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

XXXX XXXX purposely exposed my partner and me to an egregiously high-interest rate and loan repayment on a late model vehicle. When I became sick with a rapidly advancing XXXX two-years after the loan repayment schedule began, I requested the loan be leveraged and the vehicle returned to XXXX to avoid repossession. XXXX refused to allow me to return the vehicle and instead illegally repossessed it from the garage of our home which sits on private property. 

I was left without a vehicle and XXXX quietly began harassing us for repayment. At the time, due to my illness, I was unaware that XXXX had a class-action suit against them for abusive and aggressive lending practices to vulnerable populations such as those earning lower wages, minority communities, the elderly, etc. Just last year a collection agency stating they were working on behalf of XXXX, began contacting us stating they would take a partial payment and cancel the remaining debt. Eventhough I was still recovering and needed one more operation, we scraped together the monies, totaling nearly {$6000.00}! All three major credit bureaus still are reporting excessive amounts due and that the account is written off. 

We were promised this debt would be settled and removed. It has not and XXXX states they refuse to remove it. They are reporting all types of monies due from $ XXXX to $ XXXX, depending on the credit report. Even if I look on XXXX  XXXX the amount due is different than what each individual bureau reports it to be : Equifax - {$35000.00} reported as total due as of XX/XX/XXXX XXXX  - {$37000.00} reported as total due as of XX/XX/XXXX XXXX  - {$25000.00} reported as total due as of XX/XX/XXXX Several attempts have been made through the XXXX major credit bureaus to rectify and/or remove this erroneous data! How could we owe {$10000.00} ( +- ) on the exact same day? I was humiliated while nearly sick unto death. We asked XXXX, under the right to cancel the loan due to illness or death, to return the car due to XXXX under the terms of our agreement, but XXXX refused! I tried reaching out early on to ask for support to keep the car for our family 's needs but finally had to concede to request to return the vehicle as they refused any changes to the contract - even legitimate ones! The court has found XXXX guilty of excessive interest loans and we are proof of that. We joined the class action suit against them in effort to rectify this matter! Our auto loan was over {$1000.00} per month! So we could not possibly owe the funds they claim as XXXX XXXX knew we were vulnerable because of my XXXX! Please reinforce fair credit practices and make them remove these ridiculous, excessive and cutthroat charges from my credit profile!
Product: Credit reporting or other personal consumer reports

I found an account on my profile that does not belong to me.
Product: Bank account or service

On XXXX XXXX, 2016 I contacted ADP ( my payroll processor ) to cancel my pay-by-pay worker 's comp. insurance coverage ( provided by XXXX. 
The ADP representative sent me a cancellation form. 
On XXXX XXXX I signed and returned the form. ( See attached ) * They requested proof of other worker 's comp. insurance as a condition of cancellation. 
I forwarded the Insurance Binder as provided by my insurer ( XXXX XXXX ) - showing coverage beginning XXXX XXXX, 2016. ( See attached ) * The following Monday, XXXX XXXX - I submitted payroll and saw that NO FURTHER WORKER 'S COMP. PAYMENTS WERE CHARGED. This confirmed my understanding that the paperwork had been processed, the policy was cancelled, and that the end-of-policy audit would be conducted - at which point I would get some type of written document and/or invoice for any unpaid premium. 
This Monday, XXXX XXXX - 8 WEEKS after cancellation - I submitted my payroll, only to find that an additional {$650.00} in XXXX premium was charged and automatically deducted from my account*. I looked further and saw that approximately {$550.00} had been deducted the week before! * I immediately contacted the payroll company, and after LENGTHY DISCUSSIONS, I was told # 1 - the company never received my cancellation, # 2 - " a system glitch '' initiated the charges, # 3 - I would need to re-submit my cancellation ( which I did ), # 4 - I would need to provide proof of coverage again ( which I did - but which they said was inadequate ), # 5 - I would need to provide a Certificate of Insurance ( which I did ), # 6 - And I would have to wait approximately 30 days for the company to determine IF I would get my money back. I was not allowed to talk to a Supervisor - presumably because none were available. When I inquired which Department Head was responsible for monitoring a system that arbitrarily self-engages to withdraw funds from client accounts, I was told " there is no specific department responsible for this. ". 
I asked to speak with the representative who handled my original call ( XXXX XXXX ), but the phone rep. refused to transfer me to him. Her name is XXXX XXXX. 
Please note that I am, of course, concerned about receiving my money back, but I am MORE CONCERNED that this company is ABLE TO WITHDRAW FUNDS FROM CLIENT ACCOUNTS - FOR ONE OF THEIR VENDOR AGENCIES ( XXXX XXXX ) WITHOUT NOTICE OR PERMISSION - and seemingly WITHOUT CONSEQUENCE. THIS PRACTICE MUST BE STOPPED, and I strongly suggest that consequences be imposed to DISCOURAGE further violations of customer trust. Had we not had the funds to function following this withdrawal, the consequences for OUR company might have been severe. I ask that this be viewed with THAT in mind and that sanctions be imposed to ensure an END to these practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX 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 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: Debt collection

Dear XXXX Representative, The reason for this Fax is to bring to your attention a Fraudulent Account on my credit report originating from XXXX XXXX and Security Credit Services ( SCS ). XXXX and SCS added a collections account to my credit report on XXXX/XXXX/XXXX from a fraudulent account originating at XXXX, a furniture leasing company and XXXX XXXX XXXX  XXXXXXXX XXXX on XXXX XXXX, XXXX. 

