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

My XXXX credit card account that was opened on XX/XX/2017 was lost/stolen. The balance of {$2500.00} is all fraudulent charges/transactions, and do n't belong to me. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017.
Product: Debt collection

Upon first request to verify dept, Dept collector did not send anything other than who the dept was owed to. A second request was made asking for a copy of the original signed contract with which I could verify the debt. The dept collector then sent a form letter from the company owner saying I owed the money. Five months later I receive a call from a process server that he has a summons to serve me for collections and court. 

The attorney that owns this debt collection company " Express Recovery has numerous complaints, and was reprimanded by the Utah Bar for unethical practices in 2006 but continues to use unethical practices to collect from people who do n't know their rights.
Product: Debt collection

RE : Credit Corp Solutions Around XXXX XXXX, I became aware that crucial information about my identity was stolen and used for fraudulent financial transactions, leading to a case of identity theft. 

The information included : - Full name - Social Security number - Current address ( at the time ) On XX/XX/XXXX, I was contacted by a representative of Credit Corp Solutions and informed of a fraudulent transaction via XXXX. I informed the agent about my identity theft case, and they let me know that I could send the police report and any additional information either by mail or via email to XXXX. Directly after this call, I sent an email to XXXX with the subject line Ref # : XXXX XXXX on XX/XX/XXXX, XXXX. 

Now, I have been contacted again in XX/XX/XXXX by another representative at Credit Corp Solutions, who explained they did not receive my information and the dispute was deemed invalid. This agent explained that Credit Corp Solutions has attempted to contact me 54 times for an invalid debt, despite my previous explanations and supporting evidence. 

No matter what information I tell or provide them, they are insistent on spamming me with calls, the agents are aggressively trying to get me to pay an invalid debt, and they do not listen to my explanations in good faith, resorting to hanging up or transferring me to other members when I explain my circumstance.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an admission of documentation for the following complaints : ID FOR COMPLAINT SENT TO XXXX  XXXX ID FOR COMPLAINT SENT TO EQUIFAX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I forgot to attach with the original complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for too many inquires on my XXXX report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from Transunion, XXXX, and XXXX credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason : Transunion : 1. XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX  XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX XXXX XXXX XXXX : 1. XXXX  XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Product: Student loan

In XXXX of 2019 I decided it was time to start trying to pay my loans. I contacted Sallie Mae at that time and asked how I would make arrangements for a payment I could afford because I could not afford what I was told my estimated payment would be in the Exit Counseling for my school. 
When I called the first time they told me they could not make any changes until my account was past due ( which would not be until late XXXX ) and at that time my account would be sent to a team that would call me within 3 days of my account going past due to find out what was going on and why I didnt make the payment. They said pay what I can even if it is only {$50.00} the team that reaches out would take care of the rest and be able to go over options. 
After a day I felt like that couldnt be right. I researched a bit and found other consumers that had been told this online and they told me to call back and ask to talk to their solutions team ( thats not the exact name of the team I never spoke to the team as they dont seem to exist ). I called again and was told the same thing. 
Again I felt like this was not correct after a few days and called back 3 more times to try and get more information. I was panicking about what the potential payment would be. The due date came, I paid {$50.00} and no one called. 
I waited about a week before calling and told the women what I had been told ( 5 times at this point ) and she almost laughed and said no thats not how that works. I was transferred to someone that also went on to explain that no they do not have any kind of team that does that and its my fault that nothing was done before my payment was due and I needed to be an adult and take care of my own loans. 
I asked for help and again was told they would get back to me, never happened. I didnt get a call back until an account manager was assigned to my account. Since then I have been belittled, harassed and my explanations of why Im not able to afford the payment requested have been ignored and no options have been offered at all. 

They are now harassing myself, family members, and others that do not know me at all.
Product: Debt collection

XXXX or XXXX or earlier threatening person not involved to be subpoenaed in court and issues me a summons by sheriff office if I dont pay the debt by XXXX XXXX got the letter XXXX XXXX or contact them its been 11 year since this loan I dont even remember the loan.
Product: Student loan

Starting XX/XX/XXXX, Navient raised my monthly payment from {$120.00} to {$520.00}, and they will not give me any reason why this happened. 

I requested to receive monthly statements mailed to my address each month, starting XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive anything in the mail. When I called customer service to inquire why I have not received anything, I was told that I was sent a coupon book in XX/XX/XXXX. First, I've never heard of a coupon book before. I never signed up for that, never received it, nor did I want that. Customer service said they sent it, but they did not. Then on the same call they said that they sent a monthly statement on XX/XX/XXXX, for a bill that is due on XX/XX/XXXX. How can they send a bill 2 business days before it is due? It seems that they want me to be late on this bill since I won't get the statement until after the due date. 

They keep giving me the run-around. One person tells me one thing, then the next contradicts that statement. They raised my monthly payment amount without telling me, and will not tell me why. They also changed my monthly due date without telling me. I did not ask for a new due date! For the last 10 years it has been on the same date, and then for XX/XX/XXXX they changed it without telling me ; so then my payment was late since I paid it on the day that has been in place for 10 years. 

