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

I sent a letter on XX/XX/2021 to Equifax regarding inaccuracies on my credit report. I received no results of investigation so I sent another letter XX/XX/2021 regarding the inaccuracies and it taking over 30days. I filed a complaint and received a notice saying they dont recognize my name. I called the company and was given a hard time and also was told they dont know as of now if they received any letters. I have proof of the letters I sent and proof that my letter did indeed arrive at their location.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX/XXXX, Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  XXXXXXXX XXXX XXXX
Product: Debt collection

I have been attempting to ask The Winn Law Group for help due to my health complications and financial hardships I have been experiencing. In my last communication to them I explained in detail my financial and labor problems that are causing me to be unable to pay my accounts. 

My representative contacted The Winn Law Group for help and offered on my behalf {$800.00} dollars to settle in full, but they simply demanded I hand over {$1100.00} to settle this account. Unfortunately, I dont have {$1100.00} since my monthly income is around {$900.00} per month, just last month was {$860.00} ( please find the attachment ) and I must pay my basic living expenses ( please find attachment ). It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope my offer be deliver to the owner of the debt XXXX XXXX XXXX and that the regulators see what The Winn Law Group is doing to consumers, even low-income student. 

Because my work is not an essential industry, I was impacted to Covid-19, and at this point I dont have any source of income.
Product: Payday loan, title loan, or personal loan

I tried to reach out to Lending USA. They confirmed that my account shows I only had three deferments which totaled {$960.00} because my XXXX funds where messed up during those times and I notified them of those issues in advance. 

I was set up on auto drafts once my XXXX income was corrected. My monthly payments was {$320.00}. I called to get my last payment date when one rep told me to call on XX/XX/2021 to pay {$320.00}. And now my final bills totals {$1700.00} for past due balances that I was never aware of cause every month only {$320.00} would be auto drafted from my bank account. I don't understand how three deferred payments ( {$960.00} ) doubled to ( {$1700.00} XXXX like that. Its not my fault that their automatic system drafted my payment on the days that it did. 

I strongly believe that my final payments on XX/XX/2021 should only be XXXX which makes up for the three deferred payments I had.
Product: Debt collection

I am writing to formally dispute the fraudulent account ( s ) that appear on my credit report under my name. My identity was stolen, and I did not authorize or open the account
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed an inquiry on there being reported by XXXX company in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX on my XXXX credit report. Regarding the following inquiries < XXXX XXXX XXXX from XXXX XXXX 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX. XXXX never responded to my certified letters. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I did not apply for credit online or in the store with this company. I have had no response from certified letters from this Company. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!
Product: Checking or savings account

