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

I previously notified you on XX/XX/24 that there was information on my consumer report as the result of identity theft. Also that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. In accordance with the law, the requirement threshold is simply : Proof of identity - a copy of my State ID was provided A copy of an identity theft report - furnished from identitytheft.gov, a government agency The identification of said information by the consumer - listed in my last letter but I digress is as listed : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

A statement by the consumer that the information is not information relating to any transaction by the consumer - which I have previously stated per the letter sent on XX/XX/24, but alas I reiterate once again that this information is not any information relating to any transaction by me as a consumer. 

As the consumer reporting agency, a block of the information that resulted from an alleged identity theft should have been no later than XX/XX/24. My request to block was and is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.
Product: Vehicle loan or lease

In XXXX of 2018 I finance a Toyota XXXX for 60 months with Toyota financial credit. 
My credit rate was 19.75 % interest rate. 
During the duration of the loan. I got behind on 10 payments.

Toyota moved 10 payments to the end of my contract. My payments were {$330.00}. 

For each payment, over the 60 month contract that they moved to the end of the contract. I was charged an additional {$420.00} on top of the {$330.00}. Over the phone they said interest would occur on the money that I moved to the end of the contract but they did not tell me that the amount would come to {$4200.00}. That I would need to pay at the end of contract. After I paid the {$330.00} per month. I felt the company was Decepticon in using the term interest would be added. Not knowing that each payment I defer to the end of the contract with cost me an additional {$420.00}. Per payment defer to the end of the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/2023 : Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$520.00}. The original creditor is XXXX XXXX. 
I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Debt collection

I have reached out to this company on several attempts to request debt validation and have gotten no response.
Product: Mortgage

In XX/XX/2020, I was laid off from a job that I held for 22 years due to the company downsizing during the XXXX pandemic. I contacted Wells Fargo several times for some payment relief options as well as options to refinance my XXXX XXXX XXXX. I was not offered any options and was told it was due to the nature of the loan being in a payback status. At the current payment amount level, it is difficult to make the payment as I am trying to recover from financial hardship. I have been a customer of Wells Fargo for 20 years and don't understand why no options were provided to me. They did not request any documentation to even consider my financial status and I was wrongfully denied any type of loan modification as a homeowner in need. Wells Fargo was negligent in providing clear and detailed information about the origination of the loan and the interest charges I have paid over the years. Furthermore the terms of the loan changed without any notification.
Product: Debt collection

My XXXX credit report continues to show an account that I did not open. I filed a police report in 2022 concerning identity fraud related to this and other accounts. 

This account/debt is with CREDENCE RESOURCE MANAGEMENT , a collection agency. 
account # XXXX balance : {$10000.00} XXXX XXXX listed as XXXX
Product: Student loan

I have called Navient through the years trying to negotiate settlement or repayment options. I had a XXXX loan which is now XXXX due to them never working with me. If I said I could only do XXXXmonth that was never acceptable. It always went into forebearance. I am about to his collections with them and need to try and stop it. Please help!!!!!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill '' refers to a situation where Experian has not adequately addressed a credit report dispute you filed, meaning they haven't investigated or corrected inaccurate information on your report within a reasonable timeframe, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ), a federal agency that oversees credit reporting agencies like Experian ; this is often the next step if Experian ignores or fails to properly handle your disputed
Product: Mortgage

I have been lied to repeatedly by this company. Even the VP of customer service has lied!!! You get the run around. You get letters stating your loan modification is incomplete and letters stating its complete. Representatives are unable to confirm what is actually needed. They put my loan in forbearance then removed it with NO input from either borrower. They are dragging their feet. This has been going on for months. They dont deserve government backed loans
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I received a {$300.00} payday advance from mypaydayloan.com with the understanding due to language on their very site that, I would then be responsible for {$390.00} upon repayment. The loan was set up in a way to deduct {$90.00} directly from my checking account bi-weekly until the loan was repaid. There have been a total of 5 {$90.00} payments taken from my account for a total of {$450.00}, which in my estimate is {$60.00} too much. I called their customer service line today and was told that because I did not pay the debt in full with one payment, that I would continue to be charged the {$90.00} bi weekly fee. I asked how that was even legal to do because not only had I repaid the initial loan with interest, but overpaid as well, and the man on the phone confusingly kept telling me that this was NOT a payday advance and that was the reason for the continuing withdrawals from my account. I'm sorry, but there is no way that this is can be legal. I am obviously not in a good place financially to begin with and there is no way I can afford to give them the extra {$60.00} they have taken or the countless more {$90.00} they intend to take. Please help me.
Product: Debt collection

This is the first time I am hearing about a debt that I owed for Speedy Cash. 
I emailed them disputing this transaction and requested proof of debt.