I feel hopeless and that I will never be able to actually pay these loans off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my Consumer Report and noticed the following inaccuracies : I am not liable for the debts with the following companies listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following companies not only have never entered into a contractual agreement with me but are not even authorized to collect a debt in the state of New Jersey as they are not registered to do so : 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 After requesting proof of the legitimacy and lawfulness for these accounts none could be provided therefore I am requesting that Experian adhere to the Fair Credit Reporting Act by reporting only accurate information as stated by the law.
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 1681XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, 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 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: Debt collection

NCB Management Services INC is a debt collector that purchased by charged off auto loan. When they purchased it they also reported to my credit bureau. and re-aged the account so it appears as new debt. It does not specify or reflect the original charge of date therefore lowering my score. Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
This particular agency isnt fallowing regulations
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to the funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$1100.00} ; XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX  {$3200.00} ; XXXX  XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX : {$270.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. These inquiries were not authorized. 
Date of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized. 
Date of inquiry XX/XX/2023 XXXX XXXX XXXX Auto Financing XX/XX/2023 Experian Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 While at a XXXX XXXX  branch in XXXX Florida we discovered a personal loan of {$6400.00} in an account in my name in XXXX XXXX XXXX FL with XXXX XXXX XXXX XXXX 

My Credit Score drop from XXXX to XXXX because Oportun failed to verify the proper identity of the loan 's owner. The owner failed to make any payments on their obligations. Oportun is a loan agency based in California. The XXXX XXXX  agent informed us that the account was in my name and used my SSN. The bank agent told us that the phone, mailing, and email addresses were not the same as our contact information. 

XX/XX/2022 I created a new email address ( XXXX ) and reached out to the Oportun Customer Complaint email address ( XXXX ) and demanded that they correct their error. 

I received a reply fairly quickly on XX/XX/2022. 

I found out the unauthorized Oportun account was created on XX/XX/2022 with account # XXXX using my name. This information was posted on XXXX XXXX, XXXX, XXXX, and XXXX. 

XX/XX/2022 I received an email from an unknown person at Oportun stating they filed the proper paperwork and will follow up as soon as possible. 
I replied thanking them for their fast reply but feel the message from Oportun was auto-generated. 

XX/XX/2022 My research with the various credit bureaus yielded additional information which I provided to the Oportun complaints email. Not a single individual has yet to reply to me from Oportun. 

XXXX XXXX Received another anonymous reply from Oportun but was not provided a case number nor any indication of urgency. 

The unknown person stated, " We are sorry to hear about the trouble that you recently experienced with us. Our Customer Experience Department is still looking into it and will follow up as soon as possible. '' Sincerely, Customer Service Oportun XX/XX/2022 ( today ) I filed a complaint with the Federal Trade Commission ( FTC ) and the CFPB against OPORTUN/PROGRESO FINANCI for their part in identity theft. 

Soon we will report this to local enforcement as recommended by numerous agencies including the FTC.
Product: Mortgage

XX/XX/XXXXXXXX sold mortgage to Freedom Mortgage and Freedom sent {$5200.00} to an insurance company after just receiving my loan from XX/XX/XXXX XXXX.I had obtained a new insurance company due to premium increase and a month prior had reached out to Freedom to have someone assist me in setting up new account with them to no avail. I called and tried to speak to them about this late in late XX/XX/year>2025, got transferred to 3 different people and got nothing resolved. They even talked to my insurance agent got correct info on new insurance company but did not even clarify to him how or who would pay the policy on XXXX/2025.My escrow account is now around {$7000.00} negative and I am waiting to get my {$5200.00} back from XXXXXX/XX/XXXX XXXX I would just like someone competent from Freedom to call me personally a get this situation taken care of. The payments I am making are incorrect do to the fact that no one competent has set up my new account. I am a XXXX XXXX XXXX Veteran that needs some assistance and a little customer service from Freedom Mortgage. 
Sincerely, XXXX XXXX XXXX.
Product: Vehicle loan or lease

I have asked for clarification with my contracts APR because my contract is not clear. On page one of the contract, it states that the APR is calculated on a yearly rate, but on page 3 of the contract it states that " We figure the Finance Charge on a daily basis at the annual percentage rate on the unpaid part of the amount finance. If this is so, this is contradictory, and or unclear, and would violate TILA, as it is not clear and concise.

I have consistently asked for clarification on the calculation, as a simple email, or letter showing the calculation would suffice. The neglect of the provision on the calculation is part of a predatory practice, as the 28 percent was as well. As stated before, I was not well informed in my decision, and was supposed to be extended with information on my right to rescission, and was not.

ACA has also stated that a customer transaction history can serve as a notarized account ledger, but they do not provide proof that is being sought. Beyond that, as ACA has noted, at the time of my original complaint, they were indeed the 3rd party. A third party I never signed a contract with.

In my understanding of my installment contract, I was in agreement with XXXX XXXX, and I was under the belief that assigning the interest meant that a finance company would be handling the money, not that my car would be sold to American Credit Acceptance. This is why I continued to ask for my original creditor, or seller for communication and clarity on how the finance charge was calculated- to no avail as ACA refused to answer the sought after questions- 1 ) How to contact AutoNation as the information I had was incorrect. 2 ) Proof of Purchase through provision of the account ledger.

American Credit Acceptance has also failed to respond to my request for arbitration and has instead notified me that they no longer own the account. I was only notified after they did an investigation. I was only notified because of my request for arbitration. According to the final paragraph in my RISC, I have a right to arbitration and feel as if they have continuously violated my right with not providing what I have rightfully asked for.
Product: Credit reporting or other personal consumer reports

Transunion is artificially holding my credit score low and refusing to fix it. The same information is reported on all three bureaus, yet Transunion has my score at only XXXX, while the rest of my scores are over XXXX. Every time I complain, it drops even lower.
Product: Vehicle loan or lease

They call 5 times plus a day after they miss managed the gap insurance and now have decided I owe them a XXXX dollars even after my insurance paid the car off