23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The firm XXXX continues to attempt to collect a debit that discharged via Chapter XXXX Bankruptcy. In XX/XX/XXXX, the vehicle was originally fnanced with XXXX XXXX XXXX, then sold to Santander Consumer USA who became my new lender. In XXXX of XXXX, the vehicle was respossessed, and the deficiency balance was owed to Santander USA. In XXXX of XXXX, the deficiency balance owed to Santander USA was discharged in U.S. Bankruptcy Court. On XXXX/XXXX/XXXX, XXXX attempted to collect the deficiency balance on the debt from XXXX XXXX XXXX. I informed them that the debt had been sold Santander USA, the vehicle repossessed and then been discharged via Chapter XXXX Bankruptcy. The customer service representative then became combative and abusive and told me " That is not my problem, will you be paying what you owe us? '' I said no, I do n't have -- the debt has been discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I reviewed my credit reports from the following credit Bureaus, Experian, XXXX and XXXX. Upon review I noticed that my address was not being reported correctly. I advised them that I may have been a victim of identity theft and I do not live at the addresses being reported and asked to correct the information. As of XX/XX/15 they responded back and stated that the addresses in which I no longer live are valid and yet to remove the information. This is putting me at risk to have my information stolen and identity theft to happen by having my information in the hands of someone or someplace I have access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPD submitted my complaints to the credit Companies and all the three credit bureaus did was respond with the same old response of ( credit reporting was verified as accurate ). HOW WAS IT VERIFIED? I'm not sure what exactly theCFPD does here what's the point if all the companies have to do is resite the same old garbage they do everyday. This is interfering with me buying a home. I'm on XXXX and have limited resources for home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously requested documentation from the creditors and the credit bureaus showing me the validation of the attached debts. I submitted my original request in XXXX and XXXX requesting documents that display MY actual wet signature proving that I am the person that applied for these debts. I have not been provided with ANYTHING and it is unacceptable that these items are still being improperly reported.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : SELF FINANCIAL/LEAD BANK Account number : XXXX
Product: Credit card

Researching credit cards on Bank XXXX, saw that XXXX XXXX has highest rating; saw " Apply Now '' button and pressed it. It seemed to suggest it was called a Discover Card, honestly thought that meant XXXX had a card called Discover Card. 
I applied ; within seconds was told I was approved for {$8000.00} credit line. As I want a card for me and my husband- I called XXXX to ask for that. I learned that it was not their product ; when I told them how I applied, they told me that they advise people to only apply via their website.?? Went back to XXXX; pressed the button again/it showed XXXX. Did not apply again - so not clear if I would again get a Discover Card I called DC - was told they do not allow for joint accounts anymore. Said I wanted to cancel the application. Told me I had to wait until the account was set up. When I insisted I did not want the account, I was told the application would be cancelled & I would get an email confirming this When I had not received an email, I called back and was then told it would take XXXX hours. I said I did not want to wait XXXX hours ; I wanted the account cancelled now - that they somehow got my financial info and got permission to find my SS # via IRS??? ( which now seems very odd to me. I think I was tricked - at first I was asked for the last XXXX digits ; later, when I was asked for permission to contact the IRS for the full #, they also asked for the first XXXX digits. Call me stupid but I only realized later what had happened- they got it from me. I am a senior - so maybe my cognition is slow but it feels very uncomfortable. ) I was told they could not do this - I asked to speak to a supervisor and was told no one was available. I expressed my anger as they have my personal financial info that they got without my full understanding. All of that interaction took less than XXXX hours. I still have nothing from this at this time; and I feel very uncomfortable and also duped. Only later did I learn that Discover has a VERY BAD reputation including millions of dollars of fines.
Product: Student loan

From a graduate of XXXX University XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense XXXX and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX 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 XXXX found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Debt collection

I would like these inquiries to be deleted because I did not authorize them to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? 
XXXX XXXX XXXX  Experian XXXX  Account # : XXXX XXXX The date of first delinquency is inaccurate. 
The name of the creditor is truncated and unidentifiable. 
The account numbers are incorrect, truncated and unidentifiable. 
The payment history has been reporting incorrectly for many years now. 
There is no notice of dispute. 
And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. 
I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.
Product: Credit card

