23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted XXXXXXXX XXXX XXXX saw on XXXX and XXXX, ,after being told by XXXX his wife we don't rent when we are in holiday Florida , ,usa, ,, no business license there construction etc,,, Only rent out car when we are on XXXX XXXX XXXX XXXX XXXX So I switched trip after emails and phone chats for several months, ,then they said better to buy car cheaper, ,this was bait and switch, ,I didn't realize at the time I trusted them and they seemed so honest and kind on XXXX, turned out to be, unbelievable liers,, XXXX finally admitted to me police were watching them, ,they were caught on XXXX advertising without a license in XXXX She said we didn't know,,, ,she says everytime they do something unethical or illegal Pictures of cars on ad on XXXX were not real either,, , I found out later then when I was on XXXX XXXX stranded with no car they told me that car XXXX no good parting out,,, we have one for XXXX. Bigger. Was garaged,,, everything. worked, low mileage, ,I wanted to see,,, they drive to me Then, ,they intimated me, ,how do we know you have the money,,, you're flip floppy,,, I had not driven the car yet,,, gave then the credit card number to prove i had credit money to pay,,, then he says you have 30days to put in your name,,, but I have to go to government office to get bill of sale,,, I say ok but I still have to drive car,,, he drives, ,we go in office,,, he speaks in XXXX, ,I have no idea whats going on,,, then he says ok. Car is in your name I was shocked, ,I still had not driven car,,, Then he let 's me drive car,,, I turn wheel horrible loud noise, I say what is that? something wrong with steering,,, he says thats nothing,,, they get out and leave,, The car they sold to me had no inspection was supposedto be in XXXX, ,and I would of gotten ticket or I don't know,,, the story is long, ,the lies from them even longer,,, I call her. And ask how do I turn on air-conditioning,,, she says on TAPE the the boa claims rep heard,, we didn't think that was an issue, ,no cars have because there is so much fresh air on island unless new,,, this is crazy and not true Boa gave me back XXXXas I requested because,,, car was in my name,,, steering wheel problem,,, sometimes won't go into reverse or drive transmission problems,,, no air,,, ,scam artists,,, charged my card without allowing me to drive first and put in my name without my knowledge,,, I don't understand XXXX,,, ,was charged on XXXX,,, XXXX business online out of XXXX XXXX Massachusetts by their son , , , Boa gave me credit of {$3100.00}. Said already researched you won't be charged back,,, I was charged back,,, much more to story no time on here and XXXX XXXX, XXXXXXXX XXXX. And got scammed 4 times on XXXX XXXX, ,I was not going to buy,,, car Also still stressed with other complaint with BOA still not resolved since may. No proof of delivery,,, about refrigerator I went into the store on XXXX XXXX and charged on the same card,,, ,NEVER RECEIVED THE REFRIGERATOR,,,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies.
They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXXerifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and spoke with a agent and explained that I was not aware these inquiries and it looks like something suspicious is going on .She told me to contact these companies directly. That was n't very pleasant thing to say because when I tried to call these companies they do n't know how to handle my call and end result, I 'm on hold for several minutes and then they tell me to contact the reporting agency. 
I would appreciate if someone can please remove these unauthorized inquiries. 
Thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I was in the XXXX, so I opened a checking and savings account at First Hawaiian Bank. I maintained the account for about XXXX years, with periodic deposits and withdrawals. We left XXXX because of a XXXX move, and I did n't close the account. It had about {$400.00} or {$500.00} in it, and I had an auto loan through the bank, so I kept the account open when we moved. I did n't touch the account for a while, and when I tried to login to the account, I could n't access it/retrieve my account number. My mistake was that I connected the account to a XXXX email address, so I had no way of retrieving my account number. I called the bank to find out how to access the account, only to be told that I could no longer access it, and they were charging me a monthly fee to keep it open since it was n't in use. I asked how to close it. They said that I had to mail a letter with my name, XXXX and current address requesting that they close the account and mail me a check. I mailed one letter, and checked back a few months later. They said that they had never received it. I mailed another letter, and they rejected it, saying my signature did n't match closely enough the signature I used when I opened the account. After pushing continually XXXX multiple phone calls over the course of a nearly a year to a standardized customer service number ), I finally reached someone who could help me and would give me her phone number to call and follow up on the situation. The account is now closed, and I received a check from FHB for the remaining money in my account -- but this process cost me more than {$100.00}.
Product: Credit reporting or other personal consumer reports

