23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 15 U.S. Code 1681c-2, A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Delete These accounts IMMEDIATELY! 

XXXX XXXX XXXX. Account # : XXXX XXXX  XXXX XXXX XXXX. Account # : **** XXXX XXXX. Account # : **** XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( collection account ) Account # : XXXX XXXX XXXX XXXX. ( collection account ) Account # : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S. Code 1681b Permissible purpose of consumer reports ( a ) IN GENERAL SUBJECT to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION to the consumer which it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am DEMANDING the deletion of the accounts listed above IMMEDIATELY!
Product: Debt collection

I am writing this letter because I have repeatedly requested a BREAK DOWN of this past due billing information that I have received. 

I have repeatedly told MCM that I do not owe this amount because I was on a monthly plan with XXXX paying {$50.00} a month. The bill that they are charging me for looks to be adding the cost of a Galaxy S phone hat I was using my sim card in, but that phone was on my husband account and not mine. He was charged for that phone and paid it off on another collection account with MCM. They are trying to charge us XXXX for the XXXX phone. I was using the phone ( switch my sim card ) but my husband was the one who had got the phone on another phone number and not mine. I am inclosing a copy of the billing information I have received, and as you will see they still did not break down the past due billing for me, only telling me I owe X amount for this account. 

I am asking to have this account dismissed and removed from my records because I am not paying for something I have tried to explain to them I do not owe.
Product: Checking or savings account

I am filing a complaint against US Bank regarding deceptive and misleading practices related to their XXXX XXXX XXXX Account. 

US Bank advertised and extended an offer to me for an XXXX XXXX XXXX Account at an interest rate of 3.85 %, with the stated condition that the account balance must remain above {$50000.00} to qualify for this rate. I opened the account and have continuously maintained a balance above this threshold. 

After XXXX months, US Bank unilaterally reduced the interest rate on the account to approximately 1 %, without any prior notification or explanation. This change contradicts the original terms and conditions provided, which only stated that the rate was contingent on maintaining the minimum balance. There was no mention of a time-limited promotion in any documentation I received. 

US Bank continues to advertise similar XXXX XXXX XXXX rates above 3.75 %, furthering the misleading nature of their practices. 

When I contacted US Bank to inquire about the change, I was told that the 3.85 % rate was a promotional rate. However, the representative refused to provide any documentation or specific time frame for how long the promotion was valid. I escalated the call to a supervisor named XXXX, who attempted to persuade me to open a different account. XXXX knowingly misrepresented the new product by claiming that although it was labeled a variable rate account, the bank would not change the rate because they were pushing the product. This is deceptive and contrary to the transparency expected of financial institutions. 

XXXX further refused to provide documentation regarding the original promotions duration or how it was communicated. She repeatedly stated that the rate was variable without acknowledging that the variability was represented as being based solely on account balance. She refused to escalate the matter further, stating that she had no supervisor or manageran alarming statement suggesting a lack of proper oversight or accountability within US Banks customer service hierarchy. 

I believe US Bank engaged in deceptive marketing, failed to properly disclose critical terms, and misrepresented the nature of its financial products. I respectfully request that the CFPB investigate US Banks practices related to this account, including their failure to notify customers of interest rate changes, their refusal to provide documentation, and their misleading and evasive customer service. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through LexisNexis who sent me a letter stating the XXXX or XXXX  never responded to their request. LexisNexis, XXXX nor XXXX  has sent me the Method of verifying this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife stole my identity and social security number to purchase a car. She did it as a co-owner without my knowledge. She wrote false information on the loan documents. She purchased a XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. I was unaware until XXXX of XXXX when I was looking at my credit report and noticed it. Once I noticed it, I asked her to return the vehicle and get it paid off. I reported it to the police but they told me that they were unable to take it on as it is a civil case. I reported it to Capital One Auto, however, they denied my claim. The total amount stolen was {$29000.00}. She stopped making payments and I felt frustrated and like I had no recourse and my credit was taking a hit so I made a few payments. I have made a fraud report with XXXX and Capital One Auto. I had a court date where she did not show up. so the judge didnt do anything because he didn't hear from her.
Product: Vehicle loan or lease

I have a car loan with Innovative Loan Servicing. I have never missed a car payment since I have had the loan in 2021. I have asked several times for my loan to added to the credit bureau so that the good pay history can be accounted for to help my credit. 

