23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

someone has a credit card under my name I am the victim of identity theft I have not authorized this card and I did not sign any paperwork to authorize this card! under the FCRA you must close and delete this from my credit report immediately and for good I have enclosed a letter and i will be filing a lawsuit against discover card for allowing this to get this far!!!
Product: Credit reporting or other personal consumer reports

Ive already submitted multiples complaints and reinvestigation clauses. This is my 5th notice to the company and still I have inaccurate things on my credit report that has caused me to be denied from jobs, Credit opportunities, and funding. The latest Credit file still shows these inaccuracies ( Attachments ). Account # 's missing, Balance owed being reported, Closed dates missing, Past due amounts being shown, Date opened different on bureaus. My consumer rights are that all information has to be 100 % accurate and these are not. XXXX in particular has failed to investigate and delete accounts that have been deleted from the other agencies as well. I am seeking damages in the amount XXXX per violation as the dates to investigate and has expired also for the accounts in question to be deleted. I also sent the companies a notice that I wanted a notice of what happened during investigations. Delivered and received at all XXXX bureaus XXXX XXXXXXXX XXXX 
Tracking numbers/ XXXX XXXX XXXX Consumer law below.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I was not sent any information.
Product: Debt collection

My account with XXXX went into collections I believe in XXXX or XXXX and was purchased by a collection company that is reporting incorrect dates of activity on the account as well as incorrect balances to keep the account on my credit report for longer than the legal limit. This is unfair credit practices and should be investigated.
Product: Vehicle loan or lease

I paid off my car back in XX/XX/XXXX a title was sent to me with the company Sol acceptance listed as the lien holder. 

I have been unsuccessful at getting a clear title for my XXXX XXXX XXXX. I asked for a hardship to waive the {$20.00} fee that can only be paid via a XXXX XXXX  and they charge a fee. 

I went to the DMV today XX/XX/XXXX and was a informed that SOL acceptance should not be charging me a fee, to prove my car loan was paid off. Sol acceptance stand their growing and wont wave the fee. I am experiencing a hardship finically and ask for a waiver. Sol acceptance DMVS Electronic Lien and Title ( ELT ) Program denied it. I had to borrow money from an abusive ex to get the money to Sol acceptance. 

I was involved in a bad car accident which I am recovering and have not received any XXXX or insurance payout. Therefore {$24.00} is a lot money for me. 

I dont understand why I have to pay a fee to have Sol acceptance release off my title. When the DMV tells me I should not be charged a fee and that once my car was paid off the lender was suppose to notify DMV.

According to the DMV sol acceptance participate in the electronic lien and title. Once a consumer pays off the loan Sol acceptance complete the necessary paperwork online to release them off the title. Instead they sent me the title advising me it was my responsibility once the mailed the title to me along with a paragraph letter stating my loan was paid off, that I had to reach out to the DMV. Only to be told by the DMV that I would have still need the lender to provide me with a signed form reg 166 to remove the lender. All I know is Sol acceptance is telling me something different than what DMV is stating. Of all my years of getting a clear title after paying off the loan. This is the first issue I have had all other lenders sent me a clear title not Sol acceptance. To the DMV it looks as if I still owe them. Which I dont owe them any money. They sent me a check for overage payment but no clear title.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft I filed a police report and a FTC report as well. It is XXXX accounts on my credit report that have been open fraudulently the first account is with a company named " XXXX XXXX '' and another one with " XXXX XXXX '' and also " XXXX XXXX '' I have never opened any accounts with them, and it is clear that someone fraudulently opened these in my name without my consent. I have contacted the company and the Credit Bureaus but they have not been helpful in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took took a medical loan through Monterey Financial Services ( MFS ) approximately in XXXX of XXXX. The total loan was for {$2200.00}. The payments that I can currently prove I made to XXXX {$1900.00}. 

XXXX is illegally reporting my loan information. XXXX has XXXX entry on my credit report stating that my last last payment made on the account was XXXX/XXXX/XXXX. I made the following payments after XXXX : Date Amount Transaction Description XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$600.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$120.00} XXXX XXXX XXXX CA *I believe I made XXXX additional payments between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, but waiting for credit card statements. 

XXXX illegally added a second untrue, derogatory entry to my report stating that I have an additional collection account with a past due amount of {$4200.00}. XXXX further stated that I was placed in collections on XXXX/XXXX/XXXX due to non payment. 

Both of the entries XXXX made on my credit report are inaccurate and fraudulent. I have tried to fix this issue with XXXX over the phone, in writing and most recently through XXXX, with no resolution. 

As a result of XXXX fraudulent entries on my credit report, I was denied a job working at XXXX Technology that required XXXX XXXX XXXX. I will be able to obtain an Affidavit from the hiring XXXX, where she specifically called out XXXX ' derogatory entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Barclays Bank back on XXXX/16 I tried to get an unsecured loan for a home and was denied not because of credit but because this item is still showing up on my report as not having been paid and that is not true. I have paid this item I owe a XXXX bal
Product: Credit card or prepaid card

I opened a credit card via Amazon which was apparently held through JPMC ( JP Morgan Chase ).

