23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a notice from Synergetic Communications saying they were collecting on a debt I owed. They mentioned a XXXX XXXX and. XXXX  XXXX XXXX XXXX. It said that I owed $XXXX  but would accept $XXXX if I paid now.I never had business with either of those companies. It is unnerving to get this kind of letter.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), resulting from their mishandling of my identity theft claim and failure to remove fraudulent information from my credit report following the XXXX data breach., have been a victim of identity theft due to the XXXX data breach. My personal information has been used without my authorization to open fraudulent accounts, make unauthorized inquiries, and file a false XXXX  XXXX bankruptcy.Experian has reported several fraudulent addresses where I have never lived, including : These addresses are in violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of consumer information.Under 15 U.S.C. 1681c, Experian is required to ensure that only accurate information is reported. I have requested that these names be removed, but Experian has failed to comply.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Experian, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a collections account reported by XXXX XXXX XXXX under account number XXXX, which they claim was opened on XX/XX/XXXX. However, XXXX XXXX XXXX illegally accessed my credit report on XX/XX/XXXX via XXXX, XXXX days before the alleged open date, and also placed an unauthorized hard inquiry from XXXX XXXX, violating the FCRA. 

Additionally, Experian continues to report a total of 4 incorrect addresses, which do not belong to me, how can i live at 5 total addresses at once despite my providing proof of y address they still continue to report fraudulent and inaccurate information on my credit report. ( See FTC report attachment ) These fraudulent accounts, inquiries, and addresses have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question, as well as a copy of my consumer FICO credit report maintained by Experian, showing the aforementioned fraudulent items. 

I do not recognize the XXXX XXXX XXXX account, unauthorized hard inquiry ( XXXX XXXX ), or the incorrect addresses as reported. The aforementioned accounts, collections, and hard inquiries were not opened, made, or initiated by me. All of these items are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that the XXXX XXXX XXXX account, unauthorized hard inquiry, and incorrect addresses are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX credit card is lost/stolen and has over {$600.00} of fraudulent and unauthorized transactions on my XXXX XXXX credit card accounts. The XXXX XXXX credit card account currently listed and showing on my XXXX and Equifax credit report is lost/stolen and has over {$600.00} in fraudulent and unauthorized transactions on my XXXX XXXX credit card account. My XXXX XXXX XXXX credit card account number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter to this company and they have yet to respond it has been more than 30 days.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account names below has violated my rights : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX Chapter XXXX Bankruptcy XXXX Reference XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX  Account # XXXXXXXX I looked at my credit report XXXX XX/XX/year> and XXXX XXXX and noticed some things are incomplete and not accurate. According to The Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In addition, according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting me as an authorized user on the XXXX XXXX  account. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to US BANK. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

EQUIFAX CREDIT INFORMATION SERVICE, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Hello, I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX XXXX  Please remove all telephone numbers from my report as well except : XXXX XXXX XXXX XXXXXXXX Please remove all the other addresses and phone numbers off my report, as they are not deliverable to me by the U.S. postal Service and they are not reportable as per FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX, Enc. Driver License, SSN Card, and Proof of Residence
Product: Bank account or service

On XXXX/XXXX/2016 I opened a checking account with Citibank NA, account number XXXX for {$15000.00}. This account had {$400.00} bonus promotional offer which should have been deposited into my account within 90 days of opening the account which would have been on or about XXXX XXXX 2016. I opened a dispute with the bank as directed by the Citibank customer Service Representative, Case number, XXXX. Based on the attached letter they confirmed I met the promotional requirements. They are now claiming it could take up to an additional 90 days to get the matter resolved. In my opinion, I met all the requirements and the funds should be deposited as of XXXX XXXX 2016 and should not have to wait an additional 90 days. Further my funds should not be held hostage until resolved. Also FYI, I did file a complaint with the Federal Reserve Consumer Help and they informed me it was forwarded to you as last name XXXX not XXXX. Please fix on your end as appropriate.
Product: Student loan

Subject : Complaint Regarding Loan Consolidation Error by Aidvantage To Whom It May Concern, I am writing to formally submit a complaint against Aidvantage regarding the mishandling of my federal student loans and their failure to resolve the issue despite multiple attempts on my part to address it.

I previously had two consolidated loans under the Public Service Loan Forgiveness ( PSLF ) program, with only 5 payments remaining for forgiveness as of XX/XX/year>. In addition, I acquired new loans from XXXX XXXXXXXX University that I intended to consolidate separately to avoid disrupting the progress on my original loans. 
In XXXX, I contacted Aidvantage to confirm that my new loans would be consolidated separately while leaving my existing consolidated loans untouched. 
In XXXX, I discovered that my loans were placed in forbearance without my request, preventing me from making my XXXX payment. I called Aidvantage again and reiterated that my original consolidated loans must remain untouched and only the new loans should be consolidated separately. I was assured this would be resolved. 

Unfortunately, I recently checked my account and discovered that Aidvantage merged my existing consolidated loans with the new loans, which significantly disrupted my PSLF progress. My tracker now reflects 62 payments remaining instead of the 5 payments that were left prior to this error.

I am requesting immediate corrective action to : 1. Restore my original consolidated loans with the accurate PSLF payment count of 5 payments remaining. 
XXXX. Consolidate my new loans separately as initially requested. 

This error has caused me undue stress, financial uncertainty, and a significant setback in my progress toward loan forgiveness. I have made every effort to communicate clearly with Aidvantage, yet the issue remains unresolved. 

I kindly request your offices assistance in ensuring Aidvantage addresses this matter promptly and appropriately. 

Thank you for your time and attention to this issue. 

Sincerely, XXXX XXXX Phone : XXXX email : XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX with XXXX # XXXX in the amount of {$1000.00} from XXXX XXXX, XXXX is illegality holding an account that has been filed as fraud since XXXX, XXXX, XXXX. 
Affirm, XXXX was notified XXXX, XXXX, XXXX that the account in collections was listed as fraud ; by their hired, XXXX XXXX XXXX XXXX listed as : True Accord holding account # XXXX and reference # XXXX for loanID # XXXX. - Noted by XXXX. XXXX ID # XXXX XXXX, XXXX. XXXX True Accord then notified XXXX XXXX XXXX XXXX, XXXX, XXXX of the account they were currently holding listed as fraud. True Accord had not been notified by XXXX XXXX XXXX in over a year ( XXXX, XXXX, XXXX ) as the validity of the account ( stated by XXXX XXXX. XXXX the submitted to XXXX XXXX XXXX on XXXX, XXXX, XXXX a noted fraud collections. Affirm, XXXX was notified and verified of notification on XXXX, XXXX, XXXX by XXXX XXXX and XXXX XXXX XXXX they both verified and confirmed they had not been in response to this notification in over XXXX days and they did not notify the listed customer or True Accord of any supplied information in over XXXX  days. ( XXXX, XXXX, XXXX ). To date XXXX, XXXX has still not supplied any documentation or validation of this debt to any parties, nor has it followed fair credit practices to remove any accounts during the supplied and allowed time. 

The original loan was established on behalf of a merchant that was notified XXXX, XXXX, XXXX of fraud, the merchant notified that the order was never fulfilled and the transaction was listed as fraud. XXXX, XXXX was notified that an established fraudulent loan was made and the attempt of this loan is not sufficient as the merchant never fulfilled order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Product: Debt collection

Receive notification from a different organization that I have an outstanding debt with Bank of America that posted on my credit bureau report. Account : Bank of America # XXXX. I went to several branches to validate if I have an account or not. The branch managers searched for my account. I am not able to dispute the account with the credit bureau 's because the account was opened in XXXX and last payment posted was in XXXX. I check all 3 credit bureau agencies and currently the account is not on my credit bureau report.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX multiple times one date being XX/XX/year> and XX/XX/year> letting them know that I opt out of them sharing my nonpublic information with nonaffiliates like Early Warning Services without my permission or consent. They have shared over 8 different checking and savings accounts and over 71 of my transactions from all 8 accounts and their status Please see attached documents for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted all proper documents to show that I was a victim of Identity Theft.
Product: Credit card

I waited over 1 year to request a line increase on my Apple Credit Card, last requested increase was XX/XX/XXXX. Payment was made on XX/XX/XXXXXXXX  to Apple Credit Card. Payment applied on XX/XX/XXXXXXXX  and funds left checking account on XX/XX/XXXX. Credit Card was paid off in its entirety. Credit Line increase was requested on XX/XX/XXXXXXXX  to help raise credit score and credit line. Line increase was declined due to previous payment not being a " significant portion '' of loan balance per Goldman Sachs. Card was paid to {$0.00}. Supervisor named XXXX advised myself that the payment was delayed on Goldman 's side. Payment was then applied on XX/XX/XXXXXXXX  on Goldman 's end, manually by XXXX. XXXX advised decision is final and can not be updated, I need to wait an additional 180 days for another credit line increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was invlove in a card accident this the only reason why i wasn't to manage my payments for the month of XXXX and this Month XXXX that is why i am requesting and have requested if the XXXXate payment mark on my account can be removed. You can view my credit report i have never been late on this account
Product: Checking or savings account

