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

I Purchased Furniture from XXXX XXXX XXXX XXXX, Financed thru ACIMA, Credit, and Statement had different Name for Furniture Store Purchased XX/XX/XXXX. LAST payment was XX/XX/XXXX, and Cleared thru my Bank XX/XX/XXXX, I Requested A Paid in Full Reciept, By Mail and Email, Today is XX/XX/XXXX, and I have not Received my PAID IN FULL, EVEN though I had to Pay Taxes on Every Installment payment, for my Account
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX using Trans Union reports both companies ceasing to procedure 15 USC 1681b permissible purpose.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report again, I discovered incorrect information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaus to validate these accounts. It is not permissible to leave these accounts unverified without providing proof within the legally specified timeframe. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$360.00}
Product: Prepaid card

On XX/XX/year> I received a 'virtual " American Express prepaid card. The cardmember agreement says the card works anywhere AmEx cards are accepted but that it may not work for reservations and deposits. My card has failed to work when making a one-time payment towards my XXXX insurance bill, a one-time payment to my lawn care provider online ( they do not do recurring billing, I receive an invoice and enter my credit card every time I get a bill, it is not automated or recurring ), when trying reload my XXXX balance online, and when trying to use tap to pay in person to pay for a haircut last week. These denials are in violation of the cardmember service agreement.
Product: Debt collection

This company put a credit card on my credit report a charge off and sold it to a collection agency. This company goes by XXXX difference names and putting them on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX access card XXXX. XXXX they sold it to Resurgent Acquisitions LLC and LVNV Funding and all are on my credit report. IMPROPER USE OF REPORT
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Debt collection

This account is located on my XXXX credit report This information should be removed. 

Account Name : ALLIED COLLECTION SERV Phone number : ( XXXX ) XXXX Account Number : 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 confidentially under 15 USC 1681. Act Name : Self Act Name : Act Name : XXXX XXXX XXXXXXXX Act Name : XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX , XXXX, had my check garnished without sending letters, making calls or returning calls to first try to settle this debt. This debt is owed by me and my soon to be ex-wife and only my check had wages garnished from it. This company did not make one attempt to call, just sent a letter to my employer direct for garnishment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of unauthorized inquiries that appear on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from [ Name of Credit Bureau ], I have identified multiple inquiries that I did not authorize or recognize. 

Listed below are the unauthorized inquiries : 1. **Creditor Name : ** XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX : ** 2. **Creditor Name : ** XXXX XXXX XXXX. **Creditor Name : ** XXXX XXXX XXXX XXXXXXXX [ Date ] XXXX. **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX : ** [ Date ] XXXX. **Creditor Name : ** XXXX XXXX : ** [ Date ] 6. **Creditor Name : *XXXX XXXX XXXX XXXX XXXX : ** [ Date ] I categorically state that I did not apply for credit or authorize inquiries with the above-listed creditors during the specified dates. These unauthorized inquiries are inaccurate and are adversely affecting my credit score.

Under the FCRA, Section 1681b ( c ), and Section 1681i ( a ), I am entitled to dispute and request the removal of inaccurate or unauthorized information from my credit report. This includes unauthorized inquiries that have been improperly listed.

Enclosed are copies of my credit report highlighting the unauthorized inquiries, along with supporting documentation demonstrating that I did not authorize these inquiries.

I demand that [ Name of Credit Bureau ] conduct a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report in accordance with the FCRA. Please provide me with a written response detailing the results of your investigation and confirmation of the inquiries ' removal.

I expect this matter to be resolved expeditiously, as required by law. Failure to comply with FCRA requirements may result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX act # 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

This is regarding a fraud dispute on my Bank of America. 

I had filed for a new credit card, since I had lost my card while on vacation ( XX/XX/scrub>XXXX XXXX XXXX  ). 
The newly issued card was stolen from my mailbox, I am able to state this confidently because I never saw this mail containing the new card, but it does show up in my USPS expected mails. I was only aware of the theft after the fraud event happened and I went back and checked my emails. 

Fraud event : On XX/XX/XXXXXXXX XXXX XXXX XXXX, a Sunday, I start receiving SMS alerts on my phone ( attached ) that there are transactions being attempted on my card. I immediately called Bank Of America Fraud contact number and report it. I request them to not process the transactions as they are still in pending status at this point. They said they will be filing a fraud claim. 

Details of the transactions attempted on XX/XX/scrub>XXXX XXXX  : 1. {$2800.00} ( thankfully this did not go through ) 2. {$1000.00} ( this transaction went through ) Description of the transaction : Bofa Cash Transaction : XXXX XXXX XXXXXXXX, PA Temporary credit was issued for XXXX $ on date XX/XX/year> Received letter from Bank Of America that they are UNABLE TO APPROVE my claim and proceeded to take back XXXX $ ; letter dated XX/XX/year>XXXX In the letter they provided the following text : " We made this decision because : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' During the Fraud call, I had informed the agent that this is an event of the card being stolen.

