23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XXXX  I brought a car from XXXX XXXX XXXX  and were up todate with my payments until they email me saying XXXX XXXX were taking over and I will need to start paying them. Well when I call XXXX to see what was going on they told me I owe them for the whole car which is a lie. I brought the car for XXXX and Ive been making payments. Then they told me well XXXX XXXX didnt send anything over but your lease agreement so you have to start making the payments over then I ask him how much is it saying I owe and he told me more than what I got the car for. They now saying I owe XXXX but how is that possible if I were up to date on my payments before yall took over and Ive been paying for a year already. Not only did XXXX XXXX break their contract but XXXX  put a repossession on my credit after I told them I didnt want to lease through them
Product: Credit reporting, credit repair services, or other personal consumer reports

have reached out too these companies back in XX/XX/2021, XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
Product: Student loan

XX/XX/XXXX I contacted Discover to remove me as a cosigner and was given false information and false hope by rep XXXX and supervisor / manager XXXX. They told me I can be released as a cosigner if payments are made consecutively 48 times. How ever when I asked for more information I was told that this process is more detailed than it sounds. XXXX went on to say that a cosigner can only be removed it the student has good credit by qualifying as if the loan was a credit card application. This loan was originally a XXXX XXXX loan and was bought by Discover who is using there policy to make it seem as if I agreed to there terms when I never did. I want to see the original loan paperwork from XXXX XXXX to see what the policy was back then. Discover is holding me hostige to this loan and I should be released as reqested. Discover is treating this loan like a credit card and using the same method with a student loan that wasn't there to start with. I never agreed to any of there terms nor did I sign anything. No one should be forced to stay on as a cosigner especially since most companies are allowing parents to be removed.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX in his response to my previous complaint filed with CFPB stated that my " loan has been placed into the modification review process, with the underwriting process anticipated to commence within the next several days. 

It has been 53 days since my loan has been placed into the modification review process and 1 MONTH since XXXX XXXX XXXX reply stating my modification will be completed " WITHIN THE NEXT SEVERAL DAYS ''. So far nothing has happened - No loan modification approval documents have been posted on my account and no one has called me letting me know Ive been approved. 

On XX/XX/XXXX I emailed XXXX XXXX asking for an update on my loan. He replied on XX/XX/XXXX stating that there has been a delay for an unknown reason and will provide an update in the next few days. 

Its been 10 days since his last email email. I have sent 2 follow up email since and have yet to hear from him. I have no update and no knowledge of what in the world is going on. So here I am again, resubmitting a complaint that was never resolved in the first place and falsely closed.
Product: Debt collection

RE : FCRA Violation / Unfair Business PracticesComplaint Against : AllianceOne Receivable Management XXXX XXXX. 
XXXX XXXX XXXX, CA XXXX XXXX, 2015RE : Account # XXXXMy name is XXXX XXXX. I would like to report a clear VIOLATION of the FCRA. I first made aware of AllianceOne Receivable Management, XXXX on XXXX XXXX, 2015. I received call from an Alliance Representative stating that they were the Collection Agency attempting to collect a debt. They stated that a letter had been sent letter. I stated that I had not received any information that I that I owed anyone. Nevertheless, I requested something in writing. The person I talked with on XXXX XXXX, 2015 the AllianceOne rep stated that the letters they sent was not a Certified Letter with a Return Receipt. 
On XXXX XXXX I received another call from XXXX. It was a follow up call. I told the rep that I had not received any letter. Upon reviewing my contact information. I discovered that they did not have the correct mailing address. I stated that I wanted something in writing. She said that she would have something sent to me. 

On XXXX XXXX, 2015 I received a letter. Upon review of the information I determined that I would pay the claim. I did n't want to hassle and waste my time, money and effort. Furthermore, I did not want anything to IMPACT my credit. 
However, just before I called AllianceOne I reviewed my credit and discovered a VOILATION. AllanceOne had already reported the Collection Account to the credit Bureaus. The date that was reported on my credit report was XXXX XXXX, 2015. 
This is a violation of their own policy in the letter that I received. The letter says, " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. " Thirty days from the time I received the letter would be XXXX XXXX. The actions of AllianceOne is clearly an AGGRESSIVE, UNLAWFUL and a VIOLATION of Federal Trade Commission guidelines. 

