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

I leased a car from XXXX in XXXX, NJ in XX/XX/XXXX. When it was time to turn in the lease in XX/XX/XXXX I decided to purchase the vehicle. I went to the dealership and took out a loan on XX/XX/XXXX with XXXX to buy out the vehicle. I got a loan through XXXXXXXX XXXX XXXX to purchase the vehicle. A few weeks later I started getting calls, texts and letter in the mail saying I have a past due balance of {$1100.00}. I called the dealership and they assured me I have no past due balance since I bought the car. The account is now showing 60 days late on my credit report and dropped my score almost 100 pts. I have talked the creditors every time they call and have explained to them, I have sent them email copies of the purchase contract and yet this has not yet been corrected.
Product: Credit card

I am a victim of identity theft. The fraudster made a purchase on XXXX XXXX, 2016 for {$4800.00} at XXXX XXXX in XXXX, Michigan using my Citibank credit card account. The purchase was quickly identified as fraudulent and I have made a police report to the XXXX, Michigan police as requested by Citibank. Despite this, the purchase amount is STILL included on my Citibank account plus {$420.00} in fraudulent interest charges. I have called Citibank numerous times to get the charge removed, and they say they will remove it, but that still has not happened. XXXX additional things to consider : 1 ) I live in XXXX, Washington and have never even been to XXXX, Michigan, and 2 ) the fraudster made a similar purchase on the same date with the same store using my XXXX card account. That incident was also identified as fraud and reported to the police, and the charge was removed from my credit card bill in XX/XX/XXXX. I fail to understand why Citibank can not get their act together and remove the fraudulent charge from my bill! I am complaining to you because my patient, persistent efforts to resolve this matter have gotten me nowhere.
Product: Debt collection

I received a letter from my employer on XX/XX/XXXX ( ish ). This letter stated I was being garnished by a debt collector. I received NOTHING from this debt collector about this garnishment. I contacted these people as well as the district court that allowed this to happen. I was ignored for the most part and finally told by the court to get legal advice. The debt collector sent me their documentation, this debt is about 20 years old!!!! A freaking gym membership. The address they sent the information to was an address I havent lived at in over 3years. I dont even live in the same state any longer. The ONLY documentation I received was from my employer. That is it!! What can be done about this?!?!?? This particular debt collector is related to the owners of this gym. XXXX XXXXXXXX XXXX. This is a racket.
Product: Credit reporting or other personal consumer reports

XXXX has continued to harass me and others since purchasing this KNOWN FRAUDULANT DEBT from XXXX XXXX. In XXXX  someone made multiple fraudulent purchases in my name including one at XXXX XXXX. I have never used this merchant. My bank identified it immediately as part of the compromise to my finances and accounts and ruled it as fraud, notified XXXX XXXX and reversed all charges. 
At that time, the debt was sold to XXXX who began harassing people mercilessly. A complaint was filed, a CFPB complaint was filed, and all three credit agencies were notified that the collection added at that time was indeed fraudulent and XXXX is aware of that. 
The collections were removed from my file at that time. 
XXXX, knowing the " clock '' is running out on the debt has begun aggressive attempts again, in bad faith, and knowing the debt has been deemed fraud and already removed prior on multipole occasions, resumed calling, and threatening again. The XXXX agent stated they did not care who the debt belonged to, if it were fraud, etc. and stated they would damage my credit intentionally to cause me harm and force me to pay the debt regardless of its fraudulent status. They readily admit it had been established that this debt has been determined to be fraud in the past. 
XXXX further stated they saw I had applied for loans and was making soft pulls looking at autos and would sabotage that. 
Indeed, XXXX has done this and has intentionally and with malice aforethought once again filed a collection on the fraudulent debt that they are very aware I am not responsible for, my bank has ruled as fraud and charged back to the original merchant, has been removed from my file multiple times, and once again filed a collection on all three agency files to intentionally cause me mental anguish, financial hardship, cause the denial of loans to leave me without transportation, harm my future employment status, leave me unable to seek medical attention for myself as a XXXX individual with limited mobility, place my XXXX son at risk and unable to seek therapies, treatments, and educational opportunities solely to force me to pay XXXX a debt I do not nor never have had a responsibility for and XXXX admittedly state they are aware of my lack of responsibility. 
All of this is documented by bad faith and predatory behavior that the firm has exhibited and has a known systematic pattern of documented behavior and legal filings from consumers against XXXX. 
I would demand that XXXX remove the collection from my file immediately, compensate me financially for the FCRA violations they are in contempt of, and that all three major credit agencies IMMEDIATELY remove the collection from my file, or they too face repercussions.
Product: Credit reporting

