23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whomever that was over my case purposely deleted everything that was good on my credit report and left everything derogatory at the worst time when I'm trying to purchase a home after having a XXXX  XX/XX/2020. 

I asked that a Bankruptcy of 9 1/2 Years Ago & a 18 Year Old Child Support be validated and removed. I spoke with the The Local Bankruptcy Court & The Friend of the Court. They Stated that they do not report to the Credit Repair Agencies and  they both recommend that I dispute the errors. I asked That Experian explained how did they Verify these. 

I also have a Derogatory from XXXX XXXX who's debt I've settled with the courts. I called & explained my situation They asked me to dispute the matter which I did and it also still remains. 

I also asked they validate several old lates that I had in question with my XXXX Balance Credit card Companies of 8 & 5 Years and both of those where Deleted resulting in a 45 Point Drop. The Same was asked of with several lates on my Vehicles with XXXX XXXX XXXX. 

This credit nightmare was just made worse by someone who completely dropped the ball at Experian. I am completely outraged over this lack of efficiency. If we can't count on the reporting agencies to fix errors then who???
Product: Debt collection

I dont owe any collection company. I dont have a signed contact with any company. I request company to delete collection off my credit report asap p
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX EXPERIAN VIOLATONS Fair Credit Billing Act FTC VIOLATIONS
Product: Credit reporting or other personal consumer reports

The following companies have violated my US rights and privileges/USC Title 42 and have created an illegal debt against my financial good standing. They denied me the opportunity to receive the financial extensions my US credit account qualified for and charged credits from my US credit account with no benefit to me. The spending limit of XXXX credits has been reduced to XXXX due to the excessive abuse and misuse of my credit information. They have charged my XXXX credit account month after month by criminally abusing a financial validation feature, hard-inquiring ( which are only for finance account creation/not for credit checking ) for the same financial extension, yet when I called these companies, they relayed to me that I didn't even have an account opened with them. This is criminal to charge me for a loan, turn me away with no gain, misuse my information, and charge me off record for financial extensions and services I have no account for. 

I demand that the following companies are charged with malpractice for this criminal abuse of my personal information and return my credits to the balance of XXXX credits. They can either compensate these losses by financing the accounts in the amounts that are associated with the debts on my US credit account then close the account with a " paid '' account closure or by providing a written statement or notary letter to the CFPB stating that my XXXX credit account has been credited in the amount associated with the debts of my credits and that my account is either " paid '' or in " good standing '' : Ally Financial, ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX ( ongoing ) XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ( ongoing ) XXXX XXXX, ( XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX  XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX  XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX XXXX ongoing )
Product: Checking or savings account

I 've called Chase bank on X/XX/17 to find the reason why they 've decided to close my account. I was told that they ca n't disclose that information with me. I asked for a written explaination mailed to me and I was denied of having that information obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally I contacted XXXX XXXX on XX/XX/2021 with an Cease and Desist for them to stop violating my consumer rights, by posting late payments on my credit report, sending me bills witch are in a positve balance and using deceptive means to make me believe I owe a debt. They were harrassing me and causing me mental stress. XXXX XXXX responded by closing my account and illegally reporting negatively to the consumer reporting agencies. I also sent them an XXXX  of Truth with my Exhibits on XXXX. They never repsonded to my XXXX with an XXXX  which now puts them in Default. On XXXX I sent them a XXXX XXXX  with Exhibits and an invoice for federally violated consumer rights. Im demanding that they give me my specified remedy and pay my invoice. I will follow up with litigation.
Product: Student loan

Hi! 
My loans transferred from Fedloan to Mohela in XXXX. The employment certification form that I submitted was approved under the XX/XX/2022 waiver. However, Mohela has not added the 3 months in towards my qualifying payments. 
I first called and spoke with a representative on XX/XX/XXXX and he said that he input the request for those 3 months to be added and to give it 3 to 5 business days. I checked in and didn't see that added to qualifying payments. 

I spoke with another representative on XXXX, XXXX, a PLSF loan advocate ( supervisor of customer service representative ) and see put in a formal request to have those 3 months added in and give it 10 business days. The formal request was being " processed '' but it said " duplicate form '' However, it has been more than that and I have not seen those 3 months added in. 
I am requesting that those 3 months be added in in a timely manner. 
Please advise on how to proceed. 
Thank you for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXL Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

XX/XX/XXXX o I purchased a used XXXX XXXX XXXX from XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX ) o I had a trade-in vehicle which was a lease from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). Vehicle was a XXXX XXXX XXXX o My lease had approximately 5 months remaining and I was already at or over my mileage limit for the full lease agreement. 
o During the course of the negotiation, XXXX XXXX representatives promised to pay-off the remainder of the lease payments, pay any early lease termination fees and pay XXXX XXXX XXXX fees for mileage overages. 
o I agreed to purchase the XXXX XXXX in good faith that this would occur and turned over the leased XXXX to XXXX o XXXX XXXX pilled on a large volume of paperwork which I later discovered had hidden fees which they built into the loan which put the burden of the remaining lease payments into my load. This is not what I had agree to and there was no explanation of the charges. Since I was rushed into signing the deal late into the night, I didnt notice it o I was only provided with one key to my now purchased XXXX XXXX XX/XX/XXXX o I returned to XXXX   XXXX to turn in my spare XXXX   key and handed it to the sales representative on duty. I explained the that the key needed to be handed to the manager and my salesperson, so it could be turned in with the XXXX A few months later, Ive begun receiving collections call from XXXX XXXX  XXXX XXXX, Toyota Financial Services and many other collections agencies for approximately $ 1.1K. They state that I owe money for 3 things : o Missing hubcap for one tire o Missing XXXX key o Mileage overages on the lease Im willing to discuss the cost of the hubcap although I havent seen proof that it was damaged or missing ( despite my requests for documentation ), however, the key was turned into Mossy and the mileage should be paid by XXXX. Ive decline to pay any of those charges Since then Ive been harassed by Toyota Financial and multiple collection agencies. Multiple phones in a day, calls to my personal cell phone, calls to my place of employment, calls to my wife None of these calls have been authorized and I consider them a violation of my FDCPA rights. 
Additionally, Ive received multiple letters which use threatening language towards me if I dont take action to resolve the account. I consider these letters also a violation of my FDCPA rights. They did not contain proper validation disclosures, substantiation of debt or physical evidence to support the debt claims The two debt collectors at fault are : XXXX XXXX XXXX XXXX and Toyota Financial Services
Product: Payday loan, title loan, or personal loan

XX/XX/2022 - Ran a credit check for financing on XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  only for it to " fail/be denied '' due to having a Fraud Alert status, I had opened up a support ticket with XXXXXXXX XXXX after XXXX XXXX XXXX XXXXXXXX credit check system referred me to XXXXXXXX XXXX automated system. XXXX XXXX XXXX Customer Support had also referred me to said XXXX automated system XXXX ( XXXX ) as they ( XXXX XXXX ) can not do manual human-to-human credit check/identity verifications and it MUST be handled through XXXX. 

As such, I had called XXXX ( XXXX ) only to be told by XXXX XXXX automated system that " No Fraud Alert has been found '' when applying for identity verification so, naturally I tried triggering the system to forward me to a human representative only for XXXX XXXX system to tell me " it can't do that ''. 

Which leaves me a consumer in the predicament of not being allowed a legitimate line of credit due to lack of availability/avenues for manual identity verifications on both XXXX and XXXX XXXX XXXX ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. I was reviewing my consumer report and I notice these accounts negative account being reported without my permission. I would like for you to furnish me my contract I have with each of these banks, with my signature. Please provide me a signature or contract that shows that I was negative on these accounts. If you can't furnish it, you have to remove it within XXXX days.
Product: Student loan

Navient ( at the time known as XXXX ) gave me a ridiculous interest rates ( some > 9 % ) on my private student loans and required me to have co-signers. It is my belief that it was discrimination at work because of my XXXX name. Friends of mine also with no credit history ( like me ) but not with XXXX names were able to obtain loans with reasonable interest rates and without co-signers. I asked XXXX at the time why this was and they could not explain and said that 's what the market rate was without further explanation. I have suffered great financial pain in repaying these loans as a result of the ridiculous interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
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: Checking or savings account

In the month of XXXX XXXX charge my account for XXXX XXXX which I did not authorize. I contacted them and was told they did not make any transactions from that card, Citibank state they did They took out {$7.00}. In the month of XXXX I entered the 30 days free trial for XXXX XXXX, about a week XXXX did a transactions from my citibank account for XXXX XXXX for {$16.00} The 30 day was not up, so I told them to canceled it. In the monthof XXXX they charged me for XXXX XXXX {$16.00}. XXXX. Contacted both companies and never got it resolved .Too many back and forth no money was refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft/fraud since 2016. Have filed a dispute several times with police reports. Credit reporting agencies have failed to remove fraudulent accounts. I have done everything I could to get this resolved. Im a victim suffering defamation and identity theft. Accounts frequently keep getting put in my name without my consent and affecting my credit. Experian is no help with this severe issue. XXXX and XXXX have been resolving more than Experian disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX regarding account number XXXX XXXX XXXX XXXX in the amount {$680.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.
Product: Checking or savings account

