23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Was contacted by representative from I C Systems on XX/XX/19 claiming to be a representative from XXXX XXXX XXXX. She never mentioned her actual companys name but claimed that I owed {$87.00} to XXXX XXXX XXXX and that once I paid the {$87.00}, the account would be settled and not reported to the credit bureaus. I paid the fees and assumed the account was closed. Two days later I was alerted by XXXX XXXX that the account was reported to the bureaus as delinquent and that I owed {$240.00}. I immediately disputed the negative item on my reports, disputed the {$87.00} payment with my bank as a scam and filed a report with the consumer finance agency. I C systems uses deceptive practices and fraudulent misrepresentation to convince consumers to make payments on accounts to prevent negative credit impacts. DO NOT PAY THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to Transunion having inqiry issues the above accounts have been listed on my credit report I am a victim of misreported inquires I've asked that they be deleted imediatley
Product: Payday loan, title loan, or personal loan

One Main, XXXX XXXX XXXX XXXX IN XXXXXXXX, has an incorrect balance and/or charge oof amount listed. I have tried MANY times to get this corrected to no success AT ALL!

The balance states {$6200.00} but the charge off says {$6800.00}. How can you charge off more than your own stated balance owed?

AND if it is indeed charged off BY LAW, they should not have ANY balance listed!!! 
It should say " XXXX ''!!
Product: Student loan

I have an issue with XXXX. The payments I and my wife are setup on are mostly manageable. The problem I have is that the plan they have me on does not even cover the interest accruing. Why would they put me on a plan for repayment when the loan is only growing over time? I know that XXXX loans are forgiven after XXXX years. This will leave us with well over $ XXXX in forgiven loans. That seems great but Ive learned that the IRS considers forgiven loans as income and is taxed that way. Why would the government put us on a plan that seems like a great deal only to burden us in our XXXX with a insurmountable tax bill? Anyone that has owed the irs any considerable amount of money knows how terrible that is. Forgiven student loans should not be considered income after paying on them for 25 years.
Product: Vehicle loan or lease

United auto credit is committed fraud by repossessing my van since they couldnt provide a validation of debt they violated contract law they didnt put nothing of value therefore has nothing to loose they money came from me thats is why they couldnt validate the debt
Product: Checking or savings account

On XX/XX/24 I began receiving texts about a Chime account. I do not have a Chime account, did not open one and am not familiar with who Chime is. One text message said the email address on " my account '' had been changed to XXXX. I then started receiving emails. I thought this was all spam. On XX/XX/24 I received an email saying a Chime Debit card was in the mail. I then called Chime to inquire if this was true. They verified with my phone number, email address, and date of birth that an account had been created. I refused to give my SSN. The woman I spoke to, XXXX, confirmed she had closed the account and flagged it as fraudulent. I am still submitting this complaint as their account opening controls need improvement. Account opening authorizations should require more due diligence. It should not be this easy to have a stranger open an account in my name and request a debit card be mailed to them. I also am concerned that the account is not really closed. This is sales practices misconduct, UDAAP impact, and customer harm. Reference number from account closure is XXXX. I can provide the email confirmation I received of the account closure if needed.
Product: Credit reporting or other personal consumer reports

I called and let them know they told me that they don't have an account under my name so therefore they are unable to remove the inquire. I also told them that I notice unauthorized inquiries on your report, or you noticed someone apply for something in your name. According to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. Nothing has happened so I have filed an FTC report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud theft i have notified all XXXX credit bureaus since XX/XX/XXXX and continue to be victimized. Here are the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

Potfolio Recovery is a collection agency out of XXXX VA. Portfolio Recovery has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX. 
In XXXX, I obtained a credit card from XXXX XXXX XXXX, who used the original creditor is identified as XXXX XXXX  as their credit card service. However, Portfolio Recovery has XXXX XXXX XXXX  listed as an original creditor for the same {$440.00} and are attempting to collect with XXXX   XXXX XXXX as an original creditor. Portfolio Recovery is also currently reporting to all 3 credit bureaus using XXXX   XXXX XXXX as the original creditor with account number XXXX. On my credit report, XXXX XXXX is the original creditor and is also the creditor that i have made payments to. The account number for XXXX XXXX  is XXXX. The last update to the original account with XXXX XXXX was on XX/XX/XXXX. 

The debt through XXXX XXXX XXXX is not my debt. 

Furthermore, it should be noted that the original amount of the debt was {$450.00} when portfolio Recovery obtained possession of the debt in XXXX. However, {$9.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating the original company was XXXX XXXX. 

