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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX D.O.B XX/XX/1992 S.S. # XXXX I am not an attorney or a third party, I am filing a complaint on my own behalf because it is my legal right to do so. I have had my income affected by the Pandemic Shutdown. I am requesting accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am in the process of refinancing my Car loan and I need help with the late payment and repo reporting is inaccurate. 
Please update the following reported account to a current status XXXX XXXX XXXX XXXX XXXX XXXX. I have two unverified account that are not reporting correctly I new had any legal business dealing with the following companies : XXXX XXXXXXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX. I HAVE DEMAND LEGAL DOCUMENTS FROM THESE COMPANIES BEFORE I RECEIVED NOTHING IN WRITTEN CORRESPONDENCE. PLEASE DELETE/ REMOVE THE ACCOUNT AT ONCE!! 

I have found Cell phone numbers on my account that do not belong to me!! 
( 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: Student loan

I have been dealing with American Education Services ( AES, also known as Pennsylvania Higher Education Services ) for over 10 years when they began servicing my loan after XXXX XXXX XXXX ( XXXX  ) acquired my loan from XXXX XXXX XXXX XXXX. I originally took out 3 private loans with XXXX during XX/XX/XXXX and XX/XX/XXXX. I was not asked or informed when my loans were sold to XXXX and then serviced by AES. I found out about the new transaction when they began harassing me for payments, while I was still in school. I have struggled with AES for over 10 years on every level. They constantly change my loan terms and rates without reason, my payments are always fluctuating, and when I've tried to work with them on getting an actual static plan together they are condescending and unresponsive. I recently noticed that several borrowers have been in lawsuits with XXXX and AES and their loans were found to be illegally acquired by XXXX and are now being dismissed as AES has been receiving payment on loans XXXX   doesn't actually legally own. I contacted an attorney about this, as my loans fit the description of all the borrowers who have been in these lawsuits. They are loans that were bought by XXXX during the years of XX/XX/XXXX and XX/XX/XXXX, and are serviced by AES. My attorney sent a letter to AES on XX/XX/XXXX ( I will attach the letter ) demanding proof of ownership of my loans, by providing the master promissory note within ten business days. On XX/XX/XXXX I received an email response from AES with a list of my payment history. No proof of ownership, and no master promissory note. XXXX, the " owner '' of the loan has no address or phone number anywhere, and no one has been able to contact them. I am at the point where I feel my loans have been mismanaged, and are now illegally " owned '' and serviced. I have been paying AES for over 10 years, and my loan amount is {$7000.00} higher than my original principle balance in XX/XX/XXXX. I have been throwing my money away for 10 years, and my credit is ruined because of them. This is criminal ... and there are hundreds of complaints on the XXXX XXXX XXXX about these companies doing this to others, and wreaking havoc on the lives of people. I want this made right! I am terrified to waste another XXXX, as it's not even helping my loan balance, but instead they are manipulating everything to make MORE money. Please help get XXXX and AES shut down for the sake of XXXX XXXX. Lives are being ruined by them.
Product: Credit card

On my BEST BUY statement I notice there were fees regarding a Debt protection program which I never authorized for. I have been a Best buy credit card member since 2009 and the fees over the time are between $ XXXX-XXXX. Some of the fee charged are not even documented on my statement.They have charged me over {$2400.00} in these fees. The problem is if they did not charge me these fees I would of been able to pay off my credit card in time before the promotion was over. Now I got charged by BEST BUY over {$3000.00} in interest fees. Which this made me go over my credit limit also caused an bad impact on my credit score.I have contacted Debt Protection and they stated they will send me documentation and investigate the issue also refund my money buy it will take 30 days. Then I called BEST BUY ( worst customer service ) they stated they do not have any documentation in regard to these fees and the company was a third party. I told them the only thing I signed up for was a BEST BUY CREDIT CARD an now there are fees from this program on my BEST BUY statement and so they have to be a part of it and have some documentation. Best Buy ( XXXX ) said no. I told him I did not go out of my way to get this program and have more fees added to my monthly payment its RIDICULOUS. These fraudulently added by one of their employees. The only thing I signed up for was a BEST BUY CREDIT CARD. There was no mention of another program there is no way I would want to add more charges to my account. DO NOT GET A BEST BUY CREDIT CARD!!!!
Product: Credit card or prepaid card

I am a customer with Barclay card us my arrival card number is XXXX XXXX XXXX XXXX my other card number is XXXX XXXX XXXX XXXX XXXX XXXX is my name date of birth XX/XX/XXXX social XXXX mothers madian name XXXX address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX my complaint is that I told Barclay card that I had a emergencey do to bad weather and power outages in new york during noreaster storm that I needed to increase my credit line on both of my accounts to at least 7,000 or higher. ive been a good customer I made my payments on time even ive been overlimit on my account but I made my payments, I'm surprised that Barclay card us don't help their customers when it comes to an emergencey or disaster. they need to change their policy, also they constantly like to do hard pull on credit reports in order to do a increase that destroys peoples credit scores, other banks like XXXX and XXXX do soft pull in order to increase credit limit increases. it sad that I have a credit card with Barclay us, but I was in a emergencey hear where I needed gas and a increased to pay my sons school bill and they still couldn't help me here, they threw me and my kids under the bus, all I'm asking for Barclay card us is help me please help me hear and be more responsibly when is comes to a emergencey.
Product: Student loan