I was on XXXX XXXX where I met a gentleman who sent me fraudulent checks via email to deposit into my account and send to the following accounts : XXXX, XXXX. The check has XXXX XXXX XXXX banking with XXXXXXXX XXXX and XXXX in XXXX XXXX New York, XXXX number on check is XXXX XXXX : XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX XXXX from I Ride Used Cars that was owned by XXXX XXXX of XXXXXXXX XXXX. I purchased this car XXXX hours away from where I reside because I was in need of a car fast due to my previous car being a total loss due to hurricane XXXX. During the purchase of the XXXX I decided to include the extended warranty which was a terrible idea. XXXX purchasing XXXX XXXX XXXX on the details of the extended warranty. Please keep in mind I arrived to the dealership sometime after XXXX from a XXXX XXXX XXXX and leaving after XXXX. Included in XXXX XXXX was my XXXX little children XXXX and XXXX and my XXXX brother. So I was so ready to get back home. Anyhow the next day I called to inquire about the Extended warranty through XXXX XXXX and spoke with XXXX XXXX ( Sales Professional ). He states that In order for the car to be serviced I would have to return it to the dealership XXXX used cars that's located again XXXX hours away from where I reside. When I stated that I immediately requested that the Extended Warranty be canceled. He told me he would send me cancelation documents through the mail. I received the documents through XXXX on XX/XX/XXXX and returned the documents completed on XX/XX/XXXX. I have since tried to have my loan reimbursed the addition {$4000.00} by reaching out to XXXX XXXX XXXX which has now closed but again XXXX XXXX owned them so I try to speak with them but they hang up on me. I have spoken with XXXX XXXX twice. First time she states she would call me back with in XXXX minutes in which she didn't. So after a week I called the dealership back and spoke with a representative and informed her to inform XXXX that if she didn't contact me immediately I was going to report the place of business to the XXXX XXXX XXXX XXXX XXXX. I have submitted a complaint to them as well due to XXXX stating to me that she no longer has access to my account. I don't believe she did a thorough investigation in regards to this matter. I was also had a case open with Wells Fargo so they could Investigate this matter unfortunately they closed stating to try to resolve the issue through the Extended Warranty company XXXX XXXX. On XX/XX/XXXX I called Wells Fargo to open a new case due to them doing nothing the first time and Wells Fargo is who holds my {$4000.00} because the are the ones who gave me the loan and who I'm paying back. The Extended warranty should have been canceled years ago. I shouldn't be going through this XXXX years later. I'm very disappointed in all parties. I have been paying for all of my vehicle repairs because the extended warranty should have been cancled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I transferred a balance to HSBC to take advantage of a 0 % offer for 12 months on a balance transfer. I set up auto-pay on the HSBC website. I verified my first payment went through without an issue in XX/XX/XXXX. After receiving no letters, emails, calls, texts, or other notices from the company I received an email from XXXX  in XX/XX/XXXX telling me I had a 30 day late payment reported on an a credit card account. After reviewing accounts I realized I was unable to log in and review my HSBC account details and my auto pay details. I called HSBC to see what happened. They took no responsibility for the fact that the auto pay system failed, they also took no responsibility for not even telling me in any form or notice that I was late at all, however, they did agreed to credit me back the late fee, nonetheless that was a minuscule consolation considering the company was damaging my hard earned credit history. After several more communications with HSBC and numerous hours on the phone I realized they were not going to assist me with removing this 30 day notice because they claimed there was no bank error. But, in fact, there was a bank error and even worse zero communication from them about my auto pay not going through or that I was even late at all. It took over 30 days after that payment was due before I finally received a letter from them in late XX/XX/XXXX saying my account had been closed and I could no longer make payments online. I must say, I have worked with many financial companies and I rigorously keep track of my payments and credit score. The service and attention I have received as a customer from HSBC has been appalling and I hope that by filing this complaint HSBC tries harder and modernizes and corrects their auto pay system, establish safe guards and warnings to customers when payments are not received on time, and establish a clear protocol to assist customers in removing bank error late payments that show up on customers credit reports due to HSBCs failure to communicate adequately or assist their customers. I have not had a late payment on any debt for over 8 years and it is very frustrating to work so diligently to establish an XXXX score only to have it dismantled by a poorly run financial company like HSBC, now my score is in the mid 600s. Please note I am still paying this card and do expect it to be fully paid by the end of the 0 % promotional period. I hope the CFPB can assist me with this matter so not only I, but other customers of HSBC do not get fleeced in this manner in the future. If I were preparing to buy a car or take out a home mortgage this could have had huge financial implications for me, so for now I am sidelined from making any significant purchase with credit like a car or home until this matter gets resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, My wife and I are so pleased that XXXX XXXX is now the Director of the CFPB. XXXX was a great Congressman for us in South Carolina and we know he will work hard to ensure the American People 's business is not compromised by these reporting companies that report so much inaccurate information on consumers. Our Credit Statements are terribly inaccurate! We have been trying to reach the credit reporting agencies to dispute the large number of inquiries that we didn't do with NO success as well as understand the many delinquent accounts on our credit that we know nothing about. All of our credit cards are up to date and our payment histories. This is having a huge barrier on our ability to purchase another home. PLEASE HELP!
Product: Checking or savings account

Pay check was deposited to account and showing. When making transactions with debit card I was charged over draft fees. Bank stated it was because funds were not fully posted and processed. This cause bills to also accrue late fees as I stated getting money orders that cost more money.
Product: Credit card or prepaid card

I received an alert from XXXX that my credit had been pulled for three separate credit card companies : XXXX, Capital One, and XXXX  XXXX XXXX. 
I have not applied for any credit cards at any of these companies. 

XXXX and XXXX  XXXX XXXX were incredibly helpful and submitted a fraud claim and denied the fraudulent application. 
Capital One on the other hand was extremely unhelpful. I was told that with out account information, of which I do not have because I do not have an account and did not apply for one, they could not help me. I was refused to be transferred to their fraud department to try to deal with this matter on my own and have the application denied.
Product: Credit reporting or other personal consumer reports

My identity was stolen through the XXXX data breach and I have things on my credit that I did not approve
Product: Credit card or prepaid card

This is my second CFPB complaint regarding this issue. I opened an AmEx gold card on XX/XX/2021 with a {$250.00} restaurant credit promo ( which I received ) and XXXX membership rewards points after {$4000.00} spend. It has been nearly six months since I reached the spend and have yet to receive my points. I have called and messaged several times, each time being told to wait an additional XXXX weeks for the points to post. 

