23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchase a car in late XXXX through a dealership here in XXXX Florida. At the time my credit was not great, and they claimed the only lender that would finance me was American Credit Acceptance. I realize now, that this probably was not true but the finance manager made the biggest commission getting me to take this loan. The car has been nothing but problems, a COMPLETE lemon. That really is on me for not having it checked independently but the dealership made me wait while the bank " inspected '' the car. Clearly they did not as I have put over {$5000.00} in repairs and have another $ XXXX {$2000.00} to go before it is fully repaired. Anyway, that is a bit off topic but does tie in to my current predicament. My original loan agreement stated that the interest rate was 29.32 %. I expressed concern to ACA over this and now it shows only that my rate s 28 %, though my payment has not changed XXXX cent. I know the difference of XXXX and XXXX third points will not make a big difference but it has not changed at all. Also, I borrowed approx. XXXX. I do not know the exact amount but I have been paying them nearly {$600.00} a month ( with the exception of one month I made payment arrangements due to having the car in the shop AGAIN ) and last month which I have made arrangements to pay later this month. Well, all these payment were made and my balance has gone down less than a thousand dollars. From XXXX of XXXX until today I have paid them {$4900.00} and they have only applied {$730.00} of this towards my principal balance. 
Additionally, I attempted to do the math and if I were to keep this loan until paid off I will pay {$20000.00} in interest on a loan of less than {$18000.00}. I have reviewed Florida 's statutes regarding auto loans and I believe this to be usury.
Product: Debt collection

XXXX had 4 collections on my credit report 1 was deleted when I disputed thru XXXX. The other three they claim are from XXXX XXXX Hospital family practice which dont have any record of me or my children owing any bill at any time. Me and my children have all been going to XXXX XXXX XXXX XXXX since they were born and I was a child. We still go to this family practice till this day and they have no idea what XXXX XXXX is talking about. I asked for verification of the debt and to compare to XXXX XXXX database and even the names of the physicians are not in me or my childs medical records. XXXX XXXX is  reporting false information on my credit report and have been affecting my credit for years. Oh and they also tried to say we have your health insurance on file but I supposedly said dont charge my welfare insurance even though they have been paying for all on me and my childrens medical needs since I have been and adult.
Product: Debt collection

XXXX internet offer 's Third Party Router service for home recently Sold. New owner 's transferred service into their names. XXXX notified that router would transfer to new Owner 's service. I have called into to XXXX ( no clue if this is a legitimate company, as they wont identify. ) Robot answers phone, can't understand anything said. Asked for Customer service, it transfers you to a line for a brief waiting period where it then states " There is no one available to take your call. '' Website is provided but the recording is 100 % indistinct and can not be understood. Phone number for initial follow-up was texted in a photograph to me ... XXXX. Not once have I been forwarded written notification of this issue. When cancelling my last service at XXXX they were given my new address. It is {$59.00} I suposedly owe, and If in fact I do I will gladly pay, but I will not be taken advantage of by a company whose act of reaching out is predatory in nature. I work for a XXXXXXXX XXXX  and will pursue this to it's full extent.
Product: Student loan

I currently have a loan through " Figure MOHELA '' and I am attempting to refinance through " XXXX. '' On XX/XX/XXXX, the dispersement was sent from XXXX to MOHELA but was refunded for some reason. I have spoken to reps from each company multiple times and neither will take fault for the error. On XX/XX/XXXX, XXXX states they resent the payment to MOHELA. XXXX states that this was not an XXXX error and MOHELA also states that it is not their fault because they would only send back payment if " sent to an incorrect address for a different loan type. '' Currently as of today, XX/XX/XXXX, it seems as though MOHELA has still not received payment. I am still collecting the interest at the higher rate with MOHELA at 4.05 % compared to my new rate with XXXX at 3.96 %.
Product: Debt collection

I have contacted this company XXXX XXXX XXXX XXXX several times the last time being XX/XX/2022. I requested Validation of the debt they are trying to collect and they continue to send me an envelope full of billing statements. I requested an original contract bearing my signature. If you could please have this company supply a contract or something with my original signature so that I know for sure this is my debt. If they cant provide this information could you please have the remove all of this negative reporting from my reports. I have sent them proof that all three credit bureaus are reporting different information on this account so this further confuses me on this being my debt.
Product: Debt collection

I was contacted by XXXX XXXX who said that I owed a debt and they refused to validate the debt. When I filed a complaint with the BBB, I received an answer stating that " XXXX XXXX is a third-party collector for LVNV and they had no information on the debt. '' LVNV needs to remove this debt from my credit report and cease contacting me as they refused multiple times to validate the debt and provide any information where I agreed to do business with them. This has been going on for a long time and LVNV keeps having third parties contact me, as witnessed by XXXX XXXX contacting me. All of these are clear violations of the Fair Debt Act. 

All information regarding this debt needs removed from my credit report immediately.
Product: Checking or savings account

On XX/XX/2023 I received emails from Bank of America that an online application was filed and approved. There were several emails and I went to Bank of America on XXXX XXXX XXXX XXXX Washington XXXX DC on XX/XX/XXXX at XXXX. I met with a representative there and they contacted their fraud department and stated that someone did open an account in California. They were able to have that account closed and blocked. XXXX XXXX I received more emails about an application and it was approved. I spoke with them again stating that I did not open an account. At this point I am furious as someone is able to open accounts in my name with my address ( my parents address, not my current address ). XX/XX/XXXX and XXXX another email with them welcoming me to Bank of America. I have no where else to turn to about this matter and need to know what my next steps are and how do I go about this? They will not give me corporates number. 
I have all of the emails printed out as well.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX ( on behalf of Avio Credit ) ran a debit transaction on my debit card for approximately {$2800.00}, without any notice or authorization. I originally took out a loan with Avio Credit in XXXX of XXXX, and subsequently worked out a payment plan with Avio Credit and XXXX XXXX in XXXX of XXXX. The first payment did not go through, and I attempted to contact both companies but received no response and received no further communications from either entity ( XXXX XXXX claimed to have sent letters but I have received no such letters from XXXX XXXX ). 

A year later, XXXX XXXX charged the {$2800.00} referenced above to my debit card without any notice or consent. In doing so, the charge caused a number of items to bounce and led to approximately {$400.00} worth of overdraft fees. I also cancelled my debit card because the transaction appeared fraudulent ( and was traveling when this happened, making this even more difficult ). I subsequently contacted Avio Credit on XX/XX/XXXX, and was told that they had placed the account with XXXX XXXX and didn't run the transaction themselves. On XX/XX/XXXX, the first day I could get a hold of someone at XXXX XXXX, I was told that they believe the transaction is valid and that they would not refund it. 

I have disputed the transaction with XXXX and intend to take legal action, but wanted to raise the complaint here because this is a clear abuse of the FDCPA. Running a debit card transaction for the whole " amount '' without notice or consent is unconscionable and amounts to theft. In doing so, Avio Credit and XXXX XXXX essentially placed themselves above essentials such as food and daycare, as well as other creditors who now will not get paid because of their tactics. I say " amount '' because I had no way to verify the amount since there was no notice - there's no way to know that XXXX XXXX did not add fees or interest. The practice is unconscionable and against the law, and both agencies should be thoroughly investigated and punished accordingly.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the Ability Recovery Service XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this keeps on reporting inaccurately in my credit report because I dont recognize that account base on the report of Ability Recovery Service . Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations. Below are the violations reported : XXXX ) Date when the account was opened is inaccurate, reporting and violating the FCRA laws because I havent opened any account this year in the institutions mentioned above in my XXXX credit report, please provide in writing the agreement of this account. This type of manipulation puts me in financial harm as it shows that account in collections in my credit report. Attached to this file there is a copy of my XXXX Credit Report. XXXX ) The account doesnt show payment history or monthly transactions reporter. This manipulated my credit score intentionally as the report attached do not shows updates and changes in the account. XXXX ) No credit Limit at all, no higher balance and neither payments to the account. I have previously disputed this account on my credit report and you VERIFIED these to be 100 % accurate on my credit. 1681of the FCRA states if any information after reinvestigation is found inaccurate, the account must be DELETED!
Product: Credit reporting, credit repair services, or other personal consumer reports

Went online to lift a security freeze. Online said I my social security and date of birth don't align. I called customer service and went into a automated response loop which could not resolve the problem. Finally got someone to answer my call by going through another department. Although the computer doesn't recognize my account I'm told I have a PIN number which I obviously don't have because they don't recognize my account. When I asked for verification through security questions they told me they don't have any security questions for my account. 

I have been on the phone with my 6th agent after numerous transfers by people who said they could not address my issue. One disconnection and no way to call the person I was speaking with back. All in all over an hour and a half and still nothing is resolved. 

This whole thing seems to be a cluster on their end and I am trying to get a loan and have been told there is a freeze on my information. Beyond frustrating with no one being able to address my problem. Don't really know where to go with resolving this situation.
Product: Debt collection

I disputed this as a fraud charge and asked that for it to stop being reported on my credit until resolved, but they did not.
Product: Checking or savings account

Bank of America submitted my account for closure with no warning. When I contacted them on XX/XX/2024, they said my account was being reviewed for closure and it was set to close on XX/XX/2024. I told them a refund from my FSA was submitted in the amount of {$350.00} and I needed that money for treatments I am going through. As the refund has not posted, I asked if they could cancel and return the refund. They told me no. I was told to call back in 2-3 business days once it had posted to see if they would file a hardship request allowing me to go into a branch and access my funds. I called back the next day and the request was filed. Was told it could be approved or denied quickly or up to 5 business days. Called back the next two days and on the second day the rep told me he would send in the request again and I can call back in a week to see if it was approved. 
At this point they are holding my $ $ that I desperately need for medical treatments. I dont care if they close my account, I just want my $ $ that I feel they are wrongly withholding from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX via phone and via email regarding in accurate reporting. They were supposed to do a internal investigation but I still to this day haven't heard anything back. Below it the letter I have sent to them too as well. 


Loan Number : XXXX Payments : XX/XX/XXXX - XX/XX/XXXX I have been a XXXX XXXX customer since XXXX, and during that time, I have enjoyed my experience greatly. I am writing now to see if you would be willing to make a goodwill adjustment to your reporting to the main credit agencies ( XXXX, XXXX, and Experian ). I have two late payments on the account that I referenced above that date back to XX/XX/XXXX and XX/XX/XXXX. Since that time, I have been an exceptional customer, paying all my other monthly payments on time. 
Because of my exceptional payment history over the last 2 years, I would like you to consider removing the late payments from my credit report. I did not intentionally mean to be late on my payments, but due to the unexpended end of my government contract I was out of suddenly out of employment. I also at that time only had one salary in the household. Both payments were last then 30 days late. 
It does not justify why the payments were late, but rather there to show that these late payments are not a good indicator of my actual creditworthiness. I hope that XXXX XXXX is willing to work with me on erasing this mark from the reports. I am now knowledgeable and clearly understand the importance of credit history and would greatly appreciate it you could make the adjustment. 

Also, for the month of XX/XX/XXXX there was an error when processing my monthly payment. My monthly payment that I pay is {$1700.00}. There was an error that the representative actually processed a payment for {$17000.00}. With this being said, there was a correction that was sent credit bureaus but drastically dropped my credit score. My score dropped nearly 100 points. After the credit bureaus made the corrections my scores only changed about 40 points. I am also in process of refinancing with XXXX XXXX too as well. My application is still on hold as right now due to my credit score dropping. With the credit score the bouncing back to the score it was previously, I am unable to begin the refinance process with XXXX XXXX. With hopes that you would be willing to adjust the two late payments, this would get me in position to refinance with XXXX XXXX. 
I have been satisfied customer in the past and hope to continue a long relationship with XXXX XXXX, as the credit industry is so competitive. I know how important it is to maintain good relationships with customers, and you have done an exceptional job in my book so far. 
I hope that you will consider my request and prove, once again, why XXXX XXXX is heads above the rest. I look forward to your reply.
Product: Credit reporting or other personal consumer reports

my address and name is wrong. I had identity theft, data breach with XXXX, XXXX, XXXX, XXXX and my information is on the dark web. My Transunion and XXXX has not updated my credit report nor provided me with a copy. XXXX is on my credit report and I never had that last name.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an urgent matter concerning my credit report. According to the Federal Trade Commission ( FTC ) Report Number : XXXX, I have identified some unauthorized inquiries on my credit report. I did not provide any authorization for these inquiries, and, as such, I am formally requesting their immediate removal from my credit report. I have tried to contact Transunion on several occasions but, they are not responding with adequate results. 

Details of unauthorized inquiries : XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX  XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX  XXXX XXXX. XX/XX/XXXX - XXXX XXXX I am deeply concerned about the potential negative impact these unauthorized inquiries may have on my credit score and financial standing. As a responsible consumer, I consistently monitor my credit report to ensure its accuracy and security. I kindly request Tranunion to promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate information on their credit reports, and I am exercising this right in seeking the removal of these unauthorized inquiries. I appreciate your prompt attention to this matter and request that you provide written confirmation of the actions taken to resolve this dispute. According to the FCRA, I expect a response within 30 days of receiving this letter. FTC Report Number : XXXX
Product: Checking or savings account

They said they are closing my account because I violated their policy but dont know what I violated. Nor they dont know what I violated. I had the account for about a month. Never did anything bad and when I deposited a check they thought I was violating but they couldve just declined it and said it doesnt work. Even though the check is valid. The first time I called the lady said it was because of the check I had the person that gave me the check, they had to check with them but now its my problem even though all I was doing was depositing a check I was given. I have not been given updates or anything in my account and Ive called many many times but the same thing everytime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX Consumer and natural person, am aware of all rights that I have and which are protected by the congress under the fair credit reporting act ( FCRA ). The list of Accounts Below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name- XXXX XXXX Account Number- XXXX 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 report agency can not furnish A account without MY WRITTEN instructions
Product: Credit reporting or other personal consumer reports

In 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.

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!

LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Crdeit Report!

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Product: Credit reporting or other personal consumer reports

Pursuant to, the United State Code ; 15 U.S.Code1681 ( 2 ) ( A ) ( i ) -Definitions rules of construction, the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The account " XXXX XXXX '' transactional history falls under this law. I request the account is updated to " PAID AS AGREED '' and request a copy of my consumer report that shows the account reflecting " PAID AS AGREED ''.
Product: Debt collection

XXXX XXXX XXXX is alleging I owe a debt I do not. XXXX XXXX sold his allege debt to XXXX XXXX XXXX knowing the debt has been canceled and canceled debts are considered income and can not be reported to the credit bureaus. XXXX XXXX XXXX never sent me a notice to dispute this information before adding it to my consumer report.