23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXXXXXX XXXX XXXX I was mislead and subjected to predatory lending. I entered into a commercial auto loan without being properly disclosed in regards to the specifications of the loan and what it pertained in conjunction with the fact the loan officer failed to function on their fiduciary capacity and not have me enter in a XXXX loan when she knew I was already over extended based upon my debt to income ratio I already have a previous XXXX mortgage with Keybank and other obligations which was made clear and I was left without fully understanding the ramifications and my rights as a consumer until now. She knew how much money I made on my job she had access to all my transactions history and W2 and paystubs from my job and seen that only made XXXX a year and still had me go through with it filled the application out for me and rushed me threw the signing of the documents without reading anything. This is unfair and predatory. Please help
Product: Debt collection

Dear Kikoff Lending , LLC : I am responding to your contact about a debt you are trying to collect. You did not contacted me on XX/XX/year> to identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my originally requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay identify that person. Provide verification and documentation about why this is : debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To all these Presents come, Greetings : In accordance with provisions set forth at XXXXXXXX XXXX  XXXX XXXX, the neg accounts to Account XXXX : held with said custodian cause on the following grounds : 1. consent was obtained through mistake, fraud, undue influer menace by any such XXXX  ; 2. the consideration for the obligation given fails, and ; 3. the contract is prejudicial to public law and public policy.
Product: Credit card or prepaid card

Comenity bank has been down for a whole month. No one has access to their accounts online. Whenever you try to log in it gives a glitch error. They are not answering any calls. They have a robot saying call back later. You cant speak with a live person. They have everyones account mixed up. No one can give an explanation for anything. This is ridiculous. They not only changed the amount I was paying but also added on 4 other fees. I currently have/had a payment for XXXX due on the XXXX of the month in which I was paying {$18.00} for XXXX and Victoria secret I was paying {$26.00}. I logged on to pay and I see that payments were way higher for both with added fees on which I never had. I didnt know what was going on so I paid {$30.00} for XXXX and {$30.00} for XXXX even thou I knew my payments were only {$18.00} and {$26.00}. I logged on a few days later more fees. I couldnt understand what was going on. I tried callling and calling couldnt get through then the next day I was unable to log in. The whole system went down and has been down since. They keep lying saying the website is up and running and we can make easy payments thats all a lie! Nothing is working. Nobody is answering the phones and they are putting Late payments on everybody credit reports because they have been hacked. Its not our fault they messed up everything and everybody accounts. I have never in all my days seen anything like this in my life. I dont trust Comenity bank which is bread financial now at all. Something is going on and everybody is suffering because of their mess up. They are messing up peoples lively hoods messing with the credit scores. Some people said they were able to get the easy pay to work but its taking out over 2 charges on their accounts. I dont know what to do at this point. I dont feel like any of my information is secure. Something has to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}
Product: Bank account or service

Wells Fargo customer submitted a mobile deposit of {$700.00} on XX/XX/2016. On XX/XX/2016 {$700.00} was deducted from customer 's checking account after an online debit card purchase made through amazon. Customer then filed a claim for fraudulent debit card transaction of {$700.00}. Resolution of claim states that the initial check deposited was used in a XXXX deposit ( unbeknownst to the customer ) and the withdrawal made on XX/XX/2016 was an adjustment made to reverse the duplicate mobile deposit. Customer destroyed original paper item used in mobile deposit made XX/XX/2016. While the claim was under investigation, the customer was asked to open a new checking account. When funds were transferred to new account, the fraudulent transaction was erased from customer 's transaction history and account statements. Customer was asked to file a XXXX claim with mobile deposit department instead of debit card transactions department. Customer was never reimbursed for fraudulent charge.
Product: Student loan

Navient was the loan servicer of my student loans. They have since been involved in a class action law suit. I am due retribution of {$260.00}. I am unable to get a reissue on my check. I fill out the form my North Carolina Attorney General 's off sent me. They are telling me they do not have record of my claim. I have seen the claim on an unclaimed property website. 
The check was issued in XXXX of 2022. It was sent to my previous address, and under my previous name : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have since remarried and changed my address : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

On my credit report it shows my XXXX payment is not current I reached out to Barclay 's and they stated it is current and it shows on time payments on their end.
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. 

I told XXXX, Transunion and XXXX to reinvestigate these accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate .But how is that possible if the open date, date of the last activity and much more is incorrect .I did request a detailed description of the investigation according to 15 USC 1681i ( 7 ) NO later than 15 days and they never responded .According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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 states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 anledales 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 ageny if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting .I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian, XXXX, and XXXX for their willful noncompliance with federal laws under the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging violations of 15 USC 1681, FCRA 605B, and FCRA 615F.

I am a victim of identity theft and have repeatedly disputed fraudulent accounts on my credit reports with all three credit reporting agencies ( CRAs ). The negative accounts in question are as follows : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing evidence of identity theft, these agencies and the original creditors have updated the accounts with my current address and phone number instead of removing them, which is a clear violation of FCRA Section 605B. This improper updating suggests that the agencies have failed to conduct reasonable investigations into my disputes.

Following these incidents, I submitted written requests to each CRA, requesting specific methods of verification under FCRA Section 611 ( a ) ( 7 ). Instead of providing any meaningful or account-specific information, each agency responded with a generic overview of their general verification procedures. This lack of transparency and failure to provide details about the specific accounts in question violate my rights under the FCRA. 