It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX encourages portfolio Recovery to practice practice accuracy.
Product: Debt collection

I tried to get the system fixed first they XXXX XXXX. Well they filled bankruptcy an when it is business. So I'm dealing with the loan company. Went thru some hard times an tried to get a hardship loan. Sent them all the paperwork they requested over 8 months ago an still nothing. They continue to XXXX compound interest in my loan. I'll NEVER get caught up. I was also told that the system could be returned an that I would get back payments returned. All I want is this faulty thing gone an my credit repaired. No one will help me find the company that is taking over for XXXX. I can't afford to pay someone to remove them. I'm on XXXX an my check only goes so far. I don't even live in the house it's on ... .. God Bless!!!!
Product: Mortgage

I paid off my mortgage with AmeriHome XX/XX/XXXX, at that time {$1500.00} was remaining in my escrow account at was to be sent to me via check. I called prior to payoff and after to confirm this information as well as reviewed on line. On XX/XX/XXXX AmeriHome mortgage disbursed {$180.00} in mortgage insurance AFTER my account was already paid in full. These funds should not have been disbursed to mortgage insurance they were to be sent to me as the account was PIF, no additional Mortgage insurance should have been paid. I received a check for {$1300.00} in escrow funds, it should have been the full {$1500.00}. I have called no less than 8 times in the past 2 months to try to resolve this matter each time being told different information, including they reached out to Ins to get the funds back, including that the check has already been sent to me, and now XX/XX/XXXX I was told none of these had been done, and that I would need to call insurance and request a refund. That is incorrect, first I have no idea who the mortgage insurance is through, secondly AmeriHome made the error!!! They disbursed funds over a week AFTER my account was PIF. I refinanced with another company, they have already paid any necessary Mortgage Ins. AmeriHome should have sent me a check for {$180.00} immediately upon notice of their mistake, and then worked to recoup the funds THEY SENT IN ERROR from the Mortgage company. It has now been 2 months that they esentially stole {$180.00} from me, so I expect that returned ASAP with interest. I have requested a manger multiple times, transfer around, hung up on, and told tons of conflicting info. I also tried to contact them via there website on the contact us now form and have not heard back.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am in need of some assistance. There is a class action lawsuit against Santander for predatory lending practices. Nebraska and Georgia are just a few of the states mentioned in the class action lawsuit. Attached is a letter explaining my situation. I would like to know if your assist me, if not, do you know of any other agencies that can provide any assistance? There is also a class action lawsuit against XXXX due to engine failures, fires, and excessive gas consumption. My car is a XXXX  XXXX XXXX and according to XXXX, if my engine is not stalling or knocking, I can not get any assistance. The current lawsuit does not cover excessive oil consumption. My car has a blown head gasket and I still have an outstanding loan on my vehicle with Santander and I can not drive it! 





Thank you for your time XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate information ( Transunion ) XXXX student loan. Open XXXX, 2002.Amount {$2600.00} XXXX student loan. Open XX/XX/scrub> 2002. Amount {$1300.00} XXXX  student loan. Open XX/XX/year>2002 Amount {$1200.00} XXXX Bank XXXX missed payments inaccurately reported. 
Please update all information accurately
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my reports and noticed I had some unauthorized accounts and inquiries listed. I also noticed Equifax reinserted an inaccurate account that they once deleted. I know that this is against the law so I ask that they remove this immediately. I also demand that the other unauthorized inquiries get removed as well
Product: Mortgage

My loan originated with XXXX, it 's a VA loan. Never was I told that this loan, which is a fixed rate loan, could be arbitrarily changed to increase my payments. I agreed to {$1000.00} per month because that 's what I CAN AFFORD! I never agreed or was told that it could change at the hands and will of XXXX or Wells Fargo who bought the loan off XXXX. Wells Fargo has illegally changed the scope of my contract by increasing, mishandling payments and taking payments from my account that were not authorized. I am now paying $ XXXX per month despite having made extra payments on top of the automated payments over the past year. I got my mortgage in XXXX 2014, in the little over a year Wells Fargo has taken advantage of, increased payments and changed the loan agreement without my permission or knowledge. This was never something anyone told me they could do ... I have made several complaints and know demand the account be audited by an outside organization that caters to veterans. Am again fed up with this and feel even the CFPB does little to help. If this does not get sorted and my mortgage back to the original monthly amount I will file a complaint with Veterans Affairs, contact my Congressman and Senators until it is resolved to my satisfaction.
Product: Debt collection

It is showing a debt owed for XXXX on all credit bureaus. I have no idea what this is and what your method of verification was. I did not receive any written documentation or phone calls regarding this matter. I have no idea who this creditor is and I have never did business with them. Please delete this from my report. Also, what was your method of verification
Product: Debt collection

Security credit services has verified a debt unlawfully and they have listed the debt on my credit report. I have emailed the company, and spoke with XXXX one of the supervisors and left many messages with their compliance department to furnish the required documents proving the debt is mine, and they continuously can not and will not give me the copy of any original contract with my signature showing the debt is legitimate, nor have they furnished me any charges that were made and for what, and any payments made to this account showing from the original creditor proving the amount is even correct. They refuse to follow the sate statutes and guidelines, AND companies that illegally run debt practices like Security Credit Services should be regulated and fined appropriately. I dispute this debt with this company and their unlawful actions validating the debt without the mandatory verification procedures. Please move forward with your investigation as i am also contacting a law firm to make a civil lawsuit against Security Credit Services.
Product: Debt collection

Debt collector did not comply with 15 U.S.C. 1692 and provide language in the initial letter notifying the debtor that he or she has 30 days with which to dispute the debt. 
Oliphant Financial XX/XX/2021 {$1900.00} no actions were taken by me --
Product: Money transfer, virtual currency, or money service

I am an idenity theft victim verified by the IRS and Social Security there is a bank account that I am not aware of that has funds that were intended for me I had Bank accounts with XXXX, XXXX XXXX and Wellsfargo i think that an account exist with wellsfargo or the investment brokerage involving Wellsfargo Bank a crime ring has reportedly transfered XXXX XXXX dollars a week from an account related to my name and social security number it is under investigation by XXXX Police Officer XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX  XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 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 lodge a complaint against TransUnion for their use of stall letters in response to my legitimate disputes, which has significantly delayed the credit correction process more than twice ( XXXX plus + days ). Despite providing all necessary identification information, TransUnion has consistently failed to remove inaccurate items from my credit report, which is not only frustrating but also against the law. I have even submitted all required identity documents within my dispute letter, assuring that the letters are from me. 

These actions by TransUnion have undermined the integrity of the banking system and have violated multiple federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). I believe that their conduct has breached at least the following XXXX provisions of the FCRA within 15 U.S. Code 1681c. 

Despite multiple attempts to resolve these issues, including the submission of my identification information, TransUnion has persisted in its use of stall letters as a tactic to delay compliance with my legitimate requests. This behavior not only demonstrates a blatant disregard for legal requirements but also significantly impacts my financial well-being. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate TransUnion 's practices and enforce compliance with federal laws. I urge you to compel TransUnion to promptly address and correct the inaccuracies in my credit report and to cease using stall tactics in response to consumer disputes. Furthermore, remove all accounts that are not complaint with XXXX reporting. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and will provide any further documentation or information required to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to update my credit report due to fraudulent accounts showing as inquiries. I submitted a copy of my fraud report and the other bureaus have removed these account but Equifax has refused to do so twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 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 Equifax 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, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX -- INQUIRIES -- XXXXXXXX XXXX XXXX XXXXXX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> :
Product: Credit card or prepaid card

I applied for the BP business solutions gas card in XXXX with the wrong EIN, so the representative on the phone deleted the application and processed a new one in XXXX. I never heard back from them, and they already pulled my credit on XXXX. I had a XXXX at the Time and still have good business credit. I called multiple times and never received an approval or denial or anything in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened a dispute with Experian about my student loan from the XXXX XXXX XXXX. This Loan was Opened on XX/XX/XXXX in the amount of XXXX. 

I made a dispute with Experian in XXXX about having the account removed but was unsuccessful. In XXXX of XXXX, the account was refinanced - along with other student loans- into a new account. However, the XXXX XXXX  Reported that the Account was in Collections in XXXX of XXXX, which was completely false. 

I tried to submit a dispute with Experian again on XX/XX/XXXX, but Experian denied to request because I made a prior dispute. This is unfair and damaging to my credit report. 

The Fair Credit Reporting Act prohibits Credit reporting agencies are obliged to delete inaccurate, incomplete or unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was advised by this company that the debt would be deleted from my credit if it was paid but shorty after returning the call, a different agent informed me that this wasn't true. I advised the agent to stop calling me because of how rude he was when speaking to me. 

On XX/XX/XXXX I receive another phone call from a rep name XXXX, I informed her to stop calling me and once again she hangs up the phone in a rudely manner. I called the company back and advised them that I was recording the call and that they needed to cease from calling my phone.
Product: Vehicle loan or lease

Ally financial has terms on my loan that violate the law 15 U.S. Code 1615 which prohibits using rule XXXX on loans with terms greater than 61 months.
Product: Money transfer, virtual currency, or money service

Cash app owes me money they kept saying they was sending it but never did
Product: Credit card

On XXXX XXXX  I called Bank of America to request a product change on my XXXX XXXX  credit card so that I could have the annual fee refunded by switching to a no-annual-fee card. The representative confirmed the fee would be refunded and the product changed. The product has now been changed ( my online account shows the new card type ), but the annual fee has not been refunded despite the representative saying it would be. It also took over a week for the product change to show in the online account, which is not a real problem, but it is certainly a poor experience.