I have disputed XXXX incorrect addresses reporting on my credit with Experian over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, GA
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I submitted a request to freeze my minor child 's credit. In XXXX, I received a response stating that I had not supplied all necessary documentation. I had in fact supplied all necessary documentation listed in the Equifax form. So I resubmitted the application, with all documentation requested, in early XX/XX/year> ( along with a copy of their letter ). On XX/XX/XXXX, I received a letter from Equifax dated XX/XX/XXXX that again claimed they were unable to process my request for a security freeze on my minor child 's credit report. This time, they did not provide a specific explanation as to what forms were missing or the reason for their inability to process the security freeze request. I have had not trouble implementing security freezes with the other two credit bureaus : XXXX and XXXX. I encountered similar difficulties with Equifax ( and only Equifax ) when attempting to implement my XXXX XXXX XXXX  credit freeze two years ago, and I had to submit a similar CFPB compaint to this one in order to get Equifax to implement the requested freeze ( complaint XXXX XXXX and XXXX ). I suspect Equifax is intentionally delaying implementation of credit freezes in order to have more credit files accessible to their paying customers ( lenders, credit card providers, etc ). I kindly request CFPB investigate this suspicious practice from Equifax.
Product: Credit reporting or other personal consumer reports

I've disputed the debts on my credit with expieren. Even told them to remove the information and quoted the under 15 USC 168b this information can't be reported on my credit with out my permission and I asked them to remove it immediately. Before that I explained the 3 accounts were not my debt and the last time I filed a dispute I asked them to verify the 3 accounts and send ME by mail or email a copy of my wet signature for the negitive debt they are claiming are mine. Every dispute has been left with no resolve on my credit. I never received the wet signature and verification this debt is mine like I asked and their finding was it's my debt and it has to stay on my account.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file with Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and XXXX XXXX I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable XXXX XXXX XXXX If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX : {$18000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$770.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$770.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of a severe form of XXXX XXXX pursuant to the final rule on XXXX XXXX. On XX/XX/ I put in a request to have inquiries blocked due to adverse information being reported due to a severe form of XXXX XXXX on XX/XX/ they sent me a XXXX email stating " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. They are violating my right to privacy. I have not recieved any prior notice about anything being reported on my credit report nor have gave my expressed, written or verbal consent for anyone to post any thing to my credit report. As well as violated my rights to opt out as well.This is a Civil liability for willful noncompliance pursuant to 15 U.S. Code 1681n.I am seeking {$1000.00} per violation commited by Equifax during them entire lifetime of them accessing my credit profile, Plus damages and a full financial disclosure, Accounting, Book-keeping entries for the name XXXX XXXX because I am aware you sell people information and I would like my cut on what you make on that as well.
Product: Mortgage

Champion Mortgage Keep sending me Fraudulent Claim, what is not, on my Mortgage Note. Champion Mortgage Chooses to apply a Advance Payment to the Mortgage Note in which I never requested no is it allowed under the term of the Mortgage Note. 
They send me a DEFAULT DUE to non-payment of TAXES and INSURANCE in which I always Paid from since I obtain the LOAN Champion Mortgage has the Home Owner Insurance Policy the carrier and the Agency.
Product: Mortgage

