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

So as I stated in my previous complaint these fraudulent student loans are reporting late payments mind you they are fraudulent. Experience has recede my police report I still have the police report number which is XXXX with the XXXX police dept in XXXX, ny XXXX phone XXXX XXXX. I lost my ID and a multiple years ago I never thought to make a police report until I'm trying to get my 1st home in I noticed that there were student loans which were deemed fraudulent. I have been trying to resolve this matter for over 4 months XXXX has been compliant in the removed every account from my credit report Equifax & XXXX are the only fools who are non compliant as of right now. Please I'm begging you. HELP ME
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX, I went into State Finance in XXXX to get a loan. I was approved for {$500.00} and the payoff was around {$750.00} or so. I got into a bind due to court with my ex and other life events happening, but I told them of my circumstances and why I haven't been able to pay. At times I have told them I could pay a portion or half, and they would NOT accept it. They said I could not pay that, that I would have to pay it ALL. 
XXXX, whom I was speaking to, told me she saw on my XXXX  that I had been going to concerts and traveling, so " what am I doing with all of my money? '' and I " should be able to pay ''. Much more came from her, but that was what I was seriously stuck on... 
First off, she is not on my XXXX, so she is quite literally stalking me at this point. 
Secondly, I didn't pay for any of that. I have amazing friends who knew I was going through a rough time and needed a break. 
I asked to speak to her manager and told her that that was extremely unprofessional and to never let her speak to me again. I absolutely refuse to speak to someone who thinks its okay to speak on her assumptions about me and my life when it is supposed to be a professional conversation. The manager said she would " talk to her about it ''.

Well here I am, again being harassed, but this time my co-workers are getting call after call by them. They told a co-worker of mine ( who isn't a manager ) that she needs to speak to HR about garnishing my wages. 

Online payments can be taken at any amount over XXXX XXXX, so I am not sure why they are telling me rudely that they can not accept partial payments. It seems weird that a loan company would deny taking my money. 

I don't believe this is normal for a loan company to be acting this way. Do they normally tell all of your business to random strangers on the phone? 
I have honestly never dealt with a loan company so extremely unprofessional & trashy in my life I am late {$200.00}. All of the harassment, rudeness, and stalking over {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX .... Balance : - ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX {$400.00} ; XXXX XXXX .... Balance XXXX {$1100.00} ; XXXX XXXX XXXX XXXX .... Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$4200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$5800.00} ; XXXX XXXX XXXX XXXX .... Balance : {$770.00} ; XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : {$3100.00} ; XXXX XXXX XXXX XXXX .... Balance : {$2400.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1900.00} ; XXXX XXXX XXXX XXXX .... Balance : {$390.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX Balance {$4800.00} ; XXXX & XXXX XXXX Balance {$160.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

American Express card company called me at my employment location and demanding a past due payment, my social security number, and my checking account number " harassing me at my employment location ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$160.00}.
Product: Student loan

At one point during the repayment of the loan, my Grandmother was making payments for me. She does not know much about principal and interest. However she would make every payment on time. They were months were she would send a check in to Navient ( possibly XXXX XXXX at this time ) and the money would not be deducted from her bank account within a reasonable time period for that form of transaction. She called customer service to complain about this problem as it happened again this particular month. She explained to them that she has been sending in payments and that they have been coming out weeks after she sent in the check. The customer service representative told her that there may have been a backup in their systems and that they have not processed the check yet. However, I believe that this was apart of the bigger scam of Navient ( XXXX XXXX ) holding payments to maximize interest and minimize your principal payment in order to keep you in the loan terms longer. The very next day after this call they somehow found her check and processed it. They have been practicing dirty business for a while now, and it needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mullen Finance still has my account as a repossession after I have written to then and disputed this multiple times. 

I was completely caught up on my car payments when my car was towed for parking tickets. This happened right in the middle of covid while I was in a desperate situation as it was financially. While I was trying to come up with the money to get my car out of impound without working at that time, Mullen Finance decided to take my car out of impound. They were obviously allowed to do this legally because they were the owners of my car until my car was paid off. After the car was back in their possession, the only option given was to fully pay off the car along with all of the parking costs, totally around XXXX XXXXXXXX. 

I tried every avenue possible to get this but it was not possible given it was during covid. 

This has had a horrible effect on my credit or being able to finance a new car or anything else. 

I dont think this is valid as a repo for the fact that I was completely caught up on my car payments and especially because it was during covid.

During my time financing with Mullen, I had some months that were late but I always made them my first priority to pay even during Covid.
Product: Debt collection

TRANSUNION, XXXX, XXXX. Continually blocking me access to my credit reports logon and reporting damaging denials before any investigations. Discrimination.
Product: Checking or savings account

A letter was sent to me by Wells Fargo on XX/XX/XXXX in regards to an incorrect social security number that was entered nine years ago by the banker for my son 's information on our Safe Deposit Box. The letter stated " We recently sent you communications requesting that you provide us with a completed Form W 9. As we did not receive a completed Form W 9 we will be closing your above referenced accounts ''. I called the number on the letter and the agent told me to make an appointment at the branch to correct the error. When I went to the branch the Personal Banker did every thing she could to correct the error. I had already made payment for the box and the bank cashed my check XX/XX/XXXX for the rent due on XX/XX/XXXX for the year XXXX. 
Wells Fargo would not work with my banker in resolving my account. We had no choice but to clean my box and close my account. I was told that it was final and they were going to cancel my lease agreement and access to the box XX/XX/XXXX Since then I received a call from a Escalation Representative at Wells Fargo in XXXX Or. He was to get back to me with a copy of the original letter by XX/XX/XXXX. Today XX/XX/XXXX I contacted him again to be told that an email was sent to me by another Senior Escalation Representative at Wells Fargo. I did not receive any emails from that Rep. I asked to have the email sent again. The answer was that person had to give permission to resend the email. Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a certified letter ( XXXX ) to Santander Consumer for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with Santander where the practiced predatory loan practices in the State of PA. Santander agreed to remove all loans from consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$40.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Mortgage

XXXX XXXX  has created an extreme amount of stress in my life and are attempting to kick me out of my home. The received my loan via a loan transfer from XXXX in XXXX of XXXX. Prior to my loan being transferred to XXXX, XXXX gave me a modification in XXXX of XXXX. The modification deferred 30 % of my principal and gave me a 4.25 % interest rate. I was to make three payments and then XXXX was going to give me a permanent modification. However, after I made my first two modification payments for XXXX and XXXX on XX/XX/XXXX and XXXX XXXX respectively, my loan was transferred to XXXX on XX/XX/XXXX. I was not advised of the loan transfer and attempted to make my final modification trial payment due XX/XX/XXXX on XX/XX/XXXX to XXXX, but they advised me that the loan was transferred to XXXX. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX to make my final trial payment, but their representatives wouldnt take my payments because they advised that the loan hadnt transferred yet. XXXX  wouldnt take payments and I convinced XXXX to accepted the last trial payment at the end of XXXX of XXXX. Then XXXX sent me a letter and wanted me to make three more payments and offered her 6.375 % for the balance of the loan. XXXX said that the old modification fell through because I didnt make the last trial payment!!! I have tried multiple times to get XXXX  to fix this, but I am getting shut out and I see that ultimately I will lose my home through foreclosure. XXXX has set a sale date of XX/XX/XXXX on my property. I dont know what to do and am so frustrated and afraid that I will to lose my home. It is shocking that XXXX has done this to meand probably others. I am an elderly woman and there is no way I am going to let XXXX get away with this and take my home away.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, Paypal decided to " permanently limit your account as we found potential risk associated with it '' after I received funds from my husband 's account. The fund was for a business loan payment that we both owe. Not only did Paypal charged us fees for " goods and services '', but it is tieing up the fund for 180 days as an interest-free loan to Paypal. This is completely unacceptable to steal our money, charge us fees, and immediately prevent us from doing anything with the funds. I can't refund, withdraw, or send it out. This is stealing.
Product: Checking or savings account

Attorney Information XXXX XXXX XXXX, XXXX, representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Institution Name : Bank of America , N.A . 
Account/Product Type : Personal Checking Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : United States XXXX XXXX : XXXX Claim Numbers : XXXX ; XXXX ; XXXX Complaint XXXX XXXX, was a victim of fraud and fraudulently induced to transfer money to a fake account, and other fraudulent transfers on XX/XX/XXXX, XXXX She immediately and in good faith submitted all of her documents detailing each charge adding up to {$13000.00} in fraudulent purchases and transfers. 

The Electronic Funds Transfer Act states that XXXX XXXX 's liability should be limited to {$50.00} because she reported the fraud less than 2 days after the occurrence. 

In violation of the XXXX, the Bank refused to pay on her claims of fraud. The Bank is insured for this event. Refusal and failure to reimburse XXXX XXXX for the amounts to bad faith, a breach of fiduciary duty and gross banking malpractice. 

My office has made numerous attempts to contact Bank of America, with signed authorization from XXXX XXXX and have not received any cooperation or acknowledgment Request for Resolution : XXXX XXXX demands reimbursement in full for the {$13000.00} owed to her under her fraud insurance claims. In addition, XXXX XXXX demands reimbursement of her attorney fees in the amount of {$2700.00} Total for claim amount and attorney fees is {$16000.00}
Product: Debt collection

I Consumer XXXX XXXX XXXX XXXX entered into a consumer credit transaction with CarMax Auto XXXX, XXXX XX/XX/2020. A consumer credit transaction in which a finance charge was involved 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance does not include cash, but CarMax Auto XXXX XXXX took cash. The Finance charge is suppose to include insurance, but CarMax Auto XXXX made purchase Separately. 

XXXX XXXX DEPARTMENT HELPED XXXX XXXX XXXX RECOVERY REPO MY VEHICLE ILLEGALLY FROM XXXX XXXX XXXX PARKING LOT VIOLATION 15 USC 1692 E ( 5 ) & 15 USC 1692 D ( 1 ) & 15 USC 1692 F ( A ) & ( B )
Product: Credit card

Did not authorize charge on account ending In # XXXX charge for {$3400.00} on XX/XX/23 from NO 1 Gold sour deira. I need a credit ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of the recent data breach at I think it 's unfair that I have to pay to freeze and thaw my credit report three separate times when the information I am paying to freeze/thaw is information I never asked to be collected in the first place. Why is it my responsibility to pay to protect the accuracy of unwarranted data collection by a third party? I 'm at risk of having my identity stolen and the only protection is for me to pay money to three companies, one of which has already proven itself to be incompetent. This is ridiculous and I think legislative action needs to be taken now to prevent further disasters like this.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the account and inquiries listed below from my credit report. I am a victim of a data breach, and these items were added to my credit file without my knowledge or authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that this fraudulent information be removed from my credit report promptly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that do not belong to me. I have been fighting this for months. 

These following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. I have reached out to the creditors but I have not received any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian, XXXX, XXXX to dispute inaccurate items such as my name, addresses, phone numbers, closed accounts, social security numbers, open accounts on my consumer report asking that they be investigated and removed all derogatory accounts Experian, XXXX, XXXX has violated my rights according to the law 15 U.S. CODE1681 section 604 A section 2 ) the law states that the reports from Experian, XXXX, XXXX has to be 100 % accurate. Also they have violated my rights according to 15 U.S. CODE1681 section 611 ( 5 ) ( a ) ( i ) ( ii ). The law states that if items are found to be inaccurate are can not be verified the consumer reporting agencies shall promptly DELETE the information from my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Numerous variants/misspellings/letter inserts & omissions of my name submitted by different marketing companies.

2. Incorrect addresses/misspellings submitted by different marketing companies.

3. All of the above should be deleted.
Product: Debt collection

I am writing to file a formal complaint against JPMorgan Chase, regarding an erroneous {$5800.00} charge-off that has been added to my credit report. Despite my repeated attempts to rectify this issue, JPMorgan Chase has failed to provide any evidence substantiating the legitimacy of this debt. I have sent three letters to the company requesting proof of ownership and clarification, yet I have received no response other than a document requiring me to demonstrate that the debt is not mine. This unresponsive behavior has led me to seek assistance in resolving this matter through the appropriate channels. 

As a consumer who prioritizes maintaining an accurate credit history, I am deeply concerned about the potential implications of this false debt on my financial well-being. The actions of JPMorgan Chase in neglecting to address my legitimate concerns have not only caused undue stress but have also violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached copies of the three letters I previously sent to JPMorgan Chase, along with proof of delivery, to demonstrate my earnest efforts in resolving this matter directly with the company. I kindly request that these documents be included as part of my complaint for your thorough review and assessment. 

I hope that your intervention will encourage JPMorgan Chase to acknowledge their error, rectify the situation promptly, and take necessary steps to prevent similar incidents in the future. I eagerly anticipate your response and the resolution of this unfortunate situation. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

I have an auto loan with U.S Auto Sales. On XX/XX/XXXX, my car was disabled with a kill switch. I have a XXXX XXXX XXXX XXXX. I called U.S Auto Sales on XX/XX/XXXX to see if they disabled my car, and I was told they did disable my car due to me not paying my bill on time. I was confused, considering the fact that I was not late with any of my payments. I paid {$220.00} biweekly and I was always 5 days early with each payment. Because my car would not start, I had to miss work on XX/XX/XXXX as I did not have transportation to get to work and I was not able to return to work until U.S Auto Sales enabled my car again ( XX/XX/XXXX ). I was told my car would be cut back on on XX/XX/XXXX after they could not find proof that I was late on payments ( because I was not late on any payments ), but my car still did not get cut on until the next day. I am unable to access documents due to U.S Auto Sale 's website being unavailable. This act was extremely unprofessional and egregious on behalf of U.S Auto Sales. I spoke with several representatives, who did not seem to care about what I was experiencing at the moment.