23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I returned my vehicle to Hyundai Finance and was told by the dealership that since I had Wheel and Tire insurance that I paid for monthly I would not incur any damage or wear charges. After turning it in, I have received a {$600.00} bill from Hyundai for rims, tires, and " bumper damage ''. They said they took pictures and placed them online and the damage was severe. At the dealership we walked around the car and the dealer said he saw nothing that would involve them charging me after the case for wear and tire in excess of normal. He said the rims and tires were worn and would be an issue if we did not have insurance, but since we did we were good to go with turning it in. Had I known that the insurance would not cover this when turned in we would have had it replaced first while covered, then turned the vehicle in. They are squeezing money out of us when we were paying for the coverage. We were told something by a representative of their company that apparently contradicts what they now say.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate credit inquiries from On XX/XX/2022, XXXX XXXX XXXX  On XX/XX/2022, XXXX XXXX XXXX On XX/XX/2022, XXXX XXXX On XX/XX/2022, XXXX XXXX Tried several times and reached out to the company certified letters I do not have an open account with the company ..Please remove inaccurate information
Product: Payday loan, title loan, or personal loan

This company performed a soft-pull to verify my credit score and credit report and then presented me with a pre-qualified offer ( I understand this is not set in stone ).

The offer was presented and accepted. A hard search was performed.

Two documents were requested, a copy of my drivers license and a most recent paystub, they also have the option to link a bank account in your name via XXXX. All 3 of which I provided and/or completed. More than fulfilling my requirements under KYC regulations. 

On XX/XX/XXXX both XXXX and Sofi made verification calls to me, quite coincidentally at the same time, as mentioned to the Sofi Caller at the time. I was previously a victim of identity theft so XXXX wanted to verify the application was in face made by me ( XXXX XXXX Member ) and Sofi ( the lender ) also wanted to do the same, they called me on the number listed on my credit report and I confirmed I did indeed apply for a personal loan with them, the caller was pleasant confirmed I had credit score requirements and would now finalize my loan. 

On XX/XX/XXXX Soft declined my application and sent an Adverse Action Notice with the decline reason being they were unable to verify my identity. They listed the source of their verification information as XXXX, I immeadiately called XXXX as I assumed they must have been unable to pull my credit correctly due to mismatching details, XXXX confirmed they had successfully performed a hard pull and using their document upload service confirmed that the information provided in the application matched that on my credit report and that the adverse action notice was invalid for that reason, they suggested I call Sofi and ask for clarification, after explaining to a Sofi agent what XXXX had said they proceeded to place me on hold for 26 minutes, at which point they returned and advised me that I was to apply again and that they had no further information beyond the adverse action notice. 

The company should not perform a hard-pull on a consumer if they are not sure of their identity, there is also no course of appeal or communication with underwriting to take steps to provide further information to establish identity verification, if the source of information used is as the adverse action notice suggests then XXXX have contested the adverse action notice as the information matches, if the source of information to establish identity verification differs from that mentioned in the adverse action notice the company has witheld the source from the consumer and therefore breached FACTA as there is no point of contact for recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian back in XXXX after reviewing my XX/XX/2018 credit report. I noticed a bunch of inquiries that I never made so they are unauthorized. I sent a a dispute letter with identity theft documents and I never received any correspondence from experian. I want these unauthorized inquries removed from my credit report immediately.
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 XXXX 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that can not be verified is listed on my credit reports. I attempted to contact the company, XXXX XXXX XXXX at the address listed on the credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Unfortunately, the US Post Office attempted to deliver the letter and found that the address does not exist. The letter is being returned to my home. A link to the tracking info is below. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter was sent on XX/XX/XXXX. During the investigation by Experian, the address for XXXX XXXX was changed to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
This tactic imposed by Experian has prevented me from contacting the business in a timely manner. In addition, the address in XXXX, Michigan has conflicting information listed in public records. According to the XXXX XXXX XXXX and whitepages, a company called XXXX XXXX , XXXX is listed at this address. Below is a link. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of inaccurate information from my consumer file with XXXX. The information in question pertains to late payments attributed to accounts listed on my consumer report. Pursuant to relevant federal statutes, including 15 U.S. Code 1666b, 5 U.S. Code 552a, 20 U.S. Code 1232g, and 15 U.S. Code 1681b, I assert that these late payments are in violation of my rights and federal regulations, and therefore, should be expunged from my consumer report without delay.

Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the necessary information required by law, is mailed or delivered to the consumer at least 21 days before the payment due date. Failure to comply with this requirement renders any late payment designation invalid. 

Moreover, the Privacy Act of 1974 ( 5 U.S. Code 552a ) stipulates strict conditions for the disclosure of records contained in a system of records, including the requirement for prior written consent from the individual to whom the record pertains. This extends to information related to a student 's application for or receipt of financial aid, as outlined in 20 U.S. Code 1232g.

Additionally, under 15 U.S. Code 1681b, any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. Without such authorization, any addition to the consumer report constitutes a violation of the Fair Credit Reporting Act. 

Therefore, I demand the immediate removal of late payments attributed to the following account : Dept of Education/NELN [ Account Number : XXXX ] Late payments in XXXX : XXXX, XXXX, XXXX, XXXX Late payments in XXXX : XXXX, XXXX
Product: Debt collection

While reviewing XXXX that a collection notice was placed on my report. I attempted to contactTJX XXXX arguing that I dispute the validity of the debt without success. I personally contacted XXXX, disputing the validity of the debt. I requested that they provide me with an original signed contract of obligation with the TJX as a matter of law and XXXX has failed to do so but insist on continuing collection action that a s a direct result of ID THEFT and knowingly with intent to cause me economic harm placed collection status on my credit report making it very difficult to secure a meaningful job and obtain new credits. 
Upon belief and Information, this debt is/was as a direct result of ID THEFT, therefore, I`m not to be liable for the debt.
Product: Debt collection

XXXX {$19000.00} disputed this car loan with XXXX XXXX automotive and even went as far as obtaining legal representation to have this loan that isnt mines removed from my credit report. XXXX XXXX deleted it and reported it back on my credit which has resulted in lowering my fico with a false credit reporting that doesnt belong to me.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQUIRIES 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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

DIVERSIFIED CONSULTANTS INC called me repeatedly from multiple fake phone numbers, never left a message, and did not provide details of the call when I actually answered. I told them repeatedly to stop calling me, and they did not listen.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate removal of the following information that has resulted from identity theft : Account : [ XXXXXXXX XXXX  Account Number : XXXX ] Inquiries : [ XXXX XX/XX/XXXX ] [ XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] Relevant Provisions of FCRA 605B Under the FCRA, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft. Specifically : 1. Timely Action Required : According to FCRA 605B ( a ), Equifax must block the disputed information no later than four business days after receiving the following : Proof of my identity. 

A copy of my identity theft report. 

Identification of the fraudulent information. 

A statement from me asserting that the information is not the result of any transaction I authorized. 



2. Notification Obligation : As required by FCRA 605B ( b ), Equifax must promptly notify the furnishers of the information about the identity theft claim, the requested block, and the effective dates of the block. 3. Limits on Declining or Rescinding the Block : Equifax may only decline or rescind a block under very specific circumstances, as outlined in FCRA 605B ( c ). Any decision to decline or rescind a block must be accompanied by prompt notification to me, including an explanation as required by FCRA 1681i ( a ) ( 5 ) (
B ).

Action Requested I demand the following actions : 1. Immediate removal of the fraudulent account and inquiries identified above.


2. Notification to all furnishers of the fraudulent nature of the account and inquiries. 3. Written confirmation within 30 days that the disputed information has been removed or blocked, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

Many students, including myself, were misled by Navient into securing predatory private loans to fund education at for-profit online institutions, such as The XXXX XXXX XXXX XXXX XXXX XXXX I attended from XXXX to XXXX with an original principal loan amount of about XXXX. Despite having paid the total amount towards these loans, my current balance is paid off in full while ahead of the amount of time given to pay it back. 
Notably, XXXX XXXX XXXX and their parent company, XXXX, were subject to investigations by various state attorneys general and found to have engaged in deceptive practices. In response to widespread allegations of fraud and misconduct by XXXX XXXX XXXXXXXX, the Biden administration recently announced a comprehensive loan discharge for students enrolled at these institutions from XX/XX/XXXX, to XX/XX/XXXX. This led to the discharge of my federal loans totaling about XXXX and the restoration of my credit. 
Navient, which was sued by the attorneys general of 39 states for its role in facilitating these predatory loans, had a specific arrangement with for-profit schools during the early XXXX, makin~ it a " preferred '' lender. Despite this, the settlement terms provided by Navient were considerably inadequate, excluding many borrowers who took loans for attendance at approximately XXXX for-profit online schools, unless they resided in certain states or had not defaulted for at least seven months during a specified period. 
The only period during which I managed to reduce the principal amount was during the pandemic, when interest rates were temporarily lowered to between 0.5 % and 1 %. However, once the regular interest rates resumed, my balance skyrocketed again. This financial strain, coupled with the emotional stress and damage to personal relationships, has been overwhelming. 
Moreover, Navient exited the federal student loan servicing business amidst legislative and advocacy scrutiny, following allegations of steering borrowers away from income-driven repayment plans towards forbearance, an action for which they had to provide restitution. 
Navient has also faced multiple lawsuits for other predatory lending and illegal collection practices. 
Currently, Navient is distributing " applications '' to select students who may qualify for Borrower Defense claims against their schools. However, this process feels unnecessary and opaque, as Navient is already aware of the affected students. 
Under the FTC 's " Holder Rule, '' Navient is accountable for these predatory loans issued in association with for-profit online schools. As time is critical, XXXX XXXX XXXX has urged Navient 's CEO to immediately discharge these loans. It is crucial for Navient to take responsible action now by discharging all such predatory private loans associated with for-profit online education.
Product: Vehicle loan or lease

{$30000.00} is being reported on my XXXX and XXXX XXXX Credit report, after the car was repossessed.
Product: Credit reporting

XXXX is reporting a collection account on XXXX XXXX, 2016 on my equifax credit report this account does not belong to me it is fraudulent someone has been using identity for the past 10 months and I have been a victim of identity theft
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA XXXX ( XXXXXXXX XXXX  XXXX ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts. 
Account name : XXXX XXXXXXXX XXXX Date Opened : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit card or prepaid card

I was never notified that my the APR used for my credit card charges was increased. I kept on using the card thinking I still had the 14.49 % interest rate I had when I opened the card. It was only when I looked on the later pages of the card statement that my new purchases were being charged a higher interest rate. I asked for a reconsideration or lowering of the rate given that the national average was below the 20.49 % I was being charged with but I was told no and my account was being 'evaluated periodically '. Sure it is. Mainly to raise my rate after I have been paying my account on time since XXXX. 


Because I was wanting to pay down the balance on the higher interest rate, I asked twice through chat how my payments were applied toward my balances on the different APR tiers on my account ( I have three APR rates with three different balances ). I was told both times that it was applied first to my higher interest rate balance. Seeing that that wasn't the case, I asked the representative I opened the second chat with how my payments were applied to the balance that was subject to interest because it wasn't adding up for me. Representative couldn't explain so opened up a 'dispute '. 


An 'explanation ' letter was given which basically told me to look at the same statements that weren't adding up. 


" For your clarification and reference, we have sent you, under separate cover, copies of your XX/XX/XXXX through XX/XX/XXXX statements. 

Please be advised that payment ( s ) up to minimum amount due are applied to balances on the lower Annual Percentage rate ( APR ) portion and the remaining payment ( s ) will be applied towards the balances on the higher APR portion and then to lower APR portion. '' This time, I called customer service. I asked one more time are my payments being applied toward my higher APR balance. Once again, the representative answered yes. I asked the representative to read the letter that was sent to me. She then backtracked and said no, it's not applied to the higher interest rate. So I asked again how the balance that is subject to interest was computed. She said no one can answer you. I said you don't have an accounting department that can tell me how the balances are computed, she said no, we don't have an accounting department. What, Amex pulls figures out of thin air? She said no one can help you with that. What??? I'm just supposed to take the figures that are given to me and say ok that's right without knowing how the figures were computed?? She said it all adds up and then when I did try to get her to tell me how it adds up, she said I can't explain it to you, I'll open another dispute for you. So I can get the same generic letter? No thanks.
Product: Debt collection

During the month of XX/XX/year>, I attempted to go online & pull my credit report. With all XXXX credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all XXXX  of my credit reports via mail, in order to submit additional information to verify my identity. Upon receipt of my credit reports, I noticed accounts that were not my accounts. I never opened these accounts or gave permission to have these accounts opened. I also noted inaccuracies with the spelling of my name & previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/year>.
Product: Prepaid card

I am a SSI recipent. I use my government debit card to pay bills, buy food, etc. I was to receive a payment on XX/XX/XXXX of this year and another payment today, XX/XX/23. 
I verified the money was deposited onto my government issued debit card. 

The debit card denies my accessing any money from my debit card. 
I have been calling the debit card company since XX/XX/XXXX every day with an average of wait time of 4 1/2 hours. I have not been able to talk with anyone about my lack of funds. 4 1/2 hours is a long time to wait and then not get an answer. Today is the 4th day that I have called. I have been calling since XXXX XXXX and am unable to get a anyone on the phone. I now have bills that are late, they were due today. My phone will be turned off at XXXX XXXX today. The card is called Direct Express and the bank is Comerica. 
Can you help me? 
Thanks so much, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of this year, I received the email from the Binance.US team titled Binance US | Deposit Failed Alert and followed the instructions as directed in order to resume deposit & withdrawal functions for my XXXX account registered to the email address XXXX However as of todays date XX/XX/XXXX, my account still disabled and when I check the status of my ticket # XXXX ( assigned to the person name XXXX ) I find, to my disappointment and disbelief, the ticket is under the SOLVED status. 

My account has approx. XXXX USD and due to their lack of response, I have lost thousands of dollars in trading. 

To my amazement, On XX/XX/XXXX I received an email from they titled " ACH Deposit Limit Increase '' saying " We are pleased to inform you that your 24-hour ACH deposit limit has increased to {$10000.00}. Thank you for being a Binancian - happy trading! Binance US Team '' but nothing account my account been disabled and no trading ability. It very hypocritical for them to ask me to deposit more money when my account is disabled for withdraw and trading.