23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2021, Sunlight financial has you sign into docu sign to answer personal questions to access your loan or any information you have with them concerning our solar project that hasn't been finished in almost Three years.When you sign in you only have to use the last four of your ss # and answer the personal question, you can answer all the questions falsely and it still opens up all your personal information.So all someone has to do is have access to the link and they can steal all my identity information and ruin my credit etc.Sunlight and XXXX XXXX bait and switch customers into their solar systems and in the end the consumer is taken.Then they add another loan company XXXX XXXX XXXX none of these companies follow through with the contracts.I have alot more information if needed because I don't know what you can all help with.
Product: Vehicle loan or lease

I keep receiving calls from Toyota financial about my XXXX payment for a 2021 XXXX XXXX. I have talked to customer service numerous times. And told them I traded the truck for a new XXXX XXXX. I told customer service I am not the owner of the truck anymore. They have received the check from the dealership from where I traded the truck into for the correct payoff amount. Toyota is refusing to cash that check because they say they need the odometer statement from the dealership that I traded my truck into. I have told them multiple times to call the dealership on themselves and take care of this problem because it is not my problem it is theres they have told me that they have. And have gotten no answer from the dealership. I have tried myself, and I do not know if the dealership has responded at this time. Toyota financial is still holding me responsible for payment for a truck that is sold and they have a check for this problem needs to be taken care of immediately and thats what these complaint about.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have all put collection accounts onto my credit report. They have reported information to third parties like safe rent and core logics prohibiting me from being able to rent properly with no evictions, judgments or criminal background. I have disputed with all three companies more than a few times. They have put unauthorized charges and inaccurate items onto my credit report and by law it is illegal to put those items onto my credit report without my consent. FRCA Section 605 B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently submitted XXXX certified letters containing police reports, identity theft affidavit, and a signed document from the XXXX XXXX XXXX # XXXX. To notify your that I am a victim of identity theft, and that the accounts they are reporting on my credit files are fraudulent. They keep ignoring all the police report and putting unknown accounts on my credit files. 
They have recently deleted some accounts and then added them back to my credit files. I have sent several notices from the companies that these accounts are indeed fraud. Yet they still report them. 

Creditor : XXXX XXXX Account # : XXXX Balance : {$0.00} Creditor : XXXX XXXX  Account XXXX XXXX XXXX Balance : {$0.00} Creditor : XXXX Account # : XXXX balance : $ {$19000.00} Creditor : XXXX XXXX Account # XXXX XXXX : {$430.00} Creditor : XXXX XXXX Account : XXXX Balance : {$230.00} None of these companies have my accurate personal information. All of theses creditor did not have authorization from me to obtain any credit accounts. 
After I carefully contacted each creditor no credit has accurate information to report anything on my credit files. 

The names are misspelled, the address are fraud I never resided at any of the addresses on file. 

All of my consumer statements have the wrong information in it. I have contacted these bureaus to inform them of theses identity theft issues, but my efforts are being ignored by these companies. I have no knowledge of these accounts, nor the fraudulent information they are reporting to my credit files. They have been violating my consumer rights and making my life difficult. I cant even use my own personal information because these companies are basically reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

Please see the attached letter from XXXX XXXX XXXX XXXXXXXX dated XXXX for account number ending in XXXX stating a " Letter of Proof '' that this negatively reported account under XXXX XXXX XXXX XXXX  , as well as " XXXX '' and XXXX XXXX '' was investigated and found to " not be mine. '' The letter further states that I am not responsible for " Any '' of the reported balance, and this letter should be offered as evidence to all Bureaus for " deletion. '' Please delete this negatively reported account from my " Credit File '' and credit report under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau Online Complaint Portal Subject : Formal Complaint Regarding Fraudulent Hard Inquiry on Credit Report To Whom It May Concern, I am filing this complaint to formally dispute a fraudulent hard inquiry on my credit report. This unauthorized inquiry violates my rights under the Fair Credit Reporting Act ( FCRA ).