On XX/XX/2019, I received a PSLF Qualifying Payment Update from FedLoan Servicing for the period between XX/XX/2019 and XX/XX/2019. On the document, FedLoan Servicing has identified 4 total qualifying payments on loan sequences 1 and 2. Given that my loan payment occurs monthly on the 11th of each month, five repayment dates occurred between XX/XX/2019 and XX/XX/2019, and my total qualifying PSLF payments in this letter should reflect 5 instead of 4. On XX/XX/2019 at approx. XXXX EDT, I called FedLoan Servicing and spoke to XXXX ( employee ID XXXX  ). XXXX informed me that FedLoan 's count of my total qualifying payments was wrong and should have been 5 but was inaccurately being counted because FedLoan failed to send a bill for XX/XX/2019. XXXX informed me that the problem would be fixed but he was unable to fix it and had to request an additional review. XXXX did not provide me with any timeline nor a case number. He told me he could not tell me when the error would be fixed. I called FedLoan again on XX/XX/2019 at approx. XXXX EDT and spoke to XXXX ( employee ID XXXX ). XXXX informed me that the case was still pending review and provided me with a case number. He once again told me that he could not provide any timeline as to when the problem would be fixed.
Product: Debt collection

I checked on my XXXX account after receiving notification that my credit score dropped a lot. I saw there was a collections agency called IC Systems Inc trying to collect on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account owes {$2900.00}. I filed a complaint via XXXX XXXX XXXX and now have a credit lock and identify fraud alert on my account. I do not know what this account is and I do not have my own XXXX account. There is also a Georgia address attached to this account that is also being removed. I have tried to call the debt collections agency several times and no one picks up.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian, RentBureau, Tenant Screening Agencies, Nationwide Compliance Offices To Whom It May Concern, This letter serves as FINAL NOTICE regarding your willful noncompliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Unlawful reporting of inaccurate, outdated, or unverifiable information Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibition of deceptive and unfair practices Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 Enforcement against unfair or misleading credit reporting Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Protection against fraudulent or misrepresented debt IMMEDIATE ACTION REQUIRED : I demand the immediate removal of the following dismissed and erroneous records from all reports, databases, and screenings associated with my file : Case Numbers to Be Expunged : XXXX XXXX XXXX XXXX XXXX Properties to Be Removed from My Records : 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 cases have been legally dismissed, and I owe no outstanding balance to any company. Your continued reporting of this data is fraudulent, negligent, and a direct violation of federal law. 

LEGAL LIABILITY & ESCALATION NOTICE Your failure to correct these records despite prior notices constitutes reckless disregard for federal compliance, causing financial harm and reputational damage. 

If these errors are not fully corrected within 24 hours, I will escalate the following actions without further notice : 1. Litigation Filing suit for violations under the FCRA, CFPA, and FTCA, seeking damages for financial harm, distress, and punitive measures 2. Regulatory Action Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), and State Attorney Generals Office 3. Congressional Oversight Contacting federal representatives to report systemic failures in compliance and consumer rights violations 4. Media Exposure Submission to consumer watchdog organizations, legal advocacy groups, and investigative journalists for national awareness CONFIRMATION REQUIRED I demand the following within 24 hours : 1. Written confirmation via email that all inaccurate records have been permanently deleted 2. Legal acknowledgment that I am fully opted out of all negative reporting 3. Copies of all updated screenings and reports reflecting accurate and legally compliant information Failure to comply will result in immediate legal and regulatory action. This letter serves as final notice before formal proceedings begin. 

You are hereby legally bound to comply with all applicable federal and state laws. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I submitted a police report of my identity being stolen and I have disputed all type of accounts opened in my name with my information since, however new stuff keeps popping up with my social. Experian and XXXX are both reporting 2 medical bills that I have never been seen at the hospital for. One of the medical bills is from XXXX North Carolina, a state or city I have never even been to for a XXXX XXXX XXXX XXXX XXXX in the amount of XXXX dollars. This was opened XX/XX/XXXX but I was in XXXX Florida at the time and I have flight itineraries to prove it. Then there is a medical bill for the amount of XXXX dollars with XXXX XXXX XXXX that was opened in XXXX of XXXX, but I moved to XXXX Georgia in XXXX and have not been seen in the hospital for anything, I also have XXXX XXXX so anytime I go to the doctor or hospital they cover the bill in full. I have disputed this bill in particular 3 times and nothing has been done about it, both bills are now seriously effecting my credit and nobody is doing anything to resolve it. I have also paid off a debt in collections in XX/XX/XXXX with Experian for the amount of XXXX to XXXX however they have not removed it from collections and it is still negatively effecting my credit. At this point I am getting very very upset. I spend money to correct things that I actually caused on my credit and it doesn't get resolved and I report things that I had no knowledge of on my credit and that still doesn't get resolved. I am furious!!
Product: Checking or savings account

