23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

From XX/XX/year>, through XX/XX/year>, I rented a XXXX XXXX from XXXX at the XXXX XXXX XXXX. The vehicle already had XXXX miles on its odometer, so we fully inspected it, took photos and reported the damage at the front gate. We returned the car, without further damage, at the location on XX/XX/XXXX at XXXXXXXX XXXX It passed inspection and we checked out. 

Eleven months later, I received a notice from Viking Client Services, of XXXX, that the XXXX had sustained {$1000.00} in damages and I was being held responsible for the amount. Company representative XXXX XXXX explained to me that Viking had taken over the claim from XXXX XXXX facilitator, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX asserted that I had received a notice from XXXX ( claim # XXXX ) but I tried unsuccessfully to convince him that I had not. Smelling a rat, I asked XXXX XXXX to send me all of the material noted above asap, which he did. 

I addition to the damage he cited, I noted on a photo of the odometer, dated XX/XX/year>, that XXXX miles had been registered in between the time I returned the car and the secondary inspection in XXXX XXXX on that date. The damage must have occurred in the three weeks between my return and that date. I asked for a record of subsequent rentals on the XXXX from XX/XX/year>, but that information was withheld. Somehow, it managed to find its way to XXXX, which is only about XXXX miles from XXXX, if that. ( The odometer reading was XXXX. ) Not having taken out additional insurance from XXXX, XXXX XXXX instead suggested I clear up the so-called debt by making claims to my credit-card company and auto insurer, after sending a check to Viking/XXXX  Since I knew that I had not damaged the car, I interpreted this proposal as a request to commit fraud against those companies. I did no such thing. It's been nearly a month since our last correspondence, so maybe Viking thought better of forcing me to commit such a crime.
Product: Payday loan, title loan, or personal loan

I actually secured a personal loan with XXXX XXXX XXXX through XXXX XXXX, but am still getting emails from Prosper asking me to complete their process, and I never applied with them. I have repeatedly asked they quit all processes and emails as I never asked for a loan from them. Please have them stop pushing this loan on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about all the negative items on my credit report per15 U.S. Code 1681 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following

findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

In regards to my Citi checking account, ending in XXXX. 
By XX/XX/XXXX I had withdrawn the total balance from this account down to XXXX, and completely stopped using it. 
Unknown to me until recently, a deposit of {$700.00} was made into this account on XX/XX/XXXX. From that money, Citi deducted a {$30.00} per month fee for XXXX consecutive months. A total of {$450.00} was deducted in fees, unknown to me until recently. If I had known there was money in this account, I would have withdrawn it. 
I think it is unfair that Citi charges a monthly fee on an inactive dormant account. I don't recall receiving any notifications of there being a balance in this account. Or seeing this account when I would log in to citi.com. 
Doesn't Citi make any attempt to notify the owner of an account gone dormant? 
I talked with a Citi representative about this on XXXX - telling him another Citi representative told me way back on XXXX that I would get a letter from Citi telling me if I was going to be getting this {$700.00} deposit. I never received any such letter. I have not yet received any followup reply.
Product: Credit card or prepaid card

I received an email about a credit card that I never applied for or received. I called the company twice and was just put on hold. It says I opened the account in XXXX of 2020 and the XXXX $ balance is a card fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, Also, The banks agreed to remove the late payment. I had a family emergency & was out of the country. The banks said they'd give a one time goodwill removal for the issue since I've been such a good customer. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX Date opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXXA XXXX Date opened XX/XX/XXXX Balance {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I checked my bank account and saw a charge of {$29.00} from a company called " National Credit Report.com ''. Upon further examination, I discovered I'd been charged that amount for at least 2 years and immediately found a number to call online. When I described the issue to the agent on the phone, she informed me I'd actually been charged this amount ( {$29.00} ) for more than SEVEN YEARS, which at least amounts to {$2500.00} with no knowledge on my part that I had ever signed up for this " credit monitoring service ''. She said it appeared my dad had likely signed me up for this service years ago under the lure of a free service ( for a limited time ), but I had no knowledge of this, they never tried to update contact information or reach me, the named " client '', which I just find to be unbelievably predatory. She also said the corporate office would be in touch with me within 5-7 business days - I just heard from them today ( XX/XX/20 ) in the form of a VERY hostile phone call from an agent who said the " onus is on you for not realizing this for 7 years '' among other things that did not lead me to believe I'd be getting a fair investigation from their corporation office. In case it's helpful, the complaint # they gave me is : XXXX. 