The details of the fraudulent inquiry are as follows : Creditor Name : Ally Financial Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry, nor have I ever initiated any application or business relationship with Ally Financial. This inquiry is fraudulent and negatively impacts my credit profile. 

Actions Taken So Far : I have formally disputed this inquiry with XXXX, but it remains unresolved. 
I am involved in litigation with the Federal Trade Commission ( FTC ) regarding unauthorized credit inquiries. 

Supporting Documents : I am prepared to provide the following documents to support my complaint : A copy of my government-issued ID. 
Proof of my address. 
A copy of my credit report highlighting the fraudulent inquiry. 

This matter has caused undue harm to my creditworthiness, and I request urgent attention to resolve it. I trust the CFPB will ensure that my rights as a consumer are protected and that the credit reporting agencies and the creditor in question comply with federal regulations. 

Thank you for your time and assistance. Please let me know if further information or documentation is required. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am receiving what I believe are illegal emails from someone trying to steal money from me. I received an email on XX/XX/2021 ( attached ) stating I authorized a charge of {$690.00} to " XXXX '' for the purchase of a cell phone. I did not authorize any such payment ; I don't have a credit card or loan thru PayPal ; this was the first I heard of this. Believing it was from PayPal, and without thinking, I foolishly called the phone number in the email to dispute the transaction. The individual I spoke to ( male, middle-eastern accent, couldn't understand his name ) said he would have to report this to his fraud department, and then put me on " hold. '' The same individual came back on and said they would investigate the matter, however, I'm still going to be responsible for the payment. I asked him for details on what this was about, and he said I took out a PayPal credit card ( or loan? ) for this purchase -- making me responsible for payment. I told him I don't have a PayPal account, and I do not have any credit card or loan with them. He asked if I've had any problems with any other sites or banking institutions, and if so, who are they. I told him I had my debit card compromised by someone in California trying to purchase a game app. However, I contacted my bank, they cancelled that debit card and issued me a new one ; no money left my account. Then this fake individual passed this info to someone he was working with. He said he would need to confirm who I really say I am, and he proceeded by asking my name, SSN, email and phone number -- and I confirmed his info. That's when I suddenly realized this is not PayPal, the info in the " from '' line of the email should have alerted me -- but I was too surprised to figure it out. I immediately hung up the phone. However, I'm worried because he has this info. I immediately closed out my PayPal account and forwarded the email to PayPal fraud department. I also called PayPal, and they confirmed the emails are phishing ; there is no credit card or loan with them in my name. Then on XX/XX/XXXX, I received another email ( attached ) telling me the charge has been processed. I did not respond to that email, but I forwarded it ( again ) to PayPal. I feel better that PayPal has confirmed the emails are false ; to disregard them. But I feel what these people in these emails are doing is illegal and someone needs to be aware this is suddenly happening to me. I am XXXX years old, worked for 40 years and don't want someone thinking they can mess with my hard-earned money. I'm still kicking myself for not realizing they were phishing emails. I retired from XXXX XXXX and we get trained on this stuff! How could I not recognize it?!
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX has inaccurate reportings on my consumer report that has impacted me severely from onbtaining new credit and up to new empoyment
Product: Credit reporting or other personal consumer reports

Hello, I trust this message finds you well. On XX/XX/2023, I reached out to the LCI Consumer Center to seek clarification regarding a reported bankruptcy item linked to XXXX XXXX XXXX XXXX XXXX XXXX They claimed to have received verification of this bankruptcy item from LCI Consumer Center. My inquiry was a straightforward one : to ascertain the accuracy of these claimswhether LCI Consumer Center indeed confirmed a bankruptcy item associated with XXXX XXXX XXXX XXXX XXXX XXXX on my report or not. 

