23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband and I leased a BMW XXXX in XXXX, and I returned the car to BMW XXXX XXXX, NJ which is located at XXXX XXXX XXXX, XXXX, NJ, XXXX on Friday, XX/XX/XXXX. On that day, I was told to park the car in the service area for the return process. After the authorized person checked the car, I was informed that all was good and asked to sign the necessary documentation. During the process, I asked if there was anything else I needed to do, and I was told no and ensured that everything was fine. 
A couple of weeks later, we got a bill about {$1900.00} from BMW My husband called the phone number on the bill. The person on the phone was trying to convince my husband that the inspection report was signed by me on Monday, XX/XX/XXXX. He also claimed we had to pay that bill no matter what who signed the report. Even though I repeated many times that I did not sign any report on that day, we were literally forced to admit that I signed it. Since I didnt recall being at any BMW dealerships that day, we requested that the report be emailed to us. In a short time, we received it, and we were shocked by looking at it. The report had my name and was signed on my behalf. Yet, there was a false signature on the report. Neither they had my permission, nor I had any knowledge about it. We were told during the phone call if we make this payment, they will ruin our credit score. A couple of weeks later, we received a collection and saw our credit score went down XXXX. We tried to fix it through the collection companies by sharing the fake report. However, we were advised not to fight with them. After our discussion with the collectors, we saw the case was closed with no balance but our credit score wasnt corrected, and it still stays there.
Product: Debt collection

There is a collection account on my credit report that is a result of identity theft. They will not delete even though I have send in FTC identity theft report and police report.
Product: Checking or savings account

On XX/XX/XXXX I invested {$5000.00} in a CD with US Bank for 15 months. it matured on XX/XX/XXXX. I contacted the bank ten days before it matured to let them know I wanted to withdraw my money. They sent me a letter with a copy of the check dated XXXX. The amount was {$5200.00}. After a couple of weeks I called to find out where my check was and the agent said I should receive it within 2 to 3 business days. A few more weeks went by and still no check. They put a stop on that check and issued another one on XX/XX/XXXX. I have been calling them at least once a week now and just found out this week that they put a stop on the second check. That last person I talked to said that someone should be getting in touch with me to let me know what is going on. Still have no response. It has now been 60 days since I withdrew the CD.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item from XXXX XXXX should have been deleted from my credit report. I paid for a pay for deletion and the item is still on the report. This item is also over 7 years old. 

This is in violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card or prepaid card

I have a credit card with Discover, first opened around XXXX. Sometime around XXXX I was a few days late on a minimum payment one time. Discover hit me with a " penalty APR '' in which they increased my APR to 29 %. That was roughly 10 years ago. To date, I am still paying that same penalty APR of 29 %. I have not been late with them, always made timely payments since, and have excellent credit. I have made numerous attempts to resolve the issue as to why I am still paying a penalty APR 10 years after being late one time. I have made several attempts to work this out with Discover but only receive generic responses. Most recently I sent emails on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, both times was told there is nothing they can do. 

If I understand the FCBA rule correctly, my credit card company can hit me with a penalty APR if I am a few days late, but they ca n't just increase my rate indefinitely. After 6 months of on time payments, if I am correct, they are supposed to readjust my rate to the APR previous to the penalty. That was about 10 years ago, and they never did, therefore I have been over paying interest charges to Discover at 29 % APR for the last 10 years, instead of around the 18 % I previously had. 

What recourse do I have? I want to file a complaint, but I also feel that my APR should have been reduced back down to the pre-penalty APR after 6 months of on time payments, which it never was. This has cost me a lot in unnecessary additional interest charges. Also, I can never pay the balance down because only {$10.00} of my minimum payment goes to the principal when my APR is 29 %.
Product: Student loan

I sent in my Employment Verification as XXXX XXXX XXXX XXXXXXXX XXXX to Mohela as I am eligible for the Public Service Forgiveness due to the new guidelines. Per the paperwork I had to be in an IDR  which I did and my payment was more than my previous payment while not in the IDR. It also stated on the paperwork my loan would be placed on Deferment/Forbearance until the PSFL was reviewed and it was not. When I requested, they place it in deferment/forbearance, I never recevied a response.
Product: Debt collection

