23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for an in-school deferment the first week of XXXX for the XXXX semester commencing XXXX. I meet Federal deferment guidelines because I am enrolled in at least half-time units. My application was rejected because XXXX, the administrator of my student loans, stated that my college had reported that I was, at the time, enrolled in less than 1/2 time units. However, I had submitted the application for the XXXX semester and the form was completed by my college 's registrar. I was also informed that an updated Deferment Application form was available and that I needed to complete that form. Please note that the form contained and required identical information as the one I had submitted in XXXX. Nonetheless, both I and my college 's registrar completed the new form and I submitted it in hard copy by U.S. Mail the first week in XXXX. I also uploaded it to XXXX 's website. XXXX again rejected my application erroneously claiming that my college registrar had not completed Section 4 of the form. This was absolutely incorrect. I called XXXX and confirmed with their representative that the form indeed my college had completed Section 4 of the form and that they would reconsider the application. I called again on XXXX, to learn the status of my request and was told that it would take at least two more weeks to consider the application. XXXX has erred at every step of my application process. I asked to speak to a supervisor when I called today, XXXX, and after waiting on hold for several minutes, was told that " no one was available and try calling back later. '' I stated that I would prefer to remain on the line because it had been two months since my initial application and that XXXX repeatedly rejected my application due to XXXX 's own errors. I was placed on hold again for several minutes and was again told that no one was available. However, I was told that someone would call me back today. Because I have repeatedly been given incorrect information by XXXX, I am concerned that they are not complying with Federal guidelines with respect to In-School Deferments. I would greatly appreciate your assistance with this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with Experian and XXXX credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Product: Debt collection

My name is XXXX XXXX XXXX, im a federally protected consumer, and I am making this complaint against SMITH, ROUCHON & ASSOCIATES, INC for committing identity theft. I have never given SMITH, ROUCHON & ASSOCIATES, INC any permission to use any of my identifying information to commit fraud by communicating to me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SMITH, ROUCHON & ASSOCIATES, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SMITH, ROUCHON & ASSOCIATES , INC continues its collection efforts, I will file for litigation for actual damages caused and SMITH, ROUCHON & ASSOCIATES, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, & securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202 ( f ). Your prompt attention and response are both requested and required.
Product: Vehicle loan or lease

i had gone to a dealer in XXXX because i was tried to get a car and the i provide the dealer my info they ran my credit i couldn't get approved in the next month i check my credit report i find out it wasn't one time the dealer pulled my credit I saw a bunch of inquiries about auto finance now my credit is kind of heavy with all these inquiries its about 20 inquiries listed below and they kept repeating over and over XX/XX/XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX ally financial  XX/XX/XXXX ally financial XX/XX/XXXX ally financial   XX/XX/XXXX ally financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX all this reported to my credit report just because i requested a loan from the dealership now my credit is worthless because of these hard inquiries from my XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account Name : XXXX/XXXX Account NumberXXXX Account Type Charge Card Date OpenedXX/XX/XXXX Status Account : charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX After multiple disputes for over 6 months with this company they still have failed to validate this account. I still have not gotten any response in writing or by phone. I even contacted this company to try to settle the debt even though its not mine just to get it off of my credit report. This is negatively impacting my credit which is stopping me to live a quality life.
Product: Checking or savings account

I called in XXXX this year and found out a checking account that was open in XXXX was still open. I reported fraud got letters a small check for any inconvience, but never received any info about the account within ten days like I was told I would. When I went into Wells Fargo, XXXX XXXX, CA. XXXX they told me the account was closed in XXXX. I called head quarters right there and they told me the had info on the account. The manager got on the phone and lied Infront of me when she returned the phone the lady switched her storey and told me the account was closed in XXXX. I left and called the same number and was told that the account was still open. I requested my consumer report which showed four opened IRA accounts. But the bank tells me I have no accounts, when I call they tell me something about my uncle getting XXXX my brother XXXX and myself XXXX. I never elected that option. And so once I called with the four account numbers, I also gave a lot of info about my grandmother and within a week I got a letter saying I was dead. I took the letter, consumer report and a witness into the bank, the lady barely looked and told me it was a mistake. I know that they a IRA accounts that I was suppose to inherited and was told about them. I believe my money has been and continues to be stolen from me and I do not know what to do about it. Also when I requested my consumer report the following month the information like my address or my date of birth on every account was different.
Product: Checking or savings account

