why the payment did n't process. I asked that the fee be removed and authorized her to debit the missed payment. I then received another phone call on XX/XX/XXXX stating that the account was not on autopay, and that the late fee would not be removed. I requested a follow up phone call from a supervisor and to have the XX/XX/XXXX call reviewed, the supervisor called back, however she did not review the call and refused to remove the fee instead stating that she 's sorry for the miscommunication, but theres nothing that she will do to correct it. Aside from this alienating customers, it seems very disningenuous for the representative to state that the autopay setup to mysteriously disappreared over the last 7 days. This seems like a scheme to force consumers to pay a fee that is not owed, while damaging individual 's credit.
Product: Checking or savings account

I am the XXXX XXXX XXXX XXXX XXXX XXXX. I own a XXXX XXXX  that employs XXXX XXXX and cares for XXXXXXXX XXXX 
M & T bank placed a freeze on my business bank account after depositing a check which resulted from the sell of my company car and withdrawal of the proceeds. 
This freeze has prevented me from being able to operate my business. 
I have been unable to pay my staff ( run payroll ) and order supplies like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

M & T did not notify me that this freeze was placed on my account. I found out after my debit card kept getting declined with various merchants.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment with the multiple attempts I have made to correct a late open accounts on my credit report. Despite numerous efforts to address this issue, the late open accounts remains, causing unwarranted harm to my creditworthiness and overall financial standing. 

I have attached copies of my credit reports, specifically highlighting the late open account, along with supporting documentation that substantiates my claim. 

Despite my persistent efforts, the late open accounts persists on my credit report, causing undue financial stress. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly correct the late open accounts on my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the steps taken to resolve the inaccuracy. 

If my concerns are not addressed within the specified timeframe, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct this late open account in my credit file : 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

On XX/XX/XXXX I received a call from Quicken Loans. The purpose of the call was to sell me a refinance or other loan. From the beginning of the call I stated that I did not want my credit report pulled as the loan I have currently is only a few months old. Quicken already has copies of my credit from a few months ago. Throughout the call, the lender stated " I just want to make sure I'm giving you the best deal '' and also to make sure who he was talking to, verified the last 4 of my social. Towards the end of the call, he stated my report numbers, and I asked him if he had did a hard pull of my credit. He said not to worry, it falls off within a couple months. I told him again that I stated at the beginning of the call I did not want another hard pull on my credit, and I ended the call. 


I followed up with a dispute with Quicken Loans, and was assigned a case worker. 
Case # XXXX XXXX XXXX Quicken Loans | Executive Resolution Advocate Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Ext. XXXX XXXX XXXX stated he listened to the conversation, and agreed that I stated that I did not want my credit pulled at the beginning of the call, but I " didn't object '' to when my credit was being pulled. I didn't know that a new inquiry was happening, nor did I give authorization for it to be pulled.