I keep getting told they will report it but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an Equifax dispute on XX/XX/2020 for two debt collections. One debt collection was for XXXX XXXX XXXX XXXX and the other for XXXX XXXX XXXX XXXX. Both collections were for the amount of {$270.00}. I have continuously checked the Equifax dispute center and tried emailing their customer care to remind them of their obligation to the FCRA. It has been 37 days and no results have been posted.
Product: Money transfer, virtual currency, or money service

I have tried on many occasions over the last few months to access my old cashapp accounts ( I have rotated through several different phone models lately and all have required a re-installation of the cash app ). Every time I reach out to the company to get access to my prior wallet, they tell me they can not provide access and that I should open another account and they will automatically identify any prior accounts I have and migrate any balances. That has NEVER happened. All I want is for these scammers to provide me with a list of ALL transaction TO and FROM my accounts. I've provided them all the necessary information they require to validate me as the owner of the ( NOW ) XXXX accounts. All the customer service reps refuse to provide me the information- under the pretense of " security ''. I gave them personal information to create the wallets, all they should need is the same personal information to provide me access to my funds, they are refusing to do so and keep making me open more accounts- which actually does not resolve the problem and only adds to the confusion.
Product: Consumer Loan

My payment with BMW Financial Services is due on XX/XX/XXXX, account number XXXX. The vehicle is not in my possession, it was not able to be registered due to past due property taxes and the dealership is well aware of this. They have the vehicle in storage until taxes are paid. However, the tax bill is quite high and can not cover car payment as well. The tax bill is around XXXX and do not have enough to cover both. I need payment deferred a month to XX/XX/XXXX in order to buy time to pay taxes. I believe this to be reasonable, considering I do not have the car in my possession and they can verify this with BMW dealer, BMW of XXXX. They are also looking for a payment on a previous account, XXXX, which was paid off by XXXX. However, a small amount was left over, around XXXX I believe. I do not have exact amount available to me at the moment. The GAP company, XXXX claims, paid out the claim with no benefits so amount was not paid out. Their reason ( s ) for non-payout vary and are inconsistent/bogus. Please advise BMW Financial Services I refuse to pay and if they are still seeking payment they need to contact either XXXX and or XXXX Claims.
Product: Credit reporting or other personal consumer reports

Phone was stolen and thief was able to unlock my iphone and access my credentials. They were able to open an apple card with my info and managed to make multiple purchases. Filed a police report and disputed with all XXXX credit bureau 's. Received a call from XXXX stating that goldman sachs refused to remove the credit history from my credit report when i provided all the correct documentation they asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Lexington Law on XX/XX/. I paid {$130.00} upfront for the premier services. I Stayed with Lexington law for 5 months and only had 3 negative items removed. I Kept calling making complaints, that pushed lexington law to only remove 3 negative items. I wasn't satisfied with the services so I've decided to cancel on XX/XX/XXXX. The representative told me that I have to pay a {$180.00} cancellation fee, I tell the representative that I wasn't even informed about a cancellation fee the day of sign up and it wasn't mentioned in the contract. After I tell the representative that I'm not able to make a payment that same day, The representative tells me that payment would be collected every Friday until the cancellation fee is paid. Since than, Lexington Law has been trying to collect {$180.00} weekly payment. I refused to pay THEN and still NOW. I didn't think it was fair that I paid a total of {$650.00} for credit repair services that I didn't receive no good results.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Should not be on my account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX in XXXX, XXXX, and XX/XX/XXXX to dispute two late payments for XXXX and XX/XX/XXXX. XXXX XXXX contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by XXXX XXXX. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
Product: Credit reporting

I have a charge off on my credit reports with XXXX, I have paid the bal owed in full. The company said they would remove the remarks ( charge off as bad debt ) and replace it with ( paid as agreed ) They would send XXXX credit bureas XXXX, equifax and XXXX the update. They since told me they have done that. I have spoken to XXXX credit bureas None of them will change it. I have been working hard to take care of my old debts. Looking forward to maintaing a good credit history.
Product: Student loan

Hello, I am having such a hard time dealing with Navient right now I really need help. I am currently unemployed and have been in a IDR since I began paying off my student loan balance. Currently I can not make payments due to my financial hardship, XX/XX/2018 has been a difficult year for me and havent had work for several months. Speaking to the Navient representatives over the phone I keep being told that my only options are forbearance or deferment. I have to renew my IDR every year and the last company I worked for in XXXX, CA DBA, XXXX XXXX XXXX will not send me my pay history for the life of me. Now the company is operating under a new DBA, XXXX XXXX. With that being said I can not renew my IDR payment using the money I generated from my last job, and if I were to use last years tax return my payment would be over $ 300/month and I am barely surviving right now. There has to be other options for somebody who is unemployed and making no income. I have already been steered to jumping into a forbearance and I was misinformed that time and they are pushing me to that option again. 

