23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have complained about these account before and I never received any correspondence. please verify the following account or delete them XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. i have been patient and it has been long than 30 days and I still have not heard back anything! If it is determined through your investigation that the disputed items are inaccurate, please update my creditfile and send me notification that the information has been updated or deleted. According to the provisions of 612 [ 15 USC .1681j ], there should be no fees and I need this asap.
Product: Debt collection

I took out a payday loan a while back and I must say, I was not in my right mind set. I lost a family member and I was XXXX XXXX  I applied for a {$600.00} pay day loan from a XXXX XXXX Loan outfit called " Big Picture Loans ''. The APR is outrageous -- it is over 650 %. The total that would be paid is over {$3500.00}. I have had some money taken out of my checking account. I have attached the agreement. I was wondering if this is legal? I have also had another XXXX XXXX Loan outfit called XXXX XXXX XXXX. I will be doing a complaint about them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I sent letter to credit Bureau XXXX, Trans Union, And XXXX By LAW My name is XXXX XXXX XXXX on there Report states XXXX XXXX XXXX That is not my Legal Name they refuse to remove from my report also XXXX XXXX XXXX XXXX XXXX refuses by law to remove the false information on my report They have no proof these accounts belong to me and two accounts that are vehicles that I do not pocess please assist me in this matter
Product: Debt collection

I have repeatedly disputed an account listed on my credit report as not being my account. I have submitted numerous requests to RS Clark for validation of the debt and have not received validation. This is a collection account for an apartment complex. I have never entered into a lease with this apartment complex and I have asked RS Clark to see a copy of the lease I allegedly signed. They have not been able to produce said lease in almost a year of communicating with them. In fact, RS Clark has recently closed this account because they recognize they can not validate it. However, the account needs to be removed and not just simply closed. Please remove the invalidated debt or I will have no choice but to file a complaint with the Federal Trade Commission. Thank you.
Product: Credit reporting or other personal consumer reports

The company indicated on XX/XX/2023 that the information was removed and it is showing with a social security number that is not mine. I have reported this to the credit bureau and it is under investigations. I am requesting this error to be removed from my credit file immediately as indicated by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, XXXX, XXXX, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX
Product: Debt collection

So I paid GC services in full for a traffic ticket in XXXX 2015 due to an error ( court changes ) in long beach courthouse they were telling me I still owe XXXX $ after many attempts in person and over the phone to get the paid debt removed it 's still has shown up keeping me from getting a license in the past. They also agree and gave me proof that I paid but it is still showing up online and at the dmv.
Product: Checking or savings account

On XX/XX/XXXX I made a mobile deposit of {$7000.00} to my account that I received from my parents as a gift. On XX/XX/XXXX my account was frozen, I could no longer use my debit card, make withdrawals or make a deposit to pay my bills. I couldnt even sign in to view my account online. They froze my account while the deposit was pending. As Im writing this on XX/XX/XXXX, I still cant do any of those things. 

I called customer care XX/XX/XXXX and spoke to a lady named XXXX, I have her identification # as well. She told me that all o have to do to access my funds and account is to go in to a branch and speak with them. So I took off work early and wasted about 2 hours going there. Then I am told that they cant do anything. I am now accruing late fees for my bills and mortgage because I cant make a deposit to pay my bills. Along with negative marks on my credit and non stop stress affecting my work trying to get this figured out. They have done nothing to help in this process.
Product: Debt collection

XX/XX/2023, National Credit placed a collection on my credit reports after the Original Creditor XXXX XXXX had charged off the account. I was never aware of a new open collection on my credit reports until I was denied credit. I found out that National Credit had bought the debt and never notified me of the facts. I sent a certified letter to the letting them know of their violation and to remove their collection account off my credit reports. But to date I got no reply and the collection account remains on my reports.
Product: Credit reporting or other personal consumer reports

Transunion has failed to provide the information requested in previous disputes to verify the ACCOUNT- XXXX XXXX XXXX and provide their method of verifying the account information. 

