23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXXXX XXXX XXXX Balance : {$410.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I was in the process of booking a flight on XXXX. During the process I was offered a {$400.00} discount on that transaction, plus XXXX bonus miles if I applied for the American Express Gold Skymiles card. I applied, and was approved, and clicked the link to request the card number so that I could use it for this transaction. However, when I went to do so, the American Express site required the security number from the physical card in order to see the card number, which of course I did not have. I attempted to navigate to this number instead from the approval e-mail I received, and when I did it said that the number was not available. 

I contacted AmEx customer service, who told me that these cards are not available for instant access. After being elevated to a supervisor, I was offered to have the card overnighted to me, which I accepted as an alternative. However, I then discovered the supervisor canceled my other AmEx card ( XXXX XXXX XXXX ) and sent the reissue for that overnight instead. I contacted customer service, who told me that they can not expedite the XXXX card, i.e., I would not be able to use it for the flight that I'm trying to book, meaning that in order to receive the credit, I would have to book another XXXX flight on the card at a later date. 

Now I also can not use my other AmEx card until the replacement arrives because it was erroneously cancelled. I was not offered any further assistance. I cancelled the XXXX account since this appeared to be a bait and switch ; I would not have applied for the card had I known I would not be able to use it on that transaction, as advertised, but would have to make another XXXX purchase after my card arrived.
Product: Vehicle loan or lease

Im filing a complaint against US Bank Leasing for increasing the dealer payoff of an automobile lease nearly {$6000.00} to a dealer where I was trading in my car. 
I had a consumer automobile closed-end lease through US Bank on a XXXX XXXX I purchased in XXXX. I have been working with XXXX XXXX XXXX to trade the car for a new XXXX XXXX to reduce my monthly payment. I still had 5 more payments left on the lease, so I called US Bank to get the amount of the payoff. It took several calls, but I finally got a payoff quote of {$25000.00} on XX/XX/XXXX. 
I went into XXXX XXXX XXXX on XX/XX/XXXX to sign the paperwork and purchase the new car. When the XXXX XXXX dealership called US Bank to get the exact amount, they were told that the payoff would be {$31000.00}. This was a shock to me and to the finance people at XXXX XXXX! The dealer called several other people in US Banks lease department and was told the same thing. US Bank said that the car was valuable, so they werent willing to let the lease be paid off for the {$25000.00} left owing on the lease. They admitted on the phone that they just wanted to make more money. 
I was stunned! I thought payoff amounts were regulated and required to be accurate. The agreement is a closed-end lease through a bank. US Bank is the lender and should have no right to inflate the payoff or retail a car unless it has been repossessed. 
To resolve the issue, US Bank told me I would have to pay off the loan myself and wait for them to send the title before I could trade in the car. Paying off the lease myself required me to borrow the {$25000.00} for several weeks until they sent the title. In addition, their payoff included {$1700.00} in Utah State sales tax which would not be included in a typical dealer trade in since Utah sales tax is included in the new car purchase. So now Im paying sales tax twice! 
I have never been late on a payment! And with all the current financial problems COVID 19 is causing, US Bank is intentionally increasing the cost of my new car which reduces the benefit of buying a less expensive car to reduce my monthly payment. Absolutely appalling! 
I am filing a formal complaint because US Banks practice of inflating lease payoffs to dealers should not be allowed under a closed-end lease agreement. If it is legal for them to do that, it certainly isnt ethical. They are in essence charging me either {$1700.00} extra in sales tax or {$6000.00} extra to the dealership where I am trading in the new car. 
There are 4 attachments : 1 ) Copy of the original lease, 2 ) Explanation of lease payoff request from the dealer, 3 ) Lease payoff form to dealer, 4 ) Lease payoff form to me,
Product: Student loan

I have been harassed for over 10 years by a company called " XXXX XXXX XXXX '' Student loan. They have stated that I owe them around 7,000 dollars for a default loan that I never agreed to nor received. I have tried to explain to this company over the years that I never received this money and it is a mistake. I requested proof of the original document and they delivered me nothing. This company have continued to deny me any information and have sold the default loan to debt collectors now. These collectors continue to contact me at my place of work, even though I have verbally requested them not to do so. The school I attended during the time the loan was supposedly given to me has no record of this money. Nor do any of my bank accounts. My parents also have no records of this company nor of this money. I don't know what I can do as I do not have the money to pay a lawyer to look into this.
Product: Mortgage

On XX/XX/XXXX, I sent a formal debt validation request to Freedom Mortgage under the Fair Debt Collection Practices Act ( FDCPA ). This request, which was delivered via certified mail, asked for the following documentation : A copy of the original promissory note bearing my signature. 
Documentation proving Freedom Mortgages legal authority to collect the debt, including the complete chain of ownership. 
A detailed breakdown of the loan balance, including principal, interest, and fees. 
Copies of all assignments, transfers, or sales of the loan. 

