23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My XXXX XXXX XXXX mother, was scammed and sent 4 checks to someone she did not know. The 1st 3 checks to the same person came out of the Wells Fargo HELOC acct. The checks were XXXX, XXXX and XXXX. The bank was able to get the XXXX back. 
Then my mother sent a Wells Fargo trust checking account check to the same person for XXXX. The bank says my mother signed the check, so, so sorry. I say, she also signed the HELOC checks and you got that back. 
In the interim, XXXX XXXX, a criminal financial investigator, of the XXXX County Sheriff 's Office has requested from Wells Fargo information on what bank was the money deposited by the scammer. At first they said they had no copies of the checks. Due to my diligence at the beginning of this mess, I sent copies to the sheriff 's office and XXXX XXXX told Wells Fargo that he had the copies and would send them to them. As of today, they have asked for an extension. Ridiculous. Our case # is XXXX. Give the man the info, so he can do his job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am unable to get Equifax to unfreeze my credit report. I am *desperate* to get it unfrozen so that I can open a business account at my local bank. 

I froze the Equifax credit report on XX/XX/XXXX and received a 10 digit reference number that I've attached as supporting documentation, but on XX/XX/XXXX Equifax said that it is not sufficient to unlock my report. 

However, I recently successfully unfroze my credit reports with XXXX and XXXX without any issues. I called these companies and provided the freeze numbers and they unlocked the credit reports. 

However, with Equifax I can not get them to even listen to the freeze number because they are too busy trying to harvest new information about me. 

I've attached to this report : My driver 's license front & back, A letter from my apartment manager confirming my residence, An electric Bill and a copy of the freeze reference number. 

But based on my past experiences with this company, I am doubtful that they will help me.
Product: Debt collection

I am formally complaining against Quality Asset Recovery regarding their persistent failure to respond to my repeated requests for validation of a debt they claim I owe. Despite my diligent efforts to obtain the necessary information, Quality Asset Recovery has remained unresponsive, disregarding their obligations under federal consumer protection laws. 

In summary, after receiving notices from Quality Asset Recovery asserting my indebtedness, I promptly sought validation of the alleged debt. Pursuant to the requirements outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Health Insurance Portability and Accountability Act ( HIPAA ), I sent multiple written requests to Quality Asset Recovery seeking : 1. An itemized breakdown of the debt, including all fees, collection costs, and medical charges. 
2. Documentation demonstrating my authorization for the release of my medical information to their agency by the original service provider. 
3. Immediate cessation of any reporting of the disputed debt to credit bureaus until its validation. 

Despite my clear and specific requests, Quality Asset Recovery has failed to provide any of the requested documentation or acknowledgment of my inquiries. Their consistent lack of response not only disregards my rights as a consumer but also obstructs my ability to address and resolve this matter effectively. 

Consequently, I am left in a state of uncertainty and vulnerability, unsure of the validity of the debt in question and unable to take appropriate action to rectify the situation.
Product: Payday loan, title loan, or personal loan

I have a personal loan with Pentagon Federal Credit Union and make principal-only payments as often as possible to pay down my loan faster. The process for principal-only payments at PenFed creates an unnecessary barrier to repayment. First, I have to pay my monthly amount due by phone or online ( I understand that part and I'm okay with it ). I don't have the option to make a principal-only payment at that time. Then, I have to go online and transfer the amount I want to pay towards principal to my PenFed savings account. I can't pay principal-only direct from my external checking account, even though I can make my regular monthly payments from it. After that, I have to wait up to 5 days for the money to become available in the PenFed savings account. Finally, I have to call PenFed to make the principal-only payment. You can not make these payments online and sometimes there is a lengthy wait to speak to someone. 
It is unfair that someone has to take so many steps to pay down their loan and this process may result in consumers not making principal-only payments when they otherwise would because of the time/hassle involved in doing so.
Product: Credit reporting or other personal consumer reports

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

i bought used car and car financing center in XXXX said come back in 6 months to refinance if i made my payments on time. when i did, he kept putting me off and then offered me to buy a bigger car. when i did, it broke down ( I now believe that he stopped the car because he did not like the deal ). he gave me my other car back ( I thought while the other car was being fixed ) and would not give me back the bigger car. then the first car that i bought broke down. he took it from the shop i left it at and repaired it without my permission. i reported this to XXXX. there is a starter stopper and GPS in my car that i did not know about or consent to. but yet credit acceptance corporation sent me a copy when i asked for one that is a declaration acknowledging electronic signature that i never saw or signed. my name is forged! the finance company has no problem with this dealer selling cars that are about to break down and then use the warranty to fix the cars instead of fixing the cars first. the dealer did not give a copy of the warranty either. the dealer had me " buy here, pay here '' and paid my payment late when i asked about refinancing. i asked finance company why they take the payments from the dealer. they said that they did not know who wired the payment. the dealer also keeps a key of the car. i am afraid that the car will not make it to the end of my loan and warranty is up soon. i do not know what else they forged my name on! help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is refusing to update my current balance owed on the card which is stopping me from being able to qualify for a personal loan for a major XXXX that i need, Account # XXXX Balance shown is inaccurate {$910.00} and the correct balance is {$160.00} Because of this high balance I am unable to obtain a personal loan for my medical issues.
Product: Student loan

The school was sued because they werent teaching the correct curriculum and didnt do what they were promised. So this debit was supposed to be canceled and I was suppose to be able to get my money back. I have e-mails messages stating that the debit is canceled, but is still reporting to my credit bureaus as a collection that is 15 years old. The credit bureaus state that collections are only suppose to stay on your bureaus for up to 10 years and then fall off. But these loans that were suppose to be settled are showing that they are 14 years and 11 months old and still showing on my bureau. Not only that they are reporting the same loan 6 times, making it look like I have 6 different student loans, instead of one. Please remove these from my credit report. Thank you
Product: Student loan

After defaulting on one of my student loans, I had scheduled some monthly hardship payments over the phone. The first installment I had scheduled was in XXXX where I spoke to XXXX. She explained my limited options and suggested a settlement plan with their own private debt collection agency. Her explanation was brief and I asked where I could get more information on their specific program/policy. I was told they are common and I could do a generalized search online. I explained how I wanted something company-specific so I could understand what I would be agreeing to with no success. I scheduled 3 monthly hardship payments and ended up calling again in XXXX to schedule 2 more. During that call, I asked again for specific information for their settlement option. I was navigated to the bottom of their website for more something more specific but it ended up being a wild goose chase. This week, I sent a message to their customer support explicitly requesting literature for their settlements be sent to my email address on file. The next day, I was sent a generic reply to call their direct support line so they could better assist me. I do not think it should be this hard to make an informed decision about how I handle my debt.
Product: Debt collection

On or about XX/XX/XXXX, I retained the services of an attorney for the purpose of disputing a debt reported to my credit report with XXXX by Meridian Financial Services. XXXX reported six separate debts ( {$3700.00}, {$3300.00}, {$4100.00}, {$4300.00}, {$1900.00}, {$5600.00} ) to the credit bureau on or about XX/XX/XXXX and XX/XX/XXXX appearing under account number XXXX and XXXX. While preparing documentation for the processing of a Federal Background Check, I discovered the six alleged debts from Meridian Financial Services and XXXX XXXX at XXXX XXXX. XXXX reported inaccurate information that was time-barred by the statute of limitation and in violation of the XXXX Consumer Collection Practices and the Federal Fair Debt Collection Practices Act. They provided a Maintenance and Taxes history in the amount of {$42000.00} dating back to XX/XX/XXXX to my attorney as validation of debt and a copy of a Claim of Lien filed on XX/XX/XXXX. I was never provided with a notice of a Claim of Lien and furthermore I was serving in the military on XXXX XXXX during that period. I had not previously received any correspondence of any kind, bills, or invoices from XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, or Meridian Financial Services on this alleged debt after the foreclosure of the timeshare on XX/XX/XXXX. Nor was I informed of the assignment of the debt to Meridian Financial Services by XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX or Meridian Financial Services. On or about XX/XX/XXXX, I was advised by a XXXX representative that I did not longer owed a timeshare. When purchasing this timeshare interest, I was sold the same as a conversion to a new upgraded program. When receiving invoices for annual assessments prior to the foreclosure, these invoices only listed one contract number as reference for the upgraded timeshare interest. As a result, I have been completely deceived by XXXX and XXXX XXXX at XXXX XXXX on the interest responsibility from my part. Meridian Financial Services is responsible for their share in this transaction. The effects of their inaccurate reporting have caused me to continue to be the subject of unfavorable eligibility determination for a security clearance and is preventing me from employment. On or about XX/XX/XXXX I was denied credit as a result of the many open adverse accounts in my credit report by XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. On or about XX/XX/XXXX XXXX reported four separate debts ( {$4300.00}, {$4600.00}, {$4300.00}, {$4000.00} ) to the credit bureaus with the same attempt to collect one alleged debt. When confronted with allegations, XXXX stated that is attempting to collect delinquent maintenance fees for years XX/XX/XXXX-XX/XX/XXXX. After submitting a complaint through the XXXX XXXX XXXX, Meridian Financial Services now states that they have ceased all collection activity on my account, and such has been returned to the original creditor and is no longer active in their office. Ceasing collection activity is an action required by law for an account without validation.
Product: Checking or savings account

There is no recording of my bank account for the beging opening XXXX XXXX at the end of the night XXXX I depsit XXXX at the XXXX branch somthing was wrong the ATM rate my XXXX. For XXXX the a button. ask did I wont my money back I pushed yes they gave me back XXXX I told the banker about the problem I was not clear on what he told me but he did n't. reimburse me I started. Putting. Money in the bank at night at the end of Ice Cream XXXX day {$100.00}. {$80.00} {$100.00} {$90.00} {$150.00} XXXX The {$40.00} dollars that was pending I didnt get The debit card I had only had XXXX dollars and I could not use It only my card keep decline. Every day XXXX next day XXXX next XXXX It stop at XXXX dollars I needed gas so I use it thay have no record of my account. Only XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I did a lot of banking at XXXX XXXX The bank gave me {$170.00} dollars now the bank is asking for it back there more transactions at the west end branch
Product: Debt collection

I reached out to this company last year and they stated that the information on the account had the same address as me but the information was slightly different. They also mentioned that I would receive a response to the validation I requested, yet I have still yet to receive anything. The FCRA states that " Inaccurate, incomplete, or unverifiable information must be removed '' and it also states that if they must respond or the accounts have to be removed.
Product: Credit reporting

In XX/XX/XXXX I noticed a Bankruptcy docket # XXXX that showed up on my credit that I was not aware of. Imediately, knowing it was not mine, disputed the account with equifax. I even called the court it was listed with and they did not have record of me. They also stated Equifax never notified them about me. It is obvious when looking at my credit file not one account has been listed under a bankruptcy. Please delete this public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 4 accounts showing on my credit report that are not mine, I believe I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX  XXXX XXXX mortgage account # XXXX has been paid and transferred to another lender. Experian CRA is still showing the account as " Open ''.
Product: Checking or savings account

I have been in telephone contact with both XXXX XXXX XXXX, for whom I am a consumer of dental XXXX. And Bank of America owner XXXX XXXX XXXX checking account in attempting to forward payment to XXXX XXXX XXXX 
XXXX XXXX withdraws ( debits ) an amount of {$37.00} each month for being a consumer of their Insurance offered. This month of XXXXXXXX XXXX XXXXXXXX XXXX XXXX have on their under my payment history recorded a payment of {$37.00} on XX/XX/year> as a XXXX payment type premium applied, with no further explanation. 
I am currently attempting to resolve a missing premium payment not recorded under Bank of America transactions when debiting amount due of {$37.00} to XXXX XXXX for the month & day of XX/XX/year>. When contacting Bank of America 's customer service they have notice, also no transaction of {$37.00} had ever occurred on XX/XX/year>. 
I am confused as to how payment was received by XXXX XXXX XXXX for XXXX, XXXX, 2024, with relations to my Bank of America 's transaction history having no evidence of an XX/XX/year> of {$37.00} not having been documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian and sent certified mail. About fraudulent account on my credit report XXXX XXXX Cell phone {$4700.00} XXXX XXXX I file a report with FTC
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX open XXXX {$1200.00}, XXXX open XXXX {$1100.00}, XXXX open XXXX {$1500.00}, XXXX XXXX open XXXX remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Debt collection

This company repeatedly harassed me on my cellphone at XXXX and called me 3 times in a row this company called me 3 times in a row after XXXX on my cellphone, this is a straight violation of The Fair Debt Collection Practices Act. When I told the employee that hes illegally harassing me at night on my cellphone he told me he didn't care and that its not illegal to call me on my cellphone. Then the employee stated that he can call me whenever I want because the address shows Nevada, I never in my life have lived in the state of Nevada and I will not tolerate harassment and breaking the law from this company, I want this account removed from this company effective immediately or I will pursue further legal action. I Live in the state of Florida always have and always will.
Product: Credit reporting, credit repair services, or other personal consumer reports

The aformentioned credit reporting agencies received information regarding identity theft related to the account they are reporting, XXXX XXXX  XXXX XXXX, XXXX and Experian received the identity theft report on XX/XX/XXXX, along with my identifying credentials ( social security card/State ID ). Pursuant to FCRA 15USC 1681c-2 ( a ) these agencies are in violation as they have not blocked this information from my credit report and have continued reporting the information. Additionally, they have not provided me with any documentation as to further investigation into this matter and the dispute has been deemed as resolved on both XXXX and Experian dispute centers located on their websites. I have filed additional complaints regarding the way this situation has been handled with my state 's Attorney General 's office. I am requesting all documentation regarding the method of verification, all information provided by the furnisher regarding this account as I need to ensure that a thorough investigation has been performed pursuant to my rights under FCRA, section 611. As of yesterday, I was notified by credit monitoring that XXXX is allowing manipulation of the payment history on this account. According to their own records, this account was closed and sold in XXXX. Attached, you will see where the payment history has been changed to reflect payments in XXXX and in XXXX, this gross misrepresentation on the account is displaying late payments were made between XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX  XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Account below XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Due to the pandemic I was trying to feed my family and keep up with my bills.
Product: Checking or savings account

My account was always froze because of unrecognized transactions for small dollar amount but never for large amounts.