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

A company called Ally Financial. A company I have never heard of or tried to do business with pulled my credit report on XXXX XXXX, 2016. This was a hard hit at the credit bureau, probably all three. I just received my credit report from XXXX, saw them on the report. I called them on 3 different occasions and told them I did not try to purchase a vehicle through them. Also they did not have the right to check my credit report without my authority. I spoke with, management, the credit dispute office and the fraud department. They did not want to talk to or help me.They refused to help me get this hard hit off my credit report. The credit bureau told me what to tell them to remove it. They still refused. In my opinion Ally Financial could be part of a larger conspiracy in the fraud and Identity theft going on in this country today. More than the general public might imagine. Companies like theirs do n't need a social security number to pull your credit. So they could do this to hundreds or maybe even thousands of consumers and get away with it. I bring this incident to your attention because why would they be so adamant about not wanting to help me. Maybe they figured that if they helped me they might be opening XXXX 's box or get caught with their hand in the cookie jar.I have filed a complaint report with the FBI in Washington, also the BBB in Minnesota. 
I called the local police dept and they told me they are not listed as a business in XXXX MN. They are operating out of XXXX and the police dept could n't understand why they were using a XXXX address. He refered me to the FBI. I will be calling the XXXX police dept as well. on
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. I demand that this company removes my account ( XXXX ) from all three credit reporting agencies due to the violations : XXXX. XXXX XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Student loan

I called MOHELA earlier this week for XXXX reasons. I needed to understand why my interest rates keep going up even though I've been paying my loans consistently over the last year, and what my repayment options were due to being laid off. 

In terms of the interest rates, I was not given an answer. In fact, the customer service rep lied to me about my rates going down. Around XXXX years ago, XXXX of my loans was at 10 % interest ; it's now at 13.75 %, and I've already paid beyond the initial amount borrowed by over double. It's very clear that 13.75 % is higher than 10 %. I was not given an answer other than " we can raise rates whenever we want. '' I find this to be an abusive and deceptive practice and violates UDAP laws. 

When I asked what my repayment options were, the customer service rep refused to give me information on what my options were unless I gave information first. This is also a deceptive practice. In addition, while dealing with this customer service rep, she raised her voice, spoke over me numerous times, and was outright rude and unfair. When I explained that I didn't need to provide information about my income or savings account, I was told that they were going to withhold from telling me their options. This is also UDAP violation, abusive and deceptive, as I was trying to understand what my options were to remain a good paying customer. I never got an answer from this rep. Even when speaking with their supervisor, I was not provided with what all the options were without providing my expense information, which is withholding and being deceptive about what I could do while facing financial hardship. 

Further, I've already paid beyond the principal of my loans at this point and likely will not be able to get out of these loans throughout my lifetime because they continuously increase interest rates without providing a reason. This is an example of unfair, abusive, and deceptive practices across the board.
Product: Checking or savings account

Im filing a complaint with the CFPB regarding Capital Ones failure to deposit my ACH ( direct deposit ) payment from my employer and any other Incoming deposits to my account. Capital One has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. This has caused great issues and distress.
Product: Debt collection

COLLECTOR CALLING ALL FAMILY MEMBERS AT WORK, CELL AND HOME IN VIOLATION OF TCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized 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 ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX  : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX ALL ANY OTHER 30 DAYS OLD ON MY CREDIT REPORT ...
Product: Debt collection

Someone used my identity to get a A apartment in my name and purchased a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 : states I have the right to my privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor mag not treat a payment on a credit card account and a open end consumer credit pla as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been disputing a XXXX account that has been appearing on my TransUnion credit report but received a response that it was verified by XXXXXXXX XXXX. I again disputed the XXXX entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified. I then sent a certified letter to XXXX XXXX disputing the information on my transUnion credit report never receiving a response, I have pointed out to TransUnion all the inaccuracies on my credit report but they continue to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit, high insurance premiums, defamation and negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and XXXX XXXX I will also provide my most recent credit report High lighting all the inaccuracies.
Product: Mortgage

This is the continuation of COMPLAINT ID XXXX-XXXX which was not resolved. The company just sent me a letter dated XX/XX/XXXX in which they state they've canceled my monthly automatic drafts. I need their clarification in writing that they're only canceling the auto-draft of additional principal payment in the amount of {$520.00} and not canceling the regular interest+principal auto-draft of {$560.00}.
Product: Debt collection

Received a collection notice from XXXX regarding a debt for Paypal. I contacted XXXX around XX/XX/2019 regarding the debt. Then followed up with a letter on XX/XX/2019 certified with no response. I also sent a certified letter to Paypal with no response.
Product: Credit reporting or other personal consumer reports

Experian failed to dispute information for Consumer validation of debt with XXXX XXXX reviewed the following letter of initial contact from a debt buyer with inaccurate address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer never lives in that city or state Error number two bill submitted to Experian with inaccurate address which the letter stated by XXXX XXXX upon purchase this Debt verified information with the original creditor. XXXX Violated 15USC 6080 release of information to 3rd without written consent from the consumer personal information. XXXX obtained these letter from dispute through CFPB
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated byXXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my XXXX  pay account to Coinbase XXXX  the instructions of the scammers. 
All details described in the letter attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. Upon reviewing my updates, incorrect information was found in my reports. The XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : PREMIUM CB Inquired on XX/XX/2019 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act 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.
Product: Mortgage

In XX/XX/XXXX we completed a modification with Wells Fargo Bank, we were so excited about the modification that we did n't read the entire forms that were sent out for us to sign. In XX/XX/XXXX due to my wife illness we fell behind not quite XXXX months with our mortgage, we were trying to catch up always a month behind. We decided to try to get help by doing a debt consolidation loan to bring us us to date it would also help us to secure a refinance in the next 12 months. We found a company that would do the loan for us just as we were to sign the document a Title search was done and we found out that HUD had placed a partial claim on the home making it virtually impossible to secure a loan. The claim shows up as a lien on the home. Finding this out was a shock to us, we were never informed verbally that a lien would be placed on the home by HUD. This has create a hardship for us because no one will touch our home due to this XXXX lien. We are falling farther behind on our mortgage and other bills we want to save our home, as we have the income to maintain our home once we get someone to help us to get ahead. We sincerely hope you can help. 

Regards,
Product: Mortgage

I have a big problem : I can prove around {$5500.00} in mortgage fraud but I can't get credited for it. I emailed cashed checks to Truist 's fraud department ( who never wrote back ) and to another address I was told to send it to ( who also never wrote me back ). I asked Truist for my payment history and my checks are much higher than my history. I keep a spreadsheet showing payments I made. I logged payments up to XX/XX/XXXX but not between XX/XX/XXXX and XX/XX/XXXX. I had a XXXX on XX/XX/XXXX and started making minimum payments after then but before then I often overpaid. Everything checks out up to XX/XX/XXXX and after XX/XX/XXXX but is off between then. I had XXXX banks during this period. XXXX I have canceled checks for and the other I don't. The XXXX bank shows all drafts between XX/XX/XXXX and XX/XX/XXXX and no overpayments when I sent all checks and overpaid every month. The scenario that makes the most sense to me is someone worked both at BB & T ( Truist ended up buying them ) and my bank ( XXXX XXXX ) and altered my bank statements to conceal their embezzlement from BB & T. I have XXXX XXXX doing an investigation now. That's been going on XXXX business days. Neither bank shows withdrawals between XXXX and XX/XX/XXXX or from XX/XX/XXXX to XX/XX/XXXX. I asked Truist for checks between XX/XX/XXXX and XX/XX/XXXX but didn't hear back. So I'd like to be credited for the fraud I have proof for ASAP and would like to see all check images I sent between XX/XX/XXXX and XX/XX/XXXX. Truist said they were investigating but I've been writing since Monday and can't get a reply. I have XXXX cashed checks showing about {$5500.00} in fraud but there are 21 months in question. If I multiply {$5500.00} by XXXX I get {$16000.00}. Since there's a gap in my spreadsheet I'm only guessing but I estimate I overpaid between {$12000.00} and {$20000.00}. I think the amount freaked out Truist which is why they haven't written back. BB & T never had problems cashing my checks but Truist is having trouble giving me credit for fraud I can prove. The amounts to look for are {$1200.00} ( the minimum I sent ), {$1500.00}, {$1500.00} and {$1600.00}. I'm not sure if I ever sent any checks for {$1600.00} but know I didn't pay more than that and didn't pay below {$1200.00}. I'm " verbally challenged '' so text ( XXXX ) or email ( XXXX ) are the best ways for me to communicate. I am verbal just not easy to understand. I called them probably five times. Im told they need proof even though my bank statements have been altered. I wrote them on XXXX on XX/XX/XXXX and explained the predicament. They said they were launching an investigation. Ive written every day since Monday ( except today ) and cant get a reply. Id be happy to email supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent ( Original Creditor : XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX  XXXX XXXX  {$4000.00}
Product: Debt collection

I originally had a credit card debt approximately in XXXX with XXXX XXXX  in the amount of {$16000.00}. I was on the verge of bankruptcy and I offered {$8000.00} and they refused. They sold the debt to Midland Funding in approximately XXXX. Midland funding originally wanted $ XXXX to settle, my lawyer offered them {$3000.00}, they refused the {$3000.00}, then they offered approximately {$8700.00} to settle, which I agreed, while trying to get the funds to pay this amount, they back to the original {$16000.00}. I refused the {$16000.00} as I didnt have the funds. They filed a lawsuit and got a judgment for $ XXXX, I did not show up to the court hearing as my lawyer advised me not to show up to court. Then they filed a XXXX on my farm property. My wife and I only have social security for income. I was diagnosed with XXXX 2 years ago. I also had a TIA attack and have XXXX XXXX XXXX. 
Midland Funding has a consumer bill of rights that should forgive this debt due to my health and income.
Product: Credit card or prepaid card

Recieved a notice from Synchrony Bank, dated XX/XX/2020, that my request for a credit card with TJX REWARDS CARD had been denied.

I did not apply for a TJX card and I am concerned that a denial will hurt my credit rating. 

I tried to contact the Bank, but it is impossible to get a phone numer from them to get answers.
Product: Debt collection

Amount of {$300.00} has been reported as a new debt collection 5 times total. Three times in XXXX and two times in XXXX for the same amount. Each time they report, they report as a NEW account therefore has dropped my credit score 40 points. I have reported this through XXXX  and they referred me to you to make a formal complaint as they are reaching out to company as well. I would like to know how to get this resolved and the correction made on my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/year> I checked my credit report and found that I had a public account Bankruptcy showing the case number is XXXX is what displaying on Equifax i contacted the United States bankruptcy court and was told they do not report to the credit bureaus. I was lied to By Equifax I am requesting that this public record be removed
Product: Mortgage

Freedom Mortgage has failed to pay my XXXX property taxes by the XXXX XXXX due date. Freedom Mortgage is collecting {$470.00} each month intended to pay taxes and insurance. I have loan closure documents specifically stating that city taxes will be paid out of that escrow.
Product: Credit reporting or other personal consumer reports

I'm filing this affidavit to report 2 fraudulent accounts, I ask that the aforementioned fraudulent items be removed from each of my credit reports and ceased to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

Capital1 kept my money market interest rate low for 4 years. 0.3 %. never informing me they created a new MM ( performance 360 ) with an interest rate of over 4 %.
Product: Student loan

I am still in school and currently taking classes at the University XXXX for my XXXX. Apparently this past XXXX student loan payments were posted for me to start paying. However, they sent them to an old email that I do not have the password to anymore. I never received any phone calls or letters. NAVIENT posted my loans as delinquent in XX/XX/XXXX ( while I was an active student at XXXX College ). The only reason I found out about my loan payments was because XXXX XXXX emailed me that my credit had dropped dramatically from a XXXX to a XXXX. I am an XXXX student working full time up to XXXX hours a week at a XXXX. I am hoping this issue can be resolved because NAVIENT claims that they can not reverse the credit damage even after putting them into deferment.
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the EXPERIAN. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. 

Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Credit card

On XX/XX/2024 I received a package from a company called " XXXX  '' with a cell phone inside. I have no knowledge of ordering this phone or paying for any activation of such. The email I received had a customer service phone number for me to call If I noticed something wrong about the shipment. I decided to look-up the company on the website and call this number instead. The company confirmed that the number listed on the email sent to me was not associated with " XXXX  ''. " XXXX  '' also informed me there was an account created and opened in my name on XX/XX/2024. They have flagged the account and sent all of the data used to open this account to their fraud department. They will also ship me a return label to return the device. I also asked about the credit card that was used in the transaction because it not a card that I have no knowledge of. The rep informed me that the credit card used has my name and my home address as the contact information. The contact number on the shipping label does has never been associated with me.
Product: Credit card or prepaid card

XXXX : XXXX XXXX XXXX XXXX XXXX 20 % off your first purchase FREE SHIPPING on any order when you use the XXXX 's XXXX XXXX.1 DOUBLE POINTS on every purchase to earn rewards even faster.2 EARN REWARDS get {$10.00} for every 150 points earned.2 HAPPIER BIRTHDAYS with a surprise birthday offer for your child every year.4 SNEAK PEEKS let you shop special sale events early. 
EXTRA SURPRISES with exclusive bonus points and savings offers for card members It boasts tons of benefits if you deside to use it even once but they wont send you your first bill but then said a late fee notification when you call them them they will say that they have fixed it and convince you to keep the account open then keep sending late fees even when your account is balanced and Paid off Close as soon as possible they will just keep charging you as
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the persistent violations of my rights under the Fair Credit Reporting Act ( FCRA ) by you guys. Despite my repeated attempts to address inaccuracies related to an XXXX XXXX account on my credit report, You have continuously verified these errors without conducting proper investigations. This has severely impacted my ability to maintain an accurate credit profile and obtain fair credit opportunities.

Timeline of Disputes : I initially disputed the XXXX XXXX account on XX/XX/year>. The outcome of this dispute was a verification of the inaccurate information. 

On XX/XX/year>, I requested a reinvestigation, clearly indicating the errors in the initial investigation and urging [ Credit Reporting Agency ] to re-examine the matter. Unfortunately, the account was verified again without addressing the identified discrepancies. 

On the same date, I raised another dispute, highlighting specific inaccuracies that had been overlooked in previous investigations. I explicitly requested the removal of the XXXX XXXX account from my report. However, once again, the account was verified without a thorough review. 

Subsequently, on XX/XX/year>, I disputed the inaccuracies with additional supporting evidence and proceeded to escalate the issue by filing complaints with both the XXXX XXXX XXXX XXXX XXXX XXXX  and the Attorney General 's office.

Current Situation : Upon reviewing my most recent credit report, I was alarmed to discover yet another XXXX XXXX account entry with a different account number and numerous inaccuracies. This ongoing mishandling of my credit information is not only unacceptable but also constitutes a significant violation of the FCRA.