Despite being legally required to validate the debt within 30 days, Freedom Mortgage has failed to provide any of the requested documentation as of XX/XX/XXXX. However, they have continued to send billing statements and demand payments, which violates the FDCPA by engaging in collection activity without validating the debt. 

This lack of response places undue stress on me as a consumer and prevents me from verifying the legitimacy of the debt they are attempting to collect. 

I respectfully request that the CFPB investigate Freedom Mortgages non-compliance with debt validation laws and ensure they provide the requested documentation or cease collection efforts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc police reports several complaints sum items still showing as closed please remove all item s i requested
Product: Checking or savings account

I opened a Citi checking account under advertised terms and under a promotion which was not honored.

Earn {$600.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements - Within 30 days of opening your account deposit {$50000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$5000.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
- Maintain a minimum balance of {$50000.00} in your eligible linked checking and savings account for 60 days XX/XX/18 - Citi accounts opened online XX/XX/18 - {$50000.00} deposited to checking and {$150.00} to savings XX/XX/18 - Requirements met XX/XX/18 - Confirmed via Citi chat that requirements met. OK to move funds out. 

XX/XX/18 - {$40000.00} transferred out of Savings XX/XX/18 - Bonus should have posted per Citi 's terms XX/XX/18 - Confirmed via phone that promotion have been met. Case opened for " back office '' to investigate. Investigation reference number : XXXX. Need 2-3 days to confirm and post bonus XX/XX/18 - No updates on investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting a closed Goldman Sachs account with a XXXX dollar balance ( {$2.00} ). This information is incorrect because the balance is XXXX  and the account is closed. See attached screenshot for more information. I have verified with Goldman Sachs that the balance is XXXX.
Product: Payday loan

The company 's website does not give a clear concise history of principal and interest paid. I did not always get payment confirmations, which is the only way to see how your P & I payment was applied, the customer portal does not provide such details. I made a significant payment ( XXXX % of outstanding balance ) and my P & I structure did not change. I sent two messages stating this and NEVER received any response. I fear that I was overcharged interest but they will not respond.The company 's website does not enable consumer to track outstanding balance on a regular basis. I fear that I have been overcharged! It seems that this is on purpose to keep consumer ignorant and make sure we are not able to see any errors or mistakes on the company 's part. This leave open ample room for fraud! I sent messages to the lender communicating this fear multiple time and no reply in over three months. I believe there maybe fraudulent activity on their part!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies regarding my credit report for an account with XXXX XXXX which was closed on XX/XX/XXXX. Below are the details of the account in question : Account Type : Credit Card Opened Date : XX/XX/XXXX Reported Balance : {$870.00} Credit Limit : {$550.00} Account Status : Closed Last Reported : XX/XX/XXXX Upon reviewing my credit report, I have identified several inaccuracies : Misleading Utilization Percentage : The report indicates I am using XXXX XXXX of my account 's limit, which is not possible for a closed account. This misrepresentation can adversely affect my creditworthiness. 
Outstanding Balance on Closed Account : The account is marked as closed, and therefore, should not carry any outstanding balance. A closed account should reflect a zero balance if it has been paid off or settled.

Charge-Off Status : The remarks state " Charged off as bad debt '' and " Profit and loss write-off '' while the payment history shows no late payments ( 0/0/0 ). This does not accurately reflect my payment behavior. 

I kindly request that you conduct a thorough investigation into these discrepancies as per the Fair Credit Reporting Act ( FCRA ). If the inaccuracies can not be verified, I expect them to be corrected or removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to XXXXXXXX XXXX XXXX XXXX XXXX XXXX you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under XXXX XXXX XXXX XXXX XXXX XXXX  the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under XXXX XXXX XXXX XXXX XXXX. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

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

equifax is still falsely changing peoples scores. i just had a complaint with them about my score going down XXXX points. the balance on one of my cards decreased by {$1.00} yep XXXX XXXX & my score plummeted XXXX XXXX, The government needs to end equifax
Product: Credit card

Dear CFPB Team, I am writing to formally lodge a complaint against Bank of America regarding their failure to address fraudulent charges on my business account. 
Specifically, there have been {$2900.00} in unauthorized transactions associated with XXXX ( Claim No. 
XXXX ) that have remained on my account for over a year and a half. 