As of my writing, I have yet to receive a response from LCI. Upon conducting a thorough examination of my credit report with XXXX, I couldn't locate the alleged bankruptcy item. While I appreciate any efforts made by LCI to rectify my credit report, I am puzzled as to why XXXX asserted that LCI confirmed the presence of an item that no longer exists on my report. Unfortunately, the lack of resolution has led me to file this complaint in hopes of eliciting a response. 

Enclosed, please find the following documents : 1. Correspondence sent 2. USPS confirmation of delivery on XXXX XXXX XXXX. A copy of the Court House letter affirming their non-engagement with credit bureaus or reporting agencies 4. A copy/email of XXXX also affirming their non-engagement with credit bureaus or reporting agencies. 

Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. 

Best regards, XXXX XXXX
Product: Debt collection

Security Credit Services is currently reporting that I owe {$3400.00}. In which I do not this account does not belong to me. I was not properly notified of this account. I was just made aware of it after updating my Credit report.. this is a direct result of identity theft.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair CreditReporting Act and will not be tolerated. In case you would like to settle this matter between youand I, rather than me filing suit against your company, I will once again list the inquiries inquestion so that you may do as you are governed by the FCRA. 
Please investigate the following : 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 . 
I have tried to contact these companies on my own, but I have not been able to get very far. Itried to contact them using the phone numbers that are provided on my credit report. Half of thenumbers are not even correct. The companies that I was able to get in touch with do not evenhave any record of me. How can they have a permissible business purpose to pull my credit, ifthey have N0 record of me? 
As I stated, I have already given your company quite enough time to investigate the items inquestion, but I am willing to give you one more chance. If I do not receive results of yourinvestigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.
Product: Credit card

I purchased a bracelet on XX/XX/year> from XXXX XXXX. It was late in the XXXX. When I got home I noticed the bracelet had many scratches on it and looked worn and used. The next day I returned it to XXXX. He told me to return it to XXXX on XXXX. I did. He took the bracelet and said he will offer me store credit. I have been back and forth to the store trying to purchase XXXXOn XX/XX/year> XXXX told me and my husband that he was told he is not going to sell me anything and to talk to my bank, he can no longer help me and I no longer have store credit to use. I was so upset. My husband asked what about the XXXX? XXXX said talk to your bank I am not selling you anything and he was very rude, the other employees gave us dirty looks and began to stand behind XXXX. I don't feel safe going there and I don't want them to try to fight my husband. I was scammed out of XXXX and now I don't feel safe going back there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX used and furnished my consumer report without my consent, authorization, or written instruction. These consumer agencies allowed companies to share my nonpublic personal information without my consent and also used that data to furnish. Congress confirms that the consumer has a right to PRIVACY! XXXX, Experian, and XXXX has violated my federal right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information.The FCRAs purpose is to be sure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMERS right to PRIVACY! XXXX, Experian, and XXXX  are in direct violation of the FCRA and Grain Leach Bailey Act of 1999 by sharing and selling my nonpublic personal information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. Transunion is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call Transunion they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my transunion credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to Transunion are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. Transunion seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay Transunion to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by Transunion and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to 3 credit bureaus against some inaccurate items on my credit report and i haven't received a response
Product: Credit card

Refer to the attached documents. Exclude this personal information that does not pertain to me.
Product: Mortgage

We have made four payments to the new mortgage company Mr. Cooper ever since they took over our mortgage. The start date was XX/XX/year> every time we make a payment for some reason it gets reversed. We used the same payment method with the last mortgage company and had no problem or issue. I have called them and complained. I even made a payment on the phone with them. This is going on for two months already I dont know what to do and do not want to lose my house because of this situation. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claims that when my vehicle was totaled on XX/XX/XXXX the insurance check that was issued didnt cover the deductible hence leaving a current balance on my account I have disputed this with the credit bureaus this however isnt true that the deductible was not included in the settlement amount is actually was included before the settlement check was issued in the amount of XXXX was the amount that was settled however when the subtracted the XXXX dollar deductible it left the amount of XXXX that was paid to them included a gap check of XXXX including the XXXX deductible as well as Vehicle service contract refund in the amount of XXXX they still are holding me responsible for the XXXX that they claim my insurance didnt cover hence why the balance is still on my account reflecting current this has dropped my credit score and put me 60-90 days late on my credit report with XXXX and equifax however this same account that is showing open with these two bureaus was reported closed on XX/XX/XXXX when it was back dated at the time of loss is now reopen and was opened XX/XX/31 and its only showing open from XXXX and equifax however XXXX is still reporting this account as closed but my credit has dropped with them as well XXXX either was informed of the deductible being taken out of my settlement check prior to payment or they werent but I know that I shouldnt have a balance left because the XXXX was overpaid by ally gap as well as deductible from the initial settlement amount
Product: Checking or savings account

In XXXX of 2018 Bank of America charged my XXXX  account with fraudulent charges. Due to this I have not been able to open a bank account for years and cant save money efficiently. I tried to explain I was lied to and was unaware of the fraudulent activities on my account. I
Product: Payday loan, title loan, or personal loan

A mix up with an arrangement of when to take the payment out of my bank account. 

I had made previous arrangements with them and they still dinged my credit as late. I have not been late on a payment to anyone for over 3-years. It affected my score by 100+ points.

The information on their website under my account and arrangements made do not match. You have over a 20-minute wait to speak with an representative and when you request to speak to a Supervisor you are told they do not have one. If you push further, they then state one will call you back. It never happens.

I called again today and their is additional errors on my payments. After waiting for 25 minutes and being hung up on, I was told that they are upgrading their software ( XX/XX/XXXX ). They did not take out the payment today and I was told that it will take up to 60-days to rectify and then not sure. This will probably make another show of being late. I can not keep doing this. It always like a joke to the person you are speaking with. 

It is very stressful ... I am XXXX years old on Social Security XXXX  and do not need this additional headache or problem. It severely affects my health and well being. 

I need Lending Club to take off the erroneous late payment to all 3 bureaus. 

I will never get a loan off the internet again ... It shows the corporate in XXXX XXXX ... 

How am I suppose to keep up with what they consider business as usual ... the only thing they have accomplished is to ruin my credit score ....
Product: Credit card or prepaid card

I have made repeated attempts at speaking with American Express, and on rare occasions I will get a Representative who forwards me to a person who is to be following up with my requests. Either A ) I am hung up on, B ) The person whom I receive mumbles in the background and puts me on hold multiple times, C ) Claims that providing further assistance goes beyond their scope, at which time I'm transferred yet again to another agent, D ) Attempts to collect the same debt more than once occur ( even after the same debt has been satisfied with regards to a Payment Program ). 

People are losing more faith in American Express as the minutes go by, and now I can see why. If your workers have no desire to follow through with their responsibilities, how do you expect your cardmembers to take your company seriously? It's clear that American Express is a lost company with zero initiative. In addition to this, other cards are used virtually everywhere. American Express, not so much. I won't even challenge American Express with this complaint, because I can already put a wager on little quality and know that will be the outcome. Whoever is in charge of your customer service people is doing a horrible job, because those people all seem to have different definitions of just about everything, and can never be consistent with the information provided to cardmembers, not to mention what your policies state and mean. Just go ahead and listen to the recent " recorded telephone conversations ''. That should give you a better idea of how long I've had to wait on hold, to be hung up on, to be promised this and that, only to get a different person who seems to have no idea what I'm talking about. I thought there were worse companies, but American Express is literally the worst company when it comes to communication. Do with that what you will.
Product: Debt collection

They continue harassing my employer after my employer and myself have told them to stop calling there private cell phone number. I also told them to stop calling my cell phone during my work hours that I would look into the debt which I told them was already paid. I told them I had to get proof from the United States Treasury Department which took it out of my tax return in XX/XX/XXXX or XX/XX/XXXX.