23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

i paid off my lease for my 2018 XXXX XXXX to GM Financial on XX/XX/XXXX. I had auto pay set up. On XX/XX/XXXX they pulled another payment of {$380.00}. On XX/XX/XXXX my wife called the help desk, she was told it would be back in my account within 10 days. On XX/XX/XXXX I called the help desk, I was told at that time it was processed Wednesday XX/XX/XXXX, I should be receiving it within a few days. On XX/XX/XXXX I called the help desk again, I was told at this time, it would need to be mailed out to me by check. It is XX/XX/XXXX. I have not received it. I work for a Bank, when we receive a payoff we terminate the auto pay. I don't understand why an additional payment was taken, and why it is taking so long to return. Also why the different stories when I call inquiring about it.
Product: Credit card or prepaid card

Chase has closed all my accounts with them with NO Explanation of why
Product: Debt collection

I noticed th is PROCOLLECT INC collect ion account on my credit and thought it was like a medical bill then discover someone used my info get an apartment. I had outlines your assistance advice and followed every step. However, this company has not responded to me. I track everything, and they disregard.     I never lived or had an apartment where the police are stating
Product: Credit reporting

I requested from XXXX XXXX and XXXX XXXX to remove Hard inquiries from my Equifax credit report. They have acknowledged they would. concurrently I had request Equifax to remove these inquires, knowing they should be. They have refused, however Both XXXX and XXXX XXXX have certified they should be remove. ( see attachments. )
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

Around XXXX, I was having financial difficulties but I found about my XXXX XXXX account gone into collections by checking my credit report. I contacted the debt collector, ALDOS sometime in XX/XX/XXXX. I paid the balance in full. I tried to ask them for in exchange for paying the debt in full to remove it from my report. They told me it could not be done. I paid them in XX/XX/2020 because I was working on improving my credit report and score. I am even working with a financial advisor to help facilitate this goal further. 
Since the balance has been paid in full. I would like to have this removed from my credit report as it is having a negative impact on my score and history. I am trying to move forward to correct my mistakes during a difficult time for me to support myself financially.
Product: Credit reporting or other personal consumer reports

I recently contacted all said company 's in regards to my information being used without my authorization.
Product: Debt collection

On   XXXX     I received a letter dated from  X/XX/17    from  XXXX  ATE & KIRLIN ASSOCIATES, INC.  saying that I owed {$130.00}.  XXXX  to a   XXXX   XXXX   We have no credit cards and all of our bills are paid each time we get them. I tried calling the contact number to this debt collector and got no answers, just a voice mail after being on hold. I will not leave any personal information as I have read they are a fraudulent company.
Product: Student loan

While speaking to a FedLoan customer service agent ( XXXX XXXX XXXX ) I

experienced several troubling issues. 1. The hold-time to speak to a customer  representative took over 35 minutes. This was the amount of time I had to wait just to SPEAK to someone about my account. After this very long initial hold time, the call took about another 30 minutes to tease-out information discrepancies I received from previous agents about the Public Service Student Loan Forgiveness program.

2. The agent ( XXXX XXXX XXXX   ) kept using ambiguous language while referring to qualification requirements about the student loan forgiveness program and WOULD NOT clarify when asked. She kept saying " we RECOMMEND that you submit the employment form annually so we can see your progress towards the loan. '' Student loan forgiveness program eligibility criteria are binary concepts. Criteria is either required or not required to advance in the payment forgiveness program so it goes beyond rational thinking why she would then say " its basically a play on words at this point. '' This whole call felt predatory at best and fraudulent at face-value. 

Not only did the agent refuse to clarify any language but was laughing and chuckling when I kept asking for clarification on enrollment eligibility that should not be made to sounds so ambiguous.
Product: Debt collection

I have been receiving calls regarding a {$530.00} debt with XXXX XXXX, the only debt I have ever had with XXXX XXXX was paid off long ago and the total amount does not match the previous debt. They gave me a time limited offer to allow me to satisfy said account for 35 % of that total. I called them today XX/XX/20 to see if they could verify the debt and would not do so without my original account number and social security number. This debt is not on my credit report and I do not and have not had a XXXX XXXX account in over 10 years. I did not give them any information as they were unable to verify the debt 's legitimacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraudulent accounts has been open in my name without my authorization. I requested XXXX XXXX, Transunion to remove them but they didnt and its going over 75 days with no information saying if they took it off or not. The company name is XXXX XXXX.
Product: Debt collection

