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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have been trying to work with each of the companies listed and they have been unwilling to respond or advise as to why they are reporting information that is false or Fraud on my credit report. I have sent them copies of all my ID and social security numbers and the police reports and the Identity theft report from the Federal Trade Commission and they still have not been removed for responding to my request. I am asking that you aid me in having them correct this information by removing and blocking the information from my credit report as stated in section 1681c2. Block of information resulting from identity theft of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES. 
I have also requested that they send me updated copies of my credit report and they have not done so. 

Not my Account XXXX XXXX ( this account is due to Identity Theft never my account ) Account XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Never late XXXXXXXX XXXX XXXX XXXXever late XXXX XXXX XXXX Not my account XXXX XXXX XXXX ( this account is due to Identity Theft never my account ) XXXX
Product: Credit card or prepaid card

I have a citicard and in XX/XX/2021 we had to evacuate for Hurricane Ida. I was spammed somehow in the process of making a hotel reservation and was double charged. Immediately called the hotel and they canceled the reservation. We ended getting our power restored and did not need the hotel. I called and they confirmed both reservations were cancelled with no cancellation fee. I have documentation to prove this. Well The company that initially charged me XXXX XXXX XXXX TX has refused to refund the charge. I have proof that everything was canceled with no fee and have provided that proof. Also have an issue with the fact that Citicard says that I can go view the documents in my statement and notices and there is no document there to explain why I am responsible.
Product: Checking or savings account

So I had a account with Bank of America and I started getting tons of charges from online gambling site that I used a long time ago. I notified the gambling site that the charges weren't made by me or my account with them but was ignored so I went to BOFA for help showed them the evidence and they temporarily credited me back. But then all of a sudden took all my money again. And wouldn't even tell me what they found in the investigation all. I told them and showed them the proof that there were many people who experienced the same thing as i did from the XXXX website. And that the account charging me wasn't even in my name or in my country. To add to that I was getting charges from XXXX XXXX also unauthorized got the same bs again. They ignored me and that's how I lost thousands of dollars.
Product: Student loan

I am filing complaints against my loan servicer XXXX  regarding the following issues : There is lack of clarity on the qualifications of public loan forgiveness. I signed up for public loan forgiveness, which was completed by my employer, XX/XX/XXXX. However, I didnt get a response from my servicer, XXXX, as my loan consolidation did not get approved until XX/XX/XXXX. When I received the approval letter from XXXX in XX/XX/XXXX, the letter stated that I had zero qualifying PLF payments. As a result, I interpreted this as a rejection letter because I had been working there since XXXX and made timely payments. In hindsight I realized that the starting period for PLF actually started XX/XX/XXXX because that is when my loan consolidation was approved. Moreover, I didnt know that the PLF certification form was to be submitted to verify qualifying payments retrospectively. Because of this fear that I wasnt on public loan forgiveness, I started to pay more per month than the designated IBR amount. Having doubts, in XX/XX/XXXX, I called XXXX to verify my public loan forgiveness, and they stated that I actually qualify for it. Because of this, I had requested the previous additional monthly loan payments to be re-issued back to me, so that my previous payments would qualify for public loan forgiveness. During this time, I had requested that the previous loan payments, now with IBR amount to be considered as qualifying PLF payments. 
I again contacted XXXX in XX/XX/XXXX requesting that the previous payments, now with the designated IBR amount, to be considered for public loan forgiveness qualifications, but it has been almost three years and I have not heard anything from them. I have routinely called them quarterly and I continue to get a response stating it is still being evaluated. 

There are two issues I would like to resolve : 1. I am inquiring if my previous payments from XX/XX/XXXX to XX/XX/XXXX to be qualified for public loan forgiveness payments. 
2. I am requesting a timely response to the above issues as I have been waiting for almost three years now for a solution. 

Please help me expedite and clarify my above situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : MEDICAL XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These Affirm loans are Fraudulent. 
Apparently, someone has gotten hold of my personal information and gotten loans in my name. 
On XX/XX/XXXX, I ordered you to CEASE and DESIST reporting to my XXXX Credit Report. You reported again this month. You have broken the law! This is violating my consumer rights & punishable by fines. 
I am ordering you a SECOND CEASE and DESIST, effective IMMEDIATELY! Do NOT REPORT ANYTHING TO MY CREDIT REPORTS EVER AGAIN. 
I also attached a letter from the US Marshall Service for Cyber Security, PROVING that on XX/XX/, my personal information was identified and found to be compromised. My email address was also found on the dark web. This was before you reported this alleged debt. I also had a fraud alert placed on all my credit reports, before you reported this alleged debt. 
I filed an XXXX Dispute and a Dispute with CFPB. I asked, but You provided Zero dated and signed documentation of a loan application nor a dated and signed loan origination form nor the ORIGINAL PURCHASE AGREEMENT, with ALL terms and conditions, PROVING I OWN this alleged debt.Therefore you have ZERO proof that I own this alleged debt. 
You have NEVER provided ANY document with my WET SIGNATURE ON IT. A TYPED LETTER FROM YOUR COMPANY IS NOT Debt Validation NOR is it A LEGALLY, BINDING Loan Agreement, Nor is it an ORIGINAL PURCHASE AGREEMENT. 
I am ordering you to remove ALL accounts from my credit report, IMMEDIATELY & PERMANENTLY. I will not pay these debts. Your cooperation is bound by law and greatly appreciated. This is my FINAL attempt to resolve these fraudulent accounts with you, before taking legal action.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report. Even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$770.00} In accordance with the : Fair Credit Reporting Act, Public law 91-506, Title VI, Section611, SubsectionA-D.