It has been at least a month and a half since Ive been able to use my card. I have had to make purchases without it, giving up my points. Thats the whole reason I have the card, points. It has been 14 days since I filed a complaint with the companies customer service and asked for help. They have responded with copy a past faq articles and not read my actual emails or helped me in any way. They have returned payments I have tried to make and denied at least three transactions that should have been covered by the amount available in my account. On top of all this they are gas lighting me and telling me my card should work fine and to go ahead and use it only for it to be denied. Its impressing and wrong for them to do that with my money. All I want is for my card to work so I can buy my shampoo and get my points.
Product: Debt collection

the rep I speak to has called me day after day. There are dunning laws that protect the individual from speaking to any debt collections and this company and its rep are in violation. 
For example we spoke on XX/XX/XXXX at XXXX XXXX  MST and talked about how to settle the debt and I was called again on XX/XX/XXXX at XXXX XXXX MST. 
There is a grace period that allows consumers and debt collectors to not have communication and when I asked about the dunning law she said she had no clue.
Product: Debt collection

A man knocked on my door and told me his name and told me that the home security company if have was merging with his company and they were going to up grade my system as a part of the merging of company 's. As they were changing the key pads, my security company called me, I asked if they were merging with this other company. They told me no and I was still under contract with them. I told the guy who was trying to replace my key pad, to put every thing back the way it was. He did that and left. A couple of months go by and I get this bill from Dynamic Recovery Solutions stating that I owe then, if I pay now {$230.00}. Dynamic told me that, the Security company, sold them my contract, and that, they were to collect my dept. Dynamic wanted me to go to my bank and for my bank to, send them a e-check. Which I did n't do The security System company wanted {$690.00} from me and that was n't going to happen.
Product: Debt collection

I called the company on the debt. I gave them my new address and phone number and I asked them to send me the information on the debt. That was  two  months ago and still i have not received any information.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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
Product: Credit card or prepaid card

I would like to formally file a complaint with Synchrony Bank/Banana Republic ( BR ) for unfair and illegal predatory business practices. From XXXX XXXX to XXXX XXXX, Synchrony Bank/BR has lowered the credit limit on my BR/Visa credit card FOUR ( 4 ) times. According to letters sent by the company, the limit was lowered based on " periodic '' reviews of my TransUnion credit report. There are two issues with this : 1 ) Since I opened my Banana Republic credit card in XXXX, I have always paid my bills on time, despite an occasional late fee for being a couple days late. In those TEN years since opening my account, despite my struggles with other creditors in XXXX, I have NEVER gone beyond 30 days late with Banana Republic. 2 ) By frequently lowering my credit limit, Banana Republic created a vicious cycle in my efforts to repair my credit. Each time my credit limit was lowered, my FICO score would tumble by 30 points or more. Therefore, each time the credit was pulled during these periodic reviews, there would be little to no improvement to my score, prompting Synchrony Bank to lower it again. In fact, the last reduction occurred FOUR ( 4 ) months from the previous review. How is that fair??? Most companies review credit every 6 months or more. But what I find even more disturbing is the timing of my last credit limit reduction. In a letter dated XXXX XXXX, XXXX, Synchrony Bank/BR notified me that my credit limit had once again been lowered, this time to {$2100.00} ( note : in XXXX, the limit was increased to {$4000.00}. ). XXXX XXXX was also the statement closing date for my last bill, where I made a LARGE {$450.00} payment to the company. My goal was to begin paying down this account, so I would no longer deal with these targeted credit limit reductions. However, the company insured I would not get ahead by lowering my credit limit immediately after making that large payment. I am confident that was the case because the letter dated XXXX XXXX, XXXX notes the credit limit reduction was based on a credit review on XXXX XXXX, XXXX. That 's nearly THREE ( 3 ) months after the review!! IN ALL OF THE PREVIOUS LETTERS, THE LETTERS WERE DATED NO MORE THAN 12 DAYS AFTER THE CREDIT REVIEWS. This is not a coincidence. This is targeted, unfair and illegal business practice. I have attached documents supporting all of my claims, including a letter I wrote to the company in XXXX XXXX about this issue.
Product: Credit reporting or other personal consumer reports

I have spoken to them by phone & they requested proof of ID & soc sec cards from both myself & my daughter XXXX XXXX. This is her acct. I have nothing to do with this acct. I have sent all copies of above info & they still insist they are right & refuse to remove this credit card from my credit report. I have been trying to get this fixed since XX/XX/2023. This is causing me much XXXX I dont know what more I can do but file a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days.
Product: Vehicle loan or lease

I would like to report a complaint against US Bank XXXX for failure to pay me the excess amount I had paid almost three months ago at the maturity of my auto lease. See attached letter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX A XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$330.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$17.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the unveified and erroneous inquiries which are being posted to my report. 