XXXX XXXX- XXXX is reporting inconsistent open dates across all three credit bureaus ( XXXX, XXXX XXXX and Transunion ) so how was the information properly verified?
Product: Mortgage

I attempted to go through bankruptcy..It was dismissed because I did not show up to creditors meeting. the reason for this was my sister died suddenly on mothers day this year. the meeting was to be held on XX/XX/XXXX... I was completely heart broken over this. She was my last surviving sibling and helping me navigate dr. visits for treatment of XXXX XXXX. By this time I had used my two adjournments to delay sheriffs sale. Very lats I learned of a possible adjournment could be granted by applying for XXXX. I did apply and filed a motion with court to ask for postponement while my application was reviewed. I found out this morning the judge denied my request because I did not send copies to my ex. husband..divorce in XXXX and to another creditor for medical. I am so broken over this. I am XXXX XXXX XXXX with a mortgage balance of XXXX which now totals XXXX because of legal fees. I have worked and paid taxes for over 40 years. I have never asked for any government assistance. I am at a loss as to what will happen to my XXXX cats..I have lived here since XXXX and became sick with covid..and never attempted to apply for relief for lost wages. I feel the judge has been unfair. I will never be able to buy another home.
Product: Vehicle loan or lease

I had paid off loan successfully for the full loan amount. 
In my credit report it states that Santander USA reported that the amount was charged off and was paid for less then remaining balance. 
Also my payments were 70 % on time or early in my report it states only 30 % was on time payments. 
Santander USA was sued by 34 attorney generals for violating consumer protection laws and had to pay {$550.00} XXXX dollars resulting from the law suit.
Product: Credit reporting or other personal consumer reports

I disputed accounts and addresses on my credit report and I have not received any response after XXXX  months of waiting. There is student loan, credit card and addresses that do not belong to me.
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 : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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

Hi, the erroneous information you keep reporting on my credit has already been deleted by both XXXX and XXXX and were blocked from reporting said information, so I don't know why you keep reporting these errors on my credit this is extremely stressing me out. I have contacted Equifax and a representative confirmed to me that they are already deleted from my credit report but I still see it which is super frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 I SENT THE ALLEGED CREDITOR AND CREDIT REPORTING AGENCY NOTIFICATIONS IN REFRENCE TO ACCOUNT # XXXX ALEEGED CREDITOR NAME : XXXX XXXX XXXX. THE ALLEGED CREDITOR HAS FAILED TO RESPOND TO MY NOTIFICATION THAT WAS SENT 30+ DAYS ALLEGED CREDITOR WAS MORE THEN THE TIME ALLOWED TO PROVIDE PROOF OF ALLEGED ALLIGATION, AND COMPLIANCE. THE ALLEGED CREDITOR XXXX XXXX XXXX HAS YET TO REPLY. THE ALLEGED CREDITOR AND CREDIT REPORTING AGENCIES IS IN VIOLATION OF MY STATE AND FEDERAL LAWS. PLEASE DELTE IMMEDIATELY THIS UNVERFIED ACCOUNT THAT IS CONTINUING TO BE INJURIOUS TO ME. ATTACHED IS A COPY OF THE LETTER SENT TO CREDITOR AND CONFIRMATION OF SUCEEFUL DELIVARY OF MY NOTIFICATION
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN Report number XXXX despite all the all the evidence Ive submitted experian still reporting this identity theft accounts on my consumer report not only that this account don't belong to me but this account is also inaccurate the company failed to do a complete investigation on this matter experian sent me a dispute resulted that stated " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I would like a copy of the Permissible purposes certification that the FAIR CREDIT REPORTING ACT require Experian The CRA 's before reporting on the consumer report, XXXX  XXXX XXXX  # XXXX PHONE # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  # XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX CASE NUMBER # XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Transaction happened throughout the years some I don't have records for bank doesn't shows it. The amount was in the $ XXXX almost to {$1000.00}. This happened when XXXX was first launched.
Product: Bank account or service

