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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$13000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX BalanceOwed : {$72.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$130.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; 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 XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Debt collection

I received an unsolicited email from TrueAccord about a debt owed to XXXX XXXX. The email was addressed to my email address, but also addressed a different person by name, XXXX XXXX. I thought it might be a phishing scam and researched TrueAccord online. I read that TrueAccord is very difficult to deal with and usually requires a lawyer to get them to stop harassing you. This seems incredibly unjust to me. I'm afraid contacting them directly will only result in more harassment.
Product: Credit reporting or other personal consumer reports

What Happened : I requested XXXX XXXX XXXX provide accurate documentation for Account # XXXX, including auction proceeds for a repossessed vehicle. Initially, they refused, claiming they could not disclose this information. After filing a complaint, they provided a document with unexplained and unclear numbers, making it impossible to verify how proceeds were applied. Their inconsistent statements and lack of transparency raise concerns about compliance with the FCRA and CFPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I bought a vehicle in XX/XX/XXXX from a dealership with XXXX XXXX. It was a XXXX vehicle with over XXXX miles on it. I bought an extended warranty since the vehicle was out of warranty. I had an issue with the engine and the warranty that was sold to me, couldn't be used. I felt like I was scammed and I decided to cancel the warranty. At this point, the vehicle has over XXXX miles on it. It has been giving various mechanical issues and it is affecting me when it comes to making my payments on time.
Product: Credit reporting or other personal consumer reports

I am concerned about my consumer report. There have been numerous attempts to obtain credit without my consent. Please place a fraud alert on my account. No one should open an account without contacting my number : ( XXXX ) XXXX Please delete the fraudulent account that arose from identity theft. XXXXXXXX XXXX XXXX. As well as rhe inquiry XXXX XXXX placed on XX/XX/year>. I did not request credit from this company. Thank you for your time in this important matter.
Product: Student loan

I am furnishing this complaint against Fed Loan for denying me the right to have student loans removed off my credit because of my criminal record according to False Certification. They found me not eligible by stating there is no evidence that the school was made aware of the disqualifying status. I was not made aware that I might not qualify for employment due to my criminal record for which field I was being trained in because no one asked or gave me appropriate counseling. 

XXXX College, formerly known as XXXX XXXX XXXX College would have been aware ONLY if the school would have INQUIRED about my criminal record prior to enrolling in school. I have no reason to deny that when this is public records and apparently can be found. 

Furthermore, I inquired about the Promissory Note with XXXX XXXX Student Loan Servicing before because I wasnt certain that I had signed on to this and requested that send me a copy. The Promissory Note has incorrect information that I highlighted such as my name. It asked for your whole name and my whole name is not located anywhere on there. Also, there is nowhere on the Promissory Note that ask are you a felony for any type of crime other than for fraud. Nor did I receive counseling regarding a loan or my eligibility for a loan and anyone could have done an electronic signature. 

However Fed loan states you may qualify if you had a physical condition, medical condition, legal status, legal condition or a CRIMINAL RECORD that would legally bar employment in your field of study at the time your school certified or originated your loan. How was I supposed to know this information? They asked about fraud, then they should have asked about other criminal records. 

According to XXXX  and XXXX, XXXX  is where I now reside. Both states have set rules that prevent one from gaining desirable employment in the XXXX XXXX and to provide a XXXX  business for XXXX XXXX XXXX. However ; my criminal record has become an obstacle. I studied XXXX XXXX so that I would have essential XXXX  skills and knowledge to become an XXXX  and to work with XXXX. 

I am not able to get ahead in life and to have been to school and still not able to conquer my dream job is quite depressing and embarrassing. I would like to have these loans removed off my credit immediately. Extortion is illegal and again, I think that the school should have questioned or counseled me before signing up for a program that I cant benefit from. 

I wish I would have known going to school wouldn't benefit me because my criminal record prevents me from gaining employment and becoming an entrepreneur. 

I have attached documents for you to review.
Product: Credit card

Under the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666, credit card issuers are required to investigate billing disputes within two billing cycles ( but no more than 90 days ) of receiving a written notice from the cardholder.

According to the FCBA, once a dispute is filed, the creditor must : 1. Conduct a reasonable investigation of the disputed charges.

2. Resolve the dispute within the required timeframe.

3. Provide a written explanation of findings if the dispute is denied.

4. Correct any billing errors if found to be valid.

Failure to comply with these legal requirements constitutes a violation of federal law. If the credit card issuer does not properly investigate the dispute, the following remedies may apply under the FCBA : The creditor is prohibited from collecting the disputed amount or any related finance charges, penalties, or late fees.

The creditor must correct the billing error and remove any negative credit reporting related to the dispute.

The cardholder retains the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) for further action.
Product: Credit reporting or other personal consumer reports

Affirm Inc. Reported a bill on my credit report. I tried contacting Affirm, but was unable to get through to them. I do not have an Affirm account, when I checked, they sent a 'verification email ' to an email address that is not mine. The address of the bill is associated with an address I've never lived at.
Product: Debt collection

CTI is using unethical practices in collection for the US Dept of Edcuation. I have sent several rehab payment agreements for my student loan. Every other three or four months I 'm being called to state that they never got my paperwork and that I put myself on a payment program when I have faxed several times over all the requested information from this office. As of XXXX/XXXX/15 I was told that they never received my paperwork and now being told I have to pay more than what was agreed upon. They are the worse at this and I ca n't believe that the federal government has allowed this agency to use and collect for them.
Product: Credit reporting or other personal consumer reports

Someone opened payment accounts with a financial company named Affirm in my name and got small loans to purchase something. They set these loans up in auto pay to some random checking accounts that dont belong to me and then defaulted on the payments. I never used Affirm payment services in my life as I have other means of financing. When I reported this to Affirm them they told me they have no record of me having an account with them but continue to report delinquent remarks to experian. I have disputed this with experian but nothing has changed and they can not even tell me what these loans were used to purchase. I have placed fraud alerts on my accounts and its hurting my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a XXXX interest to 2 year loan from Synchrony Bank for {$26000.00}. I called and asked to set the payments to pay off the loan in full on time for the free interest. They said they did. After making a payment of {$660.00} evey month for 2 years I called and they said they set the payment wrong and now I would have to pay the remaining balance and all the interest since the beginning. They told me I had to pay {$10000.00} to pay off the loan in full, but they won't recognize the payoff, they keep charging more interest, and won't refund the original interest. They owe me {$13000.00} in over payments. I have contacted them 6 times now by phone and twice by email. The respond by email saying I need to call. When I call they say they need to have a manager call back but they never do. They are very dishonest and I would like help getting my money back please?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have received a copy of my free credit report, and have tons of inquires that were done by a car-dealership in which I personally did-not authorize at all. 

I have attached a picture of my ID, and proof of address so that you the reporting CB can verify me. 

I'm asking that you reach out to the company who pulled my credit, and request proof that they have my authorization to have pulled my credit report from the following methods A ) a signed letter.

B ) a recorded phone call.

C ) video surveillance of me authorizing the inquires. 

While I was inside the dealership, I only AUTHORIZED XXXX XXXX, not their furnishing network to have pulled my credit. This is my written request to demand, that you look in-to this issue as soon as possible and provide me proof of how you investigated, and how you determined that I authorized the companies listed below to pull my credit. 

