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

Ive pulled my credit report & noticed a few unauthorized hard inquiries on my credit profile that wasnt to my knowledge nor do I have any business with these companies nor did I give any consent to these companies to run my credit. My assumption is someone had gotten my personal information and tried to apply for something against my consent & knowledge. The INQUIRIES IM REFERRING TO IS : Company : Date of Inquiry : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX. XXXX 4. XXXX XXXX ( I contacted these companies and they werent able to verify my information nor did they even have my information in their system and recommended me to contact the credit bureaus to remove these inquiries but as I contacted the credit bureaus they claimed that I need to file a police report to get the inquiries removed which I did and I do have the police report number if requested ( will be included in attachments )
Product: Checking or savings account

There was fraud. Money taken out my account. I had to close could not afford the overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy in XX/XX/XXXX in Florida 's Southern Bankruptcy Court. This information and the subseuqent Discharge in XX/XX/XXXX has been relayed to all Credit Reporting Agencies ( Equifax, XXXX  and XXXX  ). 

Equifax has no record of this on my file after repeated attemepts to correct.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit reported and noticed multiple inaccuracies and unauthorized accounts/information reporting to my credit report.
Product: Vehicle loan or lease

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent I XXXX XXXX XXXX was approved for a Capital One XXXX XXXX Auto Loan on XX/XX/XXXX in the amount of {>= $1,000,000} for a XXXX XXXX XXXX submitted by XXXX XXXX XXXX XXXX XXXX sales associate XXXX XXXX, but under certain stipulations that violate Equal Credit Opportunity Act ( ECOA ), Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ). It has come to my attention that the criteria for qualifying applicants and determining interest rates is based on a TIER METHOD that ranges from 1-9. Please note that this method is in clear violation of the Equal Credit Opportunity Act as it intentionally discriminates against applicants with lower credit ratings, and applying higher interest rates and requiring down payments to applicants with a lower credit rating even though they qualify for credit. Also, based on the decision details the stipulations for the Auto Loan as mentioned in the comment section stated that there was a minimum down payment of {$1000.00}, maximum allowed maintenance is {$2000.00}, and maximum allowable payment is {$800.00}, all of which are clear violation and discrimination as an applicant can not be offered less favorable terms than someone else who qualifies for credit under Equal Credit Opportunity Act, Truth in Lending Act and should be included in the Finance Charge and the amount approved. These terms set forth by Capital One XXXX XXXX has impacted my ability to obtain goods and services for personal use, impacted my general mode of living, and impeded with commerce. I am requesting that Capital One set forth favorable terms that are issued for someone else who qualifies with a better rating. As I understand credit rating is one of the factors for consideration it is NOT a deciding factor. Please be advised that these stipulations set forth by Capital One XXXX XXXX does constitute adverse action and has caused actual damages in the amount of {$38000.00} and any failure to remedy this Auto Loan or provide favorable terms you agree that the above-mentioned statements are true and that XXXX XXXX XXXX may take all necessary steps to collect the amounts owed to him. You have THIRTY ( 30 ) DAYS upon receiving this complaint to cure any defects. 

Thanks for your immediate attention regarding this matter! 
Very Sincerely, XXXX XXXX XXXX
Product: Student loan

My son and I received a letter from the Nelnet Student Loan Servicer today, XXXX/XXXX/2016, introducing the fact that they had been selected by the U.S. Department of Education to be our student and family loan servicer. The letter refers to an enclosure that we should read, but there was no enclosure in the mailing. We do n't feel that we have received all the information we need, and our confidence in the servicer is n't enhanced by a mistake that, if it included all the other people who received the mailing, could represent a significant error and possible financial expense on the part of the company. The letter was addressed to my son, XXXX XXXX, and was dated XXXX XXXX, 2016. We would appreciate it if the company would forward the missing piece, and would not object to being allowed the option of choosing another servicer. Thank you for attending to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

amount {$1000.00} I have never done business with XXXX XXXX XXXX. I do not have a signed contract with XXXX XXXX XXXX. I have the right to demand to see a signed contract between XXXX XXXX XXXX and myself
Product: Credit reporting, credit repair services, or other personal consumer reports

Its XX/XX/2022 and I have been paying {$22.00} ( CAD ) every month since XX/XX/2022 to access my credit report and score and every time I login to check, it gives the error To view your credit data, first logout, then back in. Please note that you may need to change your password after logging in. If you're still having difficulties, please contact Customer Service.

Now every single time Ive called, they lie and tell me to wait 24-48 hours that service would be restored but for 4 months now, nothing is been done. When I call the customer service, they redirect me back and forth between these two numbers : XXXX ( XXXX ) XXXX And XXXX ( XXXX ) XXXX. 

