23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance Owed : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I had a XXXX XXXX card ( ending in XXXX ) which I closed after paying it off in full in early XXXX. I stopped using the card since mid XXXX  after being charged for unauthorized purchases on the card. Comenity Bank which issued the credit card cleared me of the fraud charges in XXXX XXXX. 
Soon after I destroyed my card ending in XXXX, I was being billed for charges on a new credit card ending in XXXX. I never opened a new account nor did I ever used a XXXX XXXX  card ending in XXXX.. Comenity Bank has continued to bill me for charges on this card which I never used or opened an account on. I have sent letters and made phone call to inform Comenity Bank noting that I am not responsible for the the fraudulent issued credit card, but they continue to send me a bill ' monthly ' and have refused to correct their mistake .I have told them that their continued pursuit of uncalled for payment is solely a matter for them to correct and not an obligation on my part. The monthly billing has continued to this day, XXXX XXXX, XXXX.
Product: Debt collection

I.C. System Inc. reported the same debt to credit bureaus in the amount of {$380.00} on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 I was never notified of the debt or given the opportunity to dispute the debt prior to it being reported to credit bureaus.
Product: Credit reporting or other personal consumer reports

I have been trying to sign into my Equifax account all week ( XXXX 2024 ) to place a freeze on my credit. When I try to log in online to place the security freeze, Equifax says " unable to process request, try again later ''. When I've tried calling, I've been on hold for over XXXX hours and the customer service agent was not helpful in helping me place the security freeze or sign into my account. They said they would follow up over email and I never received an email. I just want to sign into my account and place a freeze on my credit.
Product: Credit card

Out of nowhere synchrony bank closed all my accounts when I had very little balance and all payments were on time. This took XXXX grand off my total credit and sunk my credit score due to no fault of my own
Product: Credit reporting or other personal consumer reports

This account on my credit report is being reported inaccurately. When I contact Experian about this, they just provide me a general response and are not complying with removing inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the conduct of Affirm Inc, a financial services company. It has come to my attention that Affirm Inc has violated my rights under the Privacy Act of 1974, specifically in contravention of XXXX XXXX XXXX and XXXX XXXX XXXX, as well as related Code of Federal Regulations ( XXXX ) sections. 

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe Affirm Inc has violated, in conjunction with related CFR sections, are as follows : XXXX XXXX XXXX- The Privacy Act of 1974 : Affirm Inc, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

XXXX XXXX XXXX- The Government in the Sunshine Act : Affirm Inc 's actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that Affirm Inc 's lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - XXXX Customer Information : Affirm Inc XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding Affirm Inc 's data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by Affirm Inc and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a re
medy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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: Checking or savings account

I had a checking account with BB & T Bank, which was merged ( along with SunTrust ) into Truist Bank in 2021. My checking account at BBT was a XXXX fee account. I recently learned that after the merger, Truist put me, without my knowledge or permission, into a high fee checking account. They were charging me $ XXXX for my checking account. When I learned about this by seeing it in my statement one day I contacted them. They would only give me part of my money back, but they still owe me {$180.00} in fees I did not consent to. 

I was told that XXXX XXXX did this to customers too after a merger with XXXX and I wanted to report Truist for their deceptive practices. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

I bought a car in XXXX of XXXX I was told and shown that I wouldnt have any interest for the first two years I was told if I paid off the vehicle within two years I would only pay the loan amount Ive paid over XXXX XXXX dollars but because of these interest payments added to my total Ive only paid XXXX XXXX this was predatory and Im never going to be able to pay a used vehicle with over XXXX miles and if I do I will end up pay XXXX dollars for a year XXXX truck What are my options
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was issued a loan from XXXX XXXX for {$1000.00}. To date, I have paid {$1000.00} which has cleared and posted plus another {$200.00} which is in process for a total of {$1200.00}. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$1000.00} loan, the fees collected should be {$150.00}. Once my XX/XX/XXXX payment of {$200.00} has cleared, I will have paid {$1200.00} exceeding the {$1100.00} allowed by South Carolina law. 

The XXXX website does not show a balance due, however, indicates payments of {$200.00} are to continue bi-weekly until XX/XX/XXXX. After the XX/XX/XXXX payment, this means I will have to pay another eleven payments of {$200.00} or another {$2200.00}. This will result in my paying {$3400.00} for a {$1000.00} loan. 

This is PREDATORY, OBSCENE and APPALLING!!! XXXX XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 

Once my XX/XX/XXXX posts to my account, I will have paid {$1200.00}. XXXX XXXX will have received the {$1000.00} back plus {$200.00} in fees. At that time, I want my account marked " Current/Paid in Full/Closed ''.
Product: Credit card

Applied for a Discovery card and was denied sad face as the agent on behalf of the principal, im utilizing the right to contract and the right to credit
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

This is a system-wide problem. It is impossible for a buyer to get a Loan Estimate from a lender- unless the buyer makes an application for a mortgage.

Check it out.

Go on-line - try to find rates on-line for a 30-year mortgage without making an application. 
When consumers make applications, the Loan Estimate in buried deep in a pile of other forms the lender forwards to the borrower. 
Everything must be e-signed, and the borrower has little idea what they are doing. The lender will not provide a XXXXoan Estimate without a full application, and the borrower can not " shop '' for a mortgage.

The Loan Estimate invariably contains a " sample '' interest rate that is not locked, and that a buyer can not lock. 
With rates going up, borrowers will get hammered by lenders!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. Account name : XXXX XXXX Account # : XXXX Amount : {$4200.00} 2. Account name : XXXX XXXX Account # : XXXX Amount : {$1700.00} 3. Account name : XXXX XXXX Account # : XXXX Amount : {$2000.00} 4. Account Name : XXXX XXXX XXXX  Account # : XXXX Amount : {$14000.00} Account Name 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 a account without written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

KINDLY
Product: Credit card or prepaid card

XX/XX/2020 Capital One generated a charge on my account without my authorization. For the amount {$95.00} Capital One member fee. This account is currently Restricted, therefore we have requested to closed the account and reversed any on unauthorized chargers. 
As my last conversation with Capital One, the manager wont reversed or closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT AND DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Iam making payments to my mortgage company through PNC Bank account, system of mortage company accidently double charged me, called them they said you can open dispute by your bank, I did till now didn't resolve this put me in very bad situation can't deposit or pay my bills because of - {$1600.00} put me in hardship, I just need resolve this dispute with PNC bank ASAP. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX BALANCE {$750.00} XXXX XXXX XXXX BALANCE {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit card or prepaid card

On XX/XX/2017 there was an account open that states I owe {$1100.00} to XXXX XXXX, XXXX on my credit report. I have never or agreed to any contracts verbally or written with this company for any payments owed or debts due. I have never heard of this company and now I am getting an overflow of emails from this company threatening me that I have to resolve my account balance or it will be sent to a lawyer. I know that I owed XXXX XXXX for an amount way less than this company claims I owe. I tried to work with XXXX XXXX company back when I was unemployed and they were working with me until this XXXX XXXX  XXXX appeared on my credit last year in XX/XX/2017, which this debt collector is holding my credit score down and restricting me from getting an apartment and auto loan. I do need a home and transportation for work and it requires to build up my credit. I thank you for your time.
Product: Payday loan, title loan, personal loan, or advance loan

i made XXXX payments in the month of XX/XX/2023 but my balance stay the same.
Product: Debt collection

I received a vociemail message on XXXX/XXXX/XXXX on my cell phone ( no prior authorization given to use my cell ) from this number : XXXX told to call back about a complaint they had against me. No name or company name given. I called the call back number : XXXX and transferred to a XXXX XXXX. No company name ever given. he referred to me by maiden name ( I have been married 10 years and go by my married name ). He very rudely advised me I had to pay {$3200.00} for an origianl debt of {$550.00} and if I settled today within an hour I could pay {$820.00}. If I did not pay within the hour he would take me to court. When I tried to obtain information about this debt he said he was from XXXX and was rude and yelled at me and said I have all the information and I was calling to pay. He also told me he " looked into my bank account and knew I had the money to pay this. '' And told me they would garnish my wages. and come and subpoena me at work. He would not give me any information and said I must call back within an hour or he was taking me to court. I never received any paperwork or notice of this ever. I have no idea who this company is as it was never identified. I have no idea what this about. i have good credit and no debt has showed up on my credit. I tried calling back and with my friend who is a lawyer. They hung up on her accusing her of identlfying herself as me, she did not. She advised she was calling about an account and they assumed she was me as they never gave her the chance to advise who she was. As soon as she did they accused her and hung up. We were able to get a name of the company either pruvant or provant mediation. Each time I called to get more information they disconnected me ( total disconected over 7 times ) and accused me of already getting the information from them in the first call. They hang up each time I spoke to them without providing information and when I ask for more information or when my frined asked for information. They were rude, provided me with false information - that they went into my bank account, could go to work and subpoena me and threaten me all without even telling what the money was for or idenitying themselves. They have violated the FDCPA, XXXX, and XXXX with their scare tactics to say the least. They kept hanging up so that I could not even get an address to send a letter to dispute the debt.
Product: Debt or credit management

Used Lexington law in early XXXX. Cant remember specific amounts
Product: Student loan

I was having a hard time paying my student loans. I was trying to make payments as I could each month but was not able to pay the full amount some months. I missed a few payments due to financial hardships. when I attempted to call Navient to come up with a financial plan, they told me the amount i was supposed to be paying was the fixed rate and would not lower my monthly payments, even though i could not afford to pay that rate. Navient then cancelled my co-signers credit card which also cancelled two other family members credit cards. This negatively affected both my cosigners credit scores and reports, as well as my own. I then got approved for a payment plan from navient, however when navient reviewed my income, they also included my cosigner and their spouses incomes when figuring a monthly payment amount. My cosigners are not assisting in paying this loan, they are " cosigners '' only obligated to pay if i can not and default on the loan. Navient has done nothing to help me attempt to get back on track with payments that i can actually afford. My income is too low to pay the amount that Navient has specified. After Navient enrolled me in this " repayment program '' they did adjust the payment slighty, but still not affordable to me, due to the inclusion of my cosigner and spouses incomes. Navient also told me that this new amount would only be temporary and the rate would go back to the " fixed amount '' in a few months. I have recently changed jobs with a lower income, and navient told me i was not eligible for any payment plans based on my new income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper pulled my credit on the XXXX and XXXX of XXXX and did not remove one of the improper credit pulls. I suspect it was to charge me a higher interest rate when we were contemplating refinancing the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried multiple times to reconcile issue with Equifax without success. Every agent states that additional information is required to remove fraudulent inquiry. Ive been given an incorrect fax number on two occasions. Finally presented an FTC complain exactly worded and containing the information they required to XXXX. They acknowledge receipt of the fax on XXXX XX/XX/2022 but the new excuse is that they can not read the FTC complaint number or date on the fax. The FTC complaint was downloaded and faxed electronically. The complaint number XXXX and date are clearly legible. This fraud occurred XX/XX/XXXX and it makes no sense that a victim of identity theft cant resolve fraudulent inquiries with a credit reporting agency in more than 6 months. Ive also contacted the bank and have been assured that they submitted the appropriate paperwork to have the inquiry removed. 
At this point, they are willfully violating a consumers rights.