23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I Made A Purchase XX/XX/2022 For XXXX For A Laptop Computer On XXXX And At That Time I Wasn't Aware That It Was A Third Party Selling On XXXX 's Web Site.This Third Party Falsely Advertised This Laptop 's Specification 's So I Opened A Dispute With Discover. I Been A Customer With Discover For 28 Years And Never Been Disrespected Like This Before, I Uploaded All The Necessary Documents Supporting My Reason For The Dispute so They Gave Me a Temporary Credit, Then We Were Waiting For The Third Party To Respond, When The Third Party Responded They Said I Violated Their Return Policy And Discover Completely Ignored The reason For My Dispute And Found It To Be In Their Favor And Said the Transaction Was Valid. I Reopened The Dispute Multiple Times And Each Time I Called Discover And Explained That This Wasn't About A return Policy, I Called At least XXXX Times And Spoke To Multiple Different Supervisors And They Continued To Tell me The Transaction Was Valid, I Was Treated Very Rudely And Was Even Hung Up on A XXXXple Times. Then I Made A couple Complaints About A Couple Of Employees. I Have Uploaded Documents Supporting This Issue. At This Time They Again Are Waiting For Their Response. They Keep Using The Same Reason And Discover Continues To Close The Dispute In Their Favor. When You Look At my Documents Supporting This Dispute You Will See This Is More Than Just False Advertising And That This Was No Mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX when I originally reported identity theft to al credit reporting agencies and registered with FTC Confirmed by office of comptroller for currency in XX/XX/XXXX Transunion has continuity reported incorrect info on my credit report I received correspondence from transunion XXXX XXXX Saying they corrected my credit report On the current version They took off creditors accounts that pertain to my 40 year credit history And left. XXXX which I did not apply for and reported fraudulent to XXXX banks in XX/XX/XXXX Also transunion changed a loan from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Why? 
They stated it was their transunion.reporting Error XXXX XXXX loan was reported as XXXX $ per month paid off in XX/XX/XXXX As per XXXX XXXXXXXX XXXX XXXX XXXX there was a note put against my home from them at approx {$530.00} per month so this is INCORRECTLY REPORTED by transunion I want to know where transunion got the information and who authorized the change of the name if the financial institution Also XXXX XXXX XXXX XXXX has denied a transunion reporting inquiry of XXXX And XXXX XXXX has denied a transunion reporting for an insurance underwriting inquiry of XXXX XXXX XXXX has stated their was a fraudulent hard inquiry of XXXX Along with 20 other soft inquiries XXXX XXXX has denied a hard credit inquiry reported by transunion XXXX XXXX XXXX has denied a hard inquiry of XXXX reported by transunion Where does transunion get your reporting info from to put it on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent to Equifax on XX/XX/20 there has been absolutely nothing processed or no sign of investigation and no information has been given to me. 

Not only are the accounts in violation of Federal Law ( unknown and not belonging to me ) they're also not even investigated at all. I've sent these accounts certified mail and I do see XXXX is in receipt of this. 

Its now 2-3 months with NO communication. What's going on? I will be pursuing legal assistance ASAP!
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following accounts and information off from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Balance {$690.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. I have read thatt according to the Fair Credit Reporting Act section 605b, you are required by law to remove any acounts and information that resulted due to identity theft, so please comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the credit bureaus because of an account I felt was being reported inaccurately. I had a loan with Bank XXXX. During the time of the loan I was also having some other XXXX and XXXX  issues and filed for bankruptcy. During the time of the bankruptcy I asked that the loan not be included. The lawyers explained to me that the judge would include everything and then the bank and I could go back and re-affirm the loan. I continued to make payments on the loan. I met with the bank XXXX XXXX XXXX and he agreed that we would keep the loan active and re-affirm the loan. Unfamiliar with the process I was told I simply had to keep making the payments and the loan would be reported as up to date and paid. I completed the terms of the loan as agreed and paid off the full amount. The loan is now showing on my credit report as being written off in the bankruptcy. I contacted the bank and asked for them to correct the information in the report. A bank representative did send me a copy of the loan payments to give to the credit bureau and the information on how to dispute it. I submitted the documents along with the dispute to all the credit bureaus. Several weeks later I get a letter from them stating that they " verified '' the information to be accurate as written off in the bankruptcy and it would remain on my report as such. I disputed it a second time with the documents and they still did not change it. I am unsure how they can leave it as a negative on my report when I clearly gave them proof from the bank that it was a positive account that was re-affirmed and should be reported as such. I requested that they simply update the account with the correct payment history and take off the comment of included in bankruptcy because it was not.
Product: Consumer Loan