After been bounced 6 different times, I requested to speak to a supervisor who pretended the call was bad after I complained that I could not hear her as she sound muffled. I cant believe the awful customer service they offer. Today, their system is down, it just feels like theyre trained to lie, sell data to hackers and be rude! 

They need to listen to my calls on XX/XX/2022 between XXXX to XXXX EST to understand the level of incompetence their agents and even supervisor carry, absolutely disgusting.
Product: Vehicle loan or lease

I have been making payments since XX/XX/2018 to American credit Acceptance ... monthly {$610.00}. not always in a timely manner ... but kept communication open and in good faith kept all arrangements regarding dates agreed on to get account current..total paid to date is {$15000.00} ... {$14000.00} was taken and applied to interest only ... .this is the amount applied to principal {$890.00} ... .how is this legal?? Also, I was never given a separate document to sign regarding a " 2-day '' option to cancel contract ... I am so distraught and feel that there is serious deceit and fraudulent practices by this company ... they have purposely lied to me on the phone making me believe that my account was current when payments were made and never once did anyone, in my many many phone calls, divulge or inform me that 96 % of my hard earned money was going straight to interest ... no words can describe how I feel ... they are deceitful..and taking money fraudulently without any regard for the law and laws that are suppose to protect the consumer. Please help ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint on my own behalf there is no third party involved. On XX/XX/XXXX - I submitted a packet to Experian information solutions regarding 4 fraudulent accounts listed on my credit report, asking to dispute are remove these fraudulent accounts from my report. The accounts included : XXXX Card, {$6100.00}, Opening date XX/XX/XXXX - XXXX XXXX, {$4000.00}, Open Date XX/XX/XXXX - XXXX  XXXX, {$5400.00}, Open Date XX/XX/XXXX - XXXX XXXX, {$3100.00}, Open Date XX/XX/XXXX. This packet arrived on XX/XX/XXXX. The packet I sent to Experian is attached in the complaint. To this day, XX/XX/XXXX, these accounts resulting from fraud and identity theft still lie on my credit report. The law states that a consumer reporting agency is required to block any of the information on the report and/or file of the consumer if the CONSUMER identitfied the information is a result of an alleged identity theft within 4 BUSINESS DAYS after the receipt of the identity theft report and required accompanied documents. Experian Information Solutions failed to block such information resulting from identity theft - within the four business days of receiving my identity theft report. 
On XX/XX/XXXX Experian notified me of the dispute results, from the initiated date of XX/XX/XXXX to be complete. It appeared - three of the four fraudulent accounts came back verified in the dispute results. The results shared the company that reported the information has certified to Experian that the information is accurate. However, there was no affidavit sworn under oath before a notary public or similarly authorized person - as defined as true verification by Federal Law. I never once received from Experian ANY form or sworn statement provided under oath nor any affidavit of truth with valid notary signature - therefor no verification has been made per U.S. Federal Law. Unfortunately, these falsely claimed verifications have illegally excused Experian to continue to furnish fraudulent information on my credit report, lowering my credit score, and drastically TARNISHING my ability to operate freely in commerce. This has kept me from making purchases and necessary moves with my credit, and is negatively impacting my quality of life in commerce.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX I was in a car accident. The deductible to repair my car was {$500.00} so on XXXX XXXX, XXXX I contacted the company the car is financed with to notify them what had happened and I requested a payment extension for the month of XXXX to help cover the deductible. The finance company is Avid Acceptance and the agent I spoke with is XXXX XXXX. The contact info I have is XXXX ext XXXX. I was told I could have an extension for the month of XXXX and he emailed me a document on XX/XX/XXXX stating as such. The email and form said to reply to the email that I accept the terms and it would be processed, which I did. I assumed the matter was taken care of until I received a voicemail from someone at Avid Acceptance named XXXX, same number but her extension is XXXX, on XX/XX/XXXX claiming to be XXXX XXXX supervisor and stating that I had not responded to the extension document, which I had. Upon returning her call that day I was connected with XXXX again who informed me that the XXXX extension had not been processed and I would need to make the payment and he would try to defer XXXX to get me on track. This was also sent in an email from him to me on XX/XX/XXXX. On XX/XX/XXXX I was again contacted by this 'XXXX '' who never seemed to want to talk after leaving a message to contact her ASAP, again I was connected to XXXX who gave me the run around again and was adamant about me making a payment for XXXX. My credit report was also reported as a late payment over 30 days at this time. On XX/XX/XXXX I  submitted a payment in the amount of {$400.00} which was supposed to be my XXXX payment due on the XXXX but was in fact credited as payment for XXXX. I began calling everyday to speak with either XXXX or XXXX and emailed also with no response as of today. I have recorded phone conversations being told over and over that XXXX and/or XXXX are busy or out of the office with different agents asking to help me until I explain the situation and its passed on. I am concerned they are avoiding the extension that was promised and trying to destroy my credit in the process. I am currently in Chapter XXXX and this finance company was selected by my trustee as the car was purchased while I am in bankruptcy. My monthly funds are limited and I requested one simple extension which In writing looked legit but no one can seem to make happen in reality. I have documentation, voicemails and recordings to support my claim.
Product: Debt collection