Original complain still not resolved, have left messages for XXXX XXXX at TD BANK tel XXXX and he DOES NOT return my calls :. Complaint number : XXXX, Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX, Product : Checking or savings account Issue : Managing an account As explained on my original complain 15 days ago, I have not been able to access my account, it has been locked and was told I have to be at the bank to get it unlocked, I went to the TD Branch located at XXXX XXXX XXXX XXXX, I identified myself and explain the problem, the lady told me she needed to call their office, we were put on hold for more than 1/2 hour, I told her she already had my information to unlock the account and that I could not wait any longer since I had my ride waiting outside ( I am a XXXX person with no transportation ). She told me I had to be present for her to proceed. I filed the complain with your agency CFPB on the XXXX of XXXX, and last Friday I got a voicemail from the above gentleman, not to tell me the account was unlocked but that he needed me to return his call. I have been trying to reach this person and left him several voicemails and he has not returned my calls. Bottom line, the problem still persist and I have not been able to access the account on line, not by phone and can not even get my bank statements. I AM A XXXX PERSON AND I FEEL I AM BEEN DISCRIMINATED AGAINST BY THE INTERNAL POLICIES OF THIS BANK UNDER THE XXXX XXXX XXXX XXXX SINCE I CAN NOT GO TO THE BRANCH BY MYSELF TO RESOLVE THIS PROBLEM AND I HAVE NO METHOD OF TRANSPORTATION I received an email that your agency was informed that the problem had been solved, which is a lie. This morning I call your toll free number and was told that according to the record, the complain was closed and there was nothing else that CFPB could do, so I contacted my Senator to address the lack of enforcement action by CFPB Once again I need CFPB to continue tol address this existing issue with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act MILITARY STAR XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX I initiated a domestic wire transfer through my bank, Bank of America ( BoA ) to the following : Confirmation Number : XXXX Recipient Name : XXXX XXXX Recipient address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total sent to recipient : {$30000.00} USD Transfer fees : {$30.00} USD Recipient account : XXXX Recipient Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total to recipient {$30000.00} USD Shortly after completing this domestic wire transfer, I became aware that the account number was not that of the intended recipient. The account number, XXXX, is used by XXXX XXXX XXXX XXXX XXXX XXXX as a holding account for XXXX XXXX, in the case of international wire transfers. 

On XX/XX/XXXX, I called the Bank of America to request this domestic wire transfer be cancelled. 
I was informed that the Representative could not cancel and that because the account number was not the intended recipients account number, the domestic wire transfer would fail and the funds would not leave my BoA account. The transfer did not fail. BoA did not stop the transfer. The money went to XXXX XXXX on XX/XX/XXXX. I had BoA issue a recall ( XXXX XXXX ) of funds to XXXX XXXX , which on the instructions of BoA, sent the money to XXXX XXXX . In response to the BoA recall request, XXXX XXXX ( case XXXX ), responded We are contacting payee for cancellation of this payment. We will advise on receipt of any response. 
BoA has not provided answers on : - why this transfer was executed- it did not include the account number of XXXX XXXX so where did the money go - it included a misspelled address for XXXX XXXX. 
BoA does not know where my money went. And, it is my understanding that they did not issue a recall to the XXXX XXXX. I called the XXXX XXXX  to discuss my wire transfer and they said they cant discuss that with me because I am to the recipient account holder.
Product: Credit reporting or other personal consumer reports

I filed a lemon law case against XXXX XXXX XXXX XX/XX/XXXX because my car is a lemon and is a very dangerous vehicle. When I filed that case they started to retaliate against me by not posting my payments to my account, reporting false information to the credit bureaus and denying me service on the vehicle. I attempted to correct the miss allocation of payments to the account with a supervisor who admitted the late payment reported in XX/XX/XXXX was inaccurate and promised to remove this from all credit bureaus. Initially it was removed, but they placed it right back to prevent me from being able to trade in the car as it took XXXX points off of my XXXX XXXX instantly! I attempted XXXX weeks ago to have this resolved by another XXXX, who stated she would call me back and get it updated. No response, no update! I am attaching information supporting my position. I have XXXX months worth of statements showing payments were made timely and deducted from my checking account, but I am focusing on the payment referral arrangement which I initiated with XXXX For XXXX month of XX/XX/XXXX. If they didnt falsify service records during the lemon law arbitration case, I would have won the case and this would be a non-issue. I am attaching the payment deferral agreement which shows payment was due XXXX, the 10 day grace period contract, executed by myself in the dealership, their policy on not Reporting negative information when payment referrals are requested in a couple other supporting documentation. 

They also have refrained from reporting all payments made to the credit bureaus. There are months where I made {$3000.00} worth of payments and theyve reported XXXX. I cant confirm that my payoff balance is even correct because of all the retaliatory actions taken against me.
Product: Credit reporting or other personal consumer reports

Loan has been paid in full. However, Bank of America is still showing the loan as outstanding.
Product: Credit reporting or other personal consumer reports

My information was informed my data was breached with Equifax and when I went to file my complaint. It wouldn't not allow me to with them. There was a settlement with data breach and I never received payment. Can you please assist me?
Product: Credit reporting or other personal consumer reports

Incorrect Personal Information : NAME : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX