23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian : Recently checking my credit report I noticed that I've been a victim of identify theft and have found numerous accounts and inquires that I have no knowledge of here is a a list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I Please Remove These Accounts, Collections And inquires From My Credit Report.
Product: Vehicle loan or lease

This lease or car loan from Santander has been totaled out from my insurance company fr auto thief and the balance showing is not correct. XXXX has paid over XXXX for the total lose of the vehicle. I've contacted Santander and XXXX and someone is stopping the payment from going thru. im unable to contact the claims department or supervisors to have my account updated and paid off. ive got emails asking to dousing the total lose claim for Santander from XXXX and every time I sign itit comes back as an error message and im not able to reach anyone in the claims department on my claim with XXXX or Santander. Can CFPB please investigate this. I just want this balance corrected and off my credit and reflecting the correct balance
Product: Checking or savings account

I tried to open up a bank account with serval banks and they all are denying me. I dont understand why. And i already mad a police report that my wallet was stolen from a grocery store. So Im still not understanding why I cant make any new accounts. And every time they denied me they say they gone email me documents on why they did but they never email me the documents or tell me why I keep getting denied. Im just trying to open up a bank account before I start work next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

This my third attempt with this company National Credit Systems. Im reaching out again being that they are reporting inaccurate information on my credit report Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my my address, but a request for VALIDATION made to pursuant to the above- named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has yet to remove a account that is not my account
Product: Checking or savings account

I have been trying to deal with XXXX XXXX XXXX  and their conversation to US Bank and US Bank has refused to provide me any information on my account. I have tried calling, emailing, sending XXXX messages, and asking for a manager and have reached out to their regulator and still have received nothing about my account. I fear that as a XXXX minority that I am being ignored. 

I have been told that to get any information on my account I have to drive from the XXXX NY area to a physical branch. I have requested paper copies of the disclosure and the account information that they have told me they would provide. They have to date refused to provide me with any disclosures on my account as apparently they are required to provide according to XXXX XXXX XXXX I have called them over a dozen times and they have not helped me. I have reached out to you and all you do is forward me a copy of a letter telling me to contact them. As a XXXX minority who lives several hundred miles away from a US Bank Branch it is hard for me to get to a branch and I simply have asked for a reasonable accommodation to obtain information about an account I was never told would be transferred to US Bank. I fear that this is some unfair sales practice designed to steal my money. 

Please help me find my stolen money. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received the disclosure that was mailed to me on XX/XX/year>, yet it still does not contain my XXXX consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

Ad XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX  XXXX XXXX XXXX XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax, XXXX  & XXXX  to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. 

I have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). 

I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! 

The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified.

I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. 

I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.
Product: Debt collection

I NEVER DID THIS. AND I'VE CONTACTED THEM AND XXXX AND THEY WON'T STOP MAKING THREATING PHONE CALLS..XXXX THREATENED TO BURN DOWN MY PLACE SAYS THEY DON'T CARE ABOUT IDENTITY THEFTED... I was paying this now r with my life. 
ATTACHED IS IDENTITY THEFTED LETTER TO THEM. NOT CARING THEY SAID..I WILL PAY R I WILL PAY WITH MY LIFE... THEY THREATENED TO HURT ME THE XXXX...
Product: Student loan

On XXXX/XXXX/XXXX, I accessed my account to to make sure that I did not need to submit paperwork regarding my student loan interest in anticipation of filing my taxes in XXXX. I noticed that my loan balances had been increasing every month for several months, and then I noticed that my account was in deferment. After checking my statements, I noted that my account was put in deferment in XXXX XXXX. I neither authorized nor wanted this deferment. My loans were close to being paid off when I last checked my balances in XXXX XXXX, and I looked forward to being relieved of this debt before I graduate from XXXX XXXX with new loan balances to pay in XXXX XXXX. 

My account for these loans has been on auto-payment for a long time, before Discover purchased my loans from XXXX in XXXX. I had no reason to think that my payments were not being deducted as instructed. I received no notice that my account was put into deferment, nor was it requested. The only notice that I received from Discover in XXXX XXXX was an indication that my interest rate had increased, which I attributed to the increase in federal rates. My interest rate was at 3.5 % for two loans and 3.25 % for one other at the time the deferment was instituted. Now, my interest rates are 3.75 % for two, and 3.5 % for the other.

I called Discover for an explanation on XXXX/XXXX/XXXX. Discover 's representative told me that Discover had a company-wide issue with this and had been resolving the cases as they came up. He advised me that several accounts had a " box '' checked on their applications indicating that their account should automatically move to deferment status if Discover is made aware that the customer is in school. I never notified Discover that I was in school, because it was never my intention to defer these loans. Furthermore, I do not recall ever checking a box for this option. The Discover rep moved my account out of deferment and told me that my next auto-payment would be XXXX/XXXX/XXXX. However, this does not resolve the issue that, had Discover not put my account into an unauthorized deferment, my account would have been basically paid off by XXXX XXXX. Also, some of my payments would have been at a lower interest rate. Now, I will be paying for these loans up to my graduation, at a higher interest rate. I asked Discover for remuneration for the inconvenience and increased interest rate and was told that none was currently available for customers, like me, who were affected by Discover 's error.

I contact CFPB today, because Discover indicated that this was an issue that affected many with student loans owned by Discover. Though my loans balances are low, and the amount of additional interest that I will end up paying will be small, other customers have larger loans balances, which will result in a larger payout to Discover in the long run. It is patently unjust that Discover should profit from their mistake. Furthermore, since the error was on the part of Discover, Discover has the responsibility to rectify the error and actively contact any and all customers affected, rather than the other way around.
Product: Credit reporting or other personal consumer reports

I have submitted multiple complaints to XXXX, XXXX, and Experian. I have not received the results of the investigations. Nothing has been mailed to my address provided. I have attached my dispute letters. I am hoping the CFPB can provide oversight to the bureaus to ensure my credit report it fixed.
Product: Debt collection

Got a call from a XXXX XXXX who said he is calling on behalf of One Advantage LLC for Account # XXXX. He said I have to take care of this business matter today or they will proceed to take further legal actions and will file a motion to garnishment against my check within the next 24 hours if the matter has not been resolved. The person that called me had a XXXX accent and was very rude. He said the amount was for XXXX.
Product: Mortgage

My wife XXXX children and I live at this address for some XXXX years, all was ok until about XX/XX/XXXX when both my wife and mother got sick, mom dead my wife in ICU, XX/XX/XXXX I lost my job, I did let GMAC know all what was going on with us before this XX/XX/XXXX when they hope to give me a XXXX absence, we ask for a modification many times I am told no, ask for a hamp/mod the answer is that the lender said no, My and I are both working more than XXXX months now and we can pay a reasonable mortgage, even though the value is very much lower. The loan # XXXX ( Hard ship was Death, sick, and job Lost XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

collection agency : XXXX XXXX is a fraudulent account that is reporting on my Equifax credit report. 
Collection amount : {$150.00} assigned date:XXXX statue date XX/XX/22
Product: Mortgage

XXXX   XXXX   XXXX   filing this complaint to defend my property from  Bank of America wrongfully  invading my privacy my violating the  Gramm-Leach Bliley Act  for sharing my information to non-affiliate third party. I have unsuccessfully try to refinance because of unauthorized credit inquires and the unfair credit reporting on my credit file. I feel like B ank of America h as truly discriminate against for failure to offer me an affordable modification. Im reaching out to the  Consumer Finance Protection for me  to obtain equal justice a nd Due Proce ss. During my continuous research into my loan I have discovered that my loan was sold more than five-times over its life time. Without my knowledge which means many unknown person has unauthorized use of my information.  Bank of America  file for foreclosure on   XXXX   claiming I breach my contract for non-payment, when in fact they breached my contract when they sold my loan on  Wall Street wit hout my permission and allowed everyone to see my personal information. In  XXXX , I close an instrument with    XXXX   XXXX   XXXX  .  in   XXXX   my loan was assign over to  CountryWide Home  Loans. My hardship started around   XXXX   I started reaching out to  Countrywide Home Loans to make  arrangements on my loan. During this time, I had no idea What really happen to my loan until now therefore, I was unable to address these issues earlier.   I will be reaching out to other government agency in order to save my home from foreclosure
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. I was going through my records & noticed that some items which do not belong to me were still in my credit report. Since Im a stickler for research, that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
Experian : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed XXXX {$19000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXXXXXX XXXX XXXX Owed : {$95.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Owed : {$180.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ======XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against ChexSystems , Inc. regarding inaccurate reporting on my consumer report. I have a closed account labeled as " ACCOUNT ABUSE '' with a balance of {$0.00}. Despite my efforts to dispute this entry, ChexSystems has failed to provide sufficient documentation to prove that this account is mine. 

I believe that ChexSystems is violating my rights under the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies ensure maximum accuracy in their reports. Additionally, their lack of response to my requests for verification violates the Consumer Financial Protection Act, which mandates that consumers have access to accurate information and the right to dispute inaccuracies. 

I have made multiple requests to ChexSystems for the following documentation : Verification that I opened the account in question. 
Any transaction history related to the account. 
Evidence supporting the claim of " ACCOUNT ABUSE. '' To date, I have not received any of this information, nor has the inaccurate entry been removed from my report. This situation is causing significant distress and may negatively impact my ability to open new banking accounts. 

I kindly request that the CFPB investigate this matter and assist in resolving the inaccuracies reported by ChexSystems. I appreciate your attention to this issue and look forward to your response. 

Thank you for your help.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I placed an order with XXXX  for winter tires for {$2000.00} using Financing through Affirm.com. Two days later a rep for XXXX called me by phone and told me the item was on backorder, there was no ETA on stock, he recommended that I cancel the order. So per his request I went on their webpage submitted a request for cancellation. I even received a email, confirming they received my cancellation request. 

I contacted Affirm to tell them the item will be cancelled, but time went by and the item was never cancelled so I contacted Affirm again and this time I filed a dispute, that I never received my product nor did the company cancel the order as requested, so I submitted all the evidence of proof, that the company received my request for cancellation, also email and even call log, to show that I was in contact with the merchant. Affirm said they would contact XXXX and resolve the issue in 15 days. 

XX/XX/XXXX I get notified that the dispute was resolved but not in my favor and that I am responsible for the loan even though I never got my product. They want me to pay for an item that was never shipped. The evidence even showed the status still says " XXXX XXXX for Process '' meaning nothing has been shipped or delivered to me. I called Affirm and a rep could not give me a clear reason why I didn't win the dispute despite the fact that XXXX never shipped the item. 

It has been 1 month since I placed my order and I still have not received my purchase nor has XXXX cancelled the order. Yet Affirm still has not taken care of this issue. As a customer this is very troubling. How can I be held liable for a loan when the merchant never fulfilled the order or shipped it. I should not have to file another report when I have not received my order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to BOTH credit bureaus- XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. Neither bureau is showing a closed date. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$790.00}