I moved into a apartment called XXXX XXXX and the landlord is trying to collect on a void stipulated judgment that was null and void I didn't agree to or sign the agreement. The apartment manager name XXXX altered my signature also on the XXXX XX/XX/XXXXand ledgers and she changed the numbers on the ledgers to make it appeal as if I didn't pay my rent. She filed other eviction notice by fraud by presenting false, fraudulent 5 day notices to XXXX XXXX XXXX. The court documents amounts is incorrect it is inconsistent with the lease actual rent. The third parties and XXXX XXXX, Resident Verify, XXXX XXXX XXXX and the rest of the rental screening companies is in violation. The attorney XX/XX/XXXXXXXX provided knowing false information to the third parties knowing it was incorrect. The law say clearly the third parties have a obligation to provide correct information they are not following the law or rules.
Product: Consumer Loan

Hello Approximately 2 weeks ago I had noticed a change on my credit report Springleaf Financial ( Now OneMain ) had deleted the current loan I am paying on from both my XXXX and XXXX Reports. So I called Springleaf ( Onemain ) AND Spoke To XXXX in their Credit Reporting Department ( XXXX ) I asked her the reason for the deletion her response was since I am paying my loan back via a Attorney That OneMain is not required to report on the individuals Credit Reports it 's according to OneMain Polices. I did n't know this was aloud do to the Fair Credit Reporting Act. I was never informed of this policy. Late last year Springleaf Financial Changed names to OneMain again without informing myself. I had previous loans that are paid and over 7 years old that can be removed from my reports. XXXX informed me that if I want to remove or dispute items on my reports that I need to call her directly instead of thru the dispute process on XXXX or XXXX can she make that kind of statement?
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Experian about the theft of my Identity and that the items were never mine, the Credit Bureau never cared nor paid any attention to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the XXXX removed now! 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and tge following inquires were not performed by me. Please delete the following : XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX )
Product: Debt collection

I paid the dues billing received from XXXX XXXX XXXX in XX/XX/XXXX. 

In XX/XX/XXXX I received a bill for dues from Weber & Associates. 

XXXX I asked Weber for a breakdown / details as to what they claimed I owed and Weber could not provide such information. 
Weber just resent me WEBERs created vague bill. 

XX/XX/XXXX I called Weber - Weber had no record of my XX/XX/XXXX payment, so I contacted XXXX XXXX and asked XXXX XXXX to check its records. 

XX/XX/XXXX - I spoke with XXXX ( accounting ) at XXXX XXXX said it received my payment in XXXXand confirmed no further payment was needed as I paid my dues in full ( the amount billed to me by XXXX XXXX ). 

XXXX - accounting for XXXX XXXX -said she would inform Weber that my dues had been paid in FULL in XX/XX/XXXX ... 

Fast forward ... and in XX/XX/XXXX, I receive another bill from Weber & Associates- stating that although dues had been paid - Weber NOW wanted more fees and interest charges- based on what? After XXXX XXXX already confirmed that in XX/XX/XXXX all dues / amounts charged by XXXX XXXX had been paid / check cashed etc. 

Weber is AGAIN asking for collections ... this time asking for fees and interest ( with no breakdown, no details as to basis or calculation or rates or time period etc ) - based on what basis or calculation - when XXXX XXXX accounting confirmed previously that the dues were paid / check cashed XX/XX/XXXX ... 

and in XX/XX/XXXX XXXX of XXXX XXXX accounting confirmed no further dues or amounts were owed??!
Product: Credit reporting, credit repair services, or other personal consumer reports

need to remove my personal information that i dont want on my credit report.According to fair credit reporting act XXXX usc XXXX have the right to privacy.Also according to XXXX usc XXXX no XXXX innstitution is suppose to share my information to third party people. 

these are clear violations of my federally protected consumer rights
Product: Credit card or prepaid card

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, XXXX
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Debt collection

Your agency has placed a collection entry on my credit file without prior notice, and I dispute the accuracy of this claimed debt. As per the Fair Debt Collection Practices Act, I formally demand immediate validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 64 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX a fraudulent XXXX account reported to my Experian credit report. I notified local authorities and filed a police report. I reached out to both XXXX as well as Experian multiple times in-regards to this matter and provided the official police report. They have neglected to correct this issue. My most recent attempt to resolve the issue with both XXXX and Experian was XX/XX/XXXX.