23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore,XX/XX/XXXX actions contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal Law and provides consumers with necessary proof of investigation. 
XXXX XXXX which is showing as negative on my report in the amount of {$1200.00}. 
I have disputed this is inaccurate and I was never made aware of this.
Product: Debt collection

IN XXXX of XXXX I sent a letter to ERC ( Enhanced Recovery Company DBA ERC/ Enhanced Resource Centers ) requesting a validation of debt reported on my credit report. ERC responded by sending me a unofficial history of payments from an account dated XXXX. There was no payment history sent from the original debtor, XXXX, nor was there any signed original contract to render services as I had initially requested. Further the dates showing services used by XXXX were dates in XXXX when I DID NOT have XXXX as a service provider. 

Furthermore, the corresponding letter indicates a " link '' to a Customer Service agreement which DOES NOT show my original signature. 

The information I requested from this creditor was NOT sent and now I am demanding this account be removed from all three credit bureau reports. Clearly they are not able to provide the information to verify this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX denied me credit. I have the denial letter. XXXX XXXX passed away and they added my name in place of XXXX  XXXX. This is not my account never had an account with this bank and never will. The fraud department advised me that they were removing the fraudulent entry and they keep bringing it back. I just lost everything in the XXXX XXXX and this negative entry and caused me to be denied by the SBA now. I have hired an attorney who expected to fix this and filed an affidavit and sent to the repositories. XXXX has provided the necessary changes unfortunately XXXX and XXXX XXXX have been used by Synchrony bank as their own tool to hurt consumers. I requested proof and they can not prove it. The charged it off on XXXX XXXX in XXXX. Why am I dealing with his tradeline in XXXX? Someone needs to stop this bank from hurting consumers. 
Recently I lost everything in the XXXX XXXX where all my personal belongings were destroyed and I am trying to rebuild and my credit just went down XXXX points! from a closed tradeline that isn't even mine. this bank has over XXXX XXXX complaints and they still have a charter?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written notice to ceo XXXX XXXX, concerning the legal fiction Equifax, Equifax Card Services, and Equifax Information Services I as the consumer, the agent and representative of XXXX XXXX am invoking my right of rescission. My information has benefited off of without full disclosure, it has not benefited me and has been dishonorable. I am revoking all signatures, endorsements, and consents there of.
Product: Credit card or prepaid card

Account XXXX was opened on XXXX XXXX and account was paid off completely around XX/XX/2019. Bank of America agreed that once payment was completed, that it was not going to reflect on my credit report anymore. I checked my credit report and I still see all the negative reporting being reflected on my credit report which is hurting my credit report history. I am requesting that either previous call history/recorded calls get pulled up to verify this information since its showing as charged off. I paid the whole amount in order for account to be removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report  from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited  to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Checking or savings account

I had fraud in my account, I submitted a fraud investigation via Capital One. Capital one made the decision to freeze and close my accounts and will not give me access to the funds in my acct despite telling me I could go to the branch and get it. I left work early and drove an hour to the branch and was refused access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA XXXX credit line XXXX XXXXXXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX
Product: Payday loan, title loan, or personal loan

My solar loan is through Dividend Financial, sold by XXXX XXXX XXXX XXXX XXXX and after signing the contract we found out that we were overcharged on our system by {$25000.00} and Dividend Financial approved the loan amount knowing the system size and capacity. XXXX XXXX sold fraudulent systems that don't work and are undersized saying it would cover our needs, they did this to thousands of customers, only to find out the system doesn't do what promised and they also missed many disclosures in my contract. Dividend Finance allowed them to bill me for a system that wasn't even approved by the power company or hooked up, and began making me make payments on a system I could not use. I began that issue with Dividend Financial on XX/XX/XXXX, XXXX Dividend Financial did nothing, only expected their payment even after I told them the system wasn't installed all the way. XXXX XXXX just up and closed their doors on XX/XX/22 so all their customer contracts have become null and void, workmanship warranty, material warranties, everything gone with no recourse. It was found out that XXXX XXXX 's sales staff wasn't properly licensed in several states and I have a screen shot of their software showing how much they overcharged customers so Dividend Financial would approve the loan, documents were falsified and Dividend Financial takes no responsibility for not protecting the customer, as a matter of fact they steal the XXXX XXXX XXXX XXXX the customer is supposed to get by overcharging the sale and tying the XXXX XXXX to the loan to pay it down in 18 months, but in my case and many like me it takes XXXX years to aquire that credit. Dividend Financial needs to take responsibility for their part in supporting the fraud that XXXX XXXX participated in because they should only be backing loans for what the product is actually worth being they use an XXXX XXXX lein on the property, which means I can't sell my house without paying off this {$69000.00} debt. I feel Dividend Financial needs to be held accountable for joining XXXX XXXX in FRAUD and writing PREDITORY LOANS!
Product: Checking or savings account

My wife and I never signed or agreed to authorize XXXX XXXX XXXX XXXX, Wells Fargo or anyone else to deduct any money from our checking account for supplemental health insurance being sold as XXXX XXXX XXXX Plan Coverage through Wells Fargo bank. 

I contacted a XXXX XXXX XXXX representative by phone. The representative told me that the XXXX XXXX XXXX Plan Coverage listed my birthday as XX/XX/XXXX. This is in correct. My birthday is XX/XX/XXXX. 

In addition, since XXXX when the policy was issued, it was never used. In other words, no health-care claims were filed against the policy. 

This is what I was told by XXXX XXXX XXXX XXXX. 

Ive had many medical bills since XXXX. But there have never been any claims filed against this health-care supplement coverage by my wife or myself. 