They are as follows : 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 Auto Finance XXXX - Auto Finance 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 Card Service 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 Card Service XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX Dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX No forms of credit have been established with any of the creditors above, so I ask that you investigate and remove them for my report otherwise you will be in-direct violation of FCRA statues, and limitations.
Product: Credit card or prepaid card

SOMEONE OPENED A ACCOUNT IN MY NAME WITH " XXXX XXXX SERVICES '' AND NOW LEWIS MCDONNELL AND ASSOCIATES KEEP CONTACTING ME AND THREATENED TO TAKE ME TO COURT TO HAVE MY WAGES GARNISHED, BUT THIS WAS NOT ME WHATSOEVER THAT STARTED THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX every 7 days someone been trying to open a credit card, checking and online account in my name at discover credit card. Since XX/XX/XXXX to XX/XX/XXXX they try XXXX times. I spoke to a fraud representative at discover, XXXX XXXX and XXXX XXXX XXXX  bank card and they are looking into the situation and also put an alert on my name.
Product: Vehicle loan or lease

Santanders response to the previous complaint is blatantly false.
Santander modified my loan on  XX/XX/XXXX please see attached documents.
On  XX/XX/XXXX  my car was repossessed. The repossession fees were {$460.00}, the car was picked up on XX/XX/XXXX . On  XX/XX/XXXX  Santander confirmed the new payment and payment date and receipt of the modification ( see letter ) The letter regarding the sale of the vehicle was never received by me.          
Santander not only owes me the repossession fees of {$460.00}, they also owe me an additional {$1800.00} for payment overrage. I had an atty. look over my modification documents and it was suggested that i was overcharged in the {$1800.00}.
 XXXX 
This is calculated at {$66.00} per month starting  XX/XX/XXXX  to  XX/XX/XXXX .
my payment at the  10.14  apr should have been {$200.00} instead Santander charged me {$270.00}.     
They are a rip off company that overcharges their customers. The y should be fined for there Fraudulent actions.
Product: Credit reporting or other personal consumer reports

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$510.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
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 XXXX XXXX XXXX. 

Account Name : MIDLANDCRE Account Number : XXXX Account Name : DEPTEDNXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : SELF/SSTATBK Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Checking or savings account

Wells Fargo was running a promotion in XX/XX/2023 to increase deposits at the bank. On XX/XX/2023, I took my lifetime savings and I opened a 5 month Certificate of Deposit ( CD ) at Wells Fargo Bank with the caveat that a bonus will be awarded after 90 days of the CD being opened. The bank specified that the bonus will be deposited within 30 days after meeting the 90 days condition. The bonus was never deposited even though we have met all the conditions. I was told that the bank needed more time to research why the award was not deposited. The bank asked for 10 business days to research the issue. After the 10 business days lapsed, they came back again and asked for another 10 extension to research the issue more. 20 business days have lapsed and now the bank is coming back and asking for another extension. Wells Fargo has all the information required to resolve this matter. After being with Wells Fargo for 27 yrs, I am disatisfied with how they are ethically running their promotion programs. It is not comforting to know that a large financial institution like wells fargo can unethically be so evasive and not meet its customers ' obligations.
Product: Debt collection

This company is a collection agency and they are trying to collect on a debt that is not yet eligible for collections as this is a closed account with XXXX XXXX XXXX that is not yet 30 days past due. They are calling this a " pre-collection '' debt account that they are trying to collect on.
Product: Credit reporting or other personal consumer reports

Reporting accounts XXXX XXXX and XXXXXXXX XXXX that doesn't belong to after. After submitting proof and ftc report the credit bureaus refused to remove accounts.
Product: Checking or savings account

Well I need help with home improvement I have to pay rent but dont have the money for it
Product: Credit reporting, credit repair services, or other personal consumer reports

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 customer Reporting agency cannfurnish a account without my written instructions.
Product: Checking or savings account

Complete Payment Recovery Services is attempting to collect a fraudulent debt. XXXX XXXX  sent this account to Complete Payment Recovery Services. I informed XXXXXXXX XXXX the account or accounts was and is fraudulent. I did not apply for any checking nor savings accounts with XXXX XXXX XXXX XXXX  forwarded me some emails from an email address I do not own and stated that I sent them an email. Those emails are from an imposter. This debt in its entirety is fraud. I did not sign any applications, I did not receive any debit cards nor checks from this institution. It is my belief XXXXXXXX XXXX  fraudulently opened this account internally. I am a victim of identity fraud. Complete Payment Recovery Systems does not have authorization to collect fraudulent debt. All charges are fraud on these accounts as these were not authorized opened using stolen credentials. I will not accept responsibility and I want this debt removed immediately.
Product: Debt collection