The actions of Experian, XXXX, and XXXX are causing ongoing financial and emotional harm. Their inadequate investigation and resolution of my disputes, coupled with their insufficient responses to my verification requests, demonstrate a deliberate disregard for my legal rights.

I respectfully request that the CFPB investigate these violations and take appropriate action to ensure compliance with the FCRA. Specifically, I request that the CFPB mandate the following : 1. Permanently remove the fraudulent accounts from my credit reports.

2. Provide specific verification methods for my accounts.

3. Ensure compliance with FCRA Sections 605B and 615F in handling identity theft disputes.

I have attached copies of my supporting documentation related to identity theft.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SAFCO. The account falls into a charge-off account yet there was a balance indicated in the statement. There were no 120 days past due shown in my payment history account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
SAFCO ***** Opened XXXX XXXX XXXX 2015 XXXX {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On Saturday XX/XX/2022, I purchased a table and chairs from XXXX XXXX using my Synchrony Home Card for {$1800.00} plus tax ( {$150.00} ) equals {$1900.00}. I am being wrongly charged by Synchrony Home the amount of {$2300.00}. This amount is wrong. I am being wrongly charged an additional {$290.00} plus tax which comes to {$320.00} which was refunded back onto the Synchrony Home Card by the retailer. I can show proof of the refund of {$320.00} to the Synchrony Home Card from the Retailer. My daughter had to do a XXXX News Segment regarding this refund of {$290.00} plus tax = {$320.00} I know I owe for the table and chairs {$1900.00} because that is the only thing I purchased with this Synchrony Home Card but I do not owe the additional {$320.00}. I do not owe {$2300.00} Please see the attachment showing my proof of refund. Please correct this.
Product: Mortgage

I called into my mortgage servicing company Ocwen Loan Service LLC as I usually do on my Friday ( my payday ) or Monday ( if there is carryover ) to pay the monthly amount due. I admit to behind on my payments, but pay the set amount monthly amount as to avoid foreclosure. I go through the automated system to avoid their incompetence, rudeness and lengthy processes which can easily eat up my entire lunch break. On Friday XXXX XXXX I made my monthly payment of {$600.00}. Not only did Ocwen drag their feet with processing that payment but 4 days later on Tuesday XXXX XXXX, they went into my account and withdrew additional funds WITHOUT my consent! I found this out when I made this month 's payment of {$600.00} and found an anonomous charge mentioned on their automated payment history breakdown. I called the company and inquired and was told that Ocwen took this amount out for an inspection charge where they have someone come by my property and make sure I am still a resident. Ocwen has a policy that before any late fees or additional charges accumulated can be paid off the initial back payments of monthly mortgage amounts due must be paid off first! Any amount that exceeds the {$600.00} will be held in " limbo '' and applied AFTER the back payments are made and not applied to the debt itself. Therefore Ocwen VIOLATED IT 'S OWN COMPANY POLICY! There is NOTHING on their website or paperwork stating that they can just pull money from my account for this purpose. I NEVER gave them authorization to pull this amount from my account! I RECORD EVER CALL I MAKE TO OCWEN WHETHER IT BE WITH A REPRESENTATIVE OR WHEN GOING THROUGH THE AUTOMATED SYSTEM MAKING PAYMENTS! I ARCHIVE ALL THESE MESSAGES. Ocwen WILL HAVE NO PHONE CALL on XXXX XXXX from me AT ALL! They went into my account ILLEGALLY! I have evidence NOT just of this but I caught them in past lies and the representative was warned and hung up on me when I revealed that they had lied! The amount was small but it 's the principle I am more than willing to FIGHT FOR! I alerted them yesterday that I will be filing a complaint and that I RECORD ALL THEIR EXCHANGES!!!!
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. 
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 XXXXXXXX has violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.and according to 15 USC 1681s-2 they are suppose to 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. 
15 U.S.C. 1681B ( 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: Vehicle loan or lease

I am XXXX XXXX and I am submitting this complaint myself. There is no third party involved. I submitted my negotiable instrument paid in full to your company via certified mail and am in need of immediate discharge and correction on my credit report.
Product: Bank account or service

It turns out PayPal froze an additional {$3000.00} in cash. They went so far as to REVERSE a bank payout so that they could hold an even more absurd amount of my assets for an extravagant 180 days. Bear in mind that all of these transactions came from verified sources so the have absolutely no right to retain them for so long. there are no verification checks they need to do, no payment confirmations, everything has been approved and they are simply retaining my cash for an absurd amount of time. This is egregious.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, the unverified items listed below still remain on my credit report. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One repeatedly " double dips '' my checking account on my online purchases by placing a duplicate authorization hold on top of already posted and cleared transactions. Artificially lowering my balance by twice the amount of the purchase. Puts my account in the red. Effectively freezes my available funds for several arbitrary business days. This is happening almost weekly. 

XXXX places duplicate charges on my checking account on my online purchases by placing a duplicate authorization hold on top of already posted and cleared transactions. Artificially lowering my balance by twice the amount of the purchase. Puts my account in the red. Effectively freezes my available funds for several arbitrary business days. This is happening almost weekly. 

XXXX places duplicate charges on my checking account on my online purchases by placing a duplicate authorization hold on top of already posted and cleared transactions. Artificially lowering my balance by twice the amount of the purchase. Puts my account in the red. Effectively freezes my available funds for several arbitrary business days. This is happening almost weekly.