The response to my last CFPB complaint regarding this indicated I would receive separate communication which has not happened.
Product: Checking or savings account

We closed  a Child 's Savings  account in  XX/XX/XXXX .  M & T c ontinued to charge the account.   My daughter and I went in together in  XX/XX/XXXX .   We are now receiving statements with a negative balance.   We seem unable to close this account even though we went in numerous times in an effort to do so.
Product: Checking or savings account

i recently received a check for my rent from back when XXXX was around it took many years to get it but i signed it over to my landlord for my back rent but when she deposited it to her account the bank thought it was fraud no matter what we do they dont beleave us i had to get a new phone in my name but that doesnt work cause its not linked to my name we dont know what else to do. my landlord needs her money
Product: Credit reporting or other personal consumer reports

I received an updated credit report on XXXX. Upon reviewing my report I found some negative and inaccurate information on my credit report. I sent multiple letters off on XX/XX/2023 asking for these accounts and my report to be investigated and updated via certified letters and after 90 days they still had not removed or updated the accounts. I then sent out more letters in XXXX, asking for a re-investigation and for inaccurate and unverified accounts to be removed. I don't know if the credit bureaus are working on their jobs, or just blatantly refusing to obey the FCRA, but this is a complete violation of my rights as a consumer. I am by law entitled to a complete and accurate consumer report, and ALL information on my credit report MUST be COMPLETE & ACCURATE. After receiving a new and updated report, I noticed that most of my information is a complete violation of 15 USC 1681 and the credit bureaus have not followed the procedures required by law. I would like this information removed from my credit report immediately. It's clear the investigation took longer than 90 days, or never took place at all. I just want to know how these accounts are verified, updated or accurate if the information is still showing up this way. Please resolve this issue for me. 

Tracking Numbers : 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

In XXXX of this year, I saw where I had a couple of medical collections on my credit report. One for {$170.00} and one for {$200.00}. Both of these collections were with the same collection agency called XXXX. I called in XXXX and I paid both of these accounts even though I had no idea they ever existed. In the beginning of XXXX of this year, I noticed these two collections along with another collection for {$470.00} suddenly reported with a new collection agency named Ability Recovery Services. Myself and my wife have called Ability Recovery and we've provided proof that the collections have been paid. This was done almost 2 weeks ago. When I first sent in the letter to show the account was paid in full, they responded asking me for the account number even though the account number from the original creditor was on the letter showing the account was paid in full. At that time I didn't have the full account number for Ability Recovery because it was listed on XXXX XXXX and XXXX XXXX doesn't show the account numbers. My wife called everyday last week asking if they could escalate this because we are in the middle of trying to purchase a home and these collections suddenly reporting have caused scores to drop. Noone at this company was helpful or attempted to escalate the problem for a quicker resolution but instead told my husband on yesterday that it would take another 60 days for a resolution. We do not have 60 days and this is not our error. We paid these accounts as soon as we knew they existed and they should've never made it into Ability Recovery office. With the way the interest rates are rising, we don't have 60 days to wait for them to take their sweet time investigating information. There is nothing to investigate. I clearly sent them a receipt showing the accounts had been paid in XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party. The following credit reporting agencies are taking advantage of me, and as a result I am continuously being denied credit. Experian, XXXX, XXXX and XXXX XXXX. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted trom an alleded identiv then. not ater than & ousiness davs ater the date on receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subs
ection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

Applied for a US Bank credit card, co-branded with XXXX XXXX a few weeks ago. Just got the card a week ago and now they are stripping the most valuable benefit from this card. The benefit ( a free night on any reservation ) is still on their website and advertized to people who sign up. I find this extremely unethical and dishonest. All they offered to do is close the card, but my credit report has already been pulled and is now worse than it was before opening this card. In addition, while talking to them, their agents constantly lie and evade questions.
Product: Student loan

I was told that after XXXX on time consecutive payments, my co-signer would be released from my loan. I made the XXXX on time consecutive payments but my aunt was not removed as my co-signer. They told me that she could not be removed because it was based on my credit at the time. I asked them to provide me with a copy of the promissory note showing this information. They have not yet provided me with a copy of the promissory note and that was approximately XXXX years ago that it was requested. I need someone to help me because I am unable to get anything done with this loan servicer. This is just XXXX of the many problems I have ran into with them. I need help with many other things but thought I would start with the most important. I need my aunt removed as my co-signer like they stipulated in my promissory note.
Product: Student loan

I was contacted by a 3rd party debt collector that was harrasing me for a debt from Navient. The were leaving personal information in voicemails to me and my family along with multiple calls a day. When I hung up on the caller, she called back and said, " you hung up on me? '' They were hired by Navient. I contacted Navient in XX/XX/XXXX to dispute the account and get more information. I faxed over the Bankrupcty Discharge paperwork as requested. To this date, it still apears on my credit report and is stopping me from getting a mortgage loan.
Product: Checking or savings account

I am a XXXX XXXX and victim of identity fraud. In XXXX my employer informed me that someone collected unemployment in my name. As a result I enrolled in Identity Protection. I have had several XXXX XXXX cards opened in my name as well as a Wells Fargo account. Both banks would not provide contact information on the account and provided limited assistance. I requested a Security Freeze through XXXX XXXX on XXXX. It took a month for Wells Fargo to close this account. Ironically, this week on Thursday XXXX I was again informed by identity protection that someone was again opening three different bank accounts in my name.