I never activated nor used the card. 

I was billed for XXXX but did not know. I had previously used another card for XXXX. 

Amazon removed the fees for XXXX  ( it was never used ) but JPMC added late fees for a card I never used, and reported late fees as late payments. 

I made countless calls where I was told I would have the fines by JPMC removed and would have a {$0.00} balance yet it took months of calls to accomplish this, and despite closing the card, and at one point having a {$0.00}, another fee accrued on the card - I had not idea because I was not using the, but again was reported for late payment despite paying off the card and closing the account. 

Now my credit has suffered for it. I am more than happy to pay a true debt, but late fees for cards never used, and fees on top of fees is ridiculous. 

Despicable, unethical, predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account due to inaccurate information reported. They investigated and stated that the information was accurate. Both Transunion and XXXX are reporting different information. It is my understanding that the bureaus are supposed to mirror each other when the account is listed on both. XXXX is showing a high balance of {$1200.00} and XXXX is showing a high balance of {$930.00}. Further more TU is showing XXXX as XX/XX/XXXX and XXXX as XX/XX/XXXX. They both are also showing a past due amount on a collection/ charge off account.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my serious concerns about the inadequate and inconsistent responses from Discovery, a credit card company, and XXXX, a credit reporting company, in addressing fraudulent charges on my account. 

Discovery, the credit card company, not only failed to conduct a proper investigation, but their customer service representatives exhibited a concerning lack of empathy. Their dismissive responses, including phrases such as " do what you feel is right for you, '' left me bewildered and frustrated, especially when attempting to report unauthorized transactions. 

Adding to these troubles, Discovery continued to issue new cards without my explicit consent, despite a fraud alert in place. Despite my efforts to assist their investigation by providing a police report, including the case number, they only called the police twice, received no answer, and subsequently closed the case. 

Furthermore, when I reported identity theft to Discovery, they neglected to take appropriate measures to safeguard my personal information. Despite sharing critical details such as my social security number, birth certificate, and other sensitive data that had been compromised, they failed to enact protective measures. 

Compounding these issues, I explicitly requested that Discovery refrain from mailing sensitive information, citing security concerns. However, my request was disregarded, and documents continued to be sent without considering the potential risks. 

Additionally, I was erroneously informed not to make credit card payments during the investigation, with the assurance that all charges would be rectified. Regrettably, this commitment was never fulfilled, and my credit remains impacted. 

The communication has been an unproductive loop, with Discovery consistently asserting, " we're right, you're wrong. '' This dismissive attitude and lack of cooperation have heightened the stress and uncertainty surrounding the fraudulent activity on my account. 

I urgently implore the CFPB to thoroughly investigate both Discovery and XXXXXXXX XXXX handling of this matter and ensure corrective action is taken to rectify their negligent behavior and inconsistent customer service practices. Your intervention is crucial to bringing resolution to this distressing situation. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I have a Citizens Bank checking and savings account for about two years. After a period of low usage, I submitted a request to the Bank to close the account. I thought the Bank have closed my account and stopped all Bank activities. 
It turns out the Bank only close my savings not my checking account. Customer service claimed they could not close out my account because I have positive account balance of {$8.00}. I don't understand why they could not close the account and issue an {$8.00} refund check like a reputable and trustworthy financial institution. 

In late XX/XX/XXXX, I was notified that my account has a negative {$7.00} balance due to inactivity fees from XX/XX/XXXX to XX/XX/XXXX. I emailed customer service but they refuse to do anything until the bank has a positive bank account balance. The Bank has implemented difficult and unnecessary process for consumers to close a bank account and as a result I was charged {$39.00} in fees. I have to follow via secure message, wait for a response and called the Bank twice but still get no resolution. The account should have been closed back in XX/XX/XXXX if the Bank was consumer friendly. Instead, as a result of my closure request, I am out {$39.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Consumer Financial Protection Bureau To whom it may concern, I am writing to file a formal complaint regarding inaccuracies in credit reporting and improper debt collection practices related to my account, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), XXXX Code XXXX. 
XXXX XXXX XXXX has been reporting inaccurate information to my Social Security number under the account XXXX. Specifically charging unauthorized fees that are not stipulated in the original debt agreement. This practice not only misrepresents my debt obligations but also reflects negatively on my credit history. 

Furthermore, I have received numerous calls from a law firm claiming to represent XXXX XXXX XXXX, offering various debt settlement amounts and terms that are inconsistent with what is listed on my credit report. These discrepancies have caused confusion and have raised concerns about the legitimacy and legality of their collection efforts. They are unlawfully requesting a one-day settlement making continuous calls. 

I am formally requesting that XXXX XXXX XXXX, and any third parties acting on their behalf, cease these unauthorized practices and delete the inaccurate information reported to the credit bureaus. Additionally, I ask that the collection agency provide clear and accurate information about the debt amount and terms, in compliance with FDCPA regulations, as they have not responded directly to any of my requests. 