There actions have caused harm to my credit. They did not give me an opportunity to cure or make right the situation. AllianceOne is XXXX and I am XXXX. A BIG company like AllianceOne should be ashamed. Of course, they are not. It appears the organization like FTC are allowing these unfair and unlawful actions against consumers. 
Today, XXXX XXXX, 2015 I paid the Collection. The confirmation number is XXXX. They claimed that they would delete the Trade Line in 30 days. I am truly thankful that they will remove the wrongful reporting of the collection. It should have never happened. 
Think about it. Think about if it was your husband, wife, mother, father, brother ect ... what would you do. You would ask to compensated in some way for the harm they caused. The time, money and effort. Just write this letter is taking away time to make money for my family. 
What are the legal remedies against AllianceOne? What are the other agencies that I make a complaint? 

HELP!!!!!!!!!!!! 

XXXX XXXX. 

Thanks!
Product: Credit reporting or other personal consumer reports

A dispute was already submitted on XX/XX/year> and closed. They sent me an email asking for proof that it was a fraudulent account. This is not the original issue. The problem is the original creditor fabricated these charges, didn't inform me of them, sent them off to collections before any knowledge of the account, and now this collection agency is impacting my credit.
Product: Bank account or service

I had an account with US Bank. Because of the many customer service issues I had with the bank I decided to close my account. I made sure that all pending transactions were covered before closing the account and withdrew my money out of the account. My account does not even exist when I log into US Bank. A few days ago, I received a letter from XXXX XXXX XXXX, stating that they were collecting a debt on behalf of US Bank in the amount of $ XXXX.When I called US Bank 's customer service and explained the situation, the CSR informed me that there was a write off amount associated with my account but she could not see how much it was or where the charge was coming from. She referred me to their accounts recovery number. I called the number she gave me and was told that the recovery department only took payments and that she could not look into my account. She told me that I should go to the bank where I closed my account and speak with them.I went to the branch today and spoke with one of the bankers there. I explained the situation, and after much discussion, was referred to her manager. The manager explained to me that he could not help me because it had already gone to collections. He said, " It was out of his hands ''. He went on to tell me that I should, " look on the bright side. It 's only {$47.00} '' I exclaimed that I did not want to hear his excuses and he immediately walked me out the door.
Product: Payday loan, title loan, or personal loan

Im getting a loan from coumpny and they are not letting me do what i need to give to the loan coumpny to give me the loan this is not right at all i try to ask my bank to let me have full access to my online banking and to let me be able to put check in my checking account by my mobile deospt and still have not aloud me this is why i went with this bank
Product: Debt collection

MRS BPO, L.L.C FRAUDULENTLY COLLECTED MY INFORMATION WITHOUT MY CONSENT AND IS FORCEFULLY TRYING TO MAKE ME PAY THEM A DEBT THAT I DO NOT OWE TO THEM FOR AN ESTIMATION OF ABOUT 2 YEARS. I SENT OUT A DISPUTE LETTER IN ACCORDANCE WITH REFERENCE, REGULATIONS OF THE FCRA, CFPB, FTC AND HIPPA LAWS AND CONSUMER RIGHTS ; AND NEVER GOT A RESPONSE BACK FROM THEM. I NEVER GAVE THIS L.L.C AUTHORIZATION NOR CONSENT TO MY PERSONAL INFORMATION. NOR DID I SIGN ANY CONTRACT WITH THIS SAID L.L.C TO PAY ANY DEBT TO THEM. ALSO, IT APPEARS TO BE HIDDING BEHIND THE SHADOWS OF XXXX XXXX XXXX XXXX. THEY ARE NOT REPORTING ON MY CREDIT REPORT BUT INSTEAD REPORTS DISCRETELY TO ADVANCED RESOLUTION SERVICES, XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX ( RECENTLY MERGED ) AND SENDS OUT LETTERS TO ME WHICH IS MISREPSENTATING AND IMPERSONATING AS AN ATTORNEY FOR XXXX FRAUDULENTLY TRYING TO DOUBLE DIP ON A DEBT NOT OWED TO THEM. XXXX XXXX WROTE THIS OFF DUE TO HARDSHIP AT THE TIME MY MOTHER WAS DYING AND I WAS GOING THROUGH A BAD DIVORCED AND LOST EVERYTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and filed a dispute that I did not apply for a loan with XXXX XXXX XXXX or XXXX XXXX  and they apparently did not do a full investigation because they came back and stated it was found to be accurate. I have spoken to both these companies back when this started showing up and both said they could not provide me with any documentation as to where I had inquired about opening an account. Equifax has refused to remove these two inquiries from my report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 178453623 ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I already made a dispute about a Credit Card on XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/2017. I never had a credit card with XXXX XXXX XXXX. XXXX states that all information it`s accurate. But it`s not
Product: Debt collection

I had a XXXX XXXX  account for past XXXX of my life. all the sudden I get a collection agency telling me I opened an account with XXXX  on XX/XX/2023. This is NOT Me. I never open an account with XXXX and this is no something I authorized, I didn't event get any notice from XXXX all this time. 
This is Identity theft and this is not authorized by me.
Product: Money transfer, virtual currency, or money service

I am filing my complaint against Cashapp ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, 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. Under the Truth in Lending Act and the Fair Credit Billing Act, the closure of my account without my express written consent constitutes unauthorized use of my cashapp card. 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 received a letter on XX/XX/2024 from comenity capital bank stating that they have changed my XXXXXXXX XXXX XXXX credit card account credit limit. They stated after a recent review, we're now writing to let you know your credit limit is being reduced to {$100.00}. I'm having an issue with that because I pay my account and all other accounts on time or before time ; I have an excellent credit history so I don't understand how they can determine this ; They did the same thing with my XXXX XXXX account : I won't this matter solved, thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXTRANSUNION XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXTRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXTRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXTRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX. - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX RESIDENT VERIFY XX/XX/XXXX - XXXX RESIDENT VERIFY XXXX XXXX - XXXX  XXXX  XX/XX/XXXX I reached out to have these inquiries investigated and nothing has been done about it
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian XXXX and XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXXXXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXXXXXX Account Number XXXX XXXX Please correct/update this inaccurate information on my credit report. 
5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX  VA XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Debt collection

Greetings, I am concerned with the business practice of Navient. They currently service my Federal Student loans. Over the last year my payment has constantly been different even through I am on a Income driven payment plan. They invoices don't match my billing, the billing doesn't match my loans, and I cant take advantage of interest reduction because I refuse to let the company auto draft payments out of my account. They are unable to accurately show me a schedule of payments, and the payments they do come up with aren't documented anywhere. I feel like I'm literally being robbed each month by a company that provides no service other then attempting to make me default on my loans through trickery.
Product: Debt collection

XXXX Im unaware of this debt and did not have the opportunity to dispute this account if you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account XXXX ASAP off my credit report or I will take legal actions..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to cancel the service but as soon as I state that, they just hang up. I dont even recall signing up for TransUnion XXXX 
Refunding all the money they took.
Product: Debt collection

XXXX XXXX ( XXXX XXXX ) is considered as fraud to me I have contacted Equifax to remove this account because its fraud which has been reported to me and was removed from XXXX & XXXX, I have contacted them a few times about this account.
Product: Mortgage

The Loan held with PHH/Century 21 Mortgage was paid and satisfied XX/XX/2016. This lien has still not been released of record and is still showing negative reporting on the homeowners credit report. Please demand this lender compliance. It is a Lender 's Fiduciary Responsibility to Release of Record at the Register of Deeds. This homeowner is a XXXX Veteran. 

PHH/CENTURY 21 LOAN # # # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I pray all is well I'm contacting you all because after I disputed the XXXX XXXX XXXX account and told you all it is inaccurate and not mine you all continued to furnish this account on my consumer report based soley off of information that was provided to you by XXXX XXXX XXXX according to a rep I spoke with XX/XX/2023 at approximately XXXX central time and according to the letter I recieved from you all about the reinvestigation of this dispute. It is unfair to me as a consumer that you keep furnishing this account based soley off of what the furnisher gave you all. Please see attached documents and screenshots directed towards Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX. I have attached a copy of my drivers licsense so you can veirfy me also proof that the other 2 credit agencies already deleted this account. I look forward to hearing from you all in a timely manner and hope you all have a blessed day.
Product: Payday loan

I PAID {$99.00} MONEY ORDER ONXXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNT ON XXXX XXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNTXXXX XXXX AND XXXX XXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNT XX/XX/XXXX. MY ACCOUNT # WITH RISE XXXX. RISE HAS PUT SOMETHING ON MY ACCOUNT WHERE I CAN NOT WRITE CHECKS OR CONDUCT ANY FINANCIAL BUSINESS.