23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I went to XXXX XXXX XXXX ( XXXX ) with XXXX XXXX to co-sign a personal loan because she was in debt and could not get a loan to pay her bills from any bank or credit union because of her current bankruptcy status at that time. We agreed that she would pay back the loan in full amount with monthly timely installment payments. During the process, I remember signing the documents then passed them to her to signed. She said she would make copies and give them to me later. She never did give me a copy. Months later, she was homeless, and I offered her my guest room temporarily. During her temporary stay, I started to receive delinquency notices of past due payments from the credit union and a disconnect notice from XXXX XXXX company. I decided to evict her out of my home because she was very financially irresponsible, disrespectful, and recklessness with my credit rating. XX/XX/XXXX, I went to XXXX XXXX, got a copy of the loan, spoke to the Branch Manager w/ no help, and notice that the signature and initials were not mine, XXXX XXXX signature and that of the XXXX representative, XXXX XXXX, were missing, a debt sheet with creditors of XXXX XXXX XXXX, and the personal loan was only in my name with my SSN, Phone #, and XXXX  XXXX 's email . At that point, I decided to contact all the necessary agencies to start the process to end my identity involvement is this alleged loan fraud and predatory lending practice by the representative and the XXXX. XX/XX/XXXX, I called the XXXX XXXX XXXX and XXXX XXXX and received a message to file a report via FTC website. On XX/XX/XXXX, I went to the XXXX branch and had to pay {$1400.00} to bring the account current to stop getting my credit report hit with 30 day late notices from XX/XX/XXXX after talking with a representative the day prior because I notice my credit score was in the XXXX hundreds down from the XXXX and XXXX and had to password protect my account in person at the physical XXXX branch. Corporate office was no help, they just give excuses about they would investigate. Currently in the process of obtaining an Attorney for filing with the Courts.
Product: Mortgage

I'll try to make this brief as possible, covid impacted also exemployer broke DOT and FMCSA laws found guilty had to leave to protect my life and license, fell behind several months mortgage sold to a company called Shellpoint after having several serious issues and gathering info RED FLAGS popped up on laws suits on wrong billing improper information LIES committing criminal acts for personal greed, gain, and self interest like abusing religion to steal land and not pay taxes Thank you
Product: Credit card or prepaid card

Recently purchased XXXX XXXXXXXX from a reseller for XXXX The receipt indicated a different date and the product was defective. Reseller refused to accept the return but XXXX was able to replace the charger for the XXXX. Per the discussion with the XXXX XXXX requested PNC to dispute the transaction and refund. PNC indicates they have investigated and refuse to refund the {$310.00} for the defective item. 

XXXX has provided written feedback on the defective sale which is with PNC. Require PNC to reverse the payment and provide information on why they have not yet provided this service.
Product: Mortgage

Faye servicing was my mortgage servicer. I did a refinance with another company and they recorded my lien release in the wrong jurisdiction ( XXXX instead of City of XXXX VA ) my house is under contract with a closing date of XX/XX/22 ( which i have now missed ) and the purchasers attorney will not close until the lien release is recorded in the proper jurisdiction. I and my settlement company have been run in circles trying to get this resolved with no cohesive response. the contact persons involved are not helpful or have a sense of urgency. my main contact there is XXXX XXXX that has gone dark in his responsesXXXX, email is XXXX XXXX
Product: Debt collection

XX/XX/XXXX The US Department of the Treasury wrote me and stated the US Department of Education referred me to them to collect a debt I owned. 

XX/XX/XXXX wrote letter to US Department of the Treasury that I do not owe this debt. 
The US Department of Education has incorrectly identified me as owing {$100000.00} in student loan debt. 
Now, the Professional Bureau of Collections of Maryland has started taking money from my Social Security benefits. 

XXXX with no notice or reason defaulted my consolidation loan of {$45000.00} in XXXX. 
I had been making continuous payments for over five years XXXX to XXXX totaling over {$30000.00}. XXXX defaulted my loan for the entire {$45000.00} as if I had never been making payments. XXXX never said why they defaulted my loan. 
I need the collection activity to stop. This is my only source of income in my retirement and it is greatly effecting my quality of life.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute a fraudulent vehicle purchase and loan agreement associated with my name and personal information. On XX/XX/XXXX, a XXXX XXXX XXXX was reportedly purchased at Quality Automotive located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX under my name and with financing provided by XXXX XXXX XXXX. However, I did not sign for this loan nor was I present at the time of the transaction. 

To clarify, I did not authorize the purchase or loan and did not physically sign any documentation for the vehicle. I have never been to the dealership, nor have I interacted with the seller, XXXX XXXX, at any point in time. Upon contacting XXXX XXXX regarding this issue, I was given the run-around and directed to speak with the owner, who has failed to provide a resolution. As a result, I have also contacted XXXX XXXX XXXX, submitted an identity theft report, and requested an investigation, but was informed that there was nothing they could do to resolve the matter. 

This situation clearly constitutes identity theft and fraud, as someone else used my personal information without my consent to procure the vehicle and loan. The actions of the dealership and any individuals involved in this fraudulent transaction are unlawful and a violation of my rights under both federal and state law. 


I request that you immediately investigate this matter and take the following actions : XXXX. Provide a full investigation into this fraudulent loan and the circumstances surrounding the vehicle purchase. 

XXXX. Cancel the loan associated with the fraudulent transaction and remove any associated negative credit reporting resulting from this matter. 

XXXX. Provide written confirmation that no further action will be taken regarding the loan under my name, and that my credit report will be cleared of any fraudulent accounts. 

XXXX. Initiate legal action if necessary against the individuals responsible for this identity theft and fraud, including the dealership and any employees or agents who facilitated the transaction. 

This situation is in clear violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable state laws governing identity theft and fraud. Under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), the use of someone elses personal information without consent is a federal offense. I am entitled to dispute this fraudulent transaction and request that any associated debts be nullified as I have not authorized them in any way. 

I kindly request that you treat this matter with urgency and provide me with an update on the status of your investigation at your earliest convenience. Please confirm in writing that this fraudulent loan will be removed from my records. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Product: Credit reporting or other personal consumer reports

I have communicated with this company on multiple occasions explaining that I did not open this account nor did I ever receive any merchandise from them. I need this account removed from my credit report immediately. I am a XXXX XXXX of XXXX and it is hindering me from securing housing and moving forward in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with a fair credit reporting act XXXX  account XXXX XXXX XXXX amount of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights : Protection of consumer credit rights 15 66. ( 1 ) A credit provider must not, in response to a consumer exercising, asserting or ( a ) discriminate directly or indirectly against the consumer, compared to the 40 credit providers treatment of any other consumer who has not exercised, asserted or sought to uphold such a right ; ( b ) penalize the consumer ; ( c ) alter, or propose to alter, the terms or conditions of a credit agreement with the consumer, to the detriment of the consumer; or ( d ) take any action to accelerate, enforce, suspend or terminate a credit agreement with the consumer. 
( 2 ) If a credit agreement, or any provision of such an agreement is, in terms of this Act, declared to be unlawful or is severed from the agreement, the credit provider who is a party to that agreement must not, in response to that decision- ( a ) directly or indirectly penalize another party to that agreement when taking any action contemplated in section 61 ( 1 ) ; seeking to uphold any right set out in this Act or in a credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ~ ~ ~ ~~ ~ ~~ ~~ Act No. XXXX NATIONAL CREDIT ACT, XXXX ( b ) alter the terms or conditions of any other credit agreement with another party to the impugned agreement, except to the extent necessary to correct a similarly unlawful provision ; or ( c ) take any action to accelerate, enforce, suspend or terminate another credit agreement with another party to the impugned agreement. 5 Part B Confidentiality, personal information and consumer credit records Conflicting legislation 67. In the case of an inconsistency between a provision of this Part read with any relevant definition in section 1, and a provision of the Promotion of Access to 10 Information Act, 2000 ( Act No. 2 of 2000 ), the provisions of this Part and that Act apply concurrently, to the extent that the provisions of this Part are not excluded in terms of section 5 of that Act.

Right to confidential treatment 68. ( 1 ) Any person who, in terms of this Act, receives, compiles, retains or reports any 15 confidential information pertaining to a consumer or prospective consumer must protect the confidentiality of that information, and in particular, must- ( a ) use that information only for a purpose permitted or required in terms of this Act, other national legislation or applicable provincial legislation; and ( b ) report or release that information only to the consumer or prospective 20 consumer, or to another person- ( i ) to the extent permitted or required by this Act, other national legislation or applicable provincial legislation; or ( ii ) as directed by- ( aa ) the instructions of the consumer or prospective consumer; or ( bb ) an order of a court or the Tribunal.

in relation to this section, is an offence.

25 ( 2 ) Failure by a credit bureau to comply with a notice issued in terms of section 55,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Equifax and XXXX 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 are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance : {$720.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$61.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

Ive been the victim of identity theft. This is mostly XXXX and XXXX fault for leaking my information. 
There is 3 different names on my credit profile. I have filed a FTC Identity theft report and also filed one with the Department of Defense, And NCIS. 
Ive followed this correctly to a T and filed everything correct yet XXXX, Experian, And Especially XXXX refuse to remove all these accounts with the name XXXX XXXX, and XXXX XXXX. I have submitted my Military ID, Social security card, Passport and more and the info is still not removed. 
If this process allows me to attach the FTC complaint and other docs ill attach them here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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 also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit act XXXX XXXX XXXX Account # 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 that a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector. or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Money was sent via XXXX to my account and I forwarded the money to my daughter. The person who sent the money to my account then reported to his bank that he never sent it. This has caused me to not be able to use the XXXX feature on my account and the person fraudulently was returned his payment that he sent. Which encountered an financial error on my account. I have spoken to my bank numerous times to fix the issue and never am I able to get a understanding of how it was possible for the person to send money to my account only to later LIE and say he never sent it. My account is still affected by this.
Product: Credit card

Bank of America failed to support my claim for fraud on my XXXX XXXX XXXX XXXX banking card. I reported the claim in XXXX of 2024 and they credited me for the charge. I called in after getting a letter later in the fall of 2024 stating I lost the claim and I called and the bank of America representative said I won it and not to worry, in another month I was recharged for the same amount on my card, I called back and they said I needed a doctors second opinion and to reopen the claim and I went and made an appointment and got the opinion and an affidavit from a witness and then they said to upload it to a portal and the portal did not work, I uploaded it ten times and I sent it via email and I called in XXXX an they said it was processing and i called in XXXX and they said it had 60 days to review and I called in XXXX and they said they never got my documents so i sent them via fax and through the mail asap and then they denied the claim saying it ran out of time and they cant dispute it anymore and I lost approximately {$2300.00}. The Bank of America portal for claim dispute evidence is broken and doesn't work. I am having to sue the person for the fraud on the card and now I have to sue bank of America for this XXXX fraud from their employee who lied to me and because they refused to accept my documents and their portal is broken and does not work, I uploaded the documents several times and I am out the cost of missing work to go see the specialist and the cost to see the doctor. I lost the time and the money. It is absolutely horrible treatment by Bank of America when they call you a valued customer, they do not care they are outdared dinosaur technology and I had to spend 10 hours on the phone dealing with this XXXX, It put me in tears I was so frustrated and upset I have suffered great mental anguish.
Product: Credit card or prepaid card

American Express re fuses to issue statement credit for card opened during eligible promotional period.   XXXX   XXXX   XXXX   My original inquiry to the Customer Service department has resulted in  2 inte rnal ' investigations ' that were both closed without any correspondence to myself by a representative of American    Express. My follow ups have failed to resolve the issue. The account is eligible as per the above press release verbatim and the promotion was the defining reason I applied for the account.
I attempted to resolve this issue with help from the Better Business Bureau ( c  omplaint #  XXXX   ) bu t that was met with no investigation to the actual issue and just passing 'notes ' back and forth between the company which is something I was capable of doing myself. The first attempt was a mailed letter from them in attempt to reach the default timeout period against the complaint.     The details on their very own press release ( link included in the original complaint message ) dated  XXXX   XXXX ,    2016  states very plainly that " New Card Members who apply by  XXXX   XXXX ,  2016  can earn up to {$200.00} cash back in the form of statement credits '' and that " Additionally, new Card Members will also earn {$100.00} cash back in the form of a statement credit ''.     My account is eligible for those promotions based off opening my card prior to the specified end date and meeting the purchasing requirements  ( all Wireless Phone Service payments for th e remainder of    2016  were made via the referred card and the second requirement of making {$1000.00} in purchases during the first month of membership was also met ).
Product: Credit reporting or other personal consumer reports

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of XXXX XXXX. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Product: Mortgage

Attempt to extort Insurance Payment ( s ) for non-existent loan!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries remain on our credit reports for a couple years, hurting our credit score and affecting our ability to obtain credit. 

Some shady door-to-door company, XXXX, came to my house in XX/XX/2019 selling alarm systems. They asked for my social security number when I asked them pre-sales questions. I refused to provide it, as I was just inquiring and did not want my credit pulled. They asked for my name and they had my address already. They plugged it into something and said excited they didn't need my social security number. I didn't think anything of it at the time. Now, I see on my Transunion credit report, they pulled my credit anyway. I hadn't even signed up for service when they pulled it. They pulled it without my permission. 

Also, someone fraudulently opened a XXXX account in my name in XX/XX/2019. Transunion removed it from my credit report. However, there is still a credit inquiry on my Transunion credit report. I shouldn't be dinged for something I had nothing to do with. 

I reported these 2 false credit inquiries to Transunion. They just sent me back a Captain Obvious letter stating what a credit inquiry is. 

Transunion needs to remove the XXXX and XXXX credit inquiries from my credit report.
Product: Debt collection

Hi this debt was from a management company. We told them we were moving and we gave them our notice of leaving we paid a d discussed our deposit and all such things. They sent a lease and we ignored it because we knew that they knew we were moving. Then we moved and they sent us a notice you owe us a large amount not sure exactly what because we didn't sign the lease and not signing the lease is equivalent to reaccepting the lease. But we told them we were moving the management has been harassing us and the debt collector has been abusing us and being very rude. They made my wife very nervous and anxious and we would like to a dispute the debt and b sue them for their harassment please a law abiding citizen.
Product: Debt collection

I had 2 different hearing with them at the court. First ( XX/XX/XXXX ), they sent random attorney has no idea what is going on only asking how I would like to pay the amount. I said I need to explain why I didnt pay but he wouldnt listen and set another hearing day because he was just showing up for XXXXXXXX XXXX XXXXXXXX. My second hearing ( XX/XX/XXXX ) was again with a random attorney showed up for XXXX XXXX XXXX  who wanted to get another hearing date because he was just there to show up for XXXX XXXX XXXX  I said I wanted to set a trial date because this will never end. And we did. Right before trial date which was XX/XX/XXXX. Attorney called me from XXXX XXXX XXXX named XXXX XXXX on XX/XX/XXXX XXXX day before trial date. We made a deal original amount was XXXX but we agreed on {$2100.00} in 2 installments XXXX 2 months. They said I would receive a letter about this and all the instructions and I dont need to show up on trial next day. I never received any information. On the agreed payment date I tried to contact them but I couldn't reach thru their phone numbers. I filled a form on their website how to pay amount. They emailed me back said ''You can go to our website, XXXX. you will need your routing and account number and your file number which is in the subject line '' When I enter my file number amount wasn't agreed amount. it was original amount. I asked them back if they fix it so I can make the payment because I wasn't able to change the amount myself. They never responded. After almost a year, I received court hearing date and now my bank account has garnishment. I cant use my account. I cant login to my bank account. I cant make any of my payments to other companies. I never missed single payment all my other accounts but now XXXX cant even see if the payments are going thru.