When I called XXXX they could not find any accounts under my name XXXX XXXX associated with my social security # ending in XXXX. They did have an account under a the last name XXXX with my social security #. I told them that this was not my last name, but they insisted it was me and they said I purchased a 5 piece furniture set in the State of FL on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXXt on XXXX XXXX, XXXX. I asked them for the stores number and they gave me XXXX. I called and it says voice mail not setup. I looked up the number online and it said the store was closed. 

XXXX : XXXX I than received a call from XXXX, XXXX at XXXXXXXX XXXX XXXX XXXX who said he bought the XXXX XXXX XXXX XXXX XXXX number at least 2 yrs ago. XXXX said XXXX XXXX XXXX XXXX XXXX had closed down over 4 years ago. 

I called XXXX back and asked how a new account could be opened on XXXX XXXX XXXX if the furniture store closed down 4 years ago. I also asked XXXX how I could have purchased furniture in the State of Florida on XXXX XXXX, XXXX when I live in XXXX XXXX, CA. They proceeded to tell me they could not help me because this account was sent to collections at Security Credit Services ( SCS ) and I should call SCS.

I than called Security Credit Services ( SCS ) and proceeded to tell them the same story and they insisted this was my account and said I took delivery of the furniture and I owed them {$3100.00}. I asked them what the delivery address was and she said the furniture was delivered to XXXX XXXX XXXX. I asked her to repeat the address two more times and she stated all three times XXXX XXXX XXXX. I told the SCS customer service person this was not my address and she started to get very upset. 

I told SCS this was Identity Theft and this was a fraudulent account because the new account started on XXXX was under a false name, XXXX XXXX, at a store thats been closed for 4 yrs and with a false delivery address. SCS said I needed to send them a police report and Affidavit of Forgery and my drivers license to dispute the account and then hung up on me when I tried to ask more questions. 

I called the XXXX Sherriff department and Deputy XXXX came and took my statement and issued me a police report stating that Im a victim of Identify Theft Penal code 530.5 ( A ) which is unauthorized use of another person 's personal identifying information. 

Im asking XXXX to remove this fraudulent collections account from my XXXX, XXXX and XXXX credit reports because Im a victim of Identity Theft. 

XXXXm including the Police report which is 2 pages and the Notarized Affidavit of Forgery which is also 2 pages with this 2 page cover sheet and my Drivers License and Passport Card. 


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

I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them, I've never authorized them please remove them
Product: Student loan

Our issue is with Discover Student Loans. My son recently graduated from XXXX XXXX XXXX XXXX He has 8 private loans with Discover with a variety of interest rates from 6.8 % to as high as 9.8 %. We were told when we started that at the end all deferred loans would be able to be consolidated under one loan and one low interest rate. After 1 employer only he has two jobs not taken into consideration the fact we were told my son had to apply for a consolidation on his own without a cosigner. He was immediately declined reason unknown. The application asked for name address phone number employer SS #. Submit declined we have $ XXXX to put done that was not considered his XXXX  credit rating is XXXX not taken into consideration. We have contacted them several times with our financial advisor on the phone with us all calls were recorded. Each time we got a different story. Per my financial advisor he states they are being discriminatory. They have no under writer. They will, however, take my money and reconsider after the fact. The said until such time my son qualifies as a primary again with no consigner, they will not consolidate the loan and we have to pay the face value of multiple loans at a higher interest rate no exceptions.
Product: Credit reporting

I have been disputing incorrect information on equifax credit report. I have submitted letters and proof that these XXXX accounts showing as potentially negative should be showing as satisfactory. I keep getting letters from equifax that I have to be specific with my concerns and providing account names and nature of dispute. Equifax is just disregarding my dispute as I have sent them numerous times letters I received from the creditors stating the accounts should be showing as satisfactory Paid and paying as agreed. Equifax is reporting incorrect information which is affecting my score and obtaining credit.
Product: Debt collection

Contacted XX/XX/year> by phone number XXXX to state I had a debt owed. Debt collector refused to send me verification of debt letter and hung up the phone. Debt collector identified themselves as Radius Global Solutions.
Product: Money transfer, virtual currency, or money service

