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

Today on XX/XX/2023, I contacted Aidvantage by phone XXXX. The XXXX  time I contacted them, I was hung up on as soon as I brought up the fact that I did not give Aidvantage or Department of Education clear and concise, written permissible purpose to furnish my financial information to XXXX, XXXX or XXXX. These institutions are in clear violation of several federal laws including Consumer Financial Information Rule of the Gramm-Leach-Bliley Act via the Federal Trade Commission. 

The second phone call I was told by Aidvantage that XXXX  XXXX or Department of Education gave Aidvantage permission to furnish XXXX accounts on my consumer report. I asked to excercise my right to opt out of my private information being reported and was placed on hold for an extensive period of time. This is also another federal law that these institutions have not complied with and are in clear violation. Please see 15 U.S. Code 6802 ( b ). XXXX  or both of these financial institutions are conspiring to commit identity theft against me.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC was send at XX/XX/XXXX by Certified Mail # XXXX XXXX XXXX XXXX XXXX and Domestic Return Receipt XXXX XXXX XXXX XXXX XXXX XXXX. The Domestic Return Receipt shows they receive the package XX/XX/XXXX. Equifax does not have my written consent to report these inquiries. Furthermore I DO NOT give Equifax permission to report the hard inquiries. Per XXXX XXXX XXXX XXXX purpose of consumer reports ( XXXX ) in accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. Since Equifax does not have my written consent, they by definition have committed IDENTITY THEFT. XXXX XXXX XXXX Definitions ( h ) Identity Theft means a fraud committed or attempted using the identifying information of another person without authority. That being said, all information resulting from identity theft must be BLOCKED according to XXXX XXXX XXXX.
Product: Credit reporting

On XXXX XXXX, I sent a letter Equifax asking them to investigate errors on my credit report. Thirty days have passed, and I did not receive a response. I started writing Equifax follow-up letters asking for the results of my investigations, but I still have not received a response. It has been almost 3 months now, since my original letter.
Product: Checking or savings account

On XX/XX/XXXX, someone posed as me and withdrew {$800.00} from my joint account with my wife at Bank of America ( {$400.00} from checking account and {$400.00} from saving account ) at a local BoA branch. Prior to this, around the end of XX/XX/XXXX, I realized I was a victim of identity theft, so I already alerted all my banks and credit card companies of a potential fraud against me. As a precaution, my wife even opened a new account and transferred most of the money out and just left a small balance for bill payments. I have filed several police reports with our XXXX XXXX XXXX and also with the Federal Trade Commission. 

As soon as we knew of these two unauthorized transactions, we submitted two claims with BoA. One was resolved on XX/XX/XXXX and we got the {$400.00} refund back, but the other {$400.00} claim was denied. We found out the denial when we called BoA check fraud department on XX/XX/XXXX, and they said they have the video footage to deny our claim. Then on XX/XX/XXXX, we got the denial letter claiming that I authorized this illegal transaction and that I benefited from the funds. I want to make a complaint against BoA for the following reasons : 1. I timely alerted BoA and even set up a verbal password. Did all precaution to protect my finances by transferring the cash out from the joint account as soon as the identity theft came to my attention.

2. I still have in my possession all my IDs or bank cards, so if BoA did the right thing, especially when I already requested BoA to put an alert on my account, they must scan the ID, must request the PIN and the bank card. I believe BoA did none of these because if they did they would have found out these documents are fake.

3. The baseless and irresponsible denial of my case and their claiming that it was me are equivalent to defamation of my character. Since I'm with my patients throughout the day, people can vouch for me that I wasn't at the bank at all. By concluding that I was the one on the video, it clearly shows BoA is very irresponsible and hasn't done their due diligence. I have requested that they share with me that video footage, but I haven't received any responses.

4. While the two unauthorized transactions occurred on the same day, at the same location and same time, they honored one but denied the other. This just proves they haven't done their research, or their research ( if any ) is baseless.
Product: Student loan

I have been on track with PSLF payments since XXXX under an income driven repayment plan with federal loans. My last ECF was submitted on XX/XX/XXXX and as of then I was on track with 56 qualifying payments on all of my loans with 64 payments remaining. Out of the blue, I receive a message in my inbox saying " Payment Tracking Starts Now '' which is what you receive after they process a new ECF for you. However, I had not sent in another ECF since XXXX. When I opened it up, my qualifying payments had been REDUCED from XXXX to XXXX adding 4 years to my loan payments. This is egregious. I called the company and the rep said he could see my payments and they were qualified but he had no idea why this would happen. He was submitting for review which could take 60 days before I hear back. This seems to be a common practice with this company ; for no reason at all my qualifying payments were recalculated out of thin air and they tried to rob me of close to 4 years of payments. I have already had one complaint with this company because they miscalculated my payments. Now it has happened again and is much worse. This is unacceptable. I have attached the last direct debit bill I have for XXXX showing the 56 qualifying payments for PSLF on all my loans. I have also attached the incorrect " surprise '' recalculation of my payments dated XX/XX/XXXX. 