I also did some digging, and it appears the parent company had to pay {$20.00} XXXX to more than 140,000 consumers for what the FTC called " an online scheme that lured '' people into signing up for services like this https : //www.ftc.gov/news-events/press-releases/2016/09/ftc-return-almost-20-million-consumers-lured-credit-monitoring I'm not confident " National  Credit Report '' will cooperate at this point but would deeply appreciate the help of the CFPB especially now ( coronavirus ) - I simply can not afford to let that money go.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. 
This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo charged my account hundreds of dollars in overdraft fees due to not taking the funds out in a timely manner. I eventually closed the account and never received any of those overdraft payments back.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/XXXX DEBT REC XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I received a collection letter in the mail about a medical debt/charge that I have no recollection or knowledge of the service occuring. The creditor name is XXXX XXXX XXXX XXXX, the creditor account # is XXXX and the service date was on XX/XX/XXXX with a balance of {$2600.00}. I've never been to a XXXX XXXX XXXX XXXX, I haven't lived in XXXX since XXXX and I've been residing in XXXX since XX/XX/XXXX. Somehow there a charge and outstanding balance tied to my name and I think somebody has stolen my identity and use my credentialsfor this medical service and I do not want to be responsible for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires were not authorized by me and need to be deleted. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Product: Checking or savings account

I spoke with the XXXX Florida branch manager ( on XXXX ), XXXX, and he said that the bank provided notices, through the bank states and not through formal notices, that the bank was going to start charging a fee for XXXX. I do not think it is a fair practice to start charging the fee and only announce the fee on the bank statements. The bank has a process of notifying customer, through notices, that the bank is going to start charging a fee. I did not get a notice and I do not think the bank was fair about this. I went in and tried to close the account as soon as the fee hit to see if I could be refunded and the branch manager refused. This is not a sound and fair practice from Chase and I am disappointed.
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. 

Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XXXX XXXX 2024 2024
Product: Student loan

I am a currently a XXXX ( not working ) and XXXX. Ten years ago The State of California Department of Rehabilitation and I entered into an agreement that they would retool me for working from home. In the process of their program, I ran to the limit of Federal Education Loans, and took a Private Student Loan from Sallie Mae. The State had promised to find me work upon completing their program. My XXXX conditions worsened, and the State of California released XXXX XXXX individuals ( I being one of them ) from its program to " save money '' for the State ( at that time in bad fiscal condition ). My Federal Loans were forgiven as part of my deteriorating XXXX situation, but Sallie Mae would not forgive my loans based on the fact that I knew I was XXXX when I applied for the loan ( even though that was not a factor in the application ). When I explained that my health had continued to disintegrate, they refused to accept this despite letters from my medical providers. My loan continues to grow with fees. I have no savings or any means to repay XXXX or settle with them. Also, I now have the XXXX loan on my credit report. This is a very black mark as I am definitely not a shirker of my responsibilities -- having once been an educator at the university level. I repaid my earlier XXXX loans. However, my current income ( {$1600.00} a month ) is hardly covering my living expenses. I did not get the opportunity to try to work because of the economic downturn. I had to go bankrupt because of accumulated medical expenses from the period that I could n't get insurance because I had preexisting conditions. I am an XXXX XXXX, and I ca n't get any kind of credit line to boost my credit worthiness ( for renting ) because of the bankruptcy, and, more significantly because of the student loan non-repayment. Sallie Mae has been horrible about this ( well-documented by others in a similar position ). I am now " in collection, '' but have nothing they can levy. I have been unable to work since 1995, and the State of California 's rehab opportunity that they would find me work did not materialize. I feel Sallie Mae has violated my rights as a XXXX individual. I have stopped communicating with them as it seems a hopeless situation.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Nelnet has updated XXXX several times of my XXXX balance on all Nelnet accounts that were paid in full. XXXX is the only company out of the XXXX reporting agency that has refused to update its system. However, I have sent verifcation that I have a XXXX balance with Nelnet, along with Nelnet reflecting this to XXXX and in their system. I currently do not owe XXXX in XXXX loans. Please help my loans were transferred from Nelnet and paid in full by XXXX. I have not balance with Nelnet at all. This can be verified with them as Well
Product: Mortgage