I have been unable to make payments due to financial constraints. I was able to enter into a payment agreement with the company. However, due to an error by my work, funds were directed to a closed bank account. Therefore I was unable to make a payment as agreed upon. They started calling me several times a day. I finally got word back from my work when I would receive those payments and decided to answer their collection calls. I was speaking with the agent and notified him of my predicament and let him know I would be able to pay past due payments and be caught up with the payment agreement in 7 days when I got the money. He told me they were going to repossess the car and asked where it was. I told him he was not going to get it from me and that I would make my payment in 7 days. He then threatened my saying they were going to take legal action for hiding the car. I then proceeded to tell him the car was with my wife and that she was traveling ( which is the truth ). He then accused me of lying. And was yelling at me for lying to him ( which I didn't, I told him I wasn't going to give him the car, not that I didn't know where it was. ) He continued to threaten to proceed in a court of law. He also stated that he talked with my wife and she said to call me. He stated that I had to be lying about the cars whereabouts because she told him to reach out to me. I am the one in charge of finances, which is why the debt collectors were referred to me because I am the one who knows when we would be able to make the payments and for how much. But he continued to insist that I was lying to him and continued to threaten legal action against me for refusing to surrender the car. I then requested a supervisor. The supervisor was very polite and understanding of the situation I was in. He told me that the department they were in would not know anything in regards to legal actions and were not allowed to make legal decisions or discuss legal matters. He stated that the attempts to repossess the vehicle would continue until the payment was made and that they looked forward to receiving the payment the following week and wished me the best of luck. I fully understand the attempts to contact me and attempts to repossess the vehicle. However, threatening legal action ( which is legally not allowed ) when someone is honestly trying to pay the debt and has been put in a bad situation due to unfortunate circumstances is beyond aggravating and I will ensure that any future auto loans are not with Capital One Auto Finance.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer 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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX, on XX/XX/XXXX under the account number ( XXXX ), These account have resulted in several fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX, XXXX, XXXX This CFBP complaint has been filled to request pursuant to FCRA 605b ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complain. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, credit account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, credit account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. Also Auto loan accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX XXXX  XXXX  opened on XXXX XXXX XXXX under acount number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, chargeoffs and hard inquiries as reported. Th aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were opened, made, or initiated by me. All the aforementioned accounts, charge-offs and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) 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. My data was exposed in the Equifax data breach and the XXXX data breach, as a result the aforementioned accounts have been opened and accessed without my permission which has negatively affected my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've gone to the company directly to fix this issue and they act as though they have no idea what I'm talking about. The dates for XXXX are incorrect. It's not a complicated fix yet they are refusing to acknowledge what the problem is and to fix it. The last reported and last payment dates are incorrect. I don't understand why this is rocket science and want it corrected. It needs to be corrected or removed per the FCRA laws.
Product: Checking or savings account

I made a cash deposit on XX/XX/2022 at XXXX XXXX through the drive through window at the Truist Bank located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. 
The gentleman took deposit, he never confirmed the amount of XXXX dollars that I had written on the paper placed inside of the envelope with the bills totaling the amount of XXXX, XXXX dollars. The teller handed me a deposit slip for XXXX dollars. I immediately questioned it as it was XXXX dollars short. He stated that is all I gave him. I then went inside the branch and asked the teller to get the manager. He proceeded to argue and I told him I was stepping away and waiting for the manager. 

I spoke to the manager and she had him count the drawer. She stated it was accurate. I then requested and investigation and the cameras be viewed. It has been 12 days and have yet to get the matter resolved. I also called the corporate office and spoke to another gentleman to file a second complaint. I have spoken to the branch manager on two separate occasions to no avail. As more time passes it becomes more difficult to verify and the camera footage could potentially be deleted. Thank you for your assistance with this matter.
Product: Vehicle loan or lease

Last year around XX/XX/XXXX I had an XXXX XXXXXXXX. I was off of work for two months and all of my bills were behind. I communicated with flagship prior to the XXXX happening and I asked to be placed on the don not contact list. they confirmed that this was done. Flagship Credit went against my preference when I fell behind. They would call me repeatedly on phone number XXXX. They also called my grandmother in the middle of us mourning XXXX XXXX XXXX XXXX XXXX I called and politely asked could they please not call me or any of my family members. When I mentioned filing a complaint with the CFPB they tried to offer me a {$50.00} dollar discount towards late fees but to my surprise along with that letter I received in the mail was someone else 's personal information. I spoke to flagship and let them know I received someone else 's information along with mine. Nothing was done to recover this person 's personal information. And they still continued to contact me. I have received phone calls on my new number that I did not disclose to them, and I have not been able to pay my past due balance on the portal even while my account was caught up. I have screenshots of the calls. They have been sending certified mail with threats of repossession and the account is not 90 days past due. I feel that they have violated multiple rights I possess as a consumer. I have even been hung up on by a customer service representative.
Product: Debt collection

XXXX, a debt collector for XXXX sent mail to me concerning payment that they claim I owe. The debt is for a bill they claim I owe XXXX for service received in XXXX XXXX. The first I have heard of this debt was when XXXX contacted me, which was in XXXX of XXXX. I contacted the New York Better Business Bureau on XXXX XXXX. They referred me to Consumer Financial Protection Bureau -complaint number-XXXX- This was my complaint : I do not agree with the bill sent to me by a XXXX XXXX for XXXX XXXX for services rendered to me almost five ( 5 ) years ago ; especially since I did not live at the location at the time of the billing which I can prove.t. I resent that they waited that length of time to contact me ; and not personally, but through a collection agency. I have tried to fix the issue with Better Business Bureau.
Product: Vehicle loan or lease

I purchased a brand-new XXXX XXXX  XXXX XX/XX/XXXX, despite carrying negative equity, because I needed a reliable commuter bike and had no other options at the time. The loan carried an interest rate of 19 %, which made the payments increasingly difficult to manage, especially since my spouse refused to contribute to bills or work. 
On XX/XX/XXXX, I voluntarily surrendered the motorcycle. Up until that point, I had not missed a single payment. Since surrendering the bike, it has been over XXXX months, and I have not received any updates regarding its status. I contacted the lender and spoke to a representative named XXXX XXXX, who was extremely unprofessional, sighing and mumbling under her breath when I asked important questions about my account. This lack of clarity and courtesy has been frustrating, especially given the impact this situation is having on my credit. 
Additionally, I was told I would need a lawyer to subpoena recordings of the phone call, which seemed highly unusual and concerning. As of now, I owe {$13000.00} on the loan, and {$1700.00} appears to be accruing in interest and fees on a motorcycle I no longer possess or can afford. If the lender had sold the bike and communicated the results to me, this debt might have been reduced by now. 
This lack of transparency, combined with ongoing interest charges, is deeply unfair and is ruining my credit. I would have kept the motorcycle if I had known I would still be making payments without any resolution. I am requesting immediate action to update me on the status of the motorcycle, resolve any delays in its sale, and adjust the account to reflect fair practices.
Product: Consumer Loan

This company ' sent someone to my home on XXXX XXXX at XXXX to repo my car. We were going to take our kids on vacation the next day and had purchased their clothes and beach items and had everything already packed in the trunk of the car. I contacted the company and they said the car lot wanted the cad back and would not accept the payment I made that it would be returned to me but they took the payment anyway I 'm now with no car had to rebuy everything for our vacation and out out of XXXX.this company is a ripoff something needs to be done it is no big deal to them because they have their car and my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the credit bureaus verify all items on my consumer reports were accurate and they did the investigation and stated everything was accurate. I also did research myself and found inaccuracies on my consumer report even after they said they did a full investigation. In accordance to the FCRA the following accounts all have 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 states a consumer reporting agency can not furnish an account without my written instructions. 

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 or other personal consumer reports

In XXXX of XXXX I reached out to Transunion and attempted to dispute several items that were being reported on my credit report inaccurately and many were the result of identity theft. I was told that I would need to submit everything in writing. In XXXX, I submitted the dispute in writing and attached my ID which shows my current address and my social security card. I got no response. In XXXX I submitted ANOTHER DISPUTE and again I attached to the letter of dispute, copies of my identification, social security card, and even my identity theft affidavits. To date there has been NO RESPONSE and NO CHANGE to my credit report. Transunion is intentionally ignoring my letters. They are ignoring the consumer laws that protect me. They are causing me a tremendous amount of stress and anguish, not to mention financial hardship, in not resolving this. The items listed on my credit do not belong to me. There was a XXXX XXXX living at my address who shares the XXXX XXXX as me as well. Transunion is doing nothing to investigate the items and they are not even responding to me. I also requested that they send proof of the investigation results BUT they haven't even done the actual investigation. It's been far too long since I initiated my disputes. They only had 30 days to respond or delete the information disputed and it has been well over 30 days now.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect personal information on my credit report. The names addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not belong to me. Please investigate these inaccuracies and remove them from my record. 

Enclosed are proof of residence for your reference. I appreciate your prompt attention to this matter.
Product: Debt collection

Reliant still have this debt on my credit report. Spoke with XXXX from reliant capital solutions XXXX she said debt is being disputed. And did not provide information why I havent received a letter of debt. Just kept talking about a letter I never received. Just told me she has to ask a manager is it ok to email me or mail me a letter of debt that they say I owe. But she did let me know that XXXX stated I never finished registration for classes. So how do I owe this debt when I couldnt register for my classes due to their system being down??? And I went to a different college because I couldnt register for XXXX  classes. Please provide me proof so I can move on with my life Im already suffering from XXXX and this is only causing more emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account # 4 XXXX XXXX  Account # XXXX XXXX  XXXX  Account # 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