We also had two insurance policies during this time. One from  my wife 's work at the XXXX XXXX XXXX XXXX and the other, up until XXXX, from my job as a newspaper reporter. 

We both have my wife 's health insurance policy and I am enrolled in XXXX. 

I have unsuccessfully tried to get proof from Wells Fargo that my wife or I authorized XXXX XXXX XXXX XXXX or Wells Fargo to deduct {$24.00} every month for this plan coverage since XXXX. 

XXXX XXXX XXXX told me to check with Wells Fargo to get that authorization. Wells Fargo said to check with XXXX XXXX XXXX. 

I thought this expense on my Wells Fargo account was for my wife 's federal union dues. 

I am sure other Wells Fargo customers were also illegally enrolled in the Wells Fargo and XXXX XXXX XXXX XXXX  without their consent.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is illegally reporting inaccurate information about me. They are reporting that I have an account with XXXX XXXXXXXX XXXX that is open and with a past due balance of {$580.00}. This is a violation of FCRA and is in violation of requisite METRO2 compliant reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the presence of a fraudulent XXXX credit card account and a XXXX XXXX on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. 

Upon reviewing my credit report, I discovered that a XXXX credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. 

I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. 

Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. 

I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. 

Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Report Item XXXX  ( XXXX  XXXX ) To Whom It May Concern : I am writing to formally dispute an inaccurate item that has been reported on my credit file concerning a debt with XXXX XXXX  , managed by XXXX. I believe this issue is a result of an error and needs to be corrected promptly. I have attached supporting documentation for your review. 

The details of the account are as follows : XXXX Account Number : [ XXXX ] Creditor : XXXX XXXX. 
Resolution Date : XX/XX/year> ( as indicated in the attached documentation from XXXX ) As outlined in the attached correspondence from XXXX, this debt was fully resolved, and I received confirmation that no balance is owed. Despite this, my credit report still reflects a negative charge-off for this account. The continued reporting of this debt as unresolved is inaccurate and unjustified. 

I am requesting that the Consumer Financial Protection Bureau assist in having this negative information removed from my credit report, as it no longer applies. This correction should be reflected with all three major credit bureaus : XXXX, XXXX, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to confirmation of the removal of this erroneous information. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

SYNCB/AMERICAN EAGLE Inquiry Date Removal Date Type Phone Number XXXX XXXX Sales Financing Company XXXX Hard Inquiry. I did not inquire about getting this credit card.
Product: Debt collection

On XX/XX/XXXX I submitted a complaint with CFPB to contact Sequium Asset Solutions. I never received written documentation of my debt or how to pay or my rights. According to the complaint, Sequim updated my contact information, but they never sent me any information via US mail. They also provided a number in which I contacted numerous times and left messages. The company refuses to work toward a resolution of my debt or getting this removed from my credit. I require WRITTEN documentation via US mail before I'm willing to pay the debt. Sequim has my information and can easily send it to me and I will pay the debt. They have not done so and it has been over a month at this point and is why I'm filling an additional complaint.
Product: Checking or savings account

PNC Bank has not fulfilled its obligations pursuant to its advertised promotion. I opened this XXXX  XXXX  account in XX/XX/2022 and fulfilled all requirements ( recurring direct deposits, etc. ) for the advertised {$400.00} bonus. However, PNC has not honored its promise by posting the bonus to my account.
Product: Vehicle loan or lease

I had a car loan with XXXX in XX/XX/XXXX, I totaled the care in XX/XX/XXXX. When the car was totaled, my insurance company paid the loan as well as my gap coverage. My mother, XXXX XXXX, co-signed this loan with me and was checking her credit report in XXXX and it showed the XXXX   XXXX was written off as a bad debt, not as a paid off or written off as a loss. I have repeatedly asked XXXX to send me the complete payment history including the payoffs and keep getting told they have sent it or its in process. I did receive a letter from gap showing their payments. this has completely dropped my mothers credit score from the 800s to the 600s.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the Equifax data breach I have sent you a letter and you have not responded back to me yet!!!!!
Product: Checking or savings account

I did NOT opt in to overdraft protection yet US Bank claims I did. They made payments and charged me {$36.00} every time. That is not the really bad part. They then went on to take the money back from the merchants and charge ANOTHER {$36.00} fee each time. Thats an overdraft fee for paying a merchant, and then another equal fee for taking the money back from said merchant!! Its up to thousands of dollars in overdraft fees now! How can they pay something and charge a fee for it, only to reimburse themselves with my money, and then charge me ANOTHER fee for reimbursing themselves??? Customer service was rude and unhelpful.
Product: Checking or savings account

I gave a friend a ride home and used my card on there phone for uber and since the XXXX of this month to today they have used over XXXX dollars in uber
Product: Student loan

I have several complaints and issues wirh my loans. First of all, the school that my ex husband & I attended was closed soon after we left. We find out that the credits attained through the programs there were not transferrable to a 4 year university, therefore, I had to stsrt all over again through another accredited college. The aid I received was not beneficial and attending that school, XXXX, was a waste of 2 years. Secondly, my husband & I are now divorced but since the loans were consolidated, they are on my credit negatively and I 'm told there is nothing I can do to separate his loan from mine. That does not make sense as we are divorced. According to our divorce decree, he has been ordered to pay his portion of his student loan debt which ca n't even be enforced so it is affecting my credit negatively. This needs to be changed immediately!!! The circumstances under which we received the loans in the first place were WRONG. I 'm so upset by how this is still affecting me years later. If there 's any way to resolve this issue I would be truly grateful.