XXXX {$0.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received notifications that I have a potential negative error on my credit report from a company Sunrise Credit Services, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NY XXXX, XXXX for XXXX XXXX. I have never received any written notification and they are reporting inaccurate information. Sunrise is showing false representation of ( a ) the character, amount, or legal status of this debt.
Product: Mortgage

they have not sent me paper statements for months now, i have not and never will sign up for paperless statements. i have received neither. also they have never let me draw on my heloc, they are impossible to get in touch with someone that can answer any questions. typicall corporate run around
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian says I have not had any open accounts in 2 yrs that is a lie. Everytime I try to login it tells me my info is wrong. And when I try to apply for even a bad credit loan it will not go threw. My credit score according to them went from 5 something to XXXX be how. I am sick of this issue My social security number XXXX
Product: Checking or savings account

On XX/XX/23 I was charged a {$36.00} overdraft fee by my bank ; Truist. My account balance was low, and I was told it was a recurring XXXX charge of {$16.00} that caused the overdraft. 

I was fully under the impression that my account could not be charged an overdraft fee as I was opted out of all overdraft programs. The language on the app states, " Without these options, transactions exceeding your balance will typically be declined. But, you won't be charged a fee for declined transactions. '' This was not the first time this happened, and a previous overdraft fee from XX/XX/23 was fully refunded after I called to dispute it. I was made to understand that the overdraft fee was in error. However it was regarded in their system as a " courtesy '' refund. 

I asked three different individuals to show me the policy that states that recurring charges are subject to overdraft fees and none of them were able to produce proof of the policy. I was told that they could not refund the fee because I was only allowed one " courtesy '' refund per 24 month period. I insisted that this was not a courtesy, but rather an unauthorized fee and still no one was willing to reverse the fee.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 6 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a An personal loan opened at XXXX XXXX  on XX/XX/year> under the account number ( XXXX ) these several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit and personal loan account opened at XXXX XXXX  opened on XX/XX/year> under the account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

i received my consumer report of which i forgot to save and print. the link expired so i called with my account and case number and requested a new link for the same report as it contained info in which i was needing to dispute asap. they refused me a new link to the same report even though i was able to successfully verify my identity. the did however send me a new repuort of which was not the name i entered, wasting my time and then again i requested a new link and again they verified my identity but sent a notice with the wrong spelling of my name and an invalid link of which they couldnt explain why the randomly generated access code to my link did not work. they asked me to supply them with the access code i was given and they said it didnt work. but they refused a new link via email even though i was told i could request my report link via email. so now i feel i wasnt talking to the actual consumer risk company and being scammed. it is the same girl who answers the phone everywhere i call. along with three other individuals. i have them on multiple recordings from calls ive placed to different companies. so frustrating. i recieved an adverse action letter from my insurer less than three months into my XXXX month policy metioning too many claims ( i had two vehices and the claims were roadside assistance ) and a speeding violation of which i was never convicted of from well over a year ago and i never even knew about this violation. i also still have a valid license. i was under the impression i have tobe convicted of this violation for it to effect my insurance rate. i believe someone is using my identity and have a police report of identity theft. i have court documents showing ive never been convicted of any violations in question. so this report was very important in saving my insurance. but having to wait two weeks each time they send me the wrong or not working report has now cost me my policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised inwhich lead to opened and closed accounts in my name. I have tried to remove these accounts before all to no prevail. However, after reviewing the language in the FCRA, it stated that when accusing a consumer of a debt that the consumer has the right to see physical documentation of which the debt is owed. In my dispute of the following accounts, I'm respectfully requesting physical documentation or the accounts shall be removed. I do not have no contract with these companies therefore I'm asking them to be removed. No contract, contract has been cancelled. The following accounts are, ( 1 ) XXXX XXXX XXXX, {$4200.00}, date XX/XX/XXXX ( 2 ) XXXX XXXX, {$3200.00}, date XX/XX/XXXX ( 3 ) XXXX XXXX XXXX, {$640.00}, date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX has failed to provide me with information to verify debt .I have no knowledge of this account .This account is in direct violation of my rights. Per FCRA : 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. I demand the permanent deletion of this account from all consumer credit reports
Product: Mortgage