I received one text notification of the first transaction out of multiple charges, called them and they did not want to help me because of policies i was told to wait until transactions posted and to open the claim i called before the XX/XX/XXXX of this month. wells fargo continued to authorized the charges even after i put in a complaint about the charges called multiple times, i had to leave work due to anxiety from being on hold, broke with bills due as a young single mom i am pay to pay i have bills and responsibilities .after multiple calls i am still brokewith bills coming up and no money for transportation to work because they continued to authorized charges this company has tried to hack my XXXX XXXX account also but i ignored it since it declined i did not think my identity was stolen i still dont know what is goin on .Wells fargo had declined withdrawls and charges by me and has questioned me as the customer but continued to authorize chagres after a specific complaint. I had to leave work i couldnt even focous, shaking cryig frustrated because the bank i chose to protect my funds are doing nothing but holding my money and offering no help only a useless apology, i understand there are policies but they did not do their job by continuing to authorize fraudlent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a medical debt under {$500.00} with XXXX XXXX XXXX. I have disputed this debt with the Transunion, XXXX, and XXXX. However, they continue to respond that the debt is being " reported correctly. '' While this may be true, given the debt is under the {$500.00} the new guidelines warrant removable. Countless consumers have had their minor medical debts removed. Thus, I'm puzzled why this removal has been delayed after numerous requests to remove it.
Product: Credit reporting or other personal consumer reports

CFPB ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX, XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I have no signed payment agreement with this company. Please stop collection efforts and remove from my credit report immediately. Show me a contract or remove report.
Product: Student loan

This company has sent me documentation of which I am clueless to what they are referring to. I applied ONLY for a forgiveness program and I have been signed up for a private student loan. I have sent in an email to rescind any and all documents due to fraudulent information provided. I don't know anything about this loan program nor have I given the permission to set up any accounts. Full disclosure was not provided to me. I have fully rescinded any and all documentation.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Payday loan, title loan, personal loan, or advance loan

The company has not processed my XXXX request to reduce the interest from XXXX % to XXXX  %. I've sent multiple emails to the company and the company still haven't processed the request. In addition, the company is still forcing me to make the full payment every two weeks, stating that if I do not make the payments I will be in breach of the contract.
Product: Vehicle loan or lease

In XX/XX/XXXX, I leased a 2017 XXXX from the following location XXXX XXXX XXXX of XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX , TX XXXX On XX/XX/XXXX, I decided to end my lease early and buy the car. The dealership told me they would pay off my lease loan with Ally Financial and sell the car to me. I agreed and financed the buy loan through XXXX XXXX XXXX. 

To this date, I my lease loan has not been paid off. I have had to pay two months of the lease loan and one month of the buy loan. If I dont, my credit will suffer I have spoken to the General Manager, XXXX XXXX, and he says he does not know when the dealership will be able to pay off the lease loan because the dealership and the entire company of XXXX XXXX is broke. 
He knew this at the time of sell. He, fraudulently, duped me and XXXX XXXX XXXX into believing the dealership obtained ownership of the car for resale. XXXX XXXX XXXX paid the dealership {$32000.00}, which I am responsible for paying. Yet, XXXX XXXX XXXX does not have the title for the car bc its owned by ally. 

I am stuck paying two car loans for one car and if not resolved soon, ally wants their leased car back and I will owe XXXX XXXX XXXX for a loan with no car. 

I will be forced to default on my loan and credit suffer for years XXXX XXXX ignores all of my attempts of follow up on the matter, including the past due registration of the car
Product: Mortgage

I am writing to bring to your attention a concerning issue I have encountered with Select Portfolio Servicing , Inc . Despite numerous attempts, Select Portfolio has failed to provide documentation regarding a {$30000.00} deferment charge added to my mortgage. 

I have made several requests, from XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX directly and through legal representation, for Select Portfolio to produce the signed deferment agreement. However, they have consistently failed to provide this essential information, which is critical for me relative to my mortgage balance. 

The lack of transparency and refusal to provide documentation raise serious concerns about Select Portfolio compliance with consumer protection laws and regulations. As a consumer, my right to access clear and accurate information about my mortgage, including any fees or charges imposed by the lender have been violated. 

I believe that Select Portfolio actions constitute unfair or deceptive practices, and I respectfully request that the Consumer Financial Protection Bureau investigate this matter. I trust that your agency will take appropriate action to ensure that Select Portfolio complies with all applicable laws and regulations and provides the necessary documentation without further delay. Which I know doesn't exist due to the fact I have never signed a deferred payment plan, neither have I been behind in payments that warranted a {$30000.00} deferment. 

Please find enclosed copies of my previous correspondence with Select Portfolio, as well as any relevant documentation related to this issue. I am available to provide any additional information or assistance you may require to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your efforts to protect consumers ' rights.