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

XX/XX/2022 To Experian : I have been requested to upload proof of Identification for you remove the Fraud Alert under my Credit Profile. 
Since your POS uploading service via your garbage website does not work, I will send in a complaint to get it done! 



Personal statement ( XXXX ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Is requested to be removed and deleted immediately! 

Thank you, -David
Product: Credit reporting

RE : File number # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXACCOUNT : # XXXX .... 

Contacted XXXX XXXX XXXX re trade line issue through CFPB and received letter to contact/forward to Experian ( see attached ) to have trade line removed because they were having issues removing it. Provided Experian with the documentation and they have failed to remove the trade line from my file. Have also disputed it but it comes back " VERIFIED '' even though the letter clearly states shows the information provided by Experian completely is in conflict with XXXX XXXX XXXX 's records.
Product: Mortgage

My name is XXXX XXXX, DOB XXXX. I received the letter from NationStar saying that they are accepting their errors about the missing payments and foreclosing the home ( see attach letter ). Even though, NationStar admitting their fault about foreclosing the property ; however, the foreclosure process is still active -- it has not been cancelled out the foreclosure proceedings -- the property is STILL in FORECLOSURE but put on hold. This is very frustrating for me since I am making all my payments ( from XX/XX/XXXX thru XXXX ) and foreclosure proceeding has not been cancelled. This is totally illegal and violating state and federal laws.
Product: Credit reporting

I want to freeze my child 's credit reporting files through all XXXX major credit reporting agencies. None of the agencies have documentation that is easy to find regarding this subject. While some states mandate this, others make is very difficult. Where can I get proper information about how to accomplish this freeze - and why is this not the default behavior for children who are n't legally old enough to access their credit report in the first place?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG 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 EQUIFAX 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 EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Receive robo calls from a firm identified as ERC. Have blocked their number XXXX with my provider XXXX, which worked for awhile but now are being repeated daily. XXXX advises ERC uses multiple numbers which defeats the blocking feature. They advised me to report this to you and that you would follow up on their violation.
Product: Credit reporting or other personal consumer reports

On different occasions I have disputed the collection account of XXXX XXXX XXXX XXXX that erroneously appears on my Equifax credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by Equifax that they did not carry out an efficient investigation to determine that those accounts that appear on my XXXX  XXXX XXXX XXXX credit report do not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and that is why I request that these erroneous accounts that appear in Equifax be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information below is the wrong information shown on XXXX. XXXX XXXX XXXX XXXX Remove from my credit XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX Remove from my credit XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Remove from my credit
Product: Vehicle loan or lease

I originally got a loan for XXXX. Ive been paying for this vehicle for XXXX years now and Im roughly owe XXXX now. Since its been XXXX years the loan has increased to XXXX. However over the XXXX years Ive paid XXXX. So that means Im those XXXX years Ive paid over XXXX in interest. I feel this is unfair my credit score was at an average score at the time of purchase. The salesman told me that it wasnt high but over the years Ive learned that the interest is high. I feel that this is extremely unfair.
Product: Checking or savings account

On XX/XX/2020 i filed with my Bank BBVA a dispute on few items, total amount {$180.00}. Since then i called several times ( even though was Very difficult ), but their response was Misleading & Confusing. It seems to me that they don't want to investigate properly my disputes. Plus when i opened this checking account on XX/XX/2020 it was attached a promotion bonus of {$200.00} if a direct deposit of {$500.00} or more was done by XX/XX/2020, which i did but i never received the {$200.00} bonus. Plus their customer service/website is Very poor. It seems that they don't care about ordinary consumer 's accounts & customer service.
Product: Checking or savings account

I opened XXXX checking and saving account on XXXX 2024, and transferred XXXX USD From XXXX and XXXX USD cash out from XXXX XXXX but on XXXX only XXXX after account open, they restricted my account and dont allow me to move in or move out funds in my account. I have call them immediately and after several phone call, they told me is because my fund from XXXX not showing XXXX XXXX as my name, instantly XXXX XXXX, this is my English name that I used many years and I have contacted XXXX to verify XXXX XXXX is XXXX XXXX in email and forwarded to XXXX. And now is half year after my account restricted, and I dont get any updates except they finally announce close of my account from XXXX XXXX and no updates, no time frame for several months! please help me, I need my money to pay my bills! Currently fund in my XXXX account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there Im trying to write this letter regarding my Experian showed negative late payment made my score look so bad that I can not get my house loan refinance! Please help me The Experian information its not correct! 
Need your help to remove it! 

Thank you
Product: Debt collection

I keep receiving telephone calls from Enhanced Recovery Debt Collections although I 've told them in the past no one lives here by the name of XXXX. They are calling from multiple numbers and this is harassment!!! I 've received calls from XXXX and XXXX multiple times a day, everyday!!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX # XXXX XX/XX/year> -- {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Department of EducationXXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX Acct # they could not provide one XXXX XXXX XXXX  Acct XXXX XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions
Product: Debt collection

Credit Control , LLC XXXX XXXX XXXX and collections has unlawfully purchased my information from XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX I have been in dispute for these accounts.Instead of XXXX XXXX providing me with validation of debts, they proceeded to sell my information without my consent. XXXX XXXX  informed me they are unable to provide validation because they DO NOT Have the proof I am asking for. This is now a legal matter and I will like Credit Control to cease all contact with me as they do not have my written or verbal consent. They are now threatening to tarnish my reputation via my consumer report and this is considered abusive practices. XXXX XXXX has now used this sale as a way to coerce payment and they are in violation of the FDCPA. I have not received any notice that XXXX XXXX XXXX was planning to sell my information again. This is misleading, identity theft, and I will be pursuing this with my attorney.
Product: Credit card or prepaid card

I originally placed an order on the website XXXX XXXX ( found via XXXX XXXX for XXXX  products ) for the following XXXX  products : XXXX XXXX XXXX XXXX And XXXX XXXX ( Snow ) 1 {$220.00} XXXX XXXX XXXX XXXX XXXX  - Battery 1 {$490.00} XXXX XXXX XXXX XXXX 2 Pack White 1 {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} Total {$1200.00} I received an order confirmation and email thread I had with the 'merchant '. After a couple of back and forth emails the email address was no longer available and the website was also no longer active so I had no additional contact info to correspond with the 'merchant '. I was sent a package that contained a 'spinner ' toy in lieu of the XXXX products I had ordered. This allowed the merchant to tell CitiBank, my credit card that was attached to my XXXX account, that I had received the product. I disputed the charge with CitiBank and they did NOT reverse the charge claiming that this was a 'legal ' process and the bank on their end claimed I received the merchandise based on the receipt of delivery. Again I received a 'spinner toy ' ... NOT the electronic XXXX  products that I had ordered. I am miffed as to how CitiBank did not reverse charges. THey have directed me to submit the claim here to the FTC. How can I be refunded? If my credit card provider wont protect me from online purchases, who does? I disputed in XXXX as well, they said it was they couldn't do anything b/c my credit card company was addressing it. How can I be protected going forward???
Product: Checking or savings account

I have been calling this bank daily and attempting to close my account. I am accruing a $ XXXX overdraft fee, which the bank refuses to refund, despite my repeated attempts to bring the balance back to zero. Service at the branch is not helpful, as I am told employees there ( including managers ) do not have the authority to issue the necessary refund to close the account.
Product: Vehicle loan or lease

On XX/XX/XXXX I entered XXXX XXXX in XXXX, CA attempting a XXXX XXXX XXXX. When we began the negotiating process for out the door price, I noticed there was {$2400.00} in aftermarket finance charges on top of the price of {$16000.00} and sales/taxes. When I questioned XXXX XXXX the sales rep, she stated those charges have to be included with the sale of the car. I inquired of what they are, she mentioned one of the services attached is a GPS tracking system called XXXX XXXX XXXX. I was adamant that I was not going to pay for aftermarket services I did not want. She stepped away and returned back with a new set of aftermarket finances which totaled {$990.00}. I continued to dispute the charges for a tracking system I did not want. Eventually the manager XXXX XXXX entered the room, he said they can not reduce the aftermarket finance charge anymore. XXXX advised that he reduced the charges from {$2400.00} to {$990.00} by removing the GAP insurance. I was stunned to learn, why was there GAP insurances attached to my sales agreement without my consent. We continued to argue because I did not want to pay for the GPS tracking service but they continued to advised multiple times the GPS tracking is not optional because its automatically installed on all our vehicles which is billed to the clients Eventually we came to an agreement because he gave me more for my trade in than I expected. When I got home that night, I reviewed the sales contract and noticed the {$990.00} for GSP tracking was stated as ( Optional ) Theft Deterrent Devices. 

