23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/2018 XXXX XXXX with 77 Elite I think that they maybe fraudulent companies. I have been paying them {$200.00} monthly. Im scared because the paperwork I signed stated limited power of attorney. 

Then XXXX called me and send Im overdue for federal school loan payment. 

I said no Im paying it ; they said you should file a police report. 

So please tell me if XXXX XXXX and 77elite a fraudulent companies?
Product: Vehicle loan or lease

NFCU repossessed my vehicle while I was XXXX XXXX XXXX, without a court order, which I believe is I violation of the Service-members civil relief act
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email saying an order was picked up and my credit card was charged. I did not place an order and I was not even in the same state as the pickup location. 
I called immediately to dispute this. 
The card 's automated system kept going in circles and would not let me speak to a person, nor would it transfer me to the correct department of the button I was pressing. It asked for my social about 6 times. 
This company offers NO option to dispute a charge online, only to print a document and mail a physical copy. 
I was finally able to speak to a person after more than 2 hours of holding and transfers and calling back after disconnects. This person guaranteed me that the charge was removed the same day it was added, although I requested written confirmation of this and they declined. 
It is XX/XX/XXXXXXXX  and the charge is still there. 
I am absolutely sick of these fraudulent companies taking advantage of people who don't want to wait on hold for half a day. " I apologize for the inconvenience '' - this isn't inconvenience, this is THEFT. 
Upon calling back, they had NO RECORD of any phone calls from XXXX or ever. They gave me COMPLETELY different information about " the process '' and without my permission CLOSED THE ENTIRE ACCOUNT so now I can't use it at all - and this is an account that I use frequently for personal and business so the 5 % discount is substantial. 
The way Synchrony handles this is absolutely shameful and absurd and can only be designed to make people give up by frustration - these practices should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported to the credit bureaus that I was late by 30 days on a payment. However, the car was traded in on XX/XX/2023. XXXX XXXX XXXX customer associate said they don't report to the bureaus until the XXXX or the XXXX of the next month. The car was longer in my possession after the XXXX of XXXX due to the fact the car was paid off by another dealer, who said I don't have to make anymore payments because it was traded in. 
They are reporting false information on my credit stating it was late when it was paid off from the dealer with a trade.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXXXXXX - {$700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX - {$400.00} XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX Bankruptcy - XXXX Also Known As : XXXXXXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal
Product: Credit reporting, credit repair services, or other personal consumer reports

I bank with USAA and have for years. When I check my XXXX  score under the VISA account they show a XXXX  score of XXXX. XXXX  for a very long time has reported my XXXX score as above 800, currently, XXXX. When I complained to USAA they told me that is what is reported by the credit agency, which would be XXXX. I wrote a XXXX  complaint and received a call from USAA that I have to take it up with XXXX. I called XXXX today XX/XX/2021 and I was told that they show XXXX score XXXX. I know that XXXX  uses XXXX XXXX and that is the only number or model that they use. USAA uses XXXX XXXX, which is not reported by XXXX. With a score of XXXX, I firmly believe that USAA under reports so that they can use a higher interest rate if I was to obtain a loan from USAA, which I am not. All three credit reporting agencies all show above 800 and I understand that they may be different and obtained differently, but if XXXX  only reports XXXX  XXXX and shows my score on their website as XXXX then USAA maybe under rating everyone that banks or obtains credit/loans with USAA. I believe it worth a Class Action.
Product: Credit reporting or other personal consumer reports

MOHELA recently updated a paid and closed account of mine with a new account number, which resulted in a significant drop in my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid down the balance of the XXXX XXXX credit card last month prior to the XX/XX/2018 reporting cycle via trans union. The balance of the account shout reflect {$3300.00} not {$8800.00} like its currently reporting. XXXX has the correct balance but not transunion. I tried resolving with XXXX XXXX with negative results.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX5 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

On XX/XX/year> I wrote XXXX, XXXX and Equifax about certain items on my reports. To this date, I have NOT received any updated reports from either of the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate information on my credit report multiple times. I have attached multiple documents to support the removal of the reporting inquiries. I have spoken with several people in the fraud department who assured the issue was resolved.
Product: Money transfer, virtual currency, or money service

The company CONST LLC also known as XXXXXXXX  and XXXX has suddenly shut down with no explanation to investors. 
CONST LLC ( XXXX ) is a platform that operates like a HELOC loan for peer to peer lenders to connect with cryptocurrency portfolio holders. XXXX holders are able to receive a USD cash loan by placing cryptocurrency as collateral for their loan. The loan is funded by a pool of money from USD cash investors. 
CONST LLC ( XXXX ) portrayed to investors that their platform was unique because the collateral from borrowers would autosell in the cryptomarket if prices fell bellow 110 % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. 
On XX/XX/XXXX the company went dark. They informed all website users XXXX XXXX ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I personally have {$36000.00} invested with the company. 
Their LLC business license number. California # XXXX Delaware XXXX : XXXX
Product: Checking or savings account

I submitted an application to Navy federal I was told to wait 15 business day for a reply. This was back in XX/XX/XXXX. I called in XXXX to check my status of my approval. I was told I had to send in an appeal. I went to my local branch where a representative contacted customer service to advise the information. Then rep was then told I had to submit an appeal. I submitted an appeal on XX/XX/XXXX. I waited 15 business days. I called on XX/XX/XXXX to see if my appeal was received I was advised no, I had to resubmit the information. I resubmitted the documents via email on XX/XX/XXXX. I called again on XX/XX/XXXX. I was told by a representative, my application was denied due to fraud. I told the rep, it was not fraud it was myself. I submitted some incorrect information which is why, I was told to submit an appeal. I asked to speak with a manager to have this escalated. I was advised by a customer service manager, " if I want this account open I have to continue to wait '' then I was disconnected on. I asked the manager was this the process Navy Federal takes in regards approving a veteran for an account. The manager refused to answer my question, then disconnected. Because I do not have an account yet established with Navy Federal I was not able to get the manager 's name. I'm sure its recorded. In which it defiantly need to be reviewed. The manager I spoke with was rude, unprofessional, and showed lack of empathy. I felt like I was bothering her, just trying to get my questions answered. Why ... why hasn't this been taken care of ... .. I was told its sitting in a queue that hasn't been worked yet. So the queue hasn't been worked for going on 3 months??? I highly doubt that!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} U S DEPT OF ED/XXXX XXXX XXXX XXXX {$0.00} U S DEPT OF ED/XXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$920.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$7100.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo seems to find more fraudulent tactics than possible. I deny that I own Wells Fargo one cent as they are falsely claiming on my credit card. 

I ask that the federal FTC get involved, as Wells Fargo is totally destroying my life. They falsify claims of owing them when they mishandled credits due, are most dishonest in their responses, mislead in their responses, and destroy individuals with any devious means which they can create. 

I intend to file a comprehensive and complete complaint against them later today. They must go under investigation for the way they have neglected to handle proper complaints, lying their way out of taking care of them now and creating tactics that destroy a person 's life and their credit. 

I seek, in the meanwhile, that Wells Fargo place my account on hold and remove the derogatory status of 30 days past due until we resolve all of the fraud in which they have partaken. This will require legal handling. 

I have asked Wells Fargo to provide dates and listings of all of the Interest Charges to my account and they have refused to do so. 

I filed only a few of the complaints with Wells Fargo and the large credits were due to my credit card last XXXX. Many more exist which have not even yet been filed. 
They postponed handling for months and created fictitious responses which must be addressed. 

I am XXXX and ill and have been unable to attend to this. 

The last issue I raised with Wells Fargo was that they were not reporting my payments since last XXXX and just put closed account instead of showing payments made. They responded back with the same misleading and creative disregard for their actions. They failed to even address the actual issue as has frequently been the case with WF. Now, they post 30 days past due when they refused to post payments since last XXXX. In XXXX I paid nearly XXXX dollars and XXXX dollars the next three months. I then was finally allowed a plan to pay XXXX month and paid that over the next several months. W refused to show my payments. Yet, now they show 30 days past due. 

Another issue is that when I filed my last complaint, WF told the cfpb that they credited the XXXX interest charge of XXXX plus dollars. They mislead constantly to cover their illegalities. WF did credit the amount one day and the next day they charged about the same amount of interest to the account.

The other issues with WF are even more serious and will be forwarded. I also intend to file this with the FTC as WF has been getting by with murder and robbing from me.

They have failed to return {$14000.00}. dollars IU was misled and had removed due to fraud with a person getting into my account. Wf tried to mislead the cfpb by saying it was not due to online fraud in my account which it certainly was due to online fraud getting into my accounts. The police and FBI state WF should reimburse me, yet they failed to do so.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX 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, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm also doing this on my own. XXXX XXXX XXXX XXXX, XXXX { XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because Equifax has ignored my request to provide me with the documents that their company has filed that were used to verify the accounts I disputed.

They have also gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. 

Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this as it is hurting my overall credit willingness. 

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

In XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX Imports in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XX/XX/XXXX I got a letter that my vehicle loan had been purchased by XXXX and that 's when the problems started with XXXX. If I was late with payments, XXXX called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XX/XX/XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end ofXX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to XXXX to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. XXXX wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you
Product: Student loan

Request for Student Loan Dismissal Due to Data Breach Violation Dear XXXXXXXX XXXX XXXX  I am writing to formally request the dismissal of my student loans serviced by MOHELA due to a significant data breach that has compromised my personal and financial information. As a borrower, I entrusted MOHELA with the security of my sensitive data, and their failure to protect this information has resulted in a violation of my rights and financial well-being. 

Upon learning of this breach, I have taken necessary steps to safeguard my identity and financial security, including monitoring my credit and reporting the issue to the relevant authorities. However, this breach has caused irreparable harm, and I believe that I should not be held accountable for loans managed by an entity that has failed in its duty to secure my information. 

I request clarification and immediate action on the following : Confirmation of the Breach : Please provide official documentation regarding the extent and impact of the data breach involving my student loan records. 

Dismissal of My Loans : Given the violation of my privacy rights, I request that my loans be dismissed as MOHELA has breached its contractual and ethical obligation to protect borrower information. 

Protective Measures : I seek assurance that further steps will be taken to prevent future breaches and that impacted borrowers are provided with appropriate remedies. 

Legal Justification : If my loans can not be dismissed immediately, I request a detailed explanation, citing federal regulations, as to why borrowers impacted by MOHELAs negligence are still required to repay their loans. 

This breach has caused me significant stress, financial insecurity, and has violated my trust in the federal student loan system. As a borrower, I should not be penalized for the servicers failure to uphold its responsibilities. 

I expect a thorough review of my request and a written response within [ reasonable timeframe, e.g., 14 days ] from the date of this letter. If this matter is not addressed appropriately, I will escalate my concerns to additional regulatory agencies and pursue further legal remedies. 

Thank you for your immediate attention to this serious matter.
Product: Debt collection

This debt collector called me and left me a detailed voicemail trying to get ahold of my brother. The detailed voice message discussed a debt he had with XXXX XXXX and to call them back immediately to set up a payment plan for the owed debt. It is my understanding this practice is illegal and a debt collector may not contact family members to discuss a debt or give details about it only to locate my family member and call once. In this case, the debt collector had divulged the details of my brothers debt and who it was owed to.