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to APPLE CARD nor GOLDMAN SACHS BANK USA. I refuse to pay a debt, I do not owe. I also do not wish to contract with APPLE CARD nor GOLDMAN SACHS BANK USA. This has caused me job loss due to negative and false information published by this debt collector, which made me suffer XXXX  and XXXX. This debt company negligence has caused me to seek medical attention
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX SSN XXXX You are hearby notified in writing just as you were on the phone on XX/XX/2018 that you have added a fraudulent account on my credit and dinged me 100 points for something that was removed 3 years ago. I informed you on the phone that this was fraud and it was closed yet you continued to ask for credit card information. You have violated my rights but adding this fraudulent account. I asked for a return to creditor letter and to have this removed but you refused. It is also recorded on my phone. I have sent this over to XXXX  and XXXX. I have also filed a complaint with the XXXX and consumer financial department. 
What I want This debt to be removed from my credit today A return to creditor letter What I have provided Fraud affidavit 3 separate police reports showing each time an account was opened due to identity theft. 
Credit score before you dinged it Credit score after XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I decided to change my phone provider to XXXX for a cheaper service and due to the company I was working for discounts on the bill as well. So once the order was done I chose through USSA the bank that my funds are in to do the charge of {$70.00}. When XXXX stated to me I will receive the letter in the mail to call them with the code, I did it on the XX/XX/2022. I called them on my mobile phone and gave them the code and they transferred me numerous time to finally get me to an IT person that finally told that some how of other I not be on my mobile phone due to they couldnt figure out why the transferring the service was not happing electronically, by now it was already 3 hours of dealing with it. So I borrow my daughter phone to call XXXX again. On this call another 4 hours being transferred 12 times and finally getting someone to see what can do for me then decided to tell me I need to go to one of their stores to show them my ID and for them to help me there. Every time I spoke with the agents I had already explained that I have a new phone that I have received from my daughter brand new in XXXX. So on that week Sunday I show up finally to get help and to let them know what has been happing to me on the phone and I chose at that time to cancel the service due to losing interviews and jobs and removing anything to do with XXXX for not working on time and not helping properly with me over the phone to be told by the agent in the store that they dont have a manager on the floor to cancel the order and need to call back XXXX that I want a refund. So the next day on Monday I called and was transferred again for over 10 times and still no refund them hanging up on me and being told I will get the refund. Could not call during the week due having to work. I was calling back again and went through the same thing until XX/XX/XXXX that finally I was told have being transferred over 10 times I will get the refund, but I had called USSA to let them know and to also dispute to charges of the issue just in case XXXX  doesnt do it correctly. But USSA DO NOT HELP THEIR CUSTOMERS AT ALL!! They feel that after speaking with XXXX I was in the wrong and I dont need to get my money back because I had their merchandise that I never purchase from them. I have already reported XXXX to XXXX, but still no answer from them and the USSA feels after explaining to them numerous times I never received service from the company they have the right to have my money. USSA doesnt care about their customers just keeping the big company happy. So I still dont have the charges reverse due to this. I will never use them for billing ever again, I learned my lesson.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Date of Birth : XX/XX/XXXXSSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charge off on the following date XX/XX/XXXX.Since then, the account has repeatedly been updated as charge- off every month.This is an update on the payment history.This inaccurate information falsely manipulates the status of limitations. You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX from Daniels & Norelli called me today at my work place. I do n't appreciate this, and would like to have them stop this. I would greatly appreciate your help with this. 

their phone number is XXXX and XXXXXXXXthank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$4000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2700.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$12000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$4200.00} I filed an ftc report and spoke with the creditors and they refuse to remove it.
Product: Money transfer, virtual currency, or money service

I received a call this morning, XX/XX/year>, from my banks fraud department ( California bank and trust ) alerting me of fraud on my bank account. 

I logged into my account while on the phone because I wanted to see the charges they were describing ( XXXX XXXX, XXXX XXXX transactions in XXXX  ). I didnt see them so I got suspicious and I said to them I dont see these charges and they told me they were blocked and flagged as fraud, which is why they were calling me. I believed that as being possible. 

I was still feeling unsure about the call so I asked if they could hold a moment while i checked something. I googled the phone number that had called me and it is in fact my banks number. I asked my husband to check and he confirmed, the number that called me is my bank. 

Feeling more secure about the call, I was compliant in giving them my information, as a means to verify my account, so that we could protect my checking account from this attempted fraud. 

This was an extremely elaborate scam. They had my name and they knew where I have a checking account and called me using my banks phone number. I bank with California Bank & Trust, which isnt even your typical XXXX XXXX XXXX. 