My unemployment ReliaCard through US Bank has been locked since XX/XX/2020. I am unable to access my account or use my debit card because it is locked. I have called ReliaCard dozens of times within numerous internal departments and with several supervisors in each department. I am repetitively told over and over that there is nothing theycan do to unlock and they have escalated my issue dozens of times. I am about to lose my car and my car insurance already lapsed. I have called the state unemployments office and they said they have no locks on my account. I have called the department of treasury and they have no lock on my account. I have called US Bank and they also do not have a lock on my account. My account was said to have been locked because I spent more than my daily limit was allowed? They needed to verify my identity. I sent them copies of my birth certificate and government issued driver 's license. I still have no answers or can access my account. I am losing everything and the issue is still very unclear to why and how come the lock hasn't been lifted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to XXXX, XXXX, and Transunion in which each bureau or company has erroneous, inaccurate and misleading information on my credit report. The High balance of this account is inaccurate and erroneous. This account is completely misleading, incorrect and is violating 15 USC 1681 a, 1, 2, 3, and 4. Furthermore, the account should be deleted. The High balance amount of XXXX  is {$0.00} therefore the balance should be XXXX if thats the case and the balance fluctuated in dollar amount as well!. The High balance amount of transunion is {$1300.00}. The High balance of XXXX is non-existent which is very misleading. I have disputed these erroneous accounts with each credit bureau for over 90 days with no relief to be had. Please delete this account.
Product: Credit reporting or other personal consumer reports

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX 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. 

1 ) Capital One Auto Finance. That account was reported as a lost to benefit from a tax break on XXXX, I disputed it and it was removed. 

Again they added it again this year for the same benefit. 

I traded a car worth of XXXX XXXX for XXXX XXXX because I needed a bigger family car. I was facing difficulties and the car was repossessed with me facilitating the process. 
They never update the balance of the loan. I believe they use that tactic as a loophole to benefit from tax breaks, that is hurting my credit crire, preventing me from buying a house. 

I also would like the : XXXX XXXX XXXX XXXX XXXX to be removed from my report as well because I do not owe that debt, unless they can provide proof about how I owe them the debt. 


I understand that under 15 U.S.C. Sec.

1681 ( 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
Product: Credit reporting or other personal consumer reports

XXXX is being reporting an inquiry from XXXX XXXX XXXX XX/XX/2022. I have no business with this company or authorizes this company to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : {$850.00}, XXXX  - XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00}, XXXX XXXX ( Original Creditor : COMMUNITY HOUSING DEVELOPMENT ) XXXX Balance : -, XXXX XXXX XXXX ( Original Creditor : CREDIT XXXX BANK XXXX A ) XXXX Balance : {$970.00}, XXXX ( Original Creditor : XXXX REPUBLIC SERVICES XXXX ) XXXX Balance : {$180.00}, XXXX  ( Original Creditor : XXXX THE BANK XXXX MISSOURI ) XXXX Balance : {$810.00}, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I REQUESTED TO BE ACCOMMODATED UNDER THE ADA. THEY SAID THEY WILL NOT ALLOW TDD, TTY OR XXXX CALLS AND THAT THE XXXX MUST WRITE SNAIL MAIL TO FILE ANYTHING
Product: Debt collection

The basis for my dispute National Credit Adjusters , LLC XXXX XXXX XXXX XXXX, XXXX, NATIONAL CREDIT ADJUSTERS, XXXX ..., {$650.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

NATIONAL CREDIT ADJUSTERS, L.L.Cfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX XXXX section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, NATIONAL CREDIT ADJUSTERS , L.L.C '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of Texas allows treble damages.

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) National Credit Adjusters , LLC XXXX XXXX XXXX XXXX, XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve NATIONAL CREDIT ADJUSTERS, XXXX held liable as well for defamation and in the state of Texas a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-Dallas XXXX writ XXXX XXXX XXXX. )
Product: Vehicle loan or lease

Hi, so I finance my vehicle from XXXX XXXX XXXX XXXX XXXX  through Westlake Financial on XX/XX/2020. My first payment was due XX/XX/XXXX, and I wasnt able to make that first payment which I contacted the bank to entend my first payment because I had XXXX. I sent them the information, all my documentation and they were able to extend it. On XX/XX/XXXX, a toll truck came and towed the car away, not knowing who did. Ive called westlake to see if they towed my car and they said no I need to call the dealership, they have no clue on that. I called my dealership and they as well said no they didnt. I was giving the run around on where is my vehicle which I feel like a fraud is going on. Where is my vehicle??