I am resubmitting due to mistake with previous complaint 's attachments.
Product: Credit card

I don't really don't remember when I called I do know it was either at the end of XXXX or beginning of XXXXThe representative told me my account was close and no way to open it backup and was still trying to make me, make a payment. i did not closed the account at all but I am currently making payments. I have been a member of Wells Fargo for over XXXX XXXX my account has always been in good standing and i just fell on hard times due to lack of hours and prices has risen. I was not getting my emails for the account or calls to let me know my account was being close or how to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Original Creditor : Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I moved out of three palms apartments and paid my move out fees with a cashiers check. Due to bad record keeping they did not update the account. 

In XX/XX/XXXX I received a notice, from XXXX stating that I did not pay the debt. 

I contested this debt with Experian, XXXX and XXXX who all determined it was invalid. 

XX/XX/XXXX. I apply for an apartment and I am denied because this is on my " Experian Rent Bureau Report. '' I challenged it with Experian Rent Bureau who said they will not remove it because XXXX claims they did not receive payment. I asked their customer service agent about the proof i submitted and they stated that they only forward it to the reporting agency. Even with proof Experian Rent Bureau does not remove incorrect or false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

USDA rural housing development home loan mortgage was paid off XXXX of XXXX. Account number XXXX. USDA cashed the check in XXXXXXXX XXXX  XXXX for {$120000.00}. I never received signed payoff title. I worked with a title agency. 
For property located at : XXXX XXXX XXXX XXXXXXXX KY XXXX. 
Our File No. XXXX contact person is : XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX a check for over {$20000.00} and realtors were paid. The payoff was provided by the USDA. For the last 2 years and 10 months, I have contacted the company. The company continues to report to all 3 credit bureaus that a house payment has not been made since XXXX of XXXX, ruining my ability to buy another home for my family of XXXX. I am also unable to rent an apartment due to my credit score. My husband and XXXX young children have been " homeless '' for almost 3 years due to the company incompetency. In XXXXXXXX XXXX XXXX, the company reported additional charges for " foreclosure '' fees over $ XXXX on all 3 credit bureaus. I have disputed with every credit bureau each time. It'll fall off my credit report then only to reappear again. 
I've spoken with XXXX, XXXX XXXX and XXXX in the foreclosure department, each informed me that this is their mistake, and the letter will be mailed, and everything will be ok. The USDA failed to apply the payment to my account due to XXXX and " working from home '' until XX/XX/XXXX. That is how they calculated the " foreclosure fees '' based on paid off in XXXX and hence the reason the company states it is their error and not a valid charge. I have spent countless hours on the phone only to be told, it's taken care of, and I never receive the letter. I can not get anyone that can help me on the phone and have to wait for call backs from the foreclosure department. I've asked to speak to manager only to be called and told, the manager on the phone can't send me the letter but " XXXX XXXX '' will call me and can email or mail me the title payoff letter. I have never received a call or letter from XXXX XXXX. Then the phone call process starts over again. I have reached out to a real estate attorney, and they confirm, there has never been a lien or foreclosure against my previous home XXXX XXXX XXXX XXXX, KY XXXX. I have contacted the USDA, FRCA, XXXX, XXXX, Equifax, XXXX, and the state attorney general ( s ) for Kentucky and Missouri to no resolution.
Product: Debt collection

All constitutional rights invoked none waived. I XXXX XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2018. During this consumer credit transaction a finance charge was involved. 15 USC defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but XXXX XXXX XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX charged me insurance seperately. XXXX XXXX XXXX XXXX willfully and knowingly failed to provide/ disclose information under the provisions of 15 USC 1601. All documents have been sent to XXXX  XXXX XXXX XXXX and a copy has been sent to Consumer Financial Protection Bureau. All documents sent by mail have been notarized and signed by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX Opened XX/XX/XXXX for XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX for {$820.00}, Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
In accordance with the Fair Credit Reporting act XXXX ACCT, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX OH, XXXX In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX In accordance with the Fair Credit Reporting act XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have addresses on my credit profile that do not belong to me and I would like them removed ASAP. The only address that should be reflected on my credit profiles is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal lawbut no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
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

I SENT PROFESSIONAL CREDIT MANY OF DISPUTES TO PROVIDE ME PROOF OF ALLEGED DEBT, ITS BEEN OVER 6 MONTHS, AND THEY HAVE YET TO PROVIDE ME ANY PROOF OF PAID DEBT, THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Called company daily beginning XX/XX/XXXX  through XX/XX/XXXX  and formally requested, in accordance with the Texas Freedom of Information Act, that copies of all information and data regarding my vehicle loan be sent to my current address. This was to include their reason for their decision to restrict my online access since XX/XX/. They have refused to do so. Also request copies verifying all payments made, interest paid, principal owed, and the documentation verifying the current status of the account. Subsequent request were made again in XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX refuses to comply with my request. The last request for this documentation was made in mid XXXX. The current account status on my XXXX Credit report shows the account is CLOSED and that it has been CHARGED OFF and WRITTEN OFF. It also shows the payment status as Late for XXXX among other months. However when I call to XXXX XXXX XXXX XXXX they state the account is CURRENT and OPEN. I have ask them to CORRECT the errors on my credit report and filed several disputes with each of Credit reporting agencies ( XXXX, XXXX, and TransUnion ) however my disputes are denied saying the investigation finds the information valid and accurate ( paraphrasing ). 1. Please allow me online access again since it has been 180 days since my request was made and it still remains ignored. 2. correct the credit report ( all 3 ) to reflect as OPEN and as current and due to the fact the payment history is filed with inaccuracies and due to the fact XXXX XXXX refuses to provide me with updates regarding my balance, confirmation of payments, etc I ask that the Credit report shall reflect no late payments or delinquencies. I request this due to the illegal, and egregious and retaliatory manner in which XXXX XXXX XXXX XXXX has administered my loan.
Product: Debt collection

I signed up for a financing company to finance engine work done to my car. When i was signing up i was told that the have a 90 day pay off before they apply interest rates. I was also told that it would be 21 % after i signed up. I made 4 months of payments and on the day of XXXX XXXX 2017 i was informed that i have a 199 % interest rate which i never agreed on or signed up for. I was never informed or it was never documented that i would have that interest rate.
Product: Credit card or prepaid card

Dear Citibank, I am writing to dispute and seek the discharge of my credit card debt with your institution. As I have been researching my legal options in regards to my debt, I have come across a legislative act that may provide me with the means to discharge my debt entirely. The act is known as HJR 192.

HJR 192 is a joint resolution that was passed by the U.S. Congress on XXXX XXXX XXXX. This resolution was put in place as a response to the economic turmoil of the Great Depression and sought to address issues of debt and inflation. The resolution was intended to provide a way for individuals to discharge their debts without using traditional forms of currency, such as gold or silver. 
Under HJR 192, all obligations, including debts, were to be discharged by the government. This meant that individuals were no longer required to pay their debts with traditional forms of currency. Instead, the government would provide a way for debts to be discharged using a new form of currency known as " United States notes. '' Although HJR 192 was ultimately repealed in XXXX, its provisions remain relevant to this day. Many people have successfully used HJR 192 to discharge their debts, including credit card debt. By doing so, they were able to free themselves from the burden of debt and start anew. 

Thank you for your consideration in this matter. 
Sincerely,
Product: Credit card

Hello. I had a secure credit card with XXXX. I attempted to close my account more than once and learned that it hadnt been closed and when I paid the balance and asked for it to be closed it continued to accrue interest and late fees now totaling {$260.00}. CSR I spoke with didnt close my account as requested. I paid the balance of {$270.00} on XXXX XXXX and asked them to close my account. I spoke to a Supervisor, XXXX on XXXX XXXX and asked them to clear the late fees and interest accrued after I requested the account be closed. I was told they could take off {$41.00}! I told them that was unacceptable and now I am filing a complaint with the CFPB to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation. 
Thank you.
Product: Vehicle loan or lease

I purchased the vehicle in XXXX at a price of approximately {$22000.00}. I filed XXXX XXXX in XXXX but continue to pay payments through the courts. My Bankruptcy has been discharged effective XX/XX/XXXX, and they have received more than {$40.00}, XXXX in payments from me. This vehicle has been paid in full but yet they refuse to give me my title. This is a clear case of Predatory Lending. What would justify them keeping a title on a vehicle they have been paid almost double their monies back on?