Ive received calls from my bank alerting me to fraud before so this wasnt something that was completely out of the ordinary. 

They took {$XXXX} from me. Please, please help me. I thought that because the number that called me was my banks number that I was safe. I dont understand how someone can call and have a different number show. This was my rent money. Everything that I had!! I have XXXX kids and I am the only financial support. Please help me!!
Product: Checking or savings account

I am a small business owner with multiple accounts with Wells Fargo. On XX/XX/2022 I deposited a {$22000.00} CERTIFIED CASHIERS CHECK into my business account. On Monday, the check was showing on hold so I went to a Branch to see why they were holding a Certified Check in a business account. I was told the hold was placed by another department, and they could not help me at the Branch. I went to my car and called Customer Service who told me the check could not be " verified '', so they had to place a hold on the check. I went to the bank the Certified Check was drawn off of, and they verified it was their check and it was valid. I then called the small business department at Wells Fargo to let them know I needed this released, as I had an obligation to make a wire transfer by close of business with these funds. I was transferred to the Fraud Department, where I was placed on hold for 33 minutes and never able to speak to a person. 

Friday, XX/XX/XXXX, I call the small business line again at Wells Fargo as funds are still not available. XXXX hour XXXX minutes later, and I don't know how many departments later, I am told they need a Notarized Proof of Payment Letter from the payee bank. I called the payee bank, and they have never heard of such a letter in their 25 years of banking. At this point, I consider my money to have been stolen by Wells Fargo.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX XXXX ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

I recently received an account opening denial from XXXX XXXX. In there writing they said it was a negative report from Chex systems. I had a prior complaint to them last year regarding negative false reporting by XXXX XXXX XXXX, case number XXXX. 

I called them up over a week ago and I asked them what was being reported and they said there is no negative reporting on your account, but the guy became very rude in his response, and i noted a year prior another person who was from XXXX treated me like I was a guilty criminal and didn't do anything. I let that woman know how wrong she was and that you can not assume i am involved with check fraud because an institute reports it. I believe negative reporting ( especially internal notes ) is still being reported with out me knowing. XXXX XXXX closed 2 newly open trading accounts, one with shares in them. I have gone back and forth with XXXX XXXX about this and they tell me its ChexSystems reporting this and I don't even know what it is, and nobody will tell me what it is. 

I have a SBA EIDL loan in process them telling me nothing negative is on my account and not sending me a report has me really bothered, and people with these type of attitudes for what ever reason has me concerned. Chexsystems operates with impunity in negative reporting whether you are guilty or not, and there is no one or nothing to keep them in check. My question is why???? 

Respectfully, XXXX XXXX
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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

Im a victim of idenity theft and they are not fixing the problem on my report they didnt remove anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX [ Optional : Email Address ] XX/XX/year> Attn : Experian, XXXX, and XXXX I am writing to formally dispute inaccurate and/or incomplete information currently being reported on my credit file. This letter serves as both a dispute and formal notification that you may be held civilly liable for negligent noncompliance under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ), should this matter fail to be properly investigated and corrected in accordance with federal law. Under the FCRA, you are required to conduct a reasonable investigation and correct or remove any information found to be inaccurate, incomplete, or unverifiable. 

Pursuant to 15 U.S. Code 1681o, any person who negligently fails to comply with any requirement under this subchapter with respect to a consumer is liable for : 1. Actual damages sustained by the consumer as a result of the failure ; and 2. The costs of any legal action, including reasonable attorneys fees. 

Should you fail to correct or remove the inaccurate information within the legally required timeframe, I am prepared to pursue all remedies available under federal law, including seeking actual damages, legal costs, and attorneys fees for your negligent failure to comply with the FCRA. 

I expect a written response with the results of your investigation within 30 days of your receipt of this letter, as required by law. 

Please direct all future correspondence regarding this dispute to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Ss # XXXX Ny state id # XXXX
Product: Credit reporting or other personal consumer reports

You Violated the United States XXXX Law ( TILA 15 U.S. XXXX 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX XXXX  XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX  XXXX XXXX  XXXX XXXX ) -, XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ),  XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls  on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : XXXX Inquiry from XX/XX/2017 XXXX XXXX  Inquiry from XX/XX/2017 Credco Inquiry from XX/XX/2017
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report # XXXX. This is my new complaint that I am a victim of identity theft and I submit to dispute these items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged identity theft. I also attached here my new FTC report with reference # XXXX : EXPERIAN : 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 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. These items are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.