Please confirm receipt of this letter and outline the steps your office will take to resolve these issues. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I returned my vehicle at the end of my lease on XX/XX/23 with all lease payments up to date. On XX/XX/23 GM Financial sent me a bill for the excess wear and disposition fees upon " termination of lease ''. This means that the lease was terminated on XX/XX/23 when the vehicle was returned. At that time I disputed the wear and tear charges and was waiting for GM Financial to get back to me with a response. Instead they sent me another bill with the same charges 30 days later with no response to the dispute. They then began to report the account as 30 days past due to the Credit Bureaus which negatively impacted my credit. This additional bill at the end of the lease was not credit that was extended to me and as such should not be reported to the credit bureaus. The negative remarks should be removed from my credit report.
Product: Debt collection

This is on my credit report. I do not know what it is for and question it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service, and unfair practices, which violate the Consumer Financial Protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

They call and ask for my personal information but will not tell me specifically what the call is in reference to beforehand or identify the account or company they are calling on behalf of - sometimes trying to get me to reveal my information in order to find out what the call is about. They sometimes leave messages that they will be taking legal action if I do not contact them by the end of the day. On occasion when I answer the call they make threatening statements and use intimidation tactics in an attempt to instill fear.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX These accounts need to removed. 
I sent Experian, XXXX and XXXX a letter opting out of all Authorizations I may have given them. I gave them time and they have not complied. They are in violation. 

Attached below is the letter sent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, This company has run inquires on my credit 40 times, I have never applied for anything with this company. Please stop this company from doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a XXXX  complaint against TransUnion and XXXX because of unfair practices. They have repeatedly decreased my score by XXXX or more points when I am PAYING MY DEBT OFF. They continue to blame algorithms, but obviously these are incorrect. It makes absolutely no sense that a person should be punished for trying to eliminate their debt. They claim to give so many tips and tools that consumers can pay for to help improve their scores but when you follow these tips it backfires. My most recent change as of XX/XX/XXXX was decreasing the amount on a credit card by {$370.00} bringing my utilization from 98 % to 56 % and as a result TransUnion decreased my credit score by XXXX points. XXXX takes a few days longer to update but they are typically in sync with one another on changes and results. This pattern of punishment for payments has been taking place all of XXXX and beyond. There are several other instances of similar actions. 

I believe I am being discriminated against by these credit bureaus due to the diligence I pay to my report and my unwavering stance towards ensuring all information on my report is accurate. Additionally, I do not believe my previous complaints were sufficiently investigated to determine a root cause. I believe a side by side comparison of someone of the opposite race with fairly similar credit patterns would show a significant difference if score calculation. Furthermore, I believe there are different algorithms assigned to different demographics or groups of people. As I informed them previously, if their CEO had the exact same change to his credit as I most recently had, his score would sure have not decreased.
Product: Student loan

on XX/XX/XXXX I made a payment of XXXX my loan. This amount would pay off one of my loans with Navient. When I checked they only on XXXX that went on the balance.. what happened to the XXXX dollars. I will be calling on Monday to find out this problem This is the worst company. Now I am wondering how many times they have taken my money and didn't appy it correctly.Thank you
Product: Student loan

I took out a private student loan with Sallie Mae to attend the XXXX XXXX XXXX, which was operated by a third-party provider ( XXXX XXXX. The program was marketed as job-focused training with strong career support and outcomes. I enrolled and started the program in XX/XX/XXXX, and the total loan amount was {$15000.00}. 

However, the program failed to meet the expectations set during enrollment. The instruction quality was inconsistent, the curriculum felt outdated, and the promised job placement or career support was minimal or nonexistent. After completing the program in XX/XX/XXXX, I spent over XXXX years consistently applying to jobs in the XXXX XXXX. Despite my efforts, not XXXX company has reached out to offer an interview. 

I did not receive the education or services that were advertised, and I have not been able to find employment related to the field as a result. Despite the program not delivering the promised outcomes, I am now responsible for repaying a loan for a program that did not provide the value expected. Given these circumstances, I would like to respectfully request a review of my loan with the possibility of having it waived or refunded, as I believe the program did not fulfill its obligations. 

Current Balance as of XX/XX/XXXX : {$18000.00} Fixed interest rate : XXXX % Estimated payoff : XXXX/XXXX/XXXX
Product: Student loan

My complaint is against the Department of Ed. 

XXXX is my student loan administrator. I took out federal student loans to help pay for graduate school in XXXX. I have been working towards public student loan forgiveness ( PSLF ) for almost ten years. 

XXXX put my loans in forbearance while they switched to a new online portal in XX/XX/year>. Furthermore, I received correspondence from the Department of Education that my progress towards loan forgiveness via XXXX would not be affected by XXXX switching to a new online portal. However, it appears that the months of XXXX - XX/XX/year> no are no longer qualifying periods that count towards XXXX. Consequently, it will take an additional XXXX months to qualify for XXXX. 

Furthermore, I can't submit a complaint to the Department of Education because their complaint submission portal on their website has not been working since I tried to submit this same complaint in XXXX and XXXX.
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 / XXXX 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, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are 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 these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 a collection account was added to my report by Charter Communications in the amount of {$4300.00}. This is an error and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX0.00} / XX/XX/2021