23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan was originally taken out through XXXX XXXX XXXX XXXX. Without notifying me, they then transferred the loan to XXXX XXXX. XXXX then told me I had to contact a different servicer, ECSI. ECSI now has two of my loans and every single time I call to speak with them they confuse what loan I am calling to speak about, which is a hindrance but I can deal with it. My main complaint is that when talking with a representative from ECSI in XXXX to discuss taking my loan off of automatic repayment, they told me that I had a " grace period '' from the XXXX of the month until the XXXX to pay. What they did not tell me was that my interest rate would go up, increasing the amount I have to pay every month, and that additionally I would be accruing interest every day that the loan goes unpaid. I have been facing payments more than I paid before, and they now include interest charges on top of that. Every representative I have spoken to since has said that the information I was given was wrong, but they will not do anything to take off the interest charges. Additionally, my billing statement has a lower amount due than what I am told to pay when I log in. I am attaching documentation of what I was told to pay, and receipt of my payment for that amount rather than the higher one. " Included with the documentation is a chat log from today, XXXX XXXX, 2016, when I was told that my interest rate was raised. I never received correspondence about this. It is supposed to be a fixed interest rate, and I am assuming it was raised when I turned off recurring payments but apparently there is no way to get it back down now that it is with a different servicer. I was told during a chat with a representative that " some credit unions give discounts if you are on reoccurring payments but theres no way i can tell you if your credit union lendkey had you consolidate with is one of those '' ( XXXX ). I am extremely tired of not knowing what happened with my loan, my interest rates going up, my monthly payments changing, and being told misinformation that costs me money.
Product: Debt collection

Often by mail and phone when searching for work. {$1200.00}. Said i could not pay anything at this time due to financial reasons. I will when i can. To be settled with time. Wanted to know what else could be on my credit unsettled : mortgage, credit cards, medical and XXXX XXXX. 

Consolidate. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Product: Consumer Loan

XX/XX/XXXX, I brought a vehicle. I have to make payments of {$460.00} a month. However when I brought the car, the dealer BAAM Finance Company, told me that I would be paying the amount of {$460.00} for a minimum of 2 years and then I would be able to trade. After the 2 year mark, I was trying to trade my car and learned that I would be paying the amount of {$460.00} instead of two, but five years totaling the car to {$26000.00}. The car is a red Toyota Corolla 2008 & when I purchased it, it had over XXXX miles on it and is 8 years old. I feel like this is a fraudulent sale. I am paying 10x what the car is worth and is unable to trade it. When I purchased the vehicle, the dealer handed me a pink sheet of paper stating that I would be paying a total of {$14000.00}. 
BAAM Finance number is XXXX. BAAM Finance is located XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I feel like I am being grossly overcharged for a used 2008 vehicle.
Product: Checking or savings account

Wells Fargo sent a letter ( " XXXX declaration '' ) and requested to send documents such as XXXX passport to the email address ( XXXX ). I have sent a copy of my XXXX passport with the form signed on XX/XX/XXXX. Without any notice, they locked all my accounts on XX/XX/XXXX. I have tried to call and visited the branch. Today is XX/XX/XXXX and all my accounts are still locked. I can not withdraw any money. I have been without money and I am going through breakdown and the problem is I don't know where to go, what to do and who to contact anymore. This is a pure discrimination. I was born in XXXX but moved to XXXX on XXXX and I am holding a XXXX XXXX. I don't even have XXXX  passport, have not been to XXXX for almost 7 years and no intention to travel there every again. I have no relation with XXXX whatsoever.
Product: Debt or credit management

I signed up for the Tomoboost XXXX  service on XX/XX/XXXX with the promise of providing 2 years of credit reporting and reporting at least a {$10000.00} line of credit to relevant agencies. 

As of XX/XX/XXXX, I have seen XXXX reporting of either promise for the {$300.00} I spent on this service. 

They have effectively done next to nothing noticeable when it comes to credit beyond showing me my score, which I can see on a multitude of free services that provide a much more substantial benefit. 

I have emailed them on XXXX separate occasions regarding this issue and in XXXX, this is what the company 's response was : " We sincerely appreciate you being our valued TomoBoost XXXX  Member. 

Your initial credit reporting will be the base limit for your TomoBoost XXXX. 

To help you boost your credit score, we will include your bills in our monthly reporting cycle, so that it will then show as the higher limit. 

Keep in mind that we will report to all three major credit bureaus here in the U.S. on a monthly basis. Credit data is important, so we have a thorough review process for quality reporting. Each bureau can have different reporting guidelines and timelines ; one might report sooner than the others. This usually happens once a month or at least every 45 days. We recommend waiting a minimum of 45 - 90 days to see your reporting. 

Please note, that our system does not report until your payments are current. A past-due balance will delay or stop reporting. '' Then in XXXX, I received no response except a request for personal information and a request to rate the service I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing a complaint on XX/XX/XXXX for disclosing my information to multiple third parties such as Chex systems and XXXX XXXX who has put me and my wife on a strict checking account not allowing us to deposit anything from a mobile app or ATM, having very limited transfer abilities basically making me feel humiliated and embarrassed of the situation. They are in violation of : 15 US code 1681a # 2 A1 15 US code 1681a # 4 XXXXXXXX XXXX  and XXXXXXXX XXXX and chexsystems is in violation of the Gramm Leech Bliley Act- they did not give me any opportunity to opt out from any information being disclosed, they also disclosed information without my consent to I have submitted a report from chexsystems with all the information. This situation has caused me much damage financially, not allowing me to open a bank account so i could acquire a vehicle loan for me and my family.not able to open up a account to cosign for my XXXX son. 

Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from earning warning services, Chex system, XXXX. My social is XXXX date of birth XX/XX/XXXX Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX CLOSURE DATE XX/XX/XXXX XXXXXXXX XXXX XXXX CLOSURE DATE XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, when Experian has neither corrected nor removed disputed items despite the evidence i have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request your urgent assistance in resolving a dispute with XXXX regarding an account reported by XXXX XXXX XXXX, which is inaccurately listed on my credit report. The account contains several discrepancies that XXXX has failed to address properly despite my prior disputes. 

Details of the Discrepancy : XXXX. Repossession Date Inaccuracy : The vehicle associated with this account was repossessed in XXXX. However, XXXX is reporting the repossession as having occurred in XX/XX/XXXX, which is incorrect. 
XXXX. Account Transfer and Missing 1099-C : The account was transferred to another party, but I have not received a Form 1099-C, which is required when a debt is canceled or discharged.

3. Lack of Verification : XXXX failed to contact XXXX XXXX XXXX to verify the accuracy of the account, despite being required to investigate disputed information. 

Additionally, as of XX/XX/XXXX, XXXX XXXX XXXX, located in XXXX, Texas, has been closed due to weather conditions, further complicating the ability to verify this account. 

Violations of Federal Law : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : XXXX has not followed reasonable procedures to ensure the maximum possible accuracy of the information reported, as required under the Fair Credit Reporting Act ( FCRA ). 
XXXX. 15 U.S. Code 1681 ( i ) - Dispute Procedures : XXXX is required to conduct a reasonable investigation of disputed information. Their failure to verify the account with XXXX XXXX XXXX demonstrates noncompliance with this provision. 
XXXX. 15 U.S. Code 1692 ( d ) ( 2 ) - Harm to Reputation : XXXX inaccurate reporting is causing harm to my reputation by leading to credit denials, housing application rejections, and other adverse actions. 

Impact on Me : These inaccuracies have severely damaged my credit standing and ability to secure credit, housing, and other essential financial opportunities. The harm caused by XXXX negligence is inexcusable and needs immediate rectification. 


Supporting Documents : Enclosed, I have included the following for your review : A copy of my credit report highlighting the inaccuracies related to XXXX XXXX XXXX Any correspondence with XXXX regarding this dispute Additional documentation to support my claims Thank you for your attention to this matter. I trust in the CFPBs commitment to protecting consumer rights and look forward to a resolution. Should you require any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo credited me {$3000.00} back on XXXX  for services that I didn't receive for a medical procedure. 
On XXXX  Wells Fargo reversed the credit of {$3000.00} which left the account negative {$2800.00} I spoke to the claims department on XX/XX/XXXX concerning the account being negative and refiled the claim because they had more questions. 
On XXXX  my payroll deposit of {$2400.00} covered the fees of the reverse credit that was caused by Wells Fargo and the account was left with a negative {$440.00} Due to the refiled claim Wells Fargo credited my account {$3000.00} on XXXX  I wasn't fully compensated because I only received a total of {$2500.00} I've spoken with a banker several times to resolve my issue and haven't received any results to my issue. 
I wasn't fully credited the {$3000.00} that the doctor 's office stole from me and I didn't get compensated for the payroll deposit that Wells Fargo stole from me {$2400.00}. 
Wells Fargo took my money and paid me back with my money but not all of it. 
Wells Fargo owes me {$2800.00}. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING A COMPLAINT TODAY AGAINST THE CREDIT BUREAU EQUIFAX. I RECENTLY FILED A DISPUTE WITH THIS CREDIT BUREAU REGARING A CREDIT CARD THAT WAS OPENED DUE TO IDENTITY THEFT. I FILED AN IDENTITY THEFT REPORT WITH THE FEDERAL TRADE COMMISSION AND SEND THIS INFORMATION TO EQUIFAX INCLUDING A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, PHONE BILL, AND A LETTER ASKING EQUIFAX TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT UNDER THE LAWS OF SECTION 605B OF THE FCRA. TODAY I CONTACTED EQUIFAX TO FOLLOW UP ON MY DISPUTE AND WAS TOLD THAT MY DISPUTE WAS REJECTED AND THAT EQUIFAX DOES NOT BLOCK FRAUDULENT ITEMS FROM CREDIT REPORTS. I AM NOT SURE WHY EQUIFAX IS NOT ABIDING BY SECTION 605B OF THE FCRA BUT THIS IS CAUSING ME SERIOUS FINANCIAL HARDSHIP BECAUSE I AM TRYING TO CLOSE ON MY HOME MORTGAGE. EQUIFAX IS IN VIOLATIONS OF THE FCRA AND I AM EXPECTING A RESOLUTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

Me, along with MANY other people are having a problem where the California XXXX and Bank of America fraud systems wrongfully marked tons of people 's bank accounts as fraudulent and subsequently froze them. My account was unfrozen after a few days but the bank has taken back thousands of dollars that were given to me as reimbursement from ACTUAL fraud that happened months ago! Now my ( along with many other people 's ) account is in the negatives and the bank still hasn't given back out money due to this fraud system error. It almost impossible to reach anyone from California XXXX or Bank of America ( probably because this is happening to many people ) but there is no action being taken!! Some people still have their accounts frozen! All of this is because of the fraud systems being faulty and failure to secure our cards from Bank of America! Now many people are suffering with accounts in the negatives and no help!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXXDate of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Care credit lowered my credit line from XXXX to XXXX without notice in XX/XX/2020. I made a payment toward my balance of XXXX with XXXX available. Care credit declares they did not need to inform me of the credit line deduction.
Product: Payday loan, title loan, or personal loan

I was sent an email XXXX and they had a ton of accredited attachments below like ( XXXX  ) they had even sent me documents for this loan which is 2000 $ I talked to them on the phone XXXX ( XXXX ) XXXX everything was fine till I signed it sent them my information and etc. They now wont answer my email or calls and they texted me I told them I needed confirmation on this being a real loan company they said to contact my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor : City of XXXX XXXX Current Creditor : Penn Credit Corporation Account has been reflecting paid off 100 % since XX/XX/2021, however, it is still showing as a collection on my credit report. The negative information is stopping my ability to obtain and acquire new credit. My request is that this false information is removed. 

Thank you.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 information Any other adverse item of information, other than records of convictions of crimes 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute three accounts that are being reported on my credit report by XXXX, which I do not recognize and believe to be inaccurate. Despite my attempts to resolve the issue directly with XXXX, they have failed to properly investigate and correct the errors. Below are the details of the accounts in question : Creditor : XXXX XXXX XXXX Amount Reported : {$180.00} Dispute Details : I have no knowledge of this debt and have never had any dealings with XXXX XXXX XXXX. I did not authorize or incur any charges related to this account. 

Creditor : XXXX XXXX XXXX  Amount Reported : {$0.00} Dispute Details : I do not recognize this account and have never opened or authorized any credit or transaction with XXXX XXXXXXXX XXXX The amount listed as {$0.00} is confusing and does not appear to reflect any valid debt. 

Creditor XXXX XXXX XXXX Amount Reported : {$2800.00} Dispute Details : I have never had a credit account with XXXX XXXX or XXXX, nor have I authorized any purchases or transactions with this entity. The reported amount is incorrect and does not belong to me. 

I have attempted to resolve these issues by contacting XXXX directly to dispute these accounts. However, XXXX has failed to properly investigate the matter and has not provided a satisfactory resolution. I believe these accounts are either the result of identity theft or a mistake in XXXX reporting process. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and assist in resolving this issue by ensuring that XXXX conducts a thorough investigation into these accounts. I also request that XXXX remove the inaccurate accounts from my credit report, as they do not belong to me and are negatively affecting my credit score and financial standing. 

I also have a list of inquires that I have no clue about : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I tried to purchase an XXXX w installments from a line of credit. I thought the line of credit comes through XXXX, but apparently it's Citizens bank. Citizens bank declined my application saying I have a poor history with them. I have no clue what they're talking about. I've never used them before in my life. I'd done XXXX payment for phones up until my last one and I'd never had any notice sent to me from XXXX suggesting I was not paying them for the phone. In fact, I'd had my phone usable and now available to have XXXX care until XX/XX/2019. I'm showing proof of these realities. None of these realities elicit any concern w citizens bank or nonpayment history. I'd gotten no mail, no emails, no notices of any kind for citizens and somehow Citizens says I have bad payment history them? It makes no sense. I get notices from apple pay within hours or days of any issue with my card, and I update it immediately and I'd seen charges for XXXX and bought plenty of apple products with no problem. I have thousands of dollars cash and not one credit card of mine has ever been late in payment. Why would I have a payment problem with Citizens?
Product: Debt collection

Today I checked my XXXX credit report and I found a debt collection mark ( XX/XX/XXXX ) on my report, which greatly impact my credit score. The agency is Enhanced Recovery Corp located in XXXX XXXX XXXX, XXXX, XXXX XXXX. The original creditor is XXXX. But from XX/XX/XXXX to XX/XX/XXXX, my phone ( XXXX ) service company is always XXXX XXXX XXXX. I never owed any money to XXXX. I called ERC and tried to tell them that I am the victim of identity theft and please remove the collection. ERC told me that the address is in XXXX on their file. However, I have lived in XXXX XXXX, XXXX for more than two years since XX/XX/XXXX. Then ERC required me send them my copies of driver license, SSN and credit report. They are trying to collect money that I never owe to XXXX and their collection remark greatly lower my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.