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

I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the explorer immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.
Product: Checking or savings account

I am emailing you all in regards to a matter that has gone unresolved dating as far back to XXXX. In that year of XXXX there was a incident of a check that I deposited for a relative that had returned after processing. This incident took place at the very same time as the XXXX of my XXXX and my battle with my health which had taken a a downward spiral. My family and I were deep in grief, disbelief and hurt as we sought to lay my XXXX to rest, seek justice for him, and find peace. I deposited the check unknowingly that it was a any issue as I am was just being family to a a family member. You all notified and made me aware of the matter. I was in no headspace to pursue the matter of claim against this relative because of what my family and I were already faced with. So I paid the amount that was made to cash, the penalties and all monies owed in the excess of the returned/insufficient check. I did not bother with dispute or refuting, thinking that I can not handle going through that arbitration, deal with trying to hurry my nephew, as well as my diagnosis of XXXX XXXX I was just in no shape to begin to just have more to deal with outside what I was struggling with at the time. Unbeknownst to me this will cause my account to be restricted and lead to me not being able to have a live active checking account with you all. Aside from that although I have the restriction and closed checking account I still have my savings with this financial institution which is baffling, disheartening, in short overall unjust that even with the savings I can not fully access the complete experience of banking with your financial institution as I had in the past prior to the incident. If that were not enough you all issued a credit card to me in which I am prohibited from using. I received the card and then a letter stating that I can not use the account as aforementioned due to a restriction. This same account and card that I am not able to use however, was used fraudulently by someone else. So now here we are with no resolve in the matter of me not being able to have a checking account, but I have an active savings account as well as having a credit card that I am not allowed to use, but it has been fraudulently used. In no way does this makes any logical sense. So I ask that you handle this matter will great intent, diligence, respect and regard to have me treated fairly as a customer/ banking member. All I ask is for this to be cleared, grant me access to the credit card and to a checking account. 
My access # XXXX and credit account XXXX .....
Product: Student loan

XXXX XXXX is violating my consumer rights and federal law. 
On XX/XX/2022 I was denied an extension of credit by XXXX XXXX. On this date, I completed an online application for their student private loans in the amount of XXXX. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( XXXX  ) and XXXX XXXX assume civil liability pursuant XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the email and text messages XXXX XXXX sent me dated XX/XX/2022, XX/XX/2022, XX/XX/2022, are both proof and evidence that I have been discriminated against, XXXX XXXX is also criminally liable. I also called on XX/XX/2022 to clarify the reason for this " denial '' yet the representative kept saying it was not a " hard denial '' and I need a cosigner if I want the " loan ''. 
XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Product: Student loan

This complaint is in regard to what is believed to be a scam company referenced as Premier Student Loan Center allegedly located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( likely a drop box ) with

various telephone numbers that appear to be local and web address www.premierstudentloancenter.com.
PSLC called me today at XXXX from XXXX ( XXXX   XXXX, TX ). After multiple disregarded calls from them, I answered this call. The lady asked for my name and how much I owe in Student Loans, then transferred me to another lady who was going to tell me all about the forgiveness program. 

Enjoying the amusement, I decided to listen up.

She again asked for my name and amount I owed. I informed her the lady gave her that information when she introduced the call, and I only want to know about the program. She said she would just make it up, I said OK. She then proceeded to explain the program to me and stated the Department of Education will pay my loan off through PSLC , take it back and lower my rate. I responded, first off, the Department of Education isn't paying off anything, they never have or will so let 's get that straight. She immediately started yelling to the top of her lungs, stating I work with loan forgiveness and you don't know what you're talking about, You are trying to tell me you know everything, I don't understand the point of this call if you refuse to let me talk. She paused for a second and I started laughing and asked why she was so upset, she then started up again, I'm not upset, I'm not yelling, you're yelling, then she put me on hold for 3 minutes and disconnected the call.