i received my paycheck through venmo and i went to transfer it to my bank, as i normally do, but was declined transfer and subsequently my account was suspended for " suspicious reasons ''. ive reached out several times. they sent an email demanding i change my password and submit id, which i did. now they inform me that my case is with the " internal support team '' and they dont have a phone contact number you can only reach them by email and it should be XXXX to 5 days before i hear anything. my issue is this should never have happened in the first place and they are holding my entire paycheck all my funds and here we are 2 days from XXXX and i have an XXXX XXXX XXXX XXXX to take care of.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally request your assistance regarding six unauthorized and fraudulent inquiries that are currently appearing on my consumer credit report. These inquiries are negatively impacting my credit score and overall credit profile. 

Details of the Unauthorized Inquiries : TRANSUNION Inquiry # XXXX XXXX, XX/XX/XXXX Inquiry # XXXX XXXX, XX/XX/XXXX Inquiry # XXXX XXXX XXXX Date XX/XX/XXXX Inquiry # XXXX XXXX XX/XX/XXXX XXXX Inquiry # XXXX XXXX XXXX XX/XX/XXXX Inquiry # XXXX XXXX XXXX, XX/XX/XXXX XXXX
Product: Consumer Loan

I have an auto loan with PFS financial XXXX. My loan term is 42 months, my payments are {$350.00} a month. I pay my payments monthly and noticed my balance keeps going up and now down. I did fall behind a few payments here an there. A woman from PSF financial came to my job threating me for payment and nonstop phone calls requiring payment. I check my payments to be on XXXX on a monthly basis. I recently checked my car payments to be posted on XXXX and noticed my monthly rate is now {$480.00}! I never received notice of this and am totally unaware as to why its now {$480.00} and not {$350.00} like it is in my contract. Attached are copies of amounts I been paying as of XXXX 2016 until current. On XXXX, it shows I did not miss any payments so I do not understand how my monthly payment when up, especially without my knowledge.
Product: Debt collection

Linebarger Noggin Blair & Sampson , LLP., through their attorneys & representatives, has committed aggravated identity theft. There is no Privity of contract. Linebarger Noggin Blair & Sampson , LLP through their attorneys & representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying their client or Linebarger Noggin Blair & Sampson, LLP can legally collect on this alleged debt, and proof that their client is the current holder of the instrument which created the alleged debt with my original blue ink signature. It also appears that they are practicing law without a license and are foreign agents. I request to see their foreign agents registration with the Attorney General. And if you are being retained by the original creditor, I request to see the retainer agreement. I will report this to the Federal Trade Commission and other appropriate authorities. I refuse to pay this alleged debt.
Product: Checking or savings account

On XX/XX/XXXX, I went to buy money orders to pay for my rent but the transaction was voided and I wasnt to be charged for the transaction. However, chime preemptively debited my account for the entire amount. The merchant provided documentation showing they do not have the funds on their side and I filed a dispute with chime. They told me that I would have to wait until they contacted the merchant even though they had all the information they needed. I then asked this to be placed in the correct category for unauthorized transaction as it should have originally been set too. Chime said they changed it and never actually worked on my issue at all. During the whole month I only received any communication about this when I would call them until I called everyday then they sent a generic email tasting they are working on it. Ive also heard differing stories from management and their employees. Ill hear that the money was taken by mistake and then Ill hear from management this is not
Product: Mortgage

Sent Mortgage payment to PHH Mortgage and they are not applying payment my account as a monthly payment. I have contacted the company numerous times and I told the payment is in principal and that they will reapply it correctly. They have not after numerous attempts and my account still reflects past due. When I request to speak to a supervisor for assistance I am put on hold and forgotten about. I have stay on hold for hours and no response and even get disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 FREEZE THESE 3RD PARTY REPORTS THEIR WEBSITES MAKE IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2018 I booked a car rental through Chase Sapphire Ultimate Rewards program. In this transaction I booked a car rental through XXXX  for which XXXX points were redeemed. I received an email confirmation stating that the booking had taken place, and that {$0.00} would be charged to my card. I can provide the email as needed. 

On XX/XX/XXXX Chase charged for this transaction vs applying more rewards. 

Shortly there after I called chase to notify them the charge was incorrect being as the transaction was completed using miles, at which point I provided Chase with a copy of the email, the date, the confirmation date etc. 

After several months I received notification from Chase that they could determine the charge was incorrect and that XXXX had provided them with confirmation. At no point did they actually look at their own internal records to see that reward points were used, instead the moved the situation along under the premise that I was disputing the charge from XXXX rather than I was disputing that Chase had not applied the reward points. 

I filed a complaint with the better business bureau on XX/XX/18 which was forwarded on to Chase. Yesterday XX/XX/XXXX I received an email from Chase stating they looked into the matter and came to the same result stating XXXX had shown proof of the charge vs. applying the reward points. 

XXXX I contacted the Chase rep to notify them of my frustration, and let them know I would be submitting to CFPB, and would also be seeking legal council.
Product: Debt collection

I Recently received communication from Receivables Management Systems attempting to collect an alleged debt from XXXX XXXX XXXX, the consumer totaling {$140.00} ( see attached ). The reference number is XXXX. This debt isnt valid & is being disputed. Im requesting they send me debt validation pursuant to 15 USC 1692g & Im also demanding they Cease communication until this debt is validated pursuant to 15 USC 1692c ( c ). ( In this complaint They equals Receivables Management Systems ).
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 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 item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. The status needs to be changed to " PAID, CLOSED/NEVER LATE ''. If not changed i will be forced to take legal action Heres the list that has erroneous inaccurate info on my credit. Must be REMOVED immediately!!!! 

DEPT OF ED/XXXX Account : XXXX DEPT OF ED/XXXX Account : XXXX DEPT OF ED/XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX
Product: Debt collection

About a year a ago, I filed a complaint with the CFPB against XXXX XXXX XXXX. At the time they were threatening to damage my credit score if I didnt pay them {$12000.00} on an un-used apartment rental lease. I threatened to hire a lawyer and they appeared to back down. this notification was received by certified mail. 

I explained in detail why I could not honor that lease. 

In XXXX, following the Covid lockdowns, XXXX XXXX was offering a Pre-lease to fill the building, but they said that I could not move in until XXXX of the next year. The building I was living in had just been sold. So I told XXXX XXXX that if I was evicted from the sold building before the move-in date in XXXX. I would have to make other arrangements. The sale rep said ok. Two months later, I was evicted. It was XXXX. I walked to the XXXX XXXX building and asked them to allow me to move-in immediately. They said that they did not own the building yet ; they could not do it. 


At the time my credit score was above XXXX. And it remained between XXXX and XXXX up until XX/XX/2023. In early XXXX, I filed a new application to rent an apartment at XXXX XXXX XXXX. About 3 weeks later, XXXX XXXX approved me, but with conditions. They said that because there was a rental collections on my report, I could not self-guarantee. They said that they would waive it if I agreed to pay an additional {$130.00} per month. Upon checking my credit, my score had dropped to XXXX. Apparently, XXXX XXXX filed a claim against my report for a {$350.00} reassignment fee while i was applying for a new apartment, so that they could use it against me. This was a total surprise because I received no notification from XXXX XXXX about a reassignment fee. 
It is clear to me that when I visited their office to apply for a new apartment, they decided to retaliate against me by damaging my credit. I spent the next XXXX weeks looking at other apartments, but it was obvious that no one would rent to me. 

Finally, I decided to go back to XXXX XXXX and pay the extra {$130.00} per month. 
But, to my surprise again, XXXX XXXX refused to honor their own approval letter. In addition, they refused to refund my {$200.00} application fee. 
I have tried to hire a lawyer, but there is not enough money in this to interest anyone. I've called the state AG 's office, but they only exist to represent state agencies. So far, I am having a great deal of trouble getting anyone to care about what happened to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

They got the wrong disposition date on my background report so my arrest date looks more recent than it actually was
Product: Credit card or prepaid card

I called Capital One Credit Card today and they had no record of a returned check yet whenever I try to apply for a car with Capital One Auto Financing I am automatically denied due to a returned check in the system. I am getting more than 10 letters saying I have a returned check but yet when I do call they have no record my bank made an error and held my money for a considerable time due to the large deposit that was resolved and I was never ever charged any over draft fees due to this error. I am constantly trying to get auto financing but yet due to this error that is in Capital One system I can not get financed as the letter is stating.