On the morning of XXXX XXXX I called Capital One Auto to stop the funding of the loan until I resolved the loan issue. I was advised by Capital One that the loan can only be corrected directly through the dealership. 

On XXXX XXXX I returned to XXXX XXXX in XXXX, CA dealer to have the GPS tracking removed from my loan. While I was waiting for XXXX XXXX, I asked a sales rep, if the GPS tracking is an optional service? He responded, no, its added to all the vehicles at their dealership and charged to the clients. The sales rep XXXX XXXX escorted me to speak to a finance manager so I can dispute the GPS tracking service. The woman, which I forgot her name stated, the GPS tracking is not optional and can not be removed from their vehicles therefore the GPS tracking service is billed to the clients. " The GPS tracking is billed to all the clients. 


Can dealerships add optional products to their vehicles and forcefully bill the consumer? 

Can sales reps and managers add optional products without the clients consent? For example, XXXX adding the Gap insurance without me consenting to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.

17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been receiving robo calls and voicemails from this company since XX/XX/2024. I have various department store credit cards with this company. 

When I explained to their representatives that due to a financial crisis that I was unable to make their minimum payments on multiple credit cards and told them to stop the robo calls, they said the robo calls would continue until I made any amount of payment. They kept pressing me for when I'd be making my next payment and I explained I couldn't tell them when I could pay because I had no incoming paychecks and I owed the IRS.
Product: Checking or savings account

Four checks were sent out using Us Bank 's bill payment service. Only one of those checks were received the other three were outstanding. I had to call several times to have to place stop payment on those checks and to have the funds returned to my account. Two out of the three checks had the funds returned ; however a check for {$2000.00} sent out in XXXX still has not been returned to my account. I have made numerous calls to Us Bank and have escalated this 5 times to a supervisor. Several cases have been created but nothing is done. Us Bank has refused to give me their physical address in order to send a demand letter. Hold times to speak with someone is well over two hours and several times these calls are disconnected. After the last case number XXXX was created I called Us Bank to follow up with them, which is three months after the bill pay was created, and I was told the case was resolved. Apparently the check has been cashed and they can't put a stop payment on it. Again, no followup with me. They couldn't tell me when the check was cashed or by what institution. I'm asking the FDIC to get involved before I retain an attorney at $ XXXXhr to resolve this. Us Bank has been uncooperative during this entire process. They have shown zero  curtesy to return one phone call which has been promised several times. This bank hasn't done one thing to try and resolve the problem which they created. The  {$2000.00} check was written to XXXX which is a XXXX XXXX XXXX. XXXX never received the payment and this amount has never been deposited into any of XXXX 's bank accounts.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX Tower Loan XXXX XXXX XXXX I didnt get the mans name he identified him self as the district manager.

He asked me how I wanted to make my payment to get my account up to date. I told him that I am currently unemployed and can not make any payment until the end of next month ( which would be XX/XX/XXXX ). 

I told him that if he cant wait until next month to go ahead and take me to court. 

1. He replied that at this point he could take an application to renew the loan and I wouldnt have to pay again until next.

- I rejected that offer because I wouldnt be able to pass the credit check. 
2. He said that he could do a deferral but I would have to pay XXXX on the account. 
- I told him again that I dont have the money. 
3. He told me to go pawn something or borrow some money from a friend or family member. 
- I told him that I was in the middle of a divorce, living with my dad, didnt have anything to pawn and couldnt borrow any more money from family. I again told him that I had money coming in next month. 

XXXX. Then he proceeded to list all of the collateral that I had listed on the loan and threatened to come take it, because I was refusing to work with him. 
At this point I got upset and told him to just take me to court again because I didnt even have most of my collateral because its already been sold or pawned. I didnt have any way to make any payments. 

After he threatened to come to my house and take my collateral and him telling me that I must have something that I could pawn its only XXXX. I told him to just take me to court because I cant make a payment. 

He then threaten me that the XXXX that I owe now, will turn to XXXX if he files a claim against me.