Here is the list of the inquiries which do not belong to me or were opened without my permission. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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

XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX Calling from : XXXX I've been receiving calls from this number since XX/XX/XXXX at what would be just about XXXX in the evening. It's unusual for someone to call my line after XXXX XXXX regular work day as I'm usually not available at this time. I actually have the publicly registered number ( s ) from this company saved on my phone and that is where I was expecting to be contacted from. I found it odd that a local number would call so many times without leaving a voicemail but ignored it nonetheless because no one who knows me calls without texting me first unless it's an emergency. Due to the amount of times this number appeared in my logs alone, I decided to call them back on the XX/XX/XXXX.  When I dialed the number, it rang once, then bounced me to the queue for Simm Associates Incorporated and immediately puts me in line to speak to a live agent. My phone number works perfectly fine and I'm open to returning calls of those who leave voicemails, but these practices are done in a way that I believe is in violation of my rights as a consumer under the FDCPA and the TCPA because not only is it deceptive, but because the company masking their number with a local line to establish contact with me in a way that misrepresents the nature of their calls, which is spoofing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to a background check for XXXX ( XXXX XXXX ). The company that did the background check was First Advantage. There was an incorrect address listed as one of my former addresses.I have never lived at XXXX XXXX XXXX, XXXX  XXXX , Ia . I would like it removed. I have never lived at that address. My son lives there.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Equifax and ask to open an investigation on inquiries I see on my credit report they totally refuse to delete this information I call all the banks and the dealers and none of them have any information about me also I when to the police station they told me to ask Equifax to open an investigation first which they refuse to do on my behalf.
Product: Credit card

I was a cardholder of Chase Saphire Preffered Visa credit card, their cardholder agreement stated ( page 14 ) Trip interruption insurance reimburses for A Covered Loss ... : * Sickness experienced by my Immediate Family Member .... I filed the claim since I got sick due to bug bites, due to the resort being located on the swamp and it was not disclosed to us. We filed the claim with Chase within 20 days of coming back from US. They did not proccess our claim properly, instead filed it as a dispute, the denied the dispute and never paid any claim. In retaliation they closed the card and reported the " dispute '' to 3 credit agency 's causing credit score of the card holder go low. Also on separate occasion they breached cardholders agreement on road side assistance, when our car broke and needed tow, they refused to assist. I assume they do file claims improperly on purpose to confuse the customers and avoid paying the claims
Product: Money transfer, virtual currency, or money service

Complaint Against Cash App for Inadequate Investigation of Unauthorized Charge I am filing this complaint against Cash App due to their refusal to properly investigate an unauthorized charge of {$1600.00}, debited from my bank account via Cash App on XX/XX/year>. I reported this to Cash App on XX/XX/year>, after noticing the charge. I informed them that my phone was lost at the time of the transaction, and I did not authorize it. Despite this, my dispute was denied, and Cash App claimed that the PIN was used to authorize the payment. Key Points : Lost Phone & Compromised Access : My phone, which stored my Cash App credentials, was lost during the transaction. Cash App has not considered that the transaction could have been unauthorized due to this compromised access. Insufficient Evidence : Cash App provided no evidence beyond stating my PIN was used. This is inadequate, as unauthorized users could have accessed my account via my lost phone. Failure to Protect Account : Cash App did not notify me of this large, unusual transaction. Given that this was an abnormal charge, additional verification or alerts should have been triggered. Violation of Consumer Rights : Under the Electronic Funds Transfer Act ( EFTA ), Cash App is required to investigate unauthorized transactions. I believe they did not fulfill this obligation, and I request a more thorough review. Police Report Filed : I have reported this as theft, yet Cash App has failed to take the necessary steps to safeguard my account or refund the disputed amount. I respectfully ask for a full refund of {$1600.00} and that Cash App conduct a more detailed investigation into this unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX of XXXX, have been impacted by the XXXX Data Breach ; as a result, I have been a victim of identity theft. After reviewing my credit report, I noticed several inquiries that are not mine, and I have no knowledge of these inquires. I have no account with the companies listed. I have provided my FTC report for accuracy ; please review.