Please provide the names and business titles of each individual with whom you verify the above crucial information with, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

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

I sent TransUnion via certified mail my first letter dated XX/XX/2023, which they signed XX/XX/2023. I stated to them that I checked my consumer report and found inquiries that I did not authorize on my report. I stated the following in my letter : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

After no response I sent my XXXX letter dated XX/XX/2023 via certified mail, which they signed for XX/XX/2023. I again reported the unauthorized and fraudulent credit inquiries and requested they delete them. I also attached my DL, SS card and proof of residence to provide proof of my identity. After 60 days they neither marked the accounts as disputed or sent a reply to my residence that I provided. This is in direct violation of federal and state law as I, the consumer am allowed to dispute all errors on my consumer report and they have failed to investigate or respond to my certified letters as required by law.
Product: Debt collection

This company is attempting to collect a debt from me that is not mine.
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. 

Account Name : US Bkpt. Ct. XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX Account # XXXX, Account Name : XXXX Account # XXXX Account XXXX XXXX XXXX Funding Account # XXXX, Account Name : XXXX Funding Account # XXXX, Account Name : XXXX XXXX Fin Account # XXXX Account # XXXX XXXX Associates Account # XXXX Account Name : XXXX XXXX XXXX Account # 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 : 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

Could you eliminate these inquiries? I lack knowledge about this, and the company went ahead without my consent.
Product: Debt collection

On our around XX/XX/XXXX WellFargo took my car. I sent a complaint to the bureau earlier this year because according my records the debts were paid. I also sent in an FTC identity fraud complaint against the company. During the months of XXXX my car was impounded, Wells Fargo contacted the pound while my case with the FTC was open. A violation of my rights. They also sent a breakdown of the contract signed and the numbers, however those numbers are not a TRUE accounting of the contract, as a financial audit will reveal and they never did. As of a letter dated XX/XX/2023 from Wells they are threatening to sell my car, in which after doing a XXXX lien search they NEVER had a lien on me or the car. Also according to my documentation they never even had their name on the orginal title of the car. I want my car back asap and I am disputing charges and looking to arbitration to solve this dispute. I have made my brother power of attorney to help with this matter as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thanks for reading my complaint. 

In 2019, my wife and I signed a lease for a condo at XXXX XXXX XXXXXXXX in XXXX Indiana. I was there playing baseball. We stayed and payed out our lease. Payed every bill they ask and didn't have any issues. the following year my wife and I were getting financing option for our first home and saw a collection on our report from XXXX XXXX  XXXX for XXXX XXXX We have no idea what that's for but just figures there no need to hassle and so we just paid it off. Now fast forward we both still have Derogatory Collection on both of our credit reports. its been incredibly damaging because it pushes or interest payments very high over something we have no control over. Our monthly payments are XXXX $ more a month because of our interests rate is high because of this Collection on our report. I contacted Pro Collect who is the collection agency responsible and they won't take it off our report. This is just wrong and the big institutions are taking advantage of us to get higher interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

n Accordance with the Fair Cr edit Reporting Act, Capital One has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 's 1666b a credit may not treat a payment on a credit card account under an open and consumer credit card plan as late for any purpose.
Product: Bank account or service

My daughter sent us a quickpay in the amount of {$1900.00} on XX/XX/2016, after the day my account did n't show the deposit so i went to Chase to check, talked to one of the representative. They can not resolve the issue, we have to call Chase main office, i was told that someone has the same email address and already receive the funds of {$1900.00}. As i know, in order to send the Quick Pay, we have to provide the account of the person you want to send the money to. Now Chase wants us to make a claim in order to get {$1900.00} back. I do n't know anything about the regulation but i feel that the consumer is not going to have peace of minds if banking instiutions such as Chase are so careless about giving our money to just anyone with the same email account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report consumer fraud. I used XXXX, which I believe is located at XXXX XXXX XXXX XXXX, XXXX XXXX Pmb XXXX, XXXX TX XXXX. After entering my information, I received three credit scores from the various bureaus. The scores I received from XXXX were XXXX, XXXX, and XXXX. XXXX represented that these were my scores and advertised its services to improve the scores. I know I have excellent credit and was surprised by my scores, so I went to XXXX and requested my scores and reports from all three bureaus. I did this within minutes off receiving the scores from XXXX. My actual scores are XXXX, XXXX, XXXX. It became clear to me that XXXX was reducing the actual scores of consumers in order to encourage the sale of their services. After a period of time, XXXX could simply report the actual scores and claim that their efforts improved my scores worked, improving the chances that they will get an ongoing customer. This is clearly consumer fraud and unfair business practices. I immediately cancelled the recurring fee by phone, but was left disturbed at what occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting a debt incurred when I was out of state
Product: Money transfer, virtual currency, or money service

Im am filing a complaint against Cash App

( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit card or prepaid card

This complaint is for XXXX, I was at one of the stores and wanted to use my credit card there to buy something. I was told my credit card was out of date and wouldnt work and that I needed to get a new updated card. I asked several times to clarify that this meant I simply was going to receive a physical new card and not a new account because I already had an account with XXXX and obviously there would be no reason to open another one. I was lied too and deceived and had a credit card opened in my name which I did not want.
Product: Checking or savings account

On XX/XX/18 I drove to the atm located in the XXXX XXXX XXXX in which I tried to withdrawal XXXX, the machine defaulted and I canceled the transaction and drove to the bank and withdrew XXXX from the bank atm, my account was debited for both transactions, I disputed the charges on XX/XX/18 with XXXX in the branch and since said date have received 5 denials of the refusal to return my money, I also found another transaction dated XX/XX/18 in which my account was double debit in the amount XXXX I faxed receipts for the transaction and was refused reimbursement for the bank error, each time I requested them to review the camera footage of transactions and each time I am told the atm has balanced for the day in question
Product: Mortgage

I am facing foreclosure and I applied for a short sale and my short sale application was approved by the bank. I had a buyer who made an offer which was also submitted to the bank. However, the buyer pulled out because of the extensive umber of repairs that is needed on the property. I had another buyer who made an offer and this was submitted to the bank immediately after informing them that the first buyer pulled out of the deal. 
The second offer and proof of funds along with the HUD was submitted for the second buyer. The bank advised that they have received the second offer with supporting documents and are reviewing it. I was advised today that the file is now closed and the only option available to me is foreclosure or deed in lieu. The bank refused to review the second offer for short sale.
Product: Vehicle loan or lease

I signed a lease for 36 and had trade in which and cash back from dealer. In signing I was required to pay first month lease. In the process of this loan there appear to be more then 36 mos of payments and the amount for down payment and first month payment is not included. Also the down is not reflecting the amount and trade value is not included. I also want to address the warranty is being denied by XXXX and my car have mechanical problems and is under warranty and they refused to service my car based on the agreement I signed with this lease. Presently still have car with warranty issuse and they have not corrected the matter. I filed lemon law and they still refused to service my car. I'm want to address filed a breach of contract against XXXX XXXX XXXX.
Product: Debt collection

Synchrony bank called my husband who is not an authorized user and disclosed personal information including payment history, balances and even the fact that Illinois is not a spouse state and that she shouldnt be talking to him without my permission. 

I am very upset that she disclosed my personal information to my spouse without my consent.
Product: Student loan

My previously serviced, XXXX, XXXX XXXX XXXX XXXX XXXX student loan amount of which is {$8200.00} and {$1000.00} & {$22000.00} which equals the total of : {$12000.00} was consolidated into my Great Lakes dept of Education student loan balance on XX/XX/2009. 

I also notice that the same amount of {$8200.00}, {$1000.00}, & {$2200.00}, the total then {$12000.00} show up on my credit report as a separate line item, when it was consolidated. 

XXXX was bought and sold multiple times, to XXXX, and the last was XXXX sold from one financial institution to another, that information has cluttered my credit report. because it was purchased many times over. 

However, it is duplicate information meaning the same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts. 

During that time it appears that mishandling of the student loan was improperly handled and reported as a separate loan. 

I believe the credit reporting agency, XXXX, and XXXX and XXXX   mishandled the reporting of the consolidated loan, to a separate loan and line item. 

This is producing duplicate information meaning the same loan that is consolidated is showing as a separate loan, which is unacceptable, it needs to be removed because it is already included in the Great Lakes dept of education balance.
Product: Credit card or prepaid card

On my XXXX XXXX XXXX {$37.00} charge from XXXX XXXX XX/XX/XXXX Barclays Credit Card Holder I immediately contacted same day and spoke to XXXX from the XXXX XXXX Dept. XX/XX/XXXX. She said that I will have to wait until hit hard post the acct. I understood 100 % since I do work in the XXXX XXXX of work 25+ years Today XX/XX/XXXX, called since the charge has posted to the acct. Now XXXX from the same card company is saying I have to wait 15 days from the hard post date. Never heard of that Why is that? 

I can see for cashier checks or official checks. 

But a charge on a CC that I have no clue about. 

Same company cc I have filed at least 2 charged, immediately provided me great service. 

Now why not today!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX . I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES, AND INACCURATE ADDRESSES from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

my account was never late freedom mortgage all reporting this as time when my load had started and never sent me a statement