23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The loan borrowed started in XX/XX/XXXX, I never knew that my loan was a private loan stating the original loan came from XXXX. I am now in repayment, over the time I was not in repayment interest has been added on which seems to be daily at a rate of 10.5 % which started at 9.95 % I never knew that the rate was a variable rate until this recent month as I began to look over my statements and to why my payment continues to get higher each month. 
I borrowed {$15000.00} dollars to my knowledge in XX/XX/XXXX and during the time i left the school due to financial issues. Here now it is XX/XX/XXXX and the account on the AES website states I owe them {$29000.00} with repayment for 142 months of {$370.00} Paying a total of {$53000.00} to them for {$15000.00} that i borrowed that is down right sick!! So now facing this issue of not knowing what my payment maybe within the next few months due to a variable rate and how they do things to their terms without proper documentation. 
I asked AES for the master promissory note i received 8 pieces of paper that 1. ) had the wrong amount on it, 2. ) missing pieces of paper to complete the whole master promissory note,3. )  Information blanked out that AES claims is to protect me, I was told by XXXX ID # XXXX on XX/XX/XXXX That the information that is blanked out is to prevent the mail being intercepted into the wrong hands. Also with the missing documents of my 3rd disbursement that has been calculated into my loan, XXXX did advise me to call my school to check the financial records of the disbursements. They do not have the proper documents to continue to pursue the loan. The company and individuals I have spoken with have basically been rude, unprofessional, the loan information is very misleading, predatory with interest rates as high as they please. This company is a thief and the people who work for them have covered their lies of documentation
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 have a Reliacard by US Bank from Colorado XXXX. I had my Vehicle broken into and They stole my phone and Luggage that caused Identity theft that i was unaware of until they had Spent over {$5000.00} on my Card thru XXXX. I immediatly notified ReliaCard customer service when i noticed funds missing. I ffaxed the paperwork to them XX/XX/XXXX as the rep told me to for the complaint. I gave them 2 weeks they asked for and never heard a Word so i call back XX/XX/XXXX and tell them unacceptable. They tell me looks like never recieved docs they needed w2-DL-mail. So i faxed them. I recieved provisional credit onto card and thought ok were getting somewhere ... NOPE my account is locked. I have now called daily and most recent weeks stats I put in over 42 hours on the phone including hold time. They say they cant release account only level XXXX can but noone will get me to level XXXX fraud or tell me how to reach them. They have become rude and still 2.5 months later I have no access. This has caused me to sleep on the streets. not eat and noone cares. I have uploaded every document to reliacard thru website multiple times XXXX XXXXhave faxed and emailed XXXX I am told this is escalated but nothing.. The call center sucks AND us bank should not put their name on a card if they cant help because i have made several visits to the loc al branch only to be told they are only the PLASTIC behind the card ... I CANT DO IT ANYMORE.. THEY GPOTTA BE STOPPED
Product: Mortgage

2 new unauthorized mortgages were taken out from Wachovia bank ( now Wells Fargo ) on XX/XX/XXXX and XX/XX/XXXX using my credentials, credit score, collateral and income but were not signed ( enclosed ). On XX/XX/XXXX Wells Fargo offered to mediate the matter and after submitting requested information Wells Fargo declined to medicate on XX/XX/XXXX. 
This case is specifically covered in consent order XXXX. Definitions : Affected Customers : means any consumer subjected to any of the improper sales practices. 
Improper Sales Practies - means any of the following in the XXXX Bank XXXX Bank XXXX XXXX : ( 1 ) opening any account without the consumer 's consent Relevant Period - includes the period from XX/XX/XXXX to the effective date ( XX/XX/XXXX ). 
Wells Fargo has failed to resolve the 2 unauthorized loan accounts and have incurred {$400000.00} in damages from the funds disbursed and negative impact to credit reporting. Wells Fargo reached out to me to initiate mediation then withdraw without cause, violating the consent order and still leaving unresolved the 2 fraudulent mortgages, fails to address the federal loan program abuse and unjust enrichment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Has reported on my TransUnion report on ( XXXX, XXXX 2018 ) I DO NOT own or have any accounts with this company, I dont know who they are. I need this DELETED from my TransUnion report immediately.
Product: Debt collection

COLLECTIONS USA INC has placed a debt collection on my credit report for {$4400.00} on XX/XX/2023. 
This is not XXXX XXXX XXXX 's debt and must be removed. 

I believe this is elder senior abuse, and this XXXX has placed this on my credit report to my determine. I also request monetary damages. 

Please investigate. 

Thank you. 

XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I noticed charges on my debit cards. I contacted the bank, cancelled my cards, and filed disputes. One bank refunded the fraudulent charges, the second bank refused. 