Trying to initiate an international wire transfer through the BOA online portal. Have never had an issues doing this between my USD account in the US and overseas. My last transaction was in XXXX 2020. This time around I got a message stating that the transaction could not go through as BOA does not have the fee information from the receiving bank. I contacted the receiving bank ( XXXX - Overseas ) - they stated that they do not charge a fee. Emailed and contacted BOA and they told me that the fee structure is housed with your agency ( FCPB ) and that every transaction makes a call to your database to get the information, if the information is not available is gives an error message, similar to the one I received. I don't agree with what they told me!!! My case number with them is XXXX dated XXXX XXXX, 2020. My original emaIl was to XXXX and I have since been dealing with XXXX XXXX at XXXX XXXX XXXX XXXX at Bank of America.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/XXXX and noticed some things were reported incomplete and inaccurate on ACCOUNT : XXXX XXXX XXXX XXXXXXXX. Upon realizing these inaccuracies I sent Transunion a re-investigation dispute letter CERTIFIED MAIL tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Transunion verified this account as accurate. Clearly violating 15 U.S.C. 1681i ( a ) ) Transunion continued reporting. This account is reporting inconsistent payment history along with many other inconsistencies across the 3 major credit bureaus. According to to Transunion this account charged off XX/XX/XXXX, however XXXX states this account charged off XX/XX/XXXX. Transunion also is also reporting an inconsistent payment history. Transunion has multiple consecutive month of account being 120 DAYS LATE. That's clearly inaccurate and impossible. 

On XX/XX/XXXX I sent Transunion a Method of Verification Dispute letter CERTIFIED MAIL tracking # XXXX XXXX XXXX XXXX XXXX XXXX requesting the information and documentation used to verify the account as accurate. Transunion failed to provide this information violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). On XXXX XXXX XXXX I sent another dispute letter to Transunion CERTIFIED MAIL tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Transunion ONCE again verified the account as accurate despite my numerous attempts to rectify this issue. Transunion has violated 15 U.S.C. 1681e ( b ) ). Despite my several attempts to remove this account for reporting inaccurately TRANSUNION has also violated 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) for FAILURE TO NOTATE THIS ACCOUNT AS DISPUTED.
Product: Mortgage

On XX/XX/2019 lender company called " American Financial Network Inc '' given a quote with XXXX $ credit with 4 % interest rate. 

In the initial CD they removed the lender credit. When I asked about the lender credit they mentioned that i will get that lender credit added in the final CD and asked not to worry about it. 

Final CD handed over about 3 to 4 hours before the closing date ( XXXX XXXX ) and again they have not added the lender credit. 

I was getting some realtor credit also but asked them clearly use only the amount you can and remaining you do not need to use it. 

There were seller home HOA issues and closing got postponed by couple of weeks. So when i have asked about my lender credit to the lender they were saying we had to pay rate lock extension and you will not get more than few hundred and if we add the credit now closing will be delayed ... etc. So they literally blackmailed me and corned me to close it without lender credit which they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX and it was received XX/XX/XXXX. I have not heard anything back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX  account number XXXX  XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.
Product: Debt collection

I am a victim of identity theft. I was harassed with calls from XXXX until XXXX by Flagship Credit Acceptance. I filed a identity theft report, police report, and a FTC Report and sent them in along with my license, social security card, and my utility bill. The company Flagship Credit Acceptance stopped calling and they removed the debt on XX/XX/XXXX. They reinserted the debt as a new account on XX/XX/XXXX. No reinsertion letter. No validation of debt. The debt is now reporting as a charge off and they no longer have the debt. Totally ruined my credit 15 USC 1681b-Permissible purposes of consumer reports 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are incomplete and inaccurate I sent a letter to all 3 credit bureaus ( Experian XXXX and XXXX ) I asked them to investigate the completeness and accuracy. I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW! 

According to 15usc 1681e ( b ) it states this ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) : ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. 

They also are breaking these laws as well below 15 usc 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall.. 
( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer According to 15 usc 1681s-2 it states this ( A ) reporting information with actual knowledge of errors This is unfair and if they doing it to me imagine who else they are doing this too. Can please fix
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX XXXX XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the account listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that XXXX shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I made Transunion, aware of the misleading and inaccurate collection account alleging a debt in the amount of {$10000.00} they are reporting on my credit report. Ive requested Transunion and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

it has been well over 30 days for TransUnion to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report, immediately By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. TransUnion has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) TransUnion in violation of FCRA and if they fail to comply and delete this information from my credit report, they must be held liable per 15 usc 1681n
Product: Student loan

Good morning, I have been struggling over the years to pay my loan. However, recently I spoke with Navient and agreed to auto pay in which funds would be deducted from my account every XXXX of the month. I have the email confirmation about this. 

Navient broke this agreement by deducting from my account on the XXXX causing my account to be overdrawn. This is not fair, especially because I am trying my best to repay but they are making difficult. Please help.
Product: Vehicle loan or lease

I will insert that I have sent to Company.
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank Exeter Finance for the excellent service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XX/XX/XXXX.
I bought my XXXX XXXX XXXX in XX/XX/XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XX/XX/XXXX, it has left me XXXX and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the Social Security Administration and they have approved my claim. Id have a spotless payment history. I understand my obligations with Exeter and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account.
Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Exeter 30-day late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future.
Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Exeter may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Exeter, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope Exeter Finance believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon.
Regards, XXXX XXXX XXXX  Please read about my condition. My quality of life has changed.