Started the Streamline ( IRRRL ) VA Loan Refinance Process on XXXX with Veterans United Home Loans. Received an initial loan estimate and then we provided documents the company required. As time went on we kept getting new Loan Estimates which kept increasing the amount we would be financing. When we questioned why the costs of processing the loan kept increasing we were never given an honest answer and all the companies reps said " We are trying very hard to find the lowest cost for you ''. The initial loan estimate was for {$180000.00} and the most recent loan estimate we received was for {$180000.00}. {$180000.00} is {$10000.00} more than what we owe on our mortgage which is {$170000.00} and this would take at least 10 years to recoup which then makes no sense to refinance when one has to pay these extremely high closing costs. This {$10000.00} amount is more than we paid when we purchased the home which makes no sense. So when we talked to several other VA Authorized Mortgage lenders they all said we should only pay from {$4500.00} to {$5000.00} in total closing costs and no where near the {$10000.00} that Veterans United Home Loans wanted. So we pulled our application with Veterans Home Loans due to the apparent fraudulent behavior they begin exhibiting after more than 40 days of the closing process. We have submitted the Loan Estimate documents we received over this 40 day period of time from Veterans United Home Loans showing how each time the amount to be financed kept increasing for absolutely no reason. We also paid for a Full Appraisal out of our pocket and then found out only an Outside ( Drive by ) appraisal was done and we said we needed to be reimbursed the difference since an outside appraisal is less costly than a full appraisal and were told repeatedly they would look into it but we never got a reimbursement for the difference or explanation whatsoever. We will use another company to do the streamline refinance and hope our complaint helps other Vets so they are not Ripped Off by unscrupulous lenders.
Product: Mortgage

My husband and I applied for loan modification maybe XXXX times in the past XXXX years. The bank will notify us to apply and we did. Then all papers are requested and we always comply, submit the required papers. The bank will request for more and we find it is already too much. We check the requirements but they always have additional requests. Then the result is nothing, they do not inform us the outcome. What happens in the next bill is an increase of our monthly payment. So we complain because our intention for the modification was to lower the monthly payment. What I noticed was no papers sent to us about our application. We pay the new higher payment. What I noticed in this application processes is the equity is gone each time we apply for the modification. Applications were all at their behest. I think it was last year that they increased again the monthly payment. For the XXXX changes, it was like from {$1300.00} to {$1600.00}. In the last application a form for a loan was included for us to fill up and send back to them. It stated, we are applying for a loan thru ' HUD and the bank will get the proceeds but they will add it to our loan. They told us it will be included at the end of the loan. The last time I knew our balance was less than {$100000.00}. My husband had a XXXX mortgage and he requested help from some church group who were helping borrowers having financial difficulties due to job loss. From then on we really did not have any idea as to how much our balance was. Now the bank is trying to foreclose our only home and I 'm scared to death we might be homeless. I am fully retired and my husband is still working because of the property. We are trying to save it. We were up to date even with the increased monthly payment. Until XX/XX/XXXX we were able to pay them. When we went to the bank to pay for XX/XX/XXXX the bank did n't accept. My husband called their loan dept. reason they did not want to accept was they were foreclosing it. 

Also, in their notice of foreclosure I noticed another couple was in the list who were also notified of the foreclosure. I am in a quandary. I would like to know how it happened that there was another couple added with us. I know we are the only XXXX paying the mortgage. Please if you can look into this. I am desperate. 
if you can dig from the time my husband requested a church group helping hand please. I will send the supporting papers by fax tomorrow, I do n't know how to attach. My husband will fax to your office tomorrow from his work. 

We are now in foreclosure and we have a lawyer helping us. But the solution is, to me embarrassing. If we could save the house for now to have time as to the best move. I had your office in mind since last year when I read about the bureau from XXXX. I could not muster thinking of bad thoughts. But I was really glad to learn you are there for us. 