I have a car loan through Hyundai Motor Finance and they do not provide me with the interest rate of my loan. This information is not available to me via my online account with them and it is not listed on my monthly statements. Interest rate is a critical piece of information about my loan and should be included on my monthly billing statements.
Product: Debt collection

Threatened to sue me on debt that is not mind. I have requested for validation and verification, but to no avail. I never been to any hospital, nor any doctors. An now these people are calling and threating to take me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent correspondence to Equifax via USPS Mail, they have failed to conduct a physical verification. I requested verifiable proof of accounts and inquires listed in my correspondence to Equifax. The disputed information wasn't confirmed or verified, in a timely manner. This reporting agency still hasn't reached out to me. They must comply per their policies and remove reported accounts and inquires that they haven't verified in a reasonable time frame.
Product: Checking or savings account

On XX/XX/XXXX I applied for a BBVA checking and savings account using a promotional offer to receive a {$200.00} and {$50.00} bonus respectively. I have completed the requirements of the offer. When I asked BBVA when I would be paid, they said that I wasn't eligible because I had a checking account open in the last 12 months. Fortunately I keep my own records and know this is incorrect. I closed my last BBVA checking account on XX/XX/XXXX. As anyone can see, it has been more than 12 months and thus I am eligible under the terms.
Product: Debt collection

For XXXXXXXX XXXX XXXX XXXX my hippa rights were violated my information was giving to a debt collector by the name of Collectech diversified which by the way are very rude and not helpful
Product: Checking or savings account

The problem I have is with Bank of America. I had fraud on my account and they did not reimburse my claim. Here are the details : On XX/XX/XXXX, I was given a check through email for a job that I did. Innocently trusting the man for the job, I deposited the {$4000.00} check he gave me. ( I have pictures of everything if needed ). Without sending or spending any money, I waited to see if the check would clear. The next day, XX/XX/XXXX to be exact, the check was verified by B of A. Excitingly, the bank put the {$4000.00} in my checking account. To my knowledge, I thought the bank thoroughly looked over the check that was given to me since they gave me {$4000.00}! Never being taught how checks work, I thought it was valid. I then was deceived into sending the scammer {$3500.00} through XXXX for materials for the job. That same day, my common sense finally kicked in and I realized it was a scam! That same day, I instantly went to my local branch to talk to my extremely helpful banker. I reported the fraud hours after. My banker said to me, honestly, this is kind of our fault too for not thoroughly going over the check. He then began to explain to me how checks work. He saw my pictures and evidence and fought very hard for me! I have been a customer of Bank of America for years, and Ive never deposited a check that hasnt taken up to 48hrs to process. B of A gave me the money the next day for a sketchy check without my signature on it. I think it is wrong for B of A to do this to me. XXXX XXXX XXXX brought this to their attention and B of A refunded the people the money for the same issue! This issue is not fully my responsibility. This makes no sense for B of A to give {$4000.00} without thoroughly checking the check, then holding me responsible.This is a multi million, if not XXXX dollar organization. This {$3500.00} was a huge hit for me as a XXXX but is nothing for them. I would truly like to solve this issue. I am a XXXX XXXX  and about to get married and I was saving up for a wedding ring. It just really hurts that Im going through this. Please help! 

I put some pictures of the check and the guy who scammed me. I also took pictures of what my personal banker told me to do. Also some more information that may be needed! I hid my bankers name so he doesnt get in trouble.
Product: Student loan

I applied for the XXXX XXXX  back in XXXX. At the time I was told it would be a 15 day application process. I have been strung along by people telling me it is still in process and I just need to wait a little bit longer, but the time frame keeps increasing and increasing. In the meantime, interest is accruing on my loans. 

My most recent talk with a customer service representative had the representative tell me my XXXX application was denied and that I was in the XXXX program as well. When I asked for clarification, she stated that the application was actually still in process. Then she said I could re-apply to hasten the process. When I questioned if that would actually work she said re-applying could delay my application more. She then told me to wait another 30 days before calling again. 

I feel like I am talking to people who have no idea what they're talking about. They are just making up answers and wasting my time. Meanwhile, my interest is accruing when it shouldn't be. This is ridiculous and I am very close to just refusing to pay outright until they get their act together.
Product: Vehicle loan or lease

Capital one auto finance is incorrectly reporting my home address from a charged off auto loan. They are still reporting and old address from 2013 '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXXMy current address " XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. Could you please update the address and report it correctly. Thanks!!
Product: Student loan

The loan servicer has been failing to set up repayment methods and purposely letting auto payment become delayed to charge additional interest. 

Even though I have documentation of auto-pay being set up it continually gets cancelled. 

My Timeline and documentation : XX/XX/XXXXXXXX  First request to set up auto pay. Received email confirming the request. 

XX/XX/XXXX Autopay not triggered, paid manually XX/XX/XXXXXXXX  - received communication to set up auto-pay XX/XX/XXXXXXXX  - auto pay set up again, received email confirming request XX/XX/XXXX Autopay not triggered, paid manually XX/XX/XXXX Autopay not triggered, paid manually
Product: Credit reporting or other personal consumer reports

Attention Lexis nexis : reviewing my credit report there are many errors that need to be corrected My name is XXXX XXXX, I have never used another name. The following names should be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, My address has always been XXXX XXXX XXXXXXXX XXXX XXXX XXXX fl XXXX The following addresses do not and did not belong to me and should be removed : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX The following emails do not and did not belong to me and should be removed : XXXX XXXX Thank you very much, sincerely : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XX/XX/2016 I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Product: Student loan

Hello, I went to XXXX in XXXX, MI. I read an article on the way XXXX defrauded student loans. I, too, was in school at that time and had XXXX of those XXXX loans. I feel that I should not have to repay the remainder of that loan based upon that lawsuit against them. My loan, no doubt, has been sold to UAS ( University Accounting Services ) LLC. The address is : XXXX, MN XXXX. Any help would greatly be appreciated.
Product: Credit reporting or other personal consumer reports

These late payments do not align with my consistent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2008, I have kept very close monitoring of my credit ; however, in the past several years I have requested annually " free '' credit reports AND scores, but have NEVER received any score from any of the three agencies. When requesting both, there is a box to check for both, but when the report is received it literally says, No Score is included with no information on how to obtain that " free '' score without having to '' jump through more hoops '' and sign up to pay for it on another website.

When calling the three agencies, I have been put on hold for more than 30 minutes to an hour and have NEVER received an answer or a response as to why I can not get my credit score as well as my report. The most notorious of the three reporting agencies is Experian. You must sign up on line and pay for your score. 

Withholding a consumers financial history, in my opinion is equivalent to withholding critical medical information from a consumer that can assist them in improving their health. Consumers lacking easy access to their personal financial evaluations ; e.g. scores and reports does NOT allow them to negotiate effectively with lenders, but more importantly benefit from lower interest rates etc. they have worked so hard to EARN! I maintain excellent credit ; however, anytime I have applied for a loan of any kind, the lender has ALWAYS had a " lower '' score than I was aware of which they use to increase my interest rates and thus costing me hundreds of thousands of dollars over the years! 

What is the point of withholding or making it nearly impossible for a consumer to obtain credit scores AND reports, but to give lenders and corporate entities a financial advantage over the consumer? If consumers are allowed BY LAW to have these reports annually, the three major reporting agencies should be abiding by these laws and not continuing to put barriers in the way of consumers obtaining critical financial information. And, if found in violation, these three agencies should return the hundreds of thousands of dollars lost to consumers since the receipt of a free annual free credit report and scores to consumers was signed into law.
Product: Payday loan, title loan, or personal loan

Hello I am XXXX, one the customer that bought a vehicle from USAUTO SALES. THEY ARE TRYING TO START MY FINANCIAL PAYMENTS FROM START. NEVER WAS NOTFIY OF THIS COMPANY LOSING BUSINESS NOR ANOTHER COMPANY TOOK OVER. But is trying to double up impairments and buyouts
Product: Debt collection

National Credit Systems , INC has put a debt of {$3600.00} on our credit reports and is billing us said amount for an apartment we were not the signed, legal residents of at the date they are claiming the debt was made. 

On XX/XX/XXXX via XXXX certified mail tracking number hidden National Credit Systems , INC received the information they requested to invalidate their assignment of the debt to us when we opened an investigation to dispute the debt they were reporting to the three credit bureaus. They failed to remove the incorrect information from all credit reports and erroneously claimed to verify the debt. 

On XX/XX/XXXX via XXXX XXXX mail tracking number hidden National Credit Systems , INC received the information they requested again in a letter dated XX/XX/XXXX to invalidate their assignment of the debt to us when we reopened an investigation to dispute the debt they were reporting to the three credit bureaus. They again failed to remove the incorrect information. 

On XX/XX/XXXX National Credit Systems , INC sent out the same letter now redated to XX/XX/XXXX requesting the information we have already provided twice and that they are in possession of with proof that they have incorrectly assigned this debt. We are now exercising our right to a formal complaint with their failure to comply with the Fair Credit Reporting Act, Under section 609, 610, and 611 and understand that this issue entitles us to a sum of {$1000.00} per individual as outlined in the FTC Fair Debt Collection Act section 1692-1692p. 812 and 813. 

The proof we have sent them is as follows : National Credit Systems, INC provided a statement of account from Registry at XXXX XXXX XXXX The date listed as a move-out date is XX/XX/XXXX. We sent back the copy they sent us circling the information that proves the debt is invalid. 

National Credit Systems , INC provided the signed and dated move-out inspection form from Registry at XXXX I XXXX with our signatures and the signature of the apartment manager dated XX/XX/XXXX. The balance due at move-out was {$0.00}. We sent back the copy they sent us circling the information that proves the debt is invalid. 

National Credit Systems , INC provided a copy of our signed lease that clearly shows our lease term was XX/XX/XXXX to XX/XX/XXXX. We moved out 8 days before our lease was up. We did not sign a new lease nor did we sign an extension. National Credit Systems , INC has not provided proof of either. We sent back the copy they sent us circling the information that proves the debt is invalid. 

National Credit Systems , INC failed to provide a signed and dated lease or lease extension showing that we were residents of the named apartment themselves as they already have the proof we were not the legal residents at the date provided. The evidence they already have and keep submitting as proof clearly shows we were not the occupants at the date provided and that this debt and the account belongs to someone else. We moved out months prior and were already in another lease in another state.
Product: Debt collection

XXXX XXXX XX/XX/year>XXXX NATIONAL DEBT HOLDINGSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Dear NATIONAL DEBT HOLDINGS, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. The details of the debt in question are as follows : Creditor Name : XXXX In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied.

3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome.

Please confirm receipt of this letter and provide a written response within 15days, as required by law.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX