23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Earlier this year I had fallen behind on my lease payments with VW Credit. As of XX/XX/XXXX the total balance on my bill that I had owed them was XXXX. I made a payment of {$700.00} on XX/XX/XXXX. I made another {$700.00} payment on XX/XX/XXXX. My statement due for XX/XX/XXXX showed I had a remaining {$690.00} to pay. I paid the full amount on XXXX. My XX/XX/XXXX statement showed I had a XXXX balance and my next payment was due XX/XX/XXXX which would be XXXX. Today I checked my account and it is showing that I now owe {$860.00}. The additional money they are tacking on is {$210.00} personal property tax and a late charge of XXXX. I do n't know how I could have a late fee due or a personal property tax amount due if I had paid in full and my account was showing a XXXX balance due for XX/XX/XXXX. I do n't believe VW credit is being honest with me on this.
Product: Debt collection

Avant is or was reporting to credit bureaus an amount of around {$6800.00} plus interest accrued on a loan I applied for, did not receive, funds were deposited into an account which is not mine, incorrectly. Avant claims to have charged off the balance after letting interest add up and reporting it for several years to major credit bureaus. It appears Avant used this tactic, letting interest add up and report account to bureaus, as a way to attempt to collect on it.. If charged off, the account needs to be removed from credit bureaus. I have not been able to confirm removal from credit reporting to date, however, as stated in prior CFPB complaint, the loan was applied for electronically and Avant has little to no proof I owe such debt and needs to be removed from credit reporting if in fact reported.. Their rep seems to imply I need to make payments by providing their payment information, in which case, no payments will be made as loan was not received and has been charged off.
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 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
Product: Payday loan

In XX/XX/2013 I took a loan from Western Sky. The interest rate I was offered was different once the loan was deposited to my account.  Immediately I contacted Western Sky who informed me that the loan was sold to XXXX. Later I took the dispute to XXXX who at the time couldn't resolved my issue. Ultimately, this illegal loan was sent to a collection agency by the name of Delbert Services. Delbert is currently reporting a charge off on my credit report. I have disputed by concerns with Delbert many time and they refuse to remove the Western Sky XXXX from my credit.  At present Delbert is still reporting, yet claim they have sold the loan XXXX (unable to locate this company).  This is an illegal loan, and Delbert refuses to remove this Western Sky loan from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, National Credit Adjusters add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. XXXX creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, National Credit Adjusters has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. Despite repeated attempts to dispute and remove these items, they persist, causing significant damage to my creditworthiness and financial standing. 

I have submitted multiple disputes and provided extensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report.

It is imperative that immediate action is taken to thoroughly investigate these fraudulent items and remove them from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity.

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

Around XXXX XXXX, 2023, I reached out to my then loan servicer, XXXX XXXX, seeking relief. My XXXX finalized on XXXX XXXX, 2023, and I was at risk of falling behind on mortgage payments. Initially, XXXX XXXX  approved a forbearance plan over the phone and informed me that a plan details would be received in the mail. Instead, I received an invitation to apply for mortgage relief around XXXX XXXX, 2023. I promptly called XXXX XXXX  requesting an explanation. They denied ever approving a XXXX, told me I was not eligible, and that I can apply for relief on their website. I applied on the website that night, to include all required documents. I also sent all required documents to the email address on the application form. 


XXXX denied receiving all required documents in its entirety and my application for relief was placed in a " review '' status. I called to ask what documents I failed to send them, and they simply stated " other documents ''. I again sent them already submitted documents via email and through their online portal. During this time I kept the monthly payments in reserve while I struggled to meet my other obligations from my XXXX XXXX XXXX. Each week I called to check on the status of my application and to learn about the ramifications of missing payments while my application was pending. 

XXXX informed me that no negative reporting would occur until XXXX  days past due. Shortly before the XXXX  day mark I called XXXX again to inquire about the status of my relief application. The status was still under review. I logged into the website to settle the outstanding balance, but I was blocked from making any payments. I called XXXX to make a payment over the phone, but was told that I am blocked from making payments. A representative went so far as to tell me to not make any payments as that would negate the need for the relief I was seeking. 

After XXXX  days, XXXX sold my mortgage to another loan servicer, XXXX XXXX, and approved " relief '' with terms nearly double my current schedule. I applied for short term payment deferment, as offered on XXXX 's application. I was instead offered an untenable loan adjustment after XXXX destroyed my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX  XX/XX/XXXX now
Product: Checking or savings account

As a victim of identity theft I was diligent and reporting and acting immediately upon discovering that my information have been compromised due to the employment security department.I was contacted both by email and phone in regards to this event and after enrolling in do credit monitoring and repairing service provided to me for the next year bye the employment security department do to this breach and the knowledge of my information being used fraudulently, I was able to find the extent of which my identity had been used and the damage that had been done. I have made sure to follow all guidelines and regulations in place on my end as a victim of identity theft. When I called my Navy Federal credit Union account services to report that I was a victim of identity theft and that my accounts had been compromised, the only thing they went above and beyond in, was making XXXX understood they were not going to help me and there was nothing I could do to fight it. I am currently waiting for XXXX XXXX XXXX and and admitted to the hospital for long periods of time every so often over the last year or so. Due to these absences it was easy for me to overlook the effect of my identity theft and until I actively investigated this I was unaware of how bad it was. I submitted documentation to Navy Federal showing that it would have been physically impossible for me to have been the person completing these transactions via ATM and debit transactions in store. I also submitted documentation showing them that I was a victim of identity theft and that my other accounts have been compromised and resolved due to that. Navy Federal was actually one of my largest concerns because I lost every XXXX I had to survive once I got out of the hospital. To this day I haven't received any compensation and have stuff for the consequences. I have been told that I am responsible for the actions of whoever fraudulently use my account. I am liable for the loss of all my money. they also have put my account on a secure access and made it impossible for me to use this account and now I'm unable to obtain another bank account to receive funds. I'm not sure why they have made it so difficult or why they are being so hard on me when I have done nothing but provide them rock hard evidence and proof that is literally undeniable. If any outside person was to look at this case and the supporting documents they would probably be dumbfounded that Navy Federal was acting as they were. I really need help gaining access to my funds immediately because as I said this account although only one of the many accounts that was compromised or created using my identity, it was the only account I had that had my entire savings and all funding went to this account. Now I am not only without a XXXX to live on but not capable of receiving funds because of account limitations put on me to punish me as well? I need help at least getting my money back if anything but would appreciate this lock put on me to be removed as this was no fault of my own.
Product: Debt collection

This has began to be a problem. I am in an XXXX XXXX and XXXX XXXX XXXX XXXX, they call me. I was not sure, what type of company they were, and their shady practices are questionable. I thought it was a transportation company. I called back and asked, what kind of company they were. I thought it was my counselor from the Veterans ' Affairs, but it was this company called Transworld. Upon calling back, they refuse to give me any information about their business, but as the have called my number they are asking to give them my personal information. What kind of business calls and asks the person who calls back for personal information, but attempts to put the caller to coerce to obtain information from them without telling them what kind of business they are? I am assuming it is a collection agency- the person on the phone said to me : " If you tell me your name, I can look you up, then I can tell you what this is about ''. Me asking him again and again, what kind of business it is, because I simply would like to know, there are tons of scammers out there, who are attempting to scam XXXX XXXX. It was absolutely unnecessary and rude not to give me their information, as I do not know, who these people are and they call me from different numbers. They are called Transworld, so I have not looked them up yet, I am not sure, why they keep on calling during my work hours, which is me being in school on my phone and refuse to give me their name of their business nature or the nature of their call. I do not have a problem communication over my phone, but I do have a problem, that these people call me and refuse to identify themselves, when I call them back. I was in a meeting today, and they called me again! I am unable to answer the phone during meetings, but they called me up to three times a day. 
This feels like a form of extortion, trying to coerce the caller to give out information. I do not volunteer such information, they have called me to begin with and need to tell me the nature of their business. 
I just want them to stop calling me, as they refuse to tell me who they are and are coercive trying to extract information. Even though I blocked their phone numbers, they find a way around it, to call me. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft with XXXX  XXXX. I went to go check my consumer report and saw there was a late payment with an account thats on my credit profile that doesn't belong to me. That account is with XXXX  XXXX as a credit card titled XXXX XXXX REWARDS FROM XXXX  XXXX with a balance of {$4800.00}. This card does not belong to me and is fraudulent. I submitted my FTC REPORT on XX/XX/2023 and sent out to TRANSUNION, XXXX AND XXXX ON THE SAME DAY, it is XX/XX/XXXX today and I have yet to hear back from TRANSUNION, XXXX AND XXXX. This fraudulent account is causing me financial injury as I try to keep up with my consumer report and I have been denied getting a home loan.
Product: Credit card

I have proof in phone records that USAA collection department called me less than 5 minutes apart about a credit card payment due. The two that I spoke with stated that I was 33 days late. I was only 10 days late. I 'm very disappointed is the call. Usaa is suppose to be a good bank for military.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, XX/XX/2015 I cosigned for a car loan for my mother. She had the car for over a year and could not keep up with the car payments and therefore returned the car back to the dealership. This car loan is continually showing up on my credit report as ( closed ) but It is also showing up every month as if we are missing payments and it appears as if the loan amount continues to go up. My problem is that this should no longer show up on my credit report and needs to be removed as the car has been voluntarily returned to the dealership and we owe nothing as of this day. This is continuing to hurt my credit scores payment history and derogatory marks section and I need this to be removed as this situation has already been taken care of. 

Also, the issue I am having with XXXX XXXX XXXX is the same issue. I voluntarily gave the car back and they continue to call me a ding my credit for a car I returned. Not only did the dealership receive my car but I signed a voluntary repossession form and gave it back to them. This should no longer report on my credit score as delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account that was in collection on my credit report with Transunion, with a notarized Affidavit for account validation. Which was sent via certified mail on XX/XX/2023. On XX/XX/2023 my disputes were verified as accurate. But in my dispute letter I demanded physical documents with my signature or any legally binding instruments that can prove my connection to these erroneous entries. And they were unable to do so. So by law if they are unable to responsibly investigate and provide proof, these erroneous items should be removed. Account name is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

AAG paid HOA expedite fee of {$150.00}, just to save couple of days there is no reason to pay this fee since the loan process took 8 weeks and they needed to wait for other documents. 
Other than that. nothing in my signed application authorized AAG to pay unnecessary fees. 

I need them to reimburse me {$150.00}
Product: Checking or savings account

On XXXX XXXX I clicked on the " XXXX '' in my XXXX list. I got a message on my screen that stated " possible fraud '' call XXXX. Over the XXXX  years that I had my Citibank accounts have seen that pop-up message XXXX  times. I called the number and the call was answered and stated " Citibank Security, XXXX ''. XXXX stated that he needed to check my accounts due to the possible fraud. Naturally, I thought I was talking to the real Citibank Security and I gave him my access code to my accounts. After XXXX  days, I realized something was wrong. By then the damage was done. My Savings account of {$300000.00} was stolen. I called the real Citibank to report the issue. The Citibank Fraud Department worked the issue. On XXXX XXXX I started receiving letters from the Citibank Fraud Department stating my claims to get my money back were denied. As of this date, XXXX XXXX, they are still denying my claims. I talked to a Lawer and was given the info for CFPB. The Lawer also stated that Citibank had to have Security issues that caused the fraudulent phone to be displayed when I clicked on the XXXX web site.
Product: Credit reporting or other personal consumer reports

I currently have some fraudulent inquiries appearing on my credit report I have attached support and documentation 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