Please help me! 

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

I have sent numerous letters to XXXX asking that they please verify XXXX accounts that are appearing on my credit report. I have no idea what they are and have asked that they send some type of documentation letting me know what it is, if its been verified, and who they spoke with so that I XXXX get some type of clarity on these accounts. I have not received any form of communication from XXXX. I have even sent letters reminding them that they are legally obligated to complete an investigation and respond in 30 days. My letters have gone unanswered. 
I have also sent letters to TransUnion and XXXX regarding a separate account. I have not received a response to my request for verification. I have asked both agencies to provide proof that this account belongs to me or a method of verification so that I XXXX follow up. TransUnion sent me a copy of my credit report and I have not received any written documentation from XXXX verify this account. 
I have been writing each bureau since XXXX and am not getting a response.
Product: Checking or savings account

I opened a Capital One 360 checking account under their promotion where I deposited {$1000.00} into the account within 60 days and they would give me {$400.00}. No where on the terms state that I must initiate the transfer from my outside bank TO them, just that the funds needed to be an ACH from an outside institution TO Capital One which total {$1000.00}. I did this, I initiated two {$500.00} transactions from my XXXX XXXX account To Capital One. I called to ask them why I did not see the promotion deposited. They claim I did not meet the terms of INITIATING the transfer from an outside bank to them, and send me the terms which I already had a copy of. I explained to them that when I had assistance from their rep opening the account, i could do a transfer fmoney between XXXX, XXXX, XXXX, an outside bank, or direct deposit and all of those would count as a deposit as long as it was an ACH and the total was {$1000.00} in 60 days. They did not state the transfer MUST be initiated from the outside source, just that the funds must come from the outside source to qualify. 
There terms were not clear and did not include this, now they are trying to withhold the {$400.00} bonus for opening an account with them although I met all other requirements according to them, but because I did not initiate the transfer from my outside institution to them they are withholding the bonus.
Product: Credit reporting

I have spoken to several people at Equifax who have instructed me to send a police Report to have unauthorized Hard Inquires removed from my credit report. I have faxed over the documents multiple times and they still have not removed the unauthorized inquires. They have taken up hours of my time placed me on hold for 1 hour and 60 minutes or longer giving me the run around.. I spoke with XXXX NUMBER XXXX who told me my official Police Report was not acceptable yet it is an Actual approved Police Report. I spoke with XXXX - XXXX At Equifax who stated the same thing. XXXX - XXXX spoke to XXXX who then tells me she ca n't tell me who her supervisor is. At this point it has been 2 hours of me being on the phone.
Product: Debt collection

I was XXXX XXXX XXXX  customer for number of years. Some how my credit card was stolen so they did not get paid for few months so they disconnect my service. I haven't use the service for number of months. Later I got another email stating my service is connected and they have send this bill for collection. 
I did get call later to resume my service with no prior bill or debt collection. 

I dont know if some one can check since when I was not using their services. 

Your prompt action is greatly appreciated. 

Thank you. 


XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore 2nd Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting XXXX XXXX account # XXXX and # XXXX. Also XXXX. XXXX. XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX5 U.S.C. 1681 section 602 A. States I have a 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 reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON CREDIT BUT TO MY SURPRISE NONE OF THE ACCOUNTS BELONGED TO ME. I HAVE NEVER OPENED THOSE ACCOUNTS AND I HAVE NO IDEA HOW THEY GOT ON MY CREDIT. BECAUSE OF THESE ACCOUNTS MY CREDIT IS NOT WHERE I HAVE WORKED SO HARD FOR IT TO BE. I DO NOT WANT TO BELIEVE THE FACT THAT MY IDENTITY HAVE BEEN STOLEN BUT IT IS VERY OBVIOUS THAT THIS IS THE CASE. I HAVE ALWAYS TRIED MY BEST TO MAINTAIN GOOD CREDIT STANDARDS. IT IS VERY UNFORTUNATE THAT I HAVE TO GO THROUGH THIS SO MY REQUEST IS THAT YOU RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an 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 any information any other adverse item of information, other than records of convictions of crime 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 reason to believe that the information is inaccurate. 

Account : XXXX XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX  Account # : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX