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

XXXX XXXX XXXX XXXX XXXX balance $ XXXX XXXX XXXX XXXX balance {$2200.00} XXXX XXXX XXXX balance {$1900.00} XXXX XXXX XXXX XXXX balance {$13000.00} XXXX XXXX, XXXX XXXX balance {$1800.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three Chapter XXXX Bankruptcies that Experian is Reporting that I did not file. For the years of XXXX, and two in the year of XXXX, I have contacted the Bankruptcy Court,  they advise me that they are not reporting these Bankruptcies because they do not see those years filed under my name, SS #. The Bankruptcy Court also advise they do not release any information to the credit bureaus or report to the credit bureaus. 
So I am not understanding if the Bankruptcy Court does not release any information to the bureaus why Experian is the only Bureau Reporting these Bankruptcies. 
Although it is Experian policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. Especially when I never filed these Bankruptcies. Therefore, Experian has no right to maintain information which the government has deemed nonexistent. 
FCRA, Experian must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate Experian response within 14 calendar days from receipt of this letter.
Product: Vehicle loan or lease

I purchased a XXXX  XXXX from XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, GA XXXX. At the time of purchase I told the sales rep ( XXXX  ) I did not want my payments to go above {$1000.00} per month. She assured me she would get me a loan that would fit my budget. As a result she got me a loan with Santander Consumer USA. I was told my interest rate and the amount of my monthly payment ( XXXX ) and for how many months I would have to pay to own the car. At that point I agreed to the deal and they gave me the car on the spot without me even giving any money at that point. They said bring back the down payment at another time so I did. Turns out what they told me was false. The loan they got me into was structured in such a way I would never pay the car off. Santander not only charged my interest on the loan for the car but also charges me Daily interest on top of my agreed rate. So I have been paying on this loan for almost two years now  and Santander keep over XXXX of my money and told me it ALL goes to the interest and not my principal balance. As a result I still owe the same amount on the car as I did the first day XXXX brought it home. I have tried to trade the car in with other dealer but the fact santander keep all my payment the car is worth less that what I owe by a large margin. This is not right!! I work to hard for my money to be taken advantage of by a lender and car dealership trying to defraud me. I contacted Santander and they said their is nothing they can do beside come get the car if I don't want to continue to pay. So if I turn the car in they not only keep all the money I have paid but they also get back their car for resale. PLEASE HELP ME.
Product: Payday loan

I could not get Speedy Cash to stop taking payments out of by bank account using my debit card. I called them, I wrote them. I tried to set up payments. I told my bank to not authorize any more payments. Did n't help. Finally I had to shut down all my accounts at my bank and go to another bank. 
I could not believe it when I when, at my new bank, Speedy Cash withdrew {$100.00}, the next day {$60.00}. 
I have no idea what that amount is for. I 'm disputing the charges Can you help me? 
Do I have any rights? 
So grateful for any help. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get an issue resolved with GM Financial and have disputed it through XXXX  and GM but am having difficulty. 

I had bought my car at lease end on XX/XX/2020 and paid off the up to date payoff balance and the dealership sent the disposition fee. On XX/XX/XXXX, GM financial received and paid an excise tax on the car but when they sent me the bill in XXXX, it was labeled as a disposition fee, which I knew was paid. I called GM and was told the disposition fee was never paid. I contacted the dealership and they sent out a copy of the canceled check. I was not notified by GM again, and in XXXX I noticed a XXXX point drop on my credit file due to a past due payment to GM Financial. I called XXXX and was told that it was the disposition fee, ( not an excise fee ) that was late. I explained that the dealership paid it and would contact them again, I was told once proof of payment was made they would correct my credit file. I contacted the dealership, XXXX XXXX again and they sent the cancelled check again on XX/XX/XXXX, this time cc'ing me on it. On XX/XX/XXXX I checked and nothing was done by GM, so I called and this time was told it wasn't a disposition fee, but an excise tax and they would correct my credit file as it was late. I asked how can I be late on something I had no idea of and even the documentation provided by GM was incorrect. I paid the balance of XXXX rather than have it continue to be late though I have my doubts on the validity of the charge as I received another excise tax bill. I really want GM to let the credit bureau know that I wasn't late, I wasn't given correct or timely information and I had an exceptional credit score until this happened and delingencies follow for 7 years..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that my credit report contains inaccurate and fraudulent information that I demand be immediately removed. 
Account Name/Issuer : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account Name/Issuer : XXXX XXXX XXXX/ Account Number XXXX XXXX Account Name/Issuer : XXXXXXXX XXXX / Account Number : XXXX Account Name/Issuer : XXXX XXXX XXXX XXXX / Account Number : XXXX Account Name/Issuer : XXXX / Account Number : XXXX I assert that these accounts are fraudulent and was either opened without my consent or has been reported in error. As per Section 605B of the FCRA, I am entitled to have this erroneous information removed from my credit report immediately upon my assertion that it is fraudulent.I expect this matter to be resolved without further delay. If you fail to investigate this dispute or do not remove the fraudulent information from my credit report within 30 days, I will have no choice but to pursue further legal action. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and may seek legal counsel to ensure that my rights are fully protected.Please confirm receipt of this dispute and provide written confirmation of the outcome of your investigation as required under the FCRA. I expect a swift and full resolution of this matter.
Product: Debt collection

My credit report indicates that I owe {$2300.00} as of XX/XX/2017 to a collector by the name of Deville. 

I am not entirely sure where or how this debt originated from. I do not fully understand what the amount I supposedly owe is from. I need further clarification. To my knowledge I have never received documentation from this company nor any other correspondence of any kind. 

I have tried to contact this company via the phone number provided on my credit report, but have not been successful in speaking with a representative. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm sending a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agency is required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in withdrawing the inaccurate pieces of information which were posted to my report. Here is the list of items that do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card or prepaid card

When I first opened my credit card it was a cash back card. I had read that I can at any time change the rewards cash to points if I opened a credit card with them that had points back with purchases. I did call the company to confirm and it was confirmed. I opened a new card with points reward system and when I called the company now they tell me that I can not do that. I pointed to them that they should have a recording of that conversation and they could refer to that. They tell me it must have been a misunderstanding and they can not do any thing about that. Problem is I was planning a family vacation using those miles and no longer can and the cost would be prohibitive. They should honor what I was told and change the rewards dollars to points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the company regarding this matter to no avail! I've sent correspondence for the accounts to be validated by both the company and by XXXX, Experian, and XXXX and have yet to receive anything.
Product: Debt collection

I have received numerous calls from Halsted Financial Services and when I ask what the call is in reference to, the call taker says it is about a past due debt. Then when I ask for what/whom the call taker asks for my telephone number and states that my number is not in the company 's database. I do not know how this is possible as I am calling from the very number the company called to reach me. I do not have any past due loan or credit accounts and certainly no accounts in collection with Halsted Financial Services. Additionally, when I ask to be removed from the company 's call list, the call taker says he or she can not remove my number because, again, it is not in the database Calls received : XXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I have sent Experian numerous letters and copies of my credit report showing the inaccuracies of accounts that are reporting incorrectly on my credit file. They continue to respond stating the accounts are accurate or updated however, I have shown proof that their investigation was not properly done. The 1st letter was sent on XXXX showing them the below accounts were reporting inaccurately on all 3 bureaus. I sent a 2nd letter on XX/XX/15 highlighting the same accounts reporting inaccurately and letting them know that even after bringing this to there attention they continue to allow the information to report wrong and this is a violation. These are blatant FCRA violations and need to be addressed immediately. The accounts mentioned in this complaint have different date of last activity and date of last payment dates on all 3 bureaus. Clearly inconsistent information shown to Experian numerous times. Attached are the proof as well as the letters sent to Experian showing they failed to conduct a proper investigation. The previous complaint they stated was not initiated by me which is a lie. I have provided all my personal information.
Product: Debt collection

Never received any communication at all until XX/XX/21 and then suddenly receive text message, phone calls to my personal phone, phone calls to family members. Family members called me concerned about it. This is absolutely inappropriate. I do not owe any debts to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Still reporting wrong information on my credit report. Which is causing me to have a bad credit score Also, it did not respond within the 30 day period when I make a dispute Also, this agency is acting as if I supposed to pay them to have a good credit score. Because every time I turn around, my credit score always goes down. I have not had anything on my credit cards for the last 3 months. My credit score still goes down never mind
Product: Credit reporting or other personal consumer reports

I am a survivor of debt bondage, a type of XXXX XXXX  where I was compelled into accruing debts in coercive circumstances. This has resulted in several negative marks on my credit report. Currently, I am being supported by a representative from the XXXX XXXX, an organization committed to aiding survivors of XXXX XXXX. We are utilizing Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove detrimental information associated with trafficking upon the filing of an official claim.
Product: Credit reporting or other personal consumer reports

This information is incorrect and is in my report in a negative way, please delete. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage assistance application filed, based on medical circumstance, and Wife temporarily residing at XXXX XXXX due to serious injury, which I was denied and not qualified for any assistance program that are being offered by Wells Fargo Bank., as of this date, XX/XX/XXXX. All required documentation has been sent to the Wells Fargo Home Mortgage, Servicer ( i.e. Mortgage/Loan No. XXXX ). 
Prior to aforesaid date, I submitted a written " Appeal '', as to their continuous denials for the requested mortgage assistance relief by the Borrower, XXXX XXXX XXXX, under their advertised assistance programs ( i.e., Mortgage Payment Suspension '' and/or " Mortgage Payment Forbearance '' ) due to aforesaid hardships, which said mortgage relief denials were in fact, unjustified. 
Their said response, which included, but not limited to their only continuous referrals - " SHORT SALE '' and/or " MORTGAGE RELEASE '' ( i.e., Deed In Lieu of Foreclosure ) of said Borrower 's residential property in the absence of relation to his rights for such relief for payment assistance prior to their referral of foreclosure for pass due mortgage payments, i.e., {$3600.00}, with a Unpaid Late Fee of {$26.00}, as of XXXX, As said mortgage loan maturity date - XX/XX/XXXX.
Product: Debt collection

In XXXX of 2023, XXXX XXXX ( represented by Eaton Group ) had a levy placed on my XXXX XXXX bank account for around {$1000.00} due to an unpaid debt. I repaid the debt by XXXX of 2023. XXXX XXXX refused to release the debt, absent a " Release of Levy '' signed by a judge. 

Eaton Group explains that this is not a process that occurs in the state of Louisiana, and sent XXXX XXXX a letter explaining that the debt has been repaid and claiming that they never ordered a levy in the first place. 

I've gone back and forth with both Eaton Group and XXXX XXXX for over a year and a half, and no progress has been made. I run into a wall on either direction. XXXX XXXX claims they need a release signed by a judge, Eaton Group only sends them a letter explaining the debt is repaid. 

At this point, Eaton Group has failed to perform their legal duty of ensuring that the levy is released. They can't be bothered to do more than send a letter. The requirement for ensuring release falls onto their shoulders ( not mine, and not XXXX XXXX ), and the levy remains over a year and a half later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the following credit bureaus : XXXX XXXX XXXX XXXX XXXX Georgia XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX in regards to their incorrect reporting with the following accounts 1. The following account is not mine. 
US DEPT ED Account number : XXXX Please remove it from my credit 2. The following account is not mine XXXXDOFED Account XXXX : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX  Account Number : XXXXXXXX  Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 5. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 6. The following account is not mine XXXX XXXX Bankruptcy  Reference Numbers XXXX XXXX XXXX I have asked them to remove them from my report and sent them a demand to remove in addition to the original request to remove these items. It has been over 30 days and they have not handled my updated report. I ask that you enforce the law and have them remove these from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX SC XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX and XXXX more EXPERIAN Inquired XXXX XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX and XXXX more EXPERIAN Inquired XXXX XX/XX/XXXX and XXXX more EXPERIAN Inquired XXXX XX/XX/XXXX EXPERIAN XXXX XXXX on XX/XX/XXXX and XXXX more XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$170.00}, {$0.00}, {$4700.00}, {$24000.00}, {$0.00}, {$310.00}, {$260.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$260.00} -This is not my account. 

8. XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.