I first contacted Bank of America about this issue on XX/XX/XXXX, but despite my efforts, the fraudulent charges have not been resolved. On XX/XX/XXXX, a representative informed me they could not find the charge after I submitted documentation. I was told that the back office needed to confirm the information. On XX/XX/XXXX, I was again informed that the charges had not been resolved and that Bank of America would need to issue me a check for the claim and associated fees. I was promised a callback that never occurred. 

On XX/XX/XXXX, I escalated the issue with a representative named XXXX, who indicated this should have been resolved by now. Subsequent interactions included a call on XX/XX/XXXX, where I was assured a follow-up call would occur on XX/XX/XXXX, which did not happen. On XX/XX/XXXX, I spoke with XXXX, a manager, who transferred me to the billing dispute department but stated they could not resolve disputes related to the small business credit card. I have continually been left without a resolution, and it is causing significant financial strain. 

Additionally, I have had various interactions with representatives, including XXXX XXXX in XXXX and XXXX XXXX in XXXX all of which have led to no resolution. The total amount in question, including other fees, is {$1400.00} plus the {$2900.00} in fraudulent charges.
Product: Mortgage

My loan was sold/transferred to Rushmore Loan Management from XXXX. 

Since the loan was transferred Rushmore has inflated the owned amount in the loan, have refused to provide payment history and illegal added bogus and unfound escrow amount without any proof or documentation, they simply send letters that all of the sudden I owed them {$5200.00} without any explanations and increased my monthly payments. 
In addition, Rushmore purchased Hazzard insurance on my behalf, even though the proof of insurance was provided by FAX, email, and imcovered.com/rushmore as instructed on their letter. It seems that the only goal of this shark company is to push bogus higher fees, inflate the payments with no real proof and force homeowners into foreclosure, this company is nothing but a bully fraudster harassing homeowners. 
Please note that my agreed payment is made on time every month, however, I'm refusing to pay the additional amounts Rushmore adds every few months out of thin air.

Rushmore is refusing me to take ownership of the escrow account because this is the only way they can add bogus fees. I keep asking to have ownership and paying my own taxes, but Rushmore has refused to do so.
Product: Debt collection

To Whom It May Concern, I am filing a formal complaint against ProCollect regarding a debt that appears on my credit report. The details of the account in question are : Account Number : XXXX Amount : {$300.00} Date Opened : XX/XX/2021 I have never conducted business with ProCollect and have not authorized any transactions or access to my Social Security number. I have attempted to resolve this matter directly with ProCollect, informing them multiple times that this is a case of identity theft and fraud. Despite these notifications, ProCollect has not responded or provided any validation of the debt. 

My complaint is based on the following Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) provisions : 15 U.S.C. 1692g : This section requires debt collectors to provide validation of the debt upon request. I have requested this validation from ProCollect, but they have failed to provide the necessary documentation. 
15 U.S.C. 1692g ( b ) : This section stipulates that debt collection activities must cease until the debt is validated. ProCollect has continued to report this account despite my dispute and request for validation. 
15 U.S.C. 1692e : This section prohibits false or misleading representations in connection with debt collection. The presence of this account on my credit report is misleading and likely fraudulent. 
15 U.S.C. 1681i : This section requires that inaccurate information be investigated and corrected or deleted from a credit report. Given that this debt is not valid and is based on identity theft, I request the removal of this negative entry from my credit report. 
15 U.S.C. 1681b : This section governs the permissible purposes for accessing credit reports. ProCollect has accessed my credit report without valid authorization. 
Given these concerns, I request that the CFPB investigate this matter thoroughly and ensure that : All negative items related to this account are removed from my credit report. 

Under 15 U.S.C. 1692g ( b ), I am entitled to a response and validation of the debt before any collection activities are pursued. Additionally, under 15 U.S.C. 1681i, I request the removal of any negative entries associated with this account from my credit report, as they are based on potentially fraudulent information and have not been validated. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I have never had account with this company! Called XXXX XXXX XXXX. Ive never giving them my personal information, such as address, phone number. My date of birth .. this company has called me threatening me, access my credit report without my permission to report a account that isnt mine nor have I ever open account with them. I am asking for documentation with poof, to how they are verifying that this debt belongs to me saying this account is mine? Ive had my credit report locked with XXXX. Still they where able to access my personal information. I have gave no permission to .. calling me, harassing me, I am asking for this account to be deleted off my credit report..
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNITED STATES CONGRESS states EQUIFAX is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT under 15 USC 1681b. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), 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. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why are you EQUIFAX violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did NOT request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS under " investigative report ''. You have also now responded with a letter saying you could not verify me even tho i sent a photo copy of license and billas as needed which leads me to believe you are PURPOSELY STALLING YOUR DUTIES. EQUIFAX is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly to the UNITED STATES CONGRESS and is liable under 15 USC 1681n and 15 USC 1681o