As comical as it may be to me, I'm fortunate to have a career where fraud is identified regularly, but others aren't so lucky. This company need to be shut down, sanctioned and fined for these illegal practices and taking advantage of misinformed and disadvantaged people!
Product: Credit card

XXXX XXXX I went to a furniture store, the offer me a credit card payment with " acima ''. 
The amount of the purchase was {$2700.00}. 
I signed a electronic agreement without any paperwork that was giving. 
I have been payment the credit card weekly. 
Yesterday I found when I finally got acces to paperwork, it happened that was not a credit card program but a leasing program. 
Basically they require me to pay {$5000.00} with payment until XX/XX/XXXX, or to pay off {$1200.00} to close the account. 
I have already payed off {$3000.00}. 
I strongly believe that I was scammed and " acima '' mislead customer. 
I need your assistance because, I also found out a government lawsuit against this company for the same cases. 
I called my bank and asked to stop authorization payment. 
Acima comes on different references and keep charging my account.
Product: Checking or savings account

Had a checking account with direct deposit when I went to close it they left it open and charged all kinds of fees after calling them for 3 months they finally closed it
Product: Debt collection

... A company called " AlliedInterstate '', which only shows a XXXX as address, has tried to " collect '' a debt on behalf of " XXXX XXXX, XXXX. " ; for such I have no knowledge nor I owe anything to that bank/credit ...
Product: Student loan

To be given restitution or loan forgiveness for over charged interest rates to charge to me attending XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX on campus in XXXX, Texas and online in XXXX XXXX IL location please help me resolve my issues with XXXX XXXX. They say I owe {$73000.00} Sincerely, XXXX XXXX, XXXX XXXX ID # XXXX at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report # XXXX dated XX/XX/22. 
I have contacted dispute agents at Experian on XX/XX/22, XXXX different individuals including XXXX supervisor to dispute the soft inquiry titled " XXXX '' wich was accessed on XXXX andXX/XX/XXXX.The agents state an dispute can not be initiated. 
Under XXXX XXXX one must have permissive permission to access ones credit report with identifying information as to whom is accessing the report.As you can see as clearly as the nose on your face this is not the case on the enclosed report # XXXX I demand that this information be available to me.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

After disputing these inquiries the reporting agencies investigation came back verified. However, I'm requesting the Method Of Verification as my rights via the FCRA and if I'm not given all the methods of verification as I'm requesting then these inquiries shall be removed as they are unauthorized. The following inquiries are ( 1 ) XXXX ( XX/XX/XXXX ), ( 2 ) XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX XXXX  ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress. 

Over the past several XXXX, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing. 

I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust. 

I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly. 

Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process. 

If the fraudulent items are not promptly removed from my credit file, I may have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. 

I appreciate your immediate attention to this matter and your commitment to rectifying the inaccuracies on my credit file. Thank you for your prompt action in resolving this critical issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a complaint against Bank of America. # XXXX ; OMB # XXXX. Bank of America still refuses to return my money from Collections etc. that I have done everything I could to prove they fraudulently took over XXXX $ of my money. 
Furthermore, while investigating my credit reports I have discovered that BOA has been purposely incorrectly reporting that I have been carrying high balances and not paying on my credit card for years! I have filed disputes as I never ever carry balances and I always pay off my card every month. XXXX and XXXX  disputes are being taken care of as XXXX and other federal agencies are also involved for some reason XXXX still is not being fixed. 
There is a XXXX XXXX from BOA who refuses to call at a time where I can actually return her call. She refuses to return her emails. Again, I am at my wits end. This XXXX is supposed to be a Resolution Specialist of Regulatory Complaints XXXX ext. XXXX I would like my money back from Collections etc. Which is in excess of over {$200.00} and from the fraud that I reported from the XXXX account $ XXXX.I am also expecting BOA to fix their nonsense and correct all information on my credit reports. They have been lolligagging for far too long.
Product: Consumer Loan

I purchased a vehicle from Heritage Acceptance Corporation for XXXX. I was having a lot of problems with it so it gave it back to them and decided not to keep it. 
Heritage Accept. reported that I did give it right back to them, However, they immediately sold the vehicle for more than what I owe. Now they are reporting on my credit that I owe them XXXX. They also filed a XXXX in the amount of XXXX. That is not accurate. This is fraud. Now that make me have XXXX. 
unreported income. This is not right. Please help me with this matter of unjust fraud
Product: Payday loan, title loan, or personal loan

I did not and have not ever requested this account and did not receive anything for charges reported. I simply inquired about the terms never accepted any product nor payment plan because I could not agree to terms rendered. I have notified creditors and was informed they would take care of there mistake not worry and then they did nothing and placed in collections on my credit report. I was told to call person whom property I inquired about to make sure they cancelled the rental which I never agreed to rent they canceled I received an email from and did forward to affirm which is company causing me harm. No corporation whats so ever in this matter. No I repeat I did not in any way agree to any contract with either party.
Product: Credit reporting or other personal consumer reports

I have been disputing the following incorrect information on my credit report since XX/XX/XXXX and yet theyre still refusing to delete them from my credit history. 