I send a letter to Transunion XXXX XXXX XXXX. on XXXX to remove these accounts immediately which were wrongly reported on my credit reports : XXXX XXXX. Account Number XXXX the amount charged off is {$8600.00} ... Account Name : XXXX XXXX Account Number : XXXX amount charged off {$6300.00} ... Account Name : XXXX XXXX. Account NumberXXXX, Amount charged off {$2500.00} ... Account Name : XXXX XXXX XXXX.Account Number : XXXX, Amount charged off {$5900.00} ... Account Name : XXXXXXXX XXXX XXXX XXXX . Account Number : XXXX Amount charged off {$630.00}... It has been 30 days since I send my letters, the credit companies are not complying with their own policies in a timely manner.
Product: Checking or savings account

Summary : my physical address was changed by Bank of America without my permission and I requested an investigation to determine how this happened and prevent it from happening again. XX/XX/23 I received a notification from XXXXXXXX XXXX that my account holder information had changed for my Bank of America account. I called XXXX and they were not able to share additional details. I called Bank of America on XX/XX/23 and they said there was no change. I called Bank of America again on XX/XX/23 and they confirmed that my physical address was changed to an address that a family member owns and they said they submitted an investigation request. Nobody else has access to my bank account or login information, and I have 2-factor authentication set up so I would have received a notification if someone else attempted to log in. XX/XX/23 I followed up and the XXXX XXXX department submitted a service request to further investigate. XX/XX/23 I followed up and there was no update. XX/XX/23 I followed up and there was no update so they escalated and filed a complaint. XX/XX/23 I followed up again and they said someone should call me back within a week but nobody XXXX I followed up again and there was no update. XX/XX/23 I followed up again and there was no update. XXXX I followed up again and there was no update so I closed my account. It is unbelievable that there were no updates within this almost two-month timeframe for an issue of security where my physical information was changed, not by me, and there was nobody else who had access to my account.
Product: Credit card or prepaid card

I logged into my account on XX/XX/2020 to see that my accounts were closed. I immediately called Citi to see what the reason was and they told me that they had determined to close them after a maintenance review and that my spending and payment patterns were not what they want to see from someone using their cards. I requested reinstatement of the accounts and was told that this was a final decision.

I always paid my cards on time and rarely let them close with a balance and, when I did, I paid them immediately.

I received no official communication from Citi for the closures of my cards as well, violating a basic expectation of the relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was previously a victim of identity theft and had several accounts opened under my name without my knowledge an account by XXXX was among those debts and previously blocked from my credit report now it has been sold to another collection agency and placed back onto my credit file when it is supposed to be blocked I have submitted police reports and identity theft reports and it is still being put back on my credit file XXXX XXXX XXXX XXXX acct no. XXXX Collection opened XX/XX/2021 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with CitiFinancial. The last activity on the account on my part was   XXXX   2009. My credit report says that I refinanced the loan, but I never did. It says " refinanced, closed/Never late, but the unfortunate truth is I stopped paying the loan prior to   XXXX   2009.
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The partial account number is  XXXX . The address identification number is  XXXX
Product: Mortgage

Refinance my mortgage and paid it off in full in XXXX  with XXXX  XXXX XXXX. Frivolous foreclosure was started in XXXX  without legal proof of cause for action. Bank fainting provides Federal Truth In Lending Disclosure got that closing timely, illegal attempt to foreclose with their own attorney acknowledging missing instruments for over 9 to 16 years. Proof of cancel debt and frivolous filing of 1099 with IRS of Interest payments when no money was tender.violation of Federal truth in Lending, collection, and billing act. And, FTC law. Manipulation and fraud.