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

Someone tried to purchase a car loan in my name and it was not me.they tried over ten dealerships, banks, and financial institutions all was not authorized by me. All have hard inquiries that have affected my credit in a negative way.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXI requested XXXX to send either validation of this alleged debt or proof of contact with wet ink signature. They responded on XX/XX/ with a brief response that read a 1099-C was not issued because the debt was not canceled or forgiven. They only acknowledged a very small portion of what was asked of them. I have no knowledge of this account and would like proof of me signing for such a contract and the terms. They do not have my consent to furnish innacurate accounts on my consumer report and this has resulted in pain and suffering and defamation and denial for credit. I would like them to stop invading my privacy and cease all communication and delete the file from my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : TransUnion Consumer XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Place a Security Freeze and Suppress Sharing of Information Dear TransUnion Consumer XXXX, XXXX, I am writing to initiate a request under the Fair Credit Reporting Act ( FCRA ) Section 605A [ 15 U.S.C. 1681c-1 ] to place a security freeze on my credit profile and to suppress the sharing of any information related to my identity. I do not consent to, nor do I authorize, the sharing of my personal or credit information with any third parties, including data aggregators seeking to collect information about me. 

I further request the removal of my credit file and associated personal information from your data institution. Below are my detailed requests : 1. Provide My Full Consumer File Disclosure : Please provide a complete overview of my consumer file, including the set of documents, procedures, and any credit information associated with my name, addresses, or other identifiers listed in this letter. 

2

. Place a Security Freeze : Immediately place a security freeze on my credit profile and suppress the sharing of any of my information with other parties unless expressly authorized by me in writing. 3. Confirm Completion of My Requests : Once the security freeze is completed, kindly confirm in writing within five ( 5 ) business days. This confirmation should include the details of the security freeze and the necessary information to verify the suppression of my credit profile and data. 

Personal Information : Full Name : XXXX XXXX Social Security Number : XXXX XXXX Addresses : Current Address : - XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Thank you for your prompt attention to this matter. Please confirm the completion of these requests in writing and address all correspondence to my current address provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX  is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitations in CA. This debt needs to be removed off my credit report.
Product: Debt collection

I received notification in XXXX of XXXX that the debt was no longer owed due to the absuive tactics that the two companies I will list below attempted in hopes of receiving money. 
In XXXX of XXXX the XXXX account was closed. Amount was decreased by {$980.00} I then started receiving multiple calls per day before and after the XXXX and XXXX limit, threatening legal action from XXXXXXXX XXXX Collectors. I submitted a claim last year against this agency and my disputed information was found accurate. 
In XX/XX/XXXX, the account was closed and the debt was removed from my report. 
In XX/XX/XXXX XXXX XXXX  sold the account to Midland Credit Management, I have received multiple phone calls again, tried to contact the number on the paper multiple times to ask why this debt is again being reported on my credit report. 
Now it has lowered my credit score and now there is a {$1000.00} amount on my report. 
I do not owe this debt, I have been harassed for over two years. I thought I had this taken care of with my previous dispute and accurate conclusion to that.
Product: Credit card or prepaid card

Subject : Dispute Ref # XXXX Transaction Amount {$1900.00} dated XX/XX/2022 Dear Sir/Madam, I am writing this letter with deep disappointment and frustration over the countless hours spent following up on my dispute request. I had booked a flight ticket through Amex Travel, canceled the reservation due to unforeseen medical emergency before the journey 's start date, and received a confirmation email from Amex Travel with an approved travel credit to be used for a future travel. When I called Amex Travel at a later date to rebook the ticket, they were unable to locate any travel credit in the system.

Despite repeated calls to both Amex Travel and XXXX XXXX, I was forced to proceed with a dispute. Both XXXX and Amex Travel sent emails stating that a travel credit was issued, but neither party knows where the credit amount is placed or how to rebook the ticket with it. From my awareness of accounting principle, when a credit or debit is issued, it should be visible in the system with the customer account. However, why is that nobody is able to locate the credit amount in this instance? 

I'm extremely disappointed by the insensitive attitude of American Express accounting staff towards this situation. Instead of simply denying my genuine request, I request Amex Travel to work with XXXX XXXX to find the travel credit. I believe it is the responsibility of the division to do so when it claims itself to be a seamless travel reservation portal. 

I hope someone from your dispute resolution department can understand my concerns and arrive at a fair decision. I have all the necessary supporting documents for this matter. However, if American Express does not make a fair decision
Product: Credit card or prepaid card

I received an alert from XXXX XXXX and XXXX XXXX that a new account had been opened on my credit report. I proceeded to call Macys and ask them to look into it and close the card. They checked into it and said I didnt have an account open but its still showing up on my credit report saying I do the {$200.00} limit Macys, Citibank , and a card. They refused to close the card out because they said they couldnt find one and its still on my credit report.
Product: Vehicle loan or lease

Last payment made to Wells Fargo on auto loan was XX/XX/XXXX. Next payment promised was made from myself for XX/XX/XXXX. Yet, on XX/XX/XXXX, I went outside to leave in my vehicle and it was not there. I called Wells Fargo auto loans to find out where my truck is located. They informed me at that time they did in fact repossess my truck yet they not know where it is nor how this happened. 

WF customer service told that WF redemption center was closed over the weekend and we had no information regarding the asset recovery vendor. 

On XXXX, XX/XX/XXXX, we learned that Wells Fargo had changed their repo terms from 90 days during Covid to 75 days. We received NO advance written notice of this policy change. 

We contacted the recovery vendor and were attempting to retrieve our personal items from the vehicle.

We believe that we have a valid complaint in that the lien-holder, Wells Fargo , knowingly issued a recovery order, without any attempt to contact us even though consistent payments had been made every two weeks with the next payment scheduled for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Per the attached Home Affordable Modification Agreement, I'm confused by it's wording. I want to pay off the balance early but when I calculate the amortization schedule it calculates out to a 37 year, 1 month payoff schedule. Per the chart in the attached file named " Existing Loan Information XXXX '' : The listed " Contractual Remaining Term '' of 37 Years, 1 Month. The listed Contractual Payoff Date is XX/XX/XXXX so only 17 Years 7 Months from date of XX/XX/XXXX and not 37 years, 1 month. 

In addition, page 2 of the HAMA shows years 1-21 and  total monthly Payments of XXXX from XX/XX/XXXX. I understand and accept there is a deferred principal balance balloon payment of {$21000.00}. I'm disregarding that balloon balance in my calculations but using my current balance of $ XXXX 4.00 % interest and a current P & I payment of {$1200.00} to calculate amortization schedules. 

I need a knowledgeable representative from my current servicer Bank Of America to contact me and explain the amortization to me. I would also like some options in paying it off early.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an Equifax Premier Customer and I have been unable to update my credit score or receive my credit report for over 4 months, because Equifax has blocked my file due to too many soft credit pulls ( inquiries ). Equifax premier service allows you to pull your credit report daily but these fail pulls have resulted in me receiving an error message whenever I try to update my report. And because of this block my mortgage lender was unable to pull my credit file and I can not receive financing on my new home. I need Equifax to ARCHIVE ALL of the soft inquiries on my credit, and FULLY REMOVE the block preventing me from receiving my report. I have tried to get my report on the Equifax Premier Page that I pay for every month, through the MyEquifax Page and through my XXXX, but because of the block, I have absolutely no way of access my file. I also would like a refund for the 4 months I have been paying for the service and constantly calling to have this problem fixed, but the no one could help me. I have attached a photo of the error message that I receive when I click the button on my member dashboard to update my score or credit report. And what my page looks like on MyEquifax.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the Class Action Settlement for the U.S Department of Education on XXXX my application number is # XXXX For the School of XXXX XXXX XXXX I received My Approval of my Borrower Defense Case Under Exhibit C of the Sweet v. Carbondale Settlement on XXXX. The approval letter states the Department of Education will Discharge My Federal Stu loans, Provide a refund for any payments made, and Delete the Credit report trade line associated with the discharge loan ( s ). The Chief Operating Officer on my case is XXXX XXXX his contact information is XXXX. As of today XX/XX/2023 It is still affecting my credit, it has since lowered my credit score by XXXX points.This should have been frozen and unable to affect my credit rating. Thank You
Product: Mortgage

My mortgage was fully paid off, but Freedom Mortgage withdrew an additional mortgage payment from me after the mortgage was paid off. I have sent a secure message and have no response at all after allowing ample time for a response. This amount I could have invested and I believe there should be a penalty or.interest paid on the amount that was incorrectly withdrew. Freedom Mortgage has acted in negligence.
Product: Debt collection

I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with DISCOVER BANK, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, DISCOVER BANK, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, DISCOVER BANK, has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to DISCOVER BANK. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain Credit.
Product: Credit card or prepaid card

My Wells Fargo Credit card is inactive and I have been trying to pay it off and close the account for a couple of years now. Automatic payments were set up through Wells Fargo on three different occasions. These payments of {$200.00} a month were dropped at least twice. Back payments and late fees accumulated. XXXX XXXX XXXX has record of two years of payments initiated by Wells Fargo. Wells Fargo denies I ever made arrangements with them.
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 Federal Protected Consumer Rights to my privacy and confidentiality under 15 USC 1681 Account : 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 Has violated MY RIGHTS. 
In accordance with the Law 15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 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 USC 1681S- ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING RELATING TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Product: Credit reporting

In response to Case # XXXX. XXXX XXXX did n't read the cover letter or any of the supporting documents that were highlighted! They only responded to a {$5000.00} line of credit I had opened with XXXX XXXX in XX/XX/XXXX. That account was closed in XX/XX/XXXX and was paid off and never late. The account in question, created fraudulently by XXXX XXXX Credit card services in XXXX, was sold to XXXX XXXX and collected my XXXX XXXX XXXX in XX/XX/XXXX ( {$80000.00} ). Their actions violated the Dodd-Frank act and addressed by ( XXXX ). The actions of XXXX XXXX and carried out by the Credit Agencies, caused physical and financial harm over the last 7 yrs. Robo-signed court documents created by XXXX XXXX Lawyers used by credit buyers to sue innocent customers! Please attach to the original complaint. 
-XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian has me as 30 days past due on my XXXX car loan account which is inaccurate, I have disputed with no change this needs to be removed. This is NOT true see attached and per XXXX THEY NEVER SENT THIS DATA to Experian. This needs to be removed ASAP as it is unfairly hurting my credit rating
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. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX  has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX had violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXXXXXX XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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

In early XXXX of this year I was going through some really bad financial hardships and was also in the process of moving, and have been missing payments on my 4 Direct Sub Stafford student loans all the way until now. 

I have just recently gotten back on my feet and hold an XXXX job, but I have not gotten settled in my current living situation so I have not been able to repay the payments that are past due. At this current rate, I will not be able to pay on time because of the past due balance for at least another couple months.
Product: Student loan

I had been waiting for review of several of my payments that were finally marked " eligible '' after over a year of waiting for them to review them. Once they did review and mark the payments " eligible, '' I have XXXX XXXX  and now more ) payments out of thXXXX XXXX  needed for forgiveness as of XXXX of 2020. I submitted my application for public service loan forgiveness immediately after receiving this information from Fed Loan. I have heard nothing from them, nor have I received any documents. I called and asked the status of my application. The agent stated that my application had been approved for forgiveness and now it will take 4-6 months to have them officially discharge the debt. The agent could not give me much information aside from saying it would be 6 months for Federal Student Aid to " officially process the forgiven loan. '' This is absurd as I have worked well over 10 years in public service, paying my student debt and continue to have to wait for this company to do their job and obligations under my loan. And now that I am eligible and even APPROVED for forgiveness, it will take another 6 months!?!?!? Furthermore, there is NO ONE I can contact or speak to about my loan forgiveness at the Federal Student Aid facility, so I am not able to actually check the status of my loan forgiveness.
Product: Debt collection

i contacted equifax on XX/XX/2020 and spoke with a representative about inquires on my credit report I sent documentation in 60 days ago and there was no response I also asked for a debt verification and validation of my debt and the representative refused to send it to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Frontline and asset strategies obtained my personal information without my permission and when I asked for clear evidence that it was me who authorized it with clear wet ink signature they failed to provide any evidence PLEASE SEE ATTACHMENTS Ive sent them a notarized letter through Certified mail which is a contract in itself and they failed to respond or remove this report on my credit
Product: Checking or savings account

I just wanted to make my voice heard about the Capital One 360 Savings Accounts. As I'm sure you are aware, Capital One took over ING and accounts became " 360 Savings '' and were advertised as high interest. However, only by a fluke glance at current rates and a phone call to them, did I learn they had added a new account named " 360 Performance Savings '' that actually *did* feature higher interest rates, while the " legacy '' accounts only earned .30 %. All the commercials and marketing made me ( and others ) believe we were getting Capital One 's best rates, when really they had managed to create a new line ( with the same exact terms, no new requirements ) and all new accounts were high interest, but all the existing accounts were left earning essentially nothing. There was no communication about this change. The right thing to do would have been to simply raise the rates on all accounts, and just make the switch automatically. I had to close each account i had with them and open a brand new account just to have the new name and rate. It was asinine and I'm ashamed of myself for not just leaving immediately. 

I learned of this approx XX/XX/2022. It was just upon reading an article about it XXXX XXXX XXXX  that I realized this wasn't just me, and that Capital One may have violated the law. It's too late to make a difference for me, but I do hope that going forward, changes will be made to prevent this type of duplicitous and shady behavior by banks.