My lender being SPS and my Investor being XXXX Bank refuse to assist me in keeping my home today. I have applied many times with what income i have between me and my wife and both the lender and the investor want to blame one or the other. The investor tells my lender for the reason to deny is cause it is a " business decision ''. This is NOT in any means a way to let a homeowner loose there home based on a " business decision ''. Per my lender on there website they have you enter your loan # and they let you know what form is needed and for my loan # was only a 2 page form and no other documents are requested, just these 2 pages of request for mortgage assistance forms. 
When i sent these forms per there request they will not even open my file to review it for nothing. I have and had a very strong hardship for the reasons i came delinquent. I can prove the hardship if needed but im never get this far with SPS. They just deny the file with no review at all.
Product: Debt collection

Convergent  XXXX  has knowing and wrongfully placed a collection account on my credit reports with  XXXX  and  XXXX   XXXX  that does not belong to me, they continual to harass me me for my personal identification information and threaten to take further action against me for a debt I know nothing about.     I have not entered into any type of legal or binding contract with Convergent  XXXX  nor have I subscribed to or received any services from them. The identifying information which was provided to me by one of there collection agent does not belong to me and are not mines and I never have resided in the  State,   City  or address which the agent also provided. The information and account are bogus in nature and deliberately and wrongfully placed on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an charge off account with Santander consumer USA on XX/XX/XXXX and received a letter stating that the account has paid in full. However when disputing with the 3 credit bureaus, Santander responded with the same original amount owed and does not update balance on report to an XXXX balance per agreed and stated on the settle in full letter. This is fraudulent reporting on my credit report and needs to be corrected on with all 3 credit bureaus before legal action is taken.
Product: Debt collection

I have attempted for a number of years to have this collection attorney remove this erroneous account from my credit report. I have written them with debt validation letters requesting ALL records for this debt, including but not limited to ALL documents that obligated me to the debt. 

They have never sent me a single solitary document and they refuse to remove the item from my credit report. 

Solomon & Solomon located at XXXX XXXX XXXX, XXXX, NY XXXX is an unscrupulous collection agency masquerading as a law firm. Their collection tactics are disgusting and illegal. 

The are reporting a debt on my credit report that does not belong to me as follows : SOLOMON & SOLOMON # XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Placed for collection:XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$5300.00} Date Updated:XXXX Original Amount : {$5300.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX  Past Due : {$5300.00} Pay Status : In Collection Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This debt is not mine, I have never executed any documents obligating me to make payments or receive service from the creditor XXXX at the address they say that the debt is for. I have never resided at the alleged address. 

This unscrupulous debt collector has refused to send me any records to validate this debt because they do not have any and can not produce them as a result.
Product: Debt collection

My federal tax return was garnished for something and i was not aware or told so that maybe i could work something out if i did owe anything
Product: Debt collection

ive had a collections on my credit report for ove 7 sears and the company cant proudce a contract with my singure on nothing
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in removing several negative items from my credit report that have persisted despite previous attempts to rectify these issues directly with the credit bureaus and creditors. The continued presence of these inaccuracies has significantly harmed my creditworthiness and financial stability. 
Provided detailed documentation, including account statements and correspondence with creditors, verifying the correct status of these accounts. Requested re-investigations and corrections in writing, emphasizing the ongoing inaccuracies and their impact on my credit report. Kindly conduct a thorough investigation into this matter and facilitate the immediate removal of the negative items from my credit report. I request written confirmation once the inaccuracies have been addressed. The following items should be remove as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been XXXX for the times and dates of these derogatory claims and fraudulent activities on my record. I'm a victim of identity theft and fraudulent activity please look into this situation for me. I apologize for the inconvenience and unfortunate opportunity but this isn't a reflection of the person I am trying to be.
Product: Checking or savings account

Our account was bought by Flagstar Bank on XX/XX/2018. We have been informed of the process since XX/XX/2018 when XXXX XXXX inform us of the plan buy. We have received out debit cards a few weeks back. Last week we received out checks and only my husband 's name appeared on them. I call and to inform them of the error and was told I would have to wait until Monday XX/XX/XXXX to have it taken care of. I called and waited for 45 minutes to speak to a banker to be told there is nothing he can do, that it was what XXXX XXXX send over to them. He told me I would have to call XXXX to have them reissue the check with the correct name. I called the number and was told they were just the printing company and have no way to change the name on a checking account. I turned around and called Flagstar back and waited on hold for 40 minutes to be told that I would have to go into a branch office which is 250 miles away, Then was told there is nothing they can do. I feel this is ridiculous that they should make good on the check. I have not ask to be send to Flagstar in the first place. I am already out time to change all my ACH because of this whole mess. They need to replace the check with the proper names on them.