My previous mortgage servicer issued a payoff statement to them that was very clear about what was needed to payoff the loan. Unbeknown to me at the time, Owning decided to pay a completely different amount that was several XXXX dollars short. Because of this, my servicer did not accept the partial payment. When it was finally brought my attention 3 weeks later that Owning did not pay in full, I had accumulated XXXX dollars of additional mortgage interest that I was forced to pay out of pocket. I thought that Owning would certainly own their mistake and reimburse my expense. Boy was I wrong, after weeks working with XXXX and XXXX in customer service they accomplished nothing and refused to take any ownership of the error. I will never work with them again and I caution anyone to steer clear. There are plenty of other competent lenders out there that are trustworthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from Ally Financial.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with XXXXXXXX, as the creditor has once again revised dates, substantially changing the reporting. 
XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.
Product: Credit card or prepaid card

I appreciate someone investigating and providing details last time around from Amex. Seems like they do have all the information that is required. Hope they do have information that are not necessarily only in company 's favor. Calls should have information required to prove calls & assurance from customer service team.
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Important point which was n't addressed in previous reply was if you 're not eligible, why they kept pushing for the offer, that too while booking on   XXXX    website too. It is unfair to have users read terms during the time of ticket booking! I would like complete facts to be investigated to confirm that mails were sent with Amex offers. When customer is not eligible, why send those ( I am sure if they can keep records for 4-6+ years, while marketing it is n't difficult to NOT target those customers ). Is n't this bad business practice?
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I ended up paying extra to use credit card for meeting the stringent $   XXXX   requirement. Amex had opportunity to inform immediately after approval also to notify of non-eligibility or during the calls that followed ( once again I would like to point out that calls seem to have been recorded without consent, but hopefully that can be used to confirm assurance of the offer once I met $  XXXX k requirement ). You can also confirm that each time I was told " by mistake case has been closed, but will be taken care in a week or so ''.
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Finally after months I am being told wo n't get any miles or credit, 'I was given wrong information earlier and nothing can be done '. Underlying message was 'read terms & conditions ', all other assurances were just sales gimmick. This is beyond frustrating & bad business practice and need to be really resolved. Also need to stop them from doing this again to any other customers.
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report contains incorrect personal information, which is leading to the appearance of unknown and inaccurate accounts under my name. These errors are unacceptable and must be addressed immediately.
Product: Mortgage

In XX/XX/XXXX, my husband and I took out a home equity loan to clear up some credit card debts. The day we signed, we had no idea how long this loan was for or anything.  We got the bill and for 8 years have been paying around $600 a month. All this time we noticed that our principal was not getting any lower and that by now the loan had to have been paid for. XX/XX/XXXX there was an additional charge of around $XXXX  we called the company around XXXX and they said that we were now paying on the principal and the interest. We told them that we were not able to pay that amount. They took a bunch of information from us and said they would assign us a case worker. They were sending us some paperwork that never came. We called again on XX/XX/XXXX. I had also requested a copy of our loan papers by USPS on that day. We had to give them all the information again. We got the paperwork but don’t understand what to do with it. My husband called the case worker on XX/XX/XXXX and she doesn’t come in until noon  eastern central time. My husband works 2nd shift and leaves just after noon each day to get to work. We still have not received the copy of the loan papers. What can we do about this?