Listed below is what was included in first email : SPEEDY CASH SERVICE Attention, Lawsuit Court Case # XXXX LAWSUIT COST- {$1800.00} ( INCLUDING ATTORNEY FEE/ACCOUNT VALUE/LATE PAYMENT COSTS/INTEREST COSTS/COURT FEES ) Attorney : XXXX Rector XXXX XXXX, CA, XXXX. 

SETTLEMENT AMOUNT - {$880.00} For settlement reply on : - XXXX SUBJECT : LOAN Settlement AMOUNT- {$880.00} One Time Settlement Amount : - XXXX Received another email from XXXX XXXX XXXX Senior Investigator aXXXX XXXX XXXX XXXX stating the following : Hello XXXX Case No : XXXX After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible. 

You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. 

The charges with Speedy Cash pressed on you are : XXXX ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception
Product: Mortgage

I have an automatic payment set up for monthly draft payments for my home equity line of credit that I have had with Ally mortgage for 13 years, previously XXXX. On XX/XX/XXXX of XXXX, I sent in an updated REQUEST to change the bank the payments would be drafted from my account # XXXX XXXX XXXX checking account. I have ALL copies of the agreement, voided check, and their form completely filled out accurately and submited XXXX. On XXXX XXXX, XXXX, in response to my change in 'bank draft ' account number only - I got a confirmation letter from Ally acknowledging same - start draft date was XX/XX/XXXX bank account # XXXX contractual monthly payment ; {$1100.00} - but paying additional principal of $ XXXX acknowledged in writing by ALLY to me. 

Since I have had that set up for 13 years, never had an issue, I did not go and audit my bank account in XXXX to confirm the payment was drafted. I got a letter from Ally dated XXXX indicating that I was 2 months due on my mortgage. I immediately called Ally and complained regarding the EXACT information and written confirmation from them. I said I want in WRITING a statement from ALLY that I would not be charged a 30 day late and or late payments and I would pay both immediately. BUT - since their service and promises are so bad and my requests repeatedly ignored - I told them I want the letter FIRST as I can see myself fighting them even more once they hit me with a late mortgage payment that was THEIR FAULT CLEARLY. 

4 different representatives - all who have referred me to supervisors and then the supervisors have said twice the 'letter to confirm ' no late mortgage payments to me for any kind of late, especially a 30 day late due to the Bank 's ( Ally ) not properly acknowledging and drafting payments they had authorized and acknowledged. 

i still sit now on hold for 45 minutes but this is another Bank unconscionable act and leaves the homeowners in dire straights during especially such a financially taxing time.
Product: Vehicle loan or lease

since i took my loan out with Santander USA my payment due date has always been on the XXXX of each month. Either some time in XXXX or XXXX my due date was changed to thee XXXX of the month without my knowledge or approval and this has cause several late payments to be reported to my credit file. I did not sign anything and I did not agree to the due date change so how change they just change and then adversely affect my credit. This is a violation of the FCRA. I have heard and been a witness to many horror stories with Santander and this is unacceptable. According to my credit report I was reported 30 days last for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$300.00}, {$0.00}, {$920.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$350.00} is fraud please remove in collections on my transition report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand that the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Dear, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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  Subject : Dispute of Collection Accounts Due to Identity Theft To Whom It May Concern, I am writing to dispute collection accounts on my credit report that were obtained through identity theft. I recently discovered fraudulent activity on my credit report, and I believe that the following accounts have been placed in collections without my consent : 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  - Account Number : XXXX - Date of Account Opening : XX/XX/XXXX - Amount of Debt : {$250.00} I am a victim of identity theft and have taken the necessary steps to report this crime to the authorities and have filed a police report [ if applicable ]. I have also contacted the affected creditors to inform them of the fraudulent accounts and have provided them with the necessary documentation. I have attached copies of the police report and correspondence with the creditors for your reference. 

