23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

It showing that I have a parking ticket in the amount of {$89.00} that is not mines out of XXXX. I contacted them advised what was on my credit report and stated that I have NEVER received a parking ticket and I would like this removed from my credit report. The debt collector referred me to call the original collect and they referred me back to the debt collector. Now I have been given the run around. I have never received any parking ticket because I NEVER park wrong, never signed for nothing, never went to court or anything.
Product: Credit card or prepaid card

Hello, My discover account was abruptly closed without prior notice.Discover gave me reason as ''they were unable to verify personal information on your account. ' I provided them all the info and also signed sign Consent Form 4506-C .It will effect my credit history because of their abrupt closure.Please help me in this.
Product: Debt collection

This company has called random people that either I know or used to know. They are leaving very little info on messages and when people pick up they try to intimidate them to get info on me. I also have never received any written info until today when I called them. I asked them to send me info in the mail and they said they were too busy. He also asked me to give him my checking account number to make a payment. Once I said I didnt he said so your refusing to resolve this? They are very harassing and unless you ask they wont tell you who they are. One example is they called my ex girlfriend at her work. Please help!!!
Product: Credit card

There is a Capital One account on my credit reports that does not belong to me. I have disputed this numerous times and Capital One refuses to remove this item. During my last dispute I received a response from Capital One ( see attached ) stating that this is my account and all of the information that they have on file matches my information. This is not true. I have called Capital One in regards to this matter and when asked to verify my information they could not because they stated that the birth date that they had on file did not match. I wanted this is writing so I went to the online chat because I was told that they could not respond via email regarding personal account matters. On all occasions they could not verify my birth date ( see attached ). There were more times than this but I only printed out XXXX. I did contact them to try and settle this account because I want it removed from my credit reports. I was willing to pay for something that was not even mine because I am being railroaded by Capital One. This goes to show that XXXX XXXX from Capital One has provided false information just to not remove this item that really does not belong to me. I would like this information removed from my credit reports immediately. As I have stated numerous times this is not my account and I will proceed with further actions if this is not done.
Product: Credit card

On XX/XX/XXXX, I received a letter from Best Buy Credit Services, saying my recent credit card application had been denied. 

The problem is, I hadn't applied for a Best Buy credit card -- someone else did. 

On XX/XX/XXXX, I called the phone number on the letter XXXX XXXX XXXX XXXX XXXXo get more information about this application. In particular, I wanted to know WHEN the application was submitted, because I froze my credit on XX/XX/XXXX. That XXXX XXXX contains instructions to XXXX XXXX whenever an attempt at new credit is made. I received no phone call from Best Buy Credit Services. 

But back to the phone call -- I was unable to speak to anyone at XXXX XXXX XXXX XXXX It was a XXXX XXXX and the only information I could get was to confirm that the application associated with reference number XXXX resulted in no credit card being issued. 

Faced with this dead end, I attempted to get more information by calling the main Best Buy XXXX XXXX number, ( XXXX ) XXXX. Here I was again faced with a XXXX XXXX that wants my Best Buy Credit Card number. As I do not have a Best Buy Credit Card, it was very difficult to make any progress through the computerized menu. 

On my third attempt calling ( XXXX ) XXXX, I apparently said " agent '' enough times that the computer system connected me to a human being. I spoke to a customer service agent who connected me with the XXXX Department. The gentleman in the XXXX Department told me the application was processed on XX/XX/XXXX. He said he could not provide any other information, as the XXXX Department works on XXXX credit card accounts, and I would need to get more details from the XXXX Accounts Department XXXX He transferred me to the XXXX XXXX Department -- which landed me at the same XXXX XXXX that allows me to check on the status of my application, and then hangs up after telling me my application was denied. There was no person to speak to about the fraudulent attempt to open a credit card in my name. There was no person who could provide me with more information about this application. There was no person who could explain why I did not receive a phone call when Best Buy Credit Services saw the frozen credit and instructions to call about the attempted use of my information. 

I tried XXXX more time to reach a human being at ( XXXX ) XXXX and was again stuck in a XXXX XXXX  that wants my Best Buy Credit Card number. 

I quit trying to reach a person at Best Buy Credit Services and instead am here on the CFPB website. I hope you have more success than I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in dispute to the payment history reported fromXX/XX/2017 throughXX/XX/2017. During XX/XX/2017,XX/XX/2017, and XX/XX/2017. I paid as agreed per a Trial Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. XX/XX/, Equifax, and XXXX). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements fromXX/XX/2017 showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XXXX   representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
Product: Debt collection

I used to live at XXXX apartments at XXXX XXXX in XXXX XXXX, California. I noticed that the lease that was available on on-site.com, the website that this company uses to sign lease, was signed several days after I moved in. I know that I did not sign this lease as I signed a lease prior to moving in and the lease available online is not the same lease as the one that I did sign. The IP address associated with my signature and my cosigner 's signature matches the IP address of XXXX XXXX, who works at XXXX apartments at XXXX XXXX. They are now saying the I violated this lease after moving out and saying the I owe {$20000.00}, even though I did not sign this lease. They have reported this to XXXX XXXX XXXX, a collections agency, which is now requesting that I pay them {$22000.00}. I never signed this lease, my signature was forged on this lease by XXXX XXXX, therefore, I am not responsible for paying this amount. I have sent a letter disputing this debt to XXXX XXXX XXXX, in addition to filing a complaint with the Internet Crime Complaint Center, however, XXXX XXXX XXXX has still reported that I owe this debt to credit bureaus.
Product: Student loan

1. For the second time, after submitting documentation certifying continuing public service, I have been credited with far fewer months of qualifying service than is correct. I have been a XXXX XXXX   continuously since XX/XX/2013. I have been paying my loans with XXXX and then with fedloan servicing since just after that day. I have made as many as 53 payments to all applicable loans. I have made, because of an unwanted forbearance, as few as 49-50 payment, but no less than that. Despite qualifying employment dates being correct, I have inexplicably been credited with 11 qualifying payments for one loan and 12 for another loan. Of course, I make a lump sum payment every month so the number of qualifying payments must be equal ( and much, much greater ). 

2. Once again, I have been entered into a Forbearance against my will. I have inexplicably been entered into a " Disaster Forbearance '' after having neither requested one nor experienced any sort of Disaster.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute and Request for Immediate Resolution Under 15 USC 1681i ( a ) ( 5 ) ( A ) and 15 USC 1681e ( b ) To Whom It May Concern : I am writing to formally dispute the reinsertion of an account previously deleted from my credit report, as this action constitutes a violation of 15 USC 1681i ( a ) ( 5 ) ( A ). Additionally, I request immediate verification of the accounts accuracy and ownership under the Fair Credit Reporting Act ( FCRA ). 

**Account Information : ** Creditor : XXXX XXXX  According to 15 USC 1681i ( a ) ( 5 ) ( A ), if an item is deleted from a consumers credit file as a result of a dispute, it can not be reinserted without proper notification and certification of its accuracy. I have reviewed my credit report and discovered that this account was deleted and later reinserted without such notification. This action is unlawful and constitutes a breach of my rights under the FCRA. 

Furthermore, under 15 USC 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. The reinsertion of this account without proper verification undermines this obligation. I believe this reinsertion is inaccurate and demands immediate correction.

**Requested Actions : ** 1. Remove the aforementioned account from my credit report immediately due to its unlawful reinsertion.

2. Provide me with all documentation and verification that this account is mine, as required by the FCRA.

3. Cease any further reporting of this accou
nt unless and until its accuracy is fully validated.

4. Notify me in writing within five ( 5 ) business days of the completion of these actions, as mandated by law.

Please be advised that if these violations are not addressed promptly, I will have no choice but to pursue legal action for damages as permitted under the FCRA. Your failure to comply with federal regulations has negatively impacted my credit profile, causing undue harm. 

I have attached a copy of my ID and proof of address to facilitate your investigation. Please consider this letter a formal complaint, and I expect a written response within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : 1. Copy of ID 2. Proof of Address 3. Copy of Credit Report Showing Disputed Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Student loan

I am a teacher trying to qualify for Public Service Loan Forgiveness. XXXX XXXX promised to me on or about XX/XX/XXXX that by participating in the graduated payment plan, which ultimately required me to pay more money per month, that I would achieve loan forgiveness no later than XX/XX/XXXX. Additionally, XXXX XXXX  placed a deferment on my loans when I did not request a deferment orally or in writing. Subsequent to that discussion, my loan servicing company, XXXX XXXX, was replaced with XXXX. Once XXXX took over the servicing obligations, I was told that XXXX XXXX gave incorrect advice and that XXXX would not honor the agreement entered into by XXXX XXXX, to wit : that by entering into the graduated payment plan, and paying more money per month than I would have otherwise, I would receive loan forgiveness by XX/XX/XXXX. 
Due to XXXX XXXX dishonesty and misleading conduct, and due to XXXX refusal to honor an agreement made regarding my loan, I have suffered the following harm : 1. I was deceived and coerced into making a higher monthly payment than I would have otherwise been required to make ; and 2. My loan forgiveness date was extended by at least 5 years, which means I am now making a higher monthly payment for a longer period of time ; and 3. I have had to seek the advice of counsel to address this issue, which has caused me to incur out of pocket expenses that but for the deceitful conduct of XXXX XXXX and XXXX, I would not have occurred. 

In short, I have made 120 payments that should have been qualifying, and I am now being told that half of my payments did not count for various reasons. Whenever I speak with XXXX customer service, they tell me that I am correct, and they do not know why I am not getting credit for most of the payments, but they are still not correcting the issue. They are now telling me that it takes up to a year to investigate these problems, when I should already have my loans cancelled in a couple of weeks. I have asked for these issues to be resolved several times a year for the past 5 years, but they have not been addressed. In fact, some of my loans are expected to take LONGER to repay, even though I have continued making on-time payments. When I sent them the above letter asking them to honor the loan forgiveness I was promised, the responded by sending me a list of my loans and their interest rates, which clearly did not address the issue.
Product: Checking or savings account

On XX/XX/XXXX of 2024, the banking company known as Chime placed my account on a hold. This is due to the possession of a sum of {$210000.00} in the account, which allegedly flagged for review on their end. Theyve asked for personal information such as my social security card and passport, and documents relating to the transactions overall. After that has been sent over during the course of about a week, they opened the account. The account remained open for maybe another week or two weeks, until they decided to close it again for all of the same reasons. This time, they requested a signed document on my part, which I also provided, but they completely closed the account before I could send that same document to them, at which point I requested on multiple occasions an explanation of this, the particular policy which was allegedly in violation, a refund for the funds in the account, and the contact information for their legal department, all of which was denied to me.
Product: Prepaid card

I am seeking a balance check in order to dispute a transaction in the amount of {$20.00} made on XX/XX/2024. The company provides a website vanillagift.com and a page to check the balance. However when checking the balance an error is shown " A system error has occurred. Please try again later ''. This occured on Thursday XX/XX/2024. When calling the customer support number, an automated robot asks me to enter the two numbers spoken as a security challenge in order to continue the call. The numbers are XXXX XXXX. When I enter the numbers, the robot says that the entry is incorrect and abruptly terminates the call.
Product: Consumer Loan

I purchased an ( Infiniti FX35 XXXX ) from a car dealer called XXXX located in XXXX, XXXX. During the contract signing, everything was signed digitally on their computer system. After signing the contract, they only gave me the printed copies of the extended warranty 's documents and told me that their printer suddenly developed fault and promised to print and mailed it through XXXX by the following day. 
During this transaction, I made a down payment of {$4500.00} to the dealer, and the signed contract was supposed to be : Vehicle Price = $ XXXX+ Extended warranty = $ XXXX+ Taxes and others = $ XXXX+ Based on the above break down, the total amount was $ XXXX+,. 
My monthly payment was {$430.00}, the term of the agreed contract was supposed to be 30 to 36 months. 
After one month I decided to cancel the extended warranty due to the fact that they refused to fix the car because the car had multiple issues which they did not disclose to me during purchase, all issues came up when I drove the car from XXXX to XXXX in XXXX, the following day I called them up a made a complaint about faults I discovered, they advised me to take the car to a workshop and inform the warranty company, I did just that but the warranty company refused to pay because the cost was up {$2000.00}. 
After I made up to nine months payment consistently, I decided to call up the company that financed the car by name " Credit Acceptance '' and required to know my balance, at that point they inform me that my outstanding is $ XXXX+, and term of the contract was increased to 60 months as against the 30 months which I signed for. 
At this point I asked them about how much they did finance the car, they told my $ XXXX+ I asked them why and how did they pay up to $ XXXX+ because I made a down payment of {$4500.00} which supposed bring down the balance to $ XXXX+ before the financing, at that point they told me '' we know nothing about your down payment, call up your car dealer and ask them ''. 
Both sides have been pushing me around. 
( 1 ) I signed for 30 months contract not 60 months. 
( 2 ) The dealer tricked me they were going to send the contract documents the following day because printer was faulty, till this time the contract has not been sent to me. 
( 3 ) The down payment I made could not be accounted for. 
Please I really need help, I am still new in this country struggling to meet up. 
If I should be paying {$430.00} on a monthly basis, meaning I will end up paying {$25000.00} to the lender adding to the {$4500.00} down payment making it {$30000.00}, I did not bargain for this. 
This car is a XXXX infiniti FX35, with XXXX miles during purchase. 
Please contact me if you need more information.
Product: Credit reporting or other personal consumer reports

This complaint has been submitted to the CFPB to formally request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block any information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. The fraudulent and inaccurate information includes a personal credit card account opened with American Express in XXXX  for the amount of {$1000.00} ( card number XXXX ) and a second card from XXXX XXXX with a balance of {$5900.00} ( account number XXXX ), also opened in XXXX. These accounts have led to multiple fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have included a list of the disputed hard inquiries and a copy of the consumer XXXX credit report maintained by you, which highlights the fraudulent items in question. I do not recognize the accounts, collections, or hard inquiries mentioned above. None of these accounts, collections, or inquiries were opened, made, or initiated by me. All of them are the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as evidence from the U.S. Federal Trade Commission confirming that all the disputed consumer credit accounts, collections, and inquiries are indeed the result of identity theft and fraud.
Product: Mortgage

My wife and I applied for the purchase of a property. We used the following company to conduct that transaction : Broker Solutions Inc. dba. New American Funding.

Escrow # XXXX XXXX XXXX  Loan officer XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On my understanding, this property shall be in our possession and begun to make payments towards the principal and interest.

The documents have already signed and again this company has not release the funds to the seller of the property.

I have several documents affirming that we should be the righteous individuals, ( or my wife ) to make payments towards the property. 

Truly, XXXX XXXX
Product: Credit card

I was a Victim of identity theft, someone using my name and social security number. 
Please review and sign your identity theft report. 
This is your official statement about what happened to you. 

Federal Trade Commission : IdentityTheft.gov FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Phone : XXXX Email : XXXX Personal Statement I lost my wallet about 5 years ago in XXXX, ever since then I been a victim of identity theft. please call me at XXXX Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : CAPITAL ONE Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$580.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXXXXXX  Total fraudulent amount : {$0.00} Credit Card Opened by the Thief Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$500.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX XXXX, XXXX XXXX XXXX Addresses : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, CLEAR Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXXXXXX  Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Credit card or prepaid card

Ive tried to called chime on multiple occasions and even asked to speak to a supervisor and Ive talked to multiple ones and nothing they keep denying my claims messing up my accounts and hanging up I think they agents are stealing from customers Ive even sent in police reports and showed proof and nothing they just keep sending my denial emails and canceling my cards and sending my new ones but thats not fixing the issues charges still was made on my account due to my phone and card being stolen over XXXX was stolen from me if not more and I already complained and nothing has happened another incident a shop charged me for a oil change just to put dirty oil in my car and charge me extra for an alternator and I called and told chime I never got an alternator and they denied that too even after I was on the phone with them at the shop