I am writing to the CFPB with the hope something could be done to persuade Bank of America to consider our claim of fraud and reimburse us the money that was stolen from us. XXXX fraudulent checks were written on a Bank of America checking account that my twin sister and I share jointly. We are the only ones that have access to this account and share XXXX checkbook. This account had an average of XXXX checks written on it per month totaling to an amount of a XXXX dollars. For XXXX consecutive days in XXXX 2015, XXXX separate fraudulent checks withdrew large amounts of money out of this checking account totaling {$6600.00}! We were never alerted to this activity and it was not noticed until XXXX XXXX, 2015 when I was reviewing our transactions. I immediately contacted the Fraud Dept for Bank of America and was reassured that once fraud was proven we would be reimbursed what was taken. Apparently, that was not true as our claim was denied because the fraud was not brought to the bank 's attention within 60 days of the incident. The bank does not claim any responsibility for noticing this unusual and criminal behavior. We were told that it was entirely the customer 's responsibility to be diligently aware of what was happening with their account. And usually I was very diligent in that regard. I would look over our transactions on a monthly basis for budget purposes. The 60 days following the fraud were the busiest 60 days of our lives. We were making a major life change at that time. We sold a house, we bought a house, we moved to a new city, we were working at a new job, and we were also taking care of our elderly mother. My usual practice of reviewing our bank account was delayed. The Fraud Dept ask me to write a letter explaining our circumstances and maybe an exception will be given to us. I have initiated XXXX requests for the agent to contact me, but have yet to hear from him. Bank of America advertises to its customers that they are on the look out for suspicious activity that may be fraudulent and that we need to keep contact information updated in order for them to let us know. Why are then we held responsible? We are devastated by this financial loss and the complete lack of support from our bank. Please help us if you can. Thank you.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Case Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I Am disputing a. debt collection related to a rental property that had been inaccurately reported. The debt in question was Fraudulent .The Account was Opened on XX/XX/XXXX Under the company National. Credit. Systems. Stated That the original creditor was " PARK AT XXXX  XXXX XXXX. In the amount of {$5600.00}. Which is Inaccurate Because I Moved Out In XXXX Of XXXX. My House Was Broken Into and All. My Personal Information Was Exposed. I Have contacted The Agency, but they Failed to correct the issue.
Product: Debt collection

I took out a loan about 2 month ago my hours at work have been cut and I asked them to hold off on contacting me until I could get paid, they have called my work 4 time and today was the last call to the employer and 3 time in the past 2 weeks, my boss at work has told them to stop calling and the company has no time to be answering call for employees that owe debt, I have asked them for the fourth time to stop contacting me but there has been 3 call a day and at least once a week to my employer. They are also ver rude and very unprofessional when calling I did call saying they will sue me and garnish my wages if I dont pay to me thats threading gentry finance could do much better
Product: Credit reporting or other personal consumer reports

A fraudulent account is repeatedly reported on my credit file. This account has been deleted but continues to return showing varying balances. 

I am writing to formally dispute and demand the immediate removal of the fraudulent account from my credit report due to identity theft. This account was opened without my consent, and I am invoking my rights under Fair Credit Reporting Act ( FCRA ) to have this account removed within XXXX days. I am also writing to formally notify you that I am aXX/XX/XXXXand request the immediate blocking and deletion this fraudulent account or information related to the identity theft, as authorized by 15U.S.C 1681C-2 ( a ). I became aware of the breach of my personal information through the XXXX XX/XX/XXXX, which has exposed my personal and sensitive data to unauthorized individuals. The fraudulent account is listed here - XXXX -XX/XX/XXXX XXXX XXXX - Date Opened - XX/XX/year>
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA on XX/XX/2021 via e-mail.

According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by The Goldman Sachs Group Inc d/b/a Goldman Sachs Bank USA adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA is now civilly liable to pay me for the damages.

REMEDY Grant me an open-end credit plan with your company or pay me {$5000.00} for damages.
Product: Bank account or service

my name is XXXX XXXX XXXX XXXX im XXXX person XXXX supplment secuity and socail secuity payments account with bank america XXXX routing number XXXX for payment XX/XX/2017 ssi and socail secuity XXXX asme account my socail secuity adriminartion inpute account above payments account person renting motel room left XXXX were XXXX jumping trains without fare paid geting tickects need to go to room rest XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX want cfpb contact bank america of my senstive information related this matter summitted your cfpb
Product: Mortgage

On XXXX I caller my Mortage lender LakeView Mortage and requested that they stop PMI payments since the loan at 64 % paid off. They informed me that they couldn't cancel and they wouldn't for the life of the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX  XXXX and Trans Union regarding old car loans that are eight years old and over and another one thats almost 6 years old almost 7 that are no longer open with credit acceptance. None of these agencies have bothered to close the accounts I have contacted them multiple times as well. Consequently I can not do anything and my credit score is abysmal.
Product: Credit card or prepaid card

Bank of America charged me {$39.00} for late payment last month BUT I paid on time in person at its branch in XXXX, New Jersey! Seems Bank of America is trying to squeeze me for a late fee not deserved by it! Dishonest or incompetent!
Product: Debt collection

We initially hired XXXX for what was supposed to be a 90-day project, but it escalated into a nearly two-year ordeal. The company failed to follow instructions, misrepresented its qualifications in high-end design, and produced work that was subpar and amateurish. Despite exchanging over XXXX emails, the situation remained unresolved. 

I gave them a final 10-day notice to deliver a quality finished project as initially promised, or we would cancel the project without further obligations on our part. Early into the project, they admitted to being unable to work with the API and struggled for months, draining all passion from the project. They made unauthorized changes to the design and backend technologies, compounding the issues. 

Their continued marketing communications claim satisfaction with a project that was never completed, and now they are seeking payment for unfulfilled services, constituting a breach of contract. The project manager eventually agreed to terminate the project due to their inability to fulfill their promises. This was mutual. 

In my view, this company 's behavior borders on fraud. We have formally reported them to the XXXX  Government for a misleading sales contract and failure to deliver, with XXXX and XXXX now involved on our behalf. I would also like to point out they hired Davis & Jones , LLC, and in their emails, it is an unethical process. 

From XXXX XXXX, XXXX Litigation Coordinator " It would appear that our client was defrauded deliberately. Has this company thought this through, are you confident that commercial collection law does not allow for suits, liens, or judgments? I'm almost confident that our client wants us to look into the best course of action and make our recommendations as such. I know this because i received an Email from them asking what the best course would be because they want this off their books and in their Bank. We may start calling your other creditors, vendors and Doners to determine your ability to pay this debt. We may also recommend to our client that we outsource this case to our network of partner law firms, which could potentially double the amount owed. '' They are free to pursue any claims, but they should be aware that their chances of success are slim given their repeated breaches of contract and admitted write-off. In the XXXX min XXXX sec, on Thu, XX/XX/year>, XXXXXXXX XXXX, with XXXX, he agreed on the recorded call to close the matter and wouldn't contact us further for this amount.
Product: Debt collection

Hello My name is XXXX XXXX There is a debt collection under I C System for {$1300.00}. This is for a hospital bill at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This was during a car accident which I had a lawyer and XXXX the case. All bill were paid through the lawyer and the insurance given. I was not in charge of any medical bills for any of my visits to the hospital nor XXXX. I also have the break down of the bills and payment distributions from the attorney. 

This bill is for the below attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All communications and billing were handled through this lawyer.
Product: Credit reporting or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$5700.00} XXXX XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXXXX/XX/XXXX