I am requesting your assistance in investigating and removing these fraudulent collection accounts from my credit report as soon as possible. I understand that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Given the circumstances, I kindly request that you initiate an investigation into the validity of these collection accounts and remove them from my credit report. 

Enclosed, please find the following documents to support my claim : 1. Copy of my government-issued identification.

2. Copy of the police report.

3. FTC Identity Theft Report I request that you cease all collection efforts related to these fraudulent accounts during the investigation process, as it is my right under the FDCPA. 

Please provide me with written confirmation once the investigation is complete and the fraudulent collection accounts have been removed from my credit report. I understand that you have 30 days to complete this investigation, as per the FCRA guidelines. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue and appreciate your cooperation in rectifying the negative impact of these fraudulent collection accounts on my credit history. 

Sincerely, XXXX XXXX XXXX Enclosures : ID, BANK STATEMENT, COPY OF POLICE REPORT, COPY OF FTC REPORT, & COPY OF XXXX CARD.
Product: Credit card

I had to use different option. 

But the issue here is not sue of the card. 

The issue is the actual Citibank website that arrives XXXX XXXX credit card. 

Citibank already knows the issues of its website and login and etc but refuses to fix it. 

I cant use any proper site to log in without changing the password so many times. 

Citibank is a XXXX XXXXXXXX dollar bank but running its website like its from a 3rd world country. 

I have seen better sites in XXXX world countries. 

A XXXX XXXXXXXX dollar bank cant seem to fix its log in issues at all and keeps telling customers excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 XXXX XXXX has violated my rights 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit card or prepaid card

Trying to have reward forward to my checking account. Gemini ( the company ) said that that my bank is not verified when it's the same bank and same checking account I use to pay my bill. I don't understand why they just can't forward my rewards to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid pandemic I was let go from my job and was unemployed for about a year, during this time I spoke with a service rep at American Express about my account, after seeing that they had posted on the website that they have a Cares act plan in place for people who are affected by the Covid pandemic, during my call I ask the rep if they could suspend the account until I was back working and freeze the payments and late fees the rep explained that this could not be done by the next payment bill I noticed late fees piled up along with dropping my credit limit which in turn maxed out my credit card causing my score to be affected and my payments to minimum increase after 120-150 days they closed they account and continue to report this account negative to the credit agencies as they continue to contact me during the dispute process I ask if they were willing to reopen my account remove the late fees and I will start paying on my balance, the rep told me this is not possible and said I have to pay my entire total including late fees which accumulated during the pandemic only to have to reapply and if Im approved start out with a credit limit of {$500.00} seeing that my credit score is and has been drastically affected by the pandemic I would be extremely unlikely to get approved again
Product: Credit reporting or other personal consumer reports

in the month of XXXX I pull my credit score and it had XXXX different amounts on the credit score and someone said they closed the account but they still trying to collect off the car. I gave the car back because they overcharged me for the car, I could no longer pay for it, but they still call and try to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my Credit report And there is Information that does not belong to me under my name its saying that I live in these addresses and Ive never lived there two different locations are on my credit Ive had this issue before where I was XXXX because somebody else use my information and I was released because I was the wrong person and now Im trying to build my credit work on it and now this if its possible I need to get this fixs
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2013 I  am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXXXXXX XXXX  XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

PayPal denied my unauthorized claim for {$1600.00} sent to an unverified PayPal account. I filed a claim stating it was not me who made the transfer they closed the claim out stating it was authorized without fully investigating. All they did was trace the IP address thats not enough proof that it was me who made the purchase. This has been an ongoing issue since XXXX. Now I have to get my bank involved and hope they honor the refund due to the past timely filing time frame. Im going to contact the police and file a claim against PayPal for fraud. There is no security for PayPal account holders they allow all fraud to go thru and they make you pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has the wrong ssn XXXX attached to my profile. I dont know who's ssn that is but it isn't mine. I've asked them to update but haven't had any changes. 2 xhibits are attached : 1 ) is what they have on my profile and 2 ) my actual ssn card. Because they have the wrong ssn attached to my account no one is able to see my equifax report.
Product: Credit card

My payments are always made on time ; I am certain of this. However, I am uncertain as to why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted dispute for inquiries these companies removed the inquiries then added them back. I have not requested credit recently and inquiries need to be removed they also refused to respond to 3 of my certified letters in the past 3 months