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 from XXXX is still showing up on my XXXX credit report. 

These are very old accounts and should no longer be reflecting on my credit report and my credit reports with XXXX, XXXX, and Equifax are inconsistent. 

I believe this is discrimination against me because I am an XXXXXXXX XXXX XXXX  who is trying to achieve goals that are being hindered due to inconsistency in my credit reporting.
Product: Student loan

My name was falsely signed to obtain loans at Wells Fargo for my sons student loans. I was harassed by WF about paying them. the loans defaulted. as a settlement I paid off the loans ( since they were for my sons education. I refused to pay all of the late fees and interest WF said I owed. I have asked WF to show me my signature that shows that I signed for the loans. they have never been able to produce any signed document after the first semester which I did sign. WF wanted me to fill out a criminal complaint against my son which I refused. I asked them If I did fill out a complaint would I get my {$40000.00} back that I did pay. they would not commit to that.to this day my credit is still in shambles due to the fact WF will not release my Loan debts ( which I never signed for and have paid ) because they say that they defaulted
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I went through a bankruptcy in XXXX and received a discharge. Aspire student loan servicing was removed from my credit report and the balance dropped off. Three months after the discharge they added the balance back and negatively affected my credit report. I have tried numerous times to reach out to Aspire and inquire as to way its reporting again and to speak with their bankruptcy department and have been denied the information I am seeking. I struggled to pay the loan back then and now find myself no better off than before the bankruptcy because of the balance. My principal balance has been paid down very little over the life of the loan. Many of the balances have gone up. My XXXX loans through them have totaled a little over XXXX in XXXX. In XXXX I still owe XXXX. XXXX of my payments have gone to the principal and XXXX has been paid in interest
Product: Mortgage

Mr. cooper, as the servicer of my mortgage, disabled my automatic payment. I was only made aware through a collection call after the payment went unpaid for 10 days. I promptly made the payment and reestablished the auto payment. There was no notification my auto pay had been disabled.
Product: Mortgage

I attempted to lower the current, 7 %, interest rate of my home by refinancing. I was contacted by Cardinal Financial Company to refinance my mortgage ( recorded ). I told the Cardinal representative about prior attempts to refinance and prior appraisal fees paid. I was NOT willing to pay for another appraisal. I also gave the Cardinal representative underwriting information that would be on my title search. I was trying to be as transparent as possible. This representative assured me that I should have NO problems acquiring refinancing. I subsequently paid the {$470.00} for an appraisal. After 82 long days of meandering, Cardinal denied my refinance. I feel that if lending institutions did the underwriting, credit check, etc. FIRST ; they would then ascertain what an appraisal amount should be. Instead they collect appraisal fees FIRST. Sounds like a scheme to me.
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX Account number : XXXX Account name : N/A Account number : XXXX Account name : N/A Account number : XXXX Account name : XXXXXXXX XXXX Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or 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: Student loan

Nelnet indicated that my payment was past due ( XX/XX/XXXX ), even though I have auto payments set up. Fearing that I missed a payment and then would retain my auto-payment discount they offered I proceeded to submit a manual payment ( XX/XX/XXXX ). I called them the next day ( XX/XX/XXXX ) ; they explained that they had an issue with auto-payment, but that it would backdate once the payment went through. I requested they then delete my manual payment. They confirmed they would. The payment still went through. I called again XX/XX/XXXX and they told me they could not do anything and when they transferred me they hung up. 

I filed a complaint, and they responded and said on XX/XX/XXXX that they changed the charge to apply to my loan with the highest interest rate. I followed up, and they said the change would take a month to indicate on my account. It is now XX/XX/XXXX, and the change has not been made.