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

I do n't even know if anything can be done about this but I wanted someone to know about it. It has been a rough year for me payments wise. I got behind on one in particular. I bought a new mattress in XXXX of last year. I was told the price was XXXX XXXX and XXXX XXXX dollars. It was financed through American First Finance. I signed everything and on some level this is my own fault for not reading everything but I was never given a copy of that contract. I 'm not exactly sure how they are charging for interest or exactly how much I have left to pay down. I can get online and look at some information but it 's not very specific. It will only show my payment schedule not an itemized bill. It will only show the payoff amount not how much I still owe overall. My biggest problem with them is that I went back to a job I hate back in XXXX. When I was getting my first paycheck this company took XXXX late payments out without my express authorization and left me with XXXX dollars. I called and was about to start cussing but I wo n't do that because I 've worked in a call center and it sucks. XXXX different people told me there was nothing to be done and that I authorized them when I signed the original paperwork. I asked how much I still owed and one told me over a XXXX still. I had been paying XXXX XXXX and XXXX XXXX dollars and XXXX cents for over XXXX months at this point. I was told my payments would be XXXX XXXX and XXXX a month and they were n't. I suppose that should have been my first clue. I want a copy of what I signed. I want to know exactly what I 'm paying and how much interest and fees are. I think something wrong is going on here. I think a loan shark would give a better interest rate than this company. 
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Product: Debt collection

I am writing to formally dispute the accuracy of a IC Systems collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, IC Systems would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.
Product: Debt collection

Dear CFPB, I am writing to formally lodge a complaint regarding an inaccurate derogatory remark on my credit report that has significantly impacted my credit score. I am an active-duty service member who has been away on XXXX XXXX for nearly two years, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon recently reviewing my credit report, I discovered a derogatory entry claiming that I owe a company called " Aldous and Associates '' the sum of {$130.00}. I was alarmed by this discovery, as I have never engaged in any business dealings or entered into any contractual relationship with the aforementioned company.

To address this issue, I have made repeated and concerted efforts to contact Aldous and Associates, requesting documentation or proof substantiating their claim. Unfortunately, my attempts have been unsuccessful, as they have failed to provide any evidence or respond to my inquiries.

This baseless claim has caused undue harm to my credit score, which I rely on for financial stability and essential transactions. I find this situation unacceptable, as I have upheld my financial obligations responsibly and am now facing repercussions due to an unfounded claim. 

I respectfully request the CFPBs assistance in the following : Investigate the validity of this claim made by Aldous and Associates. 
Require them to provide proof of any contractual agreement or financial obligation they allege I have with them. 
Facilitate the removal of this erroneous remark from my credit report if they can not substantiate their claim. 
Please find attached copies of my correspondence I have attempted with Aldous and Associates for your reference. 

Thank you for your time and prompt attention to this matter. As a member of the armed forces, I depend on my credit standing to support my duties and responsibilities, and I trust your office to resolve this issue expediently. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt. 
Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.

15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating XXXX is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payments may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company Credit Acceptance account ( XXXX ) has an account on my credit report that does not belong to me. This has caused me undue stress as my XXXX XXXX has increased. I have just retired and my physician recommends a warmer climate to live in and with this account on my credit report it has been hindering my move. I would be eternally grateful for your help in removing this error from my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A car loan with santander consumer that was closed 8 years ago says i had two late payments but they wouldn't tell me when or provide proof. they said i have to contact credit bureau to get XXXX fixed.
Product: Checking or savings account

Fraud Complaint File # XXXX XXXX XXXX to Well Fargo XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to XXXX, XXXX XXXX : XXXX XXXX XXXX Fraud XX/XX/2023 - Initial fraud with cash advance to checking account. 
Credit Card XXXX Online cash advance {$500.00} - # XXXX Online cash advance {$500.00} - # XXXX Interest Charge {$5.00} These transactions were not authorized or initiated by me. 
No one has access to my credit card. 

XX/XX/2023 - Cash advance deposited into checking account and the following listed occurred. 

Checking Acount XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} REF # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} REF # XXXX XXXX XXXX XXXX XXXX {$500.00} REF # XXXX These transactions were not authorized or initiated by me. 
No one has access to my checking account. 
I have no knowledge of the above noted people. 
I always use the 2 step verification system for account access! 

Only XXXX XXXX is listed on my XXXX account list. There are no other recipients listed. 
I did not receive email transaction confirmations of the above noted transactions. 
Account ... XXXX is a new account transferred from ... XXXX on XX/XX/2023 due to fraud. Old account classified in Lost/Stolen status. 

XXXX XXXX XXXX
Product: Mortgage

My father passed away XX/XX/2021 on XX/XX/2021 @ XXXX XXXX  PT I left a voicemail for Novad requesting a all back and for further information on the reverse mortgage, their voicemail states a call back within 48 hours. I called back XX/XX/2021 @ XXXX XXXX PT, left another voicemail. On XX/XX/XXXX after still not receiving a call back I contacted reverse mortgage solutions and the verified the correct number for Novad and advised to contact Novad again, I emailed XXXX XX/XX/2021. XX/XX/2021 after still no response from Novad via email or telephone I again tried calling @ XXXX XXXX  PT, I waiting on hold for 45 minutes to get disconnected, I then immediately sent another email to XXXX, and as of todays date XX/XX/2021 I still haven't received any response.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry XXXX XXXX XXXX || Date of inquiry : XX/XX/2022
Product: Vehicle loan or lease

In regards to the account from bbva/ compass. I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app orally threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights
Product: Credit reporting

I did not apply for credit card or anything from XXXX Bank but they made XXXX inquiries on my record. Actually besides XXXX, I have not applied for anything so all the inquiries on my reports should be removed.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I have a federal student loan that I have been paying on since XXXX. It started off at {$68000.00} and now its over {$110000.00}. I have been asking for my loan documents since XXXX of XXXX. I was told that they didnt have them and to check with the XXXX XXXX XXXX XXXX I was instructed to file a FOIA request which I did in XXXX of XXXX ( XXXX ). The website for FOIA said they would respond within 10 days and I havent heard anything. I have reached out several times. Th first time was in XXXX and they said it was still in progress. I checked the status and as of today, its still in progress.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a 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 XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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 all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I checked my credit report on or around XX/XX/2018 and noticed XXXX XXXX  in XXXX TN had put a hard inquiry on my credit recently and one in the past. NEITHER INQUIRIES WHERE AROUND THE TIME OF MY CHECK CASHING. I called the office and asked why did they do this and she informed me that she was doing it to find my other creditors to call them to inform them of my account with them and to make my credit suffer from the hard hits. I did cash a check from them but the information was misleading and I did not consent to any credit check. The check was received in the mail as a preapprove offer. I have been cursed out and harassed by this office, and I need it to stop.
Product: Credit card

I changed the bank I was using for autopay for American Express credit card from XXXX XXXX  checking to XXXX XXXX checking account on XX/XX/XXXX. This action was done on the credit card 's website. After providing the new bank 's routing number and account number, I received a confirmation email from American Express which said " Weve received the changes to your AutoPay Monthly plan. Thats it theres nothing else you need to do '', a copy of which is attached. 
My next autopay was due on XX/XX/XXXX. I checked the credit card account on XX/XX/XXXX and found that the autopay didn't happen and a late fee of {$29.00} was charged to me. I immediately contacted American Express customer service. I was able to make a manual payment to the full amount due. However, I was told by the agent that the the late fee can't be waived. Agent stated that the autopay didn't go to the new bank I added because it was mid-billing cycle. I disputed that citing the email from American Express that didn't mention any such requirement. Also they could have charged the previous bank account which is still active if the new one can't be used. The customer service rep was not able to reverse the late fee and I requested a call from the supervisor to resolve this issue. I received calls from two people claiming to be supervisor on XX/XX/XXXX and XX/XX/XXXX but they kept repeating the same thing and not agreeing to remove the late fee.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS XXXX XXXX XXXX XXXX PLEASE REMOVE IT FROM MY CREDIT REPORT IMMEDIATLY THANK YOU
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at a Chase Bank in Georgia, I withdrew {$8000.00} from my chase checking account. I then used those funds to purchase a cashier 's check in the amount of {$8000.00}. Next to the purchase date, it reads VOID AFTER 7 YEARS. I was under the impression that it would be valid for 7 years, so I saved it for 5 years and 11 months. On XX/XX/XXXX, I went into a chase bank in XXXX, NC and tried to cash it. I was told by a bank employee named XXXX, that the check was not valid and could not be found in the system. Another employee XXXX, came to look at it. Both employees were unwilling to help and sent me out of the bank in tears, without any resolve. On Monday XX/XX/XXXX, I contacted and spoke to several chase customer service representatives. I was able to find out that chase canceled my cashier 's check and sent my {$8000.00} back to the state of Georgia, where I originally purchased it. The rep told me I had to contact the Georgia Dept of Revenue and request an unclaimed property search. I did so, also on XX/XX/XXXX. The XXXX  XXXX has not received any funds for an XXXX XXXX from chase bank. I then contacted Chase again. A different rep gave me an email to contact chase 's abandoned property department. I emailed them on XX/XX/XXXX, but still have not received any response from them. At the current moment chase has stolen/lost {$8000.00} of mine and my check is simply just a piece of paper. None of chase representatives have given me adequate assistance. I am reaching out in hopes that someone can please assist me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reported a hit and run to the XXXX XXXX ( XXXX ), policy number. The accident occurred while my car was parked at the trailhead in XXXX XXXX, OR. I was not present this, the accident was ruled at no fault to me. 

On XX/XX/XXXX, I contacted XXXX XXXX for an auto insurance quote. XXXX XXXX provide a quote based on what they claim is a listing on Lexis Nexus of an at fault accident occurring on XX/XX/XXXX. I contacted the XXXX XXXX XXXX demanding to know why the accident was reported as my fault. Supervisor XXXX stated Lexis Nexus is misreporting as I have no at fault accidents in my driving history. 

Not only is Lexus Nexus misreporting the accident, they list over a dozen aka fir ne and an address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. I have never used aka or this address. I contacted my creditors and none have reported this address. Lexis Nexus is allegedly committing fraud. 

I was a victim of identity theft. I was arrested for this woman 's warrant as she used my driver 's license during an arrest which merged our data. Fingerprints were compared an I was released on the warrant as mistaken identity. Lexis Nexus has dozens of arrests that do not belong to me. XXXX, XXXX, XXXX. They report 22 aliases which are not mine. 85 % respectively, of their profile regarding my life is alleged fraud. 

I have sent dozens of letters to Lexis Nexus demanding correction of the false data, to no avail.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX : {$0.00}.
Product: Debt collection

As a US service  member I had froze my  XXXX   XXXX  Account when I received orders to be stationed overseas in  XXXX   XXXX . When I returned to th e U.S.  in  XXXX  I re-activated my  XXXX   XXXX  Account, and a few months later I purchased a new cell phone with them. When I purchased my new phone in  XXXX  I updated my billing/address information with the sales attendant in  XXXX  's  XXXX , CO store. In  XXXX  I switched carriers to  XXXX , taking my  XXXX  phone number with me.     Unknown to me, I had a {$73.00} balance left on my  XXXX   XXXX  account.  XXXX  only attempted to notify me of this balance by mail and they used my old overseas mailing address. The only time I was called about this balance was when it had already gone to collections and subsequently it ended up on my credit report.  XXXX  did not use my updated    U.S. ad dress nor did they attempt to call me on the phone number that they knew  I took with me to reach me about this balance. Only the collections agency ( IC System ) used my phone  number to reach me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding an outdated account that is still showing on my credit. the account is over 7 years old and the credit bureaus have not corrected my credit report it is still showing as a collection. I had asked them to please update this incorrect information and it has been over 30days and I still have not gotten a response. The account is XXXX XXXX  account # XXXX is from XXXX. I need them to delete this account from my credit report.
Product: Credit card

The following has been submitted to Bank of America VISA credit card disputes department. XXXX duplicate {$77.00} charges and XXXX {$82.00} charge were made from XXXX XXXX XXXX in XXXX on XXXX XXXX, XXXX. The {$82.00} charge was correct but the XXXX {$77.00} charges were a mistake. The paper was jammed and the charges were submitted three times so another charge was made at the restaurant bar for {$82.00} ( {$5.00} was added since XXXX person did not qualify for the XXXX discount ). On XXXX XXXX, XXXX I had asked for the XXXX {$77.00} charges to be refunded but only XXXX was refunded. In XXXX XXXX and again in XXXX XXXX I called about not receiving the other XXXX refunds but nothing was done. I called again XXXX XXXX, XXXX and was asked to write a letter because the agent " could n't do anything about it since it has been more than a year ''. The reply to the letter and a phone call to Bank of America credit card billing disputes department was that they could not see the statements as far back as XXXX XXXX and therefore the case is closed. I pointed out that a statement is being mailed to me so why could n't they see the same statement. The agent asked his supervisor and was told that the case is closed and I would not receive my refund. I have been a customer with Bank of America since XXXX.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX has violated my rights 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2it also states a consumer reporting agency can not furnish a account without my writing instructions
Product: Debt collection

InXX/XX/2017 XXXX XXXX came to our home every 2 weeks to demand money. 
Finally, we surrendered the vehicle in XX/XX/XXXX. We never were notified of sale of vehicle, or the amount they sold it for. The only notice we received was an amount they put on our credit reports. 
When we tried to obtain verification and validation of the collection amount, XXXX sold the debt to a debt collector. They violated my rights as a consumer by 1. Sending thugs to my home every 2 weeks. 2. Never notifying if any kind of the sale of the vehicle.