Thank you very much, I remain very respectfully yours, XXXX
Product: Credit card

XXXX/XXXX/2017 charges were declined on my Capital One Venture card. XXXX/XXXX/2017 contacted Capital one and was told that the account was closed but had no explanation other than to say the card holder agreement allowed them to do this for business reasons. They stated that I should receive a notice in the mail soon. As of today, XXXX, I have not yet received this notice. What I did receive today is a notice from Kohl 's indicating that my Kohl 's credit card account was being closed. It just so happens that my Kohl 's card is issued by Capital One. This notice states ... '' The reason ( s ) for our decision is as follows. We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. '' We only use this card for personal, family, and household purposes so I have no idea what they are suggesting. They have never notified me of any issues in the past. We always pay our bill on time and in full. Capital One 's own credit reporting indicates a XXXX credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I need the following to be updated right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureau is reporting information to my consumer credit that is not accurate, has not been verified nor authorized. This is administrative remedy, as required prior to filing suit. I mailed a copy of the letter along with a photo copy of id and social security card. Actual letter is attached to this complaint
Product: Vehicle loan or lease

XXXX   XXXX  /2017 Handed a teller at  Wellsfargo  a check for {$19000.00} to pay down the principal of my new vehicle loan. Normal monthly payment not due until  XXXX / XXXX /   2017.      On the check I wrote " Principal Only '' and instructed the teller this is not a payment, this is principal.     She applied a portion of the check as a payment, resulting in {$55.00} of interest fees collected, then applied the remainder to Principal. Completely ignoring my request and resulting in the theft of {$55.00}.     I noticed it toda y  XXXX 2017    on my statement and informed Wellsfargo. They said I could make a request, and it would take 3 days to review. No promise of fixing their error, no promise to return the money they stole. Just a vague " We will review. ''
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, realizing there are XXXX inquiries I didn't authorize. ( JPMCB Card, XXXX XXXX ), ( JPMCB Card, XXXX XXXX ). I would like these inquiries removed please.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed I had quite a few unauthorized inquiries. The following companies below Experian is showing the below 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 I did not grant authorization for any of these companies to make an inquiry and view my credit report.

This is a severe infringement of my privacy rights and a violation of Fair Credit Reporting Act Section 1681b ( c ).
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Date of transaction XX/XX/22 Amount {$1000.00} I rented a home and the person posed as a owner of the house. I paid them via XXXX through bank of america. A police report was filed, and the person is being prosecuted. However, even though I filed a fraud report with bank of america the detective also supoened the account to retrieve information. They refuse to refund my money as fraud. Bank of america has been horrific with their fraud department as well as responding timely.
Product: Student loan

This is not a loan although they call it that. I never received any money. TFC collects tuition installment payments for education providers. 

In my case, in XX/XX/ 2022 I contracted with XXXX XXXX XXXX, the sole proprietor of a business that provided specific vocational training in a four-month program, to pay her installment amounts for the program which was to begin on XX/XX/, 2022. Unfortunately, she died unexpectedly on XX/XX/, 2022, before the program began. It was announced by her husband on the program 's XXXX group and that he had immediately closed her school. 

Her death nullified the contract not only with me but with TFC, a fact about which they are puzzlingly indifferent. They did not know she had died and instead of using their contact information for her to find out if she was deceased wanted me to provide a death certificate. I do not have legal standing in Georgia to request her death certificate. That is reserved for family members and family attorneys. I sent screenshots of her obituary and the husband 's XXXX postings. In any event, the burden of proof is not on me. I and the other XXXX  have sustained the damages in this case yet TFC continues to attempt to collect tuition payments for classes I never received. They even phoned in violation of federal law after I requested all communication to be in writing for legal reasons. 

Fearing for my credit rating, in the months after the death I made payments assuming the husband would rectify and settle with the XXXX XXXXeft in the lurch. He never did. 

I had the barest of contact with XXXX XXXX XXXX before her death. This was a very brief business relationship. I am trying to find contact information for her husband to go to small claims court to recoup my money. I am the one who is owed money in this case.