I would like to highlight the following : 1. As soon as I received the SMS alerts, I reached out to the fraud helpline. I also opened the Bank Of America app to see what is happening. At this point my phone is connected to home wifi network in New Jersey, they should have the ip in their logs. This transaction was made in a bank XXXX XXXX XXXX XXXXXXXX PA, in a brick and mortar bank. They would have video footage of that in XXXX XXXX, is my assumption. 
2. On XX/XX/XXXX Monday, I called XXXX XXXX XXXXXXXX, PA. The person I reached spoke about the transaction as he was the person he assisted those transactions! Now, I am a XXXXXXXX XXXX XXXX XXXX, the person who did the transaction was not and they were able to describe the person. They asked me to do a police complaint which I did. The XXXX XXXX  staff commented about how shady this person was being and that is why they canceled the first transaction. 
I mention these, because it is clear to me that Bank Of America has not taken any meaningful effort to actually validate this claim. ( They have rejected this claim because the chip was read. The fraudster would have my complete address, because they stole my mail. It is possible they have created a fake id as well. ) The complete burden of proving this fraud transaction is now on me, who is the victim.
Product: Vehicle loan or lease

On XX/XX/22 I put in a request thru the Tesla App ( attached ) to terminate my lease early. The original termination date was XX/XX/22, and due to the fact I purchased another car - needed to terminate early. 

I received a ( attached ) quote from Tesla that was good thru XX/XX/22 to return with {$0.00} owed. I returned the vehicle to Tesla on XX/XX/22 - prior to the XX/XX/22 commitment date. 

Confirmation from Tesla " Thanking '' me for returning my car is also attached as well as screenshot from the Tesla App showing a XX/XX/22 return date. 

On XX/XX/22 I received an email from Tesla ( attached ) that my " Early Lease Termination Request was cancelled '', immediately following this e-mail I received another e-mail from Tesla that " My Payment was processed ''. In addition to the e-mail, Tesla processed a lease payment ( {$600.00} ) against my XXXX checking account ending in XXXX for the term XXXX even though I had returned the car and have documents stating that {$0.00} was due. 

I emailed Tesla XX/XX/22 and have received no reply. I also tried to contact Tesla finance, and there is no option to talk to a representative, only " leave a message and they will call you back '' Based on my terrible experience trying to turn the car back into them ( and their lack of responsiveness in all prior communications to return the car ) - I want to ensure that A ) my {$600.00} is returned as soon as feasible and B ) other consumers are aware that Tesla 's end of lease practices are not consumer friendly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to sign up for initial fraud alert on TransUnion 's website. After entering more of my information than I wanted to, the website informed me I would need to call their number to complete the alert. I then had to call them, giving them access to my phone number, which I did not want them to have.
Before allowing me to submit the alert, they forced me to wait through several minutes of marketing about their identity theft protection product. There is an initial short ad, which I indicated I did not want, and then a much longer ad.
Product: Credit reporting or other personal consumer reports

I was really disappointed and concerned when I saw unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I checked my report as usual, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries remained. I am asking that the documents I submitted be thoroughly reviewed so I can stop worrying about this.
Product: Debt collection

On XX/XX/2021, I contacted ecommissions about a letter that was sent to a 3rd party a present employer referencing an account still in dispute for non-payment by XXXX XXXX  XXXX XXXX. 

The director of defaulted accounts Ms XXXX XXXX was unproductive and unprofessional. Ms. XXXX was very argumentative, belligerent, and disrespectful. She was unable to answer my questions referencing the threatening letters received. XXXX invaded my privacy and harassed me for the last time is what I said. 

Further, Ms. XXXX XXXX the director of default advised that I obtain a lawyer regarding the monies in dispute because the file in question was referred to their attorney for payment. RAB, Inc is not an attorney office and awaiting figures for settlement or a payment plan. MsXXXX XXXX state the loan is personal but its a commercial debt. I do not own any shares in XXXX XXXX XXXX XXXX or the title company I am seeking damages for the threats, invasion of privacy, violating for greed, breach of peace, and XXXX attempt to diminish my name with new broker of record. 

The harassment started when XXXX could not get in contact with XXXX XXXX XXXX broker XXXX XXXX XXXX the owner and broker of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened account opened at premier first bank on XXXX under the account number XXXX an auto loan opened at XXXX XXXX auto on XXXX under the account number XXXX a personal loan under the name of XXXX, XXXX on XXXX under the account number XXXX. a personal loan under the mane of money lion under the account number Account # XXXX. a credit card opened under the name of XXXX XXXX opened on XXXX under the account number XXXX. a credit card under the name of XXXX XXXX opened on XXXX under the account number XXXX. a collection account under the name of XXXX XXXX XXXX opened on XXXX under the account number XXXX. another collection account under the name XXXX XXXX XXXX opened on XXXX under the account number # XXXX These accounts have resulted in several fraudulent hard XXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX the email address ( XXXX.
Product: Checking or savings account

USAA has frozen our accounts as of XX/XX/XXXX without providing a reason and we are unable to access our funds to pay bills. Social security income direct deposits for XXXX and soon XXXX will be in that checking account. 
After numerous calls, we were just informed by an " expert advocate '' of USAA ( XX/XX/XXXX ) that we won't be able to get funds for 60 days and there is NO ONE that can change that at USAA. She could NOT provide a reason she said as to why the bank made this decison. 
So, my husband has changed his social security income deposit after opening a new account at a local bank but it will not be effective until XXXX per social security. 
We also have a credit card with USAA which we obviously can't access or make payments. I asked the USAA person ( XXXX ) if we will be charged a late fee if we can't get to our funds to pay them and interest will be accumulating- she has no answer. So they not only have our money but are making additional interest at our expense. This is so wrong and horrible way to treat a consumer much less a XXXX  that they supposedly " support ''. How do they get away with this? How does a person pay their bills when a bank doesn't allow access to a person 's funds? XXXX XXXX USAA, you should be ashamed of your tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

The federal student loans on my report were eliminated and removed by the DOE and FSA due to law and HEA violations. Experian will not let me dispute because I did so years ago. It's the same thing with another account. The information is wrong and Experian won't let me dispute. I'm not going to be homeless I one week because I can't qualify for housing due to the incorrect information on my report. My Attorney Certified mailed copies of everything to Experian.
Product: Debt collection

Someone from Trans World Systems Inc called a business line ( XXXX times this morning ) and divulged serious personal information and was asking several office staff members from my XXXX. I called back and they wanted me to verify my social security number because there was " conflicting numbers '' and they needed to verify. Also, they would not tell me who or what was owed and kept asking me for my SS #. I do not think that someone should be able to call an employer XXXX # and divulge that kind of information to someone that is not part of what is going on and all while asking people completely not involved for my social security number. I feel extremely harassed and am scared as a consume to think an " debt collector '' who does n't know if it is my actual debt and is asking random office members for my social security number and divulging that it is to collect a debt. This also feels like slander as they told people things that probably are not true ( XXXX different employees answered XXXX of the XXXX calls made today ). Horrible business practices and should not be allowed to operate like that. 

Here number is XXXX
Product: Credit card or prepaid card

Citi Cards isnt resolving a double reversal. I have contacted them every week for 6 weeks. They have confirmed it is their mistake and they are working through their process to resolve. It has been 60 days. They have given me a credit on the interest accruing on both my XXXX And XXXX statements, however the last person I spoke with said they were waiting on the investigation team to resolve as it is now a billing issue but they can see its a double reversal. No matter who I speak with they will not solve the issue for their mistake. It is for over {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all 3 credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue.

I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan
Product: Student loan

Hello! 

I XXXX XXXX XXXX XXXX in XXXX, for which I took out several federal student loans. In XXXX, my loans entered their grace period, meaning that no payment is due, but that the loan continues to accrue interest. I applied to consolidate my loan so that I could enter an income driven repayment program, which would have lowered my interest payments to {$0.00}. I applied to have ALL of my loans consolidated into XXXX new loan, so that I could exit the grace period and enter the XXXX. 

In XXXX, I received a letter from my servicer, Aidvantage, stating that my application for consolidation had been approved. Naturally, I assumed that this was for all of my loans, since that was what I had applied for. A couple of weeks later when XXXX application was approved, though, I noticed that one of the loans was still in grace, not consolidated, and not on the income driven repayment plan. 

Presumably, this is due to a clerical error on the part of the servicer. I reached out to the servicer to ask what was going on. They told me that one of the loans had not been consolidated, without giving a reason why. I asked them how I could rectify the situation. They told me that I could apply to have the remaining loan consolidated. 

Because I have applied for a loan consolidation in the last 180 days, XXXX  rules mean that I can not apply for another consolidation online. As a result, I either have to wait 180 days or submit a paper form to the servicer. I live in the XXXX XXXX, and snail mail takes a while. The servicer always moves slowly, but I am sure that their ability to manage paper documentation is not especially speedy. 

In the meantime, the un-consolidated loan ( for close to {$25000.00} ) has continued and will continue to accrue interest ( at a more than 7 % interest rate ) if and until the servicer gets its act together and approves the application for consolidation I submitted months ago. 

When I spoke to a customer service agent at the servicer they told me there was nothing that could be done about this. No waiving of the interest accruing, or administrative forbearance in the meantime. 

To my mind, permitting this behavior encourages bad behavior among loan servicers at the expense of student borrowers. If I ultimately have to pay the accrued interest to the servicer, then the servicer will have made more money than they would have if they had processed my application correctly. This gives the servicer an incentive to create as many " clerical errors '' as possible, hope that borrowers do not notice, and then demand repayment for interest the borrower should have never accrued in the first place. 

I am lucky that I am a high-information borrower who knows how to make the relevant complaints. But I fear that for borrowers with less access to information and in more vulnerable positions, this kind of precedent allows for crooked behavior from student loan servicers.
Product: Debt collection

I received notice from my credit reporting XXXX that I had a collection account with Southwest Credit Systems. I never received a call nor a letter regarding XXXX or anyone else from this collection agency. XXXX was already disputed years ago and now this is showing on my report out of nowhere. XXXX is also or must be selling accounts to these people knowing it was determined that I do not owe them.