I have filed a complaint against the second bank XXXX. 

AfterPay said I wasnt responsible for the fraudulent debt, but the refuse to refund my debit card. 

AfterPay has no safeguards in place to protect consumers. I want a refund.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXXXXXX  Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXX SS XXXX
Product: Consumer Loan

XXXX XXXX of XXXX, Florida forced me into getting a XXXX XXXX. I went into the dealership only to look around. I salesman asked me if I see something that I like. I said no i 'm just looking around. He ask if I wanted to see if I qualify I agreed. I make it very clear I do n't want a vehicle only to see if I qualify. I did n't bring money, or anything else. So after he seen my mom and aunt leave the dealership, he approved me for a loan. My mom and aunt went to the store by the dealership, and was coming back to get me. The manager, and the salesman forced me to get the XXXX knowing I did n't qualify. My credit score is low, plus I work part-time. I stated that I did n't want a vehicle or loan. They knew I told them I was n't purchasing one. After they said that I said I did n't want it for XXXX minutes straight. They said the bank gave me the car and that I ca n't leave the dealership without the car that they picked out. I felt harassed, and forced to get something I did n't want. The manager said if I did n't take it he was sending it to my house. For one I was violated, two I did n't know what was going on, or what scam the had going on at the time like I do now. The took advantage of my grandmother she said she would co-sign if her son was present. He was not present she was forced also to sign the manager told the salesman to drive to her house to so she could sign. My grandmother does n't remember signing anything, she has early dementia. It was late it was time for me to take my XXXX medicine l was very confused at the time they back me in a corner basically and threatened me. I received a letter from the XXXX corporate office stating that we did n't qualify. I have been trying to call the dealership in XXXX, Florida. The manager XXXX has been rude, also general manager XXXX. I have been trying to stay in contact with bank so we can be released off of the loan. I received a letter from Santander Consumer USA, stating we did n't qualify. The president of the bank said he 's waiting on XXXX to respond it 's been a month they still have n't heard from XXXX XXXX. The manager at the dealership is still trying to qualify me for other auto loans without my permission. We are tired of this nightmare. The bank is in on the scam with the dealership. They forged our information and rolled back to the odometer. The bank knows everything that 's going on and they are lying about it. The dealership is stealing our information for us to keep the car when they know they messed up so now they trying everything they can to make me keep the car. I want something done about this, they have taken advantage of a lot of people that came through there the bank to they have a bad reputation the bank just had to pay a lot of people back because of fraud. I been gave the car back XXXX days later
Product: Checking or savings account

On XX/XX/2022, I submitted a claim to Bank of America for 4 fraudulent transactions in the amounts of {$440.00}, {$440.00}, {$440.00}, and {$83.00} totaling {$1400.00}. I received a Temporary Credit Adjustment on XX/XX/XXXX for {$440.00} and {$83.00} ( totaling {$530.00} ). I received a letter stating that my claim was accepted and closed and the amount was paid in full. I never received the additional {$890.00}. 
I have since called 3 times to have this resolved. Each time I have been told that my claim is being escalated and I will receive my funds or a call or email within 24-48 hours. I have never received a phone call, email or any correspondence back regarding this claim from Bank of America, other than the first letter stating my claim was accepted, paid, and claim was closed. Today when calling again, I was told I now have to call back tomorrow to a different department and speak to someone there. 
It is now almost 5 months after I have originally submitted the claim and Bank of America still has not released the funds to me, when the claim has been accepted and is a valid claim. I have been negatively financially impacted by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I truly fell like I'm. being taken advantage of and being ignore of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it have been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This Inquiries are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CXXXX XXXX  XXXX XXXX XXXX XXXX placed my account to the credit bureaus for a eviction which at the time I was covered under the XXXX XXXXXXXX in Nevada. I filed to have this matter sealed with XXXX XXXX justice court the case # is XXXX this record has been granted and sealed and should be removed from my public records and credit report please see attached
Product: Debt collection

I contact XXXX XXXX Credence Resource Management regarding a collection account showing on my credit regarding a bill of {$370.00}. I called the collection agency and the creditor and provided them with the police report filed. Advised them that I have been a victim of identity theft since 2018 and neither company has updated my file or credit report. No one called me back as promised regarding the results and if additional information was needed.
Product: Checking or savings account

My wife and I opened an online at navy federal cu on XXXX XXXX XXXX XXXX  XXXX. XXXX md XXXX. 
On monday XX/XX/year> I wentt to the branch and deposited a XXXX check written to me from XXXX XXXX XXXX XXXX XXXX division. Written to XXXX XXXX. 
I was told that there would be XXXX  day hold and funds would be available on on Monday XXXX. On Monday my wife and I went to the branch to address a problem as we were not able to access funds online. 
We were told that we were out of luck and to call a financial reporting agency. 
I have done so, but they have no authority over bank decisions or policies. I need help. 
I know what the report is about. It is because I am on what's called chex services reporting regarding neg account balance at XXXX XXXX XXXX XXXX  or a overdraft somewhere. I haven't been able to get a checking g anywhere so I thought I'd try navy federal. The system allowed me to create account because they didn't check with their reporting agency in advance once they did so, instead of closing my account and returning g my funds, the froze it. What the need to do is allow me to close my account and return our funds. This money is part of a probate estate and is protected by a bond. I have all of the paperwork. If it comes up missing I will be in trouble with XXXX XXXX XXXX XXXX  and will have to file a claim with bond agency. Can you help? XXXX. Thanks. XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and have never had any contract with the following companies. I MUST DEMAND the original promissory note, and not a copy of a contract or statement coupon. In reference to caselaw XXXXXXXX XXXX XXXXXXXX, the absence of a valid promissory note would, indeed undermine any cleaning to any assumed that. No promissory note means you have no valid claim. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires present meant of the account in general ledger statement, signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX. ( XXXX ). The following accounts be removed pursuant to FCRA 605B and title 15 USC 1681 c-2. Any attempt to collect a debt is actually alleged indirect action. May be held liable pursuant to title 15 USC 1681n and 15 USC 1681o for willful or non-willful negligence the following inquiries were never consented on my behalf and i never gave permissible purpose. 

INQUIRIES ; Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXXXXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX XXXX  Date of request XX/XX/XXXX Show more Account name XXXXXXXX XXXX  Date of request XX/XX/XXXX Show more Account name XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXXXXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX XXXX  Date of request XX/XX/XXXX Show more Account name XXXX Date of request XX/XX/XXXX Show more Account name XXXXXXXX XXXX Date of request XX/XX/XXXX
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached the FTC Report and remove this fraudulent account from my credit report. XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report. According to the Fair Credit reporting Act ( 15 U.S.XXXX 1681 ) I am requesting that all of the fraudulent and unauthorized information be removed. This is not my debt. The company is aware of the data breach and identity theft. The debt was removed and placed back on all of the credit agencies. I re-submitted the complaint and it was deemed a duplicate which it was not. I have reached out to XXXX XXXX several times as well as all three credit reporting agencies TRANSUNION, XXXX, AND XXXX but the matter has not been resolved according to Fair Credit reporting Act ( 15 U.S.C 1681 ). The collection is fraudulent and erroneous. I am requesting its immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

These inquires were made without my knowledge or consent, and as such, I request that it be promptly removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate information has been posted to my credit file due to identity theft. I have received letters from different companies stating that my information has been compromised. Ive sent out communications to all XXXX credits bureaus notifying them of there misconduct, reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. The companies involved are ; ( XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX. ) This is securities fraud and identity theft.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding unauthorized credit inquiries listed on my credit report maintained by Experian. Despite contacting Experian and disputing these inquiries directly, I have not received a satisfactory resolution. These inquiries were not authorized by me and have negatively impacted my credit profile. 

The unauthorized inquiries in question are as follows : 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  Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a credit report is accurate and authorized. I believe Experian has failed to verify the permissible purpose of these inquiries, as I have no recollection of authorizing these entities to access my credit information.

I request the CFPBs assistance in ensuring that Experian conducts a thorough investigation of these inquiries. If Experian can not provide evidence that I authorized these inquiries, I request that the inquiries be removed from my credit report.

To assist in your investigation, I have included the following : 1. A copy of my government-issued identification.

2. Proof of address.

3. A copy of my social security number.

4. IDTheftReport ( FTC Report ) Please let me know if additional information is required. I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

I corresponded with ALLIED COLLECTION SERVICE on XX/XX/, by notarized letter, advising ALLIED I would agree to pay any debt I lawfully owe on condition ALLIED provide the following in writing : validation of " debt '', actual accounting, verification of this " debt '', a signed Invoice, ALLIED 's claim against myself and the contract binding ALLIED and myself. I corresponded with a follow-up notarized letter on XX/XX/, requesting the same information to no avail violating 15 U.S.C. 1692 ( g ). Given the fact Allied has never responded to me and/or furnaced my requested information well over the mandatory thirty-day time period, this " debt '' should be removed from my XXXX and XXXX XXXX XXXX with positive point increases to my FICO scores. XXXX has removed this " debt '' from my Credit Report however no positive point increase on Credit FICO score. Also, ALLIED has repeatedly contacted my mother, father and sister violating 15 U.S.C. 1692 ( c ).