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

XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, XXXX no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus and XXXX XXXX to make them aware of the identity theft and disputed. Nothing has changed and this is not right. I am disputing all of the following information due to be incomplete and inaccurate : ( XXXX XXXX XXXX XXXX # XXXX )
Product: Vehicle loan or lease

IN XXXX of 2017 I was encourged by a co worker to go to XXXX XXXX in New Hampshire as my co worker 's son was a sales person at this dealership. I had just turned XXXX years old and had no knowledge of how to buy a car or secure a loan on my own. I did not know what a good interest rate was, what it means to have a consigner and on and on. A couple of months later my car was vandalized and I came down with XXXX. As. XXXX XXXX I needed my car for work and was unable to drive the vehicle any longer for safety reasons. I was also not able to XXXX any longer as I could not afford to register the car. I was not aware that as a resident of the state of Maine I would have to pay the taxes I " saved myself '' by purchasing a vehicle in NH. Given the XXXX I was not able to work " inside '' tXXXX XXXX  for a week. This caused my to be behind financially. I started to recieve calls from XXXX XXXX ( the company my car is financied through ) and it was at this time I realized that something must be off with this loan. I had my mother call Exeter with me to explain the terms of my loan " I had no paper work on hand ''. I learned that my interest rate is 27 % over a course of 72 months, that it is a simple interest loan and I am being charged a fee of {$10.00} a day for each day that it is late. That $ XXXXday does not increase my payment but it does take away form the amount of my payment that is applied to the principle. I am also being charged a 5 % late payment fee that does increase my monthly payment after being late 10 days. On the advice of my mother and with her assistance I am writing this complaint. A 27 % interest rate sample loan for a vehicle is AT BEST PREDATORY and can not be legal? I was 100 % taken advantage of by the finance department at the Dealership. XXXX XXXX should be locked away for charging this type of rate for a loan and then adding astronomical late fees! It is obvious that this company preys on people with poor or no credit, they never intend for me to be able to pay off this loan, they are making more profit off the backs of people with little resources.
Product: Credit card or prepaid card

Creating a new complaint in reference to COMPLAINT ID XXXX Chase has not provided clarity around the breech of my account and has certainly not provided a clear understandable response in regards to my concerns. 

I attempted to use my credit card and it was declined, upon being declined I contacted Chase and have gotten the run around multiple times in attempts to resolve the issue. 

I was advised the issue was resolved after my initial CFPB complaint which was false and I was able to resolve after that with additional calls and time. 

I continued to file complaints that were not addressed yet advised as addressed. 

How did Chase learn of my death and what actions were taken to verify this information? 

I'm sure my complaint was the reason that Chase learned of my resurrection. How did Chase validate my resurrection? I provided information that would have been on a death cert so I certainly hope that information is not what cleared the " investigation '' and that additional actions and research to verify the validity of my proof of life were done. 

I received notice from Chase that I was marked as deceased as seen in my attached documents. 

Although in writing saying they are. Sorry for the mistake. That's not heartfelt or a clear validation of the inconvenience to myself as the consumer. 

I would like to be advised of the airs found, how they were addressed and how they were effectively communicated to myself as the consumer. XXXX XXXX. 

I would like to receive advisement of what the resolution to my concerns were. 

I would like to know what actions were taken to address the errors that were found in chases internal investigation. More specifically, I want more information surrounding how they were notified of my death, how my death was verified, If I wasn't facked deceased, how was communication in regards to my account sent? Why my other accounts were not affected? I would like more information on how my resurrection was validated and confirmed to restore my account. I would like to know what Chases research found is impact to the customer for the issues I encountered.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX, I received notification from XXXX XXXX entailing that several accounts in my credit report had been removed and renewed without rhyme or reason. This took place within a window period of XX/XX/XXXX, XXXX XX/XX/year>. 

This illegal process inevitably caused my XXXX XXXX XXXX to drop XXXX points causing me financial distress. 

This illegal process of removing a account has a direct effect on the credit report due to its direct effect on the algorithm of age, credit utilization, inquiries etc The account which was removed and reopened as stated on XXXX XXXX were : 1. CURRENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX  report states that the CURRENT account was removed and instantly reopened. 

It still reports as being a closed on XXXX XXXX. While CURRENT has reassured me that such account was never closed from their end. 

However, XXXX XXXX nor TRANSUNION reported the positive balance of the CURRENT credit card payment which would have increased my XXXX XXXX rather reduce its points. 

The XXXX XXXX  report also states that the aforementioned CREDIT INQUIRIES were removed then replaced as new credit inquiries. 

However, when reviewing the accounts mentioned above, all the dates highlight the original date these items was placed on my credit report. This clearly demonstrates that there a manufacturing error deliberately aimed to harm my score. 

These activities listed above has direct effects on the point system of consumers credit reports. I have been directly effected from this causing me to halt my purchase of a vehicle because of the dramatic decline in my score which now sits a XXXX XXXX XXXX XXXX. Which ultimately, is a XXXX XXXX per XXXX XXXX XXXX.
Product: Checking or savings account

I'm in the process of moving my account away from bank of the west. On XX/XX/XXXX, a payment I'd missed charged to the account taking it negative even though I have not and will never opt into overdraft protection. BotW have allowed the charge and charged a {$35.00} fee as a result.
Product: Debt collection

DEAR LVNV FUNDING LLC ; RESURGENT CAPITAL ; CFPB ; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seen an open account on my credit report for the past 5 years that should have been closed. I recently called Chase Auto Loan department to discuss my case and they told me it is closed I do not owe anything there is no balance. But they keep reporting that I am delinquent and I owe {$3.00} but my monthly payment is {$0.00}? I disputed through multiple credit repair companies and I most recently disputed with XXXX and they completed the dispute and it is still on my report it is so frustrating because for over 5 years it have shown that I am not paying this account on time and it has been paid off.
Product: Debt collection

On XX/XX/XXXX, i received a letter from XXXX XXXX XXXX trying to collect a debt for a bank called XXXX credit card. On XX/XX/XXXX, i then sent a letter explaining that the debt had been paid in full according to my knowledge, i requested a debt validation of which they refused to respond instead on XX/XX/XXXX XXXX XXXX sent another letter demanding me to settle the debt without validation. The account was put on XXXX XXXX in XXXX of which the statue of limitation has expired in XXXX to collect a debt in California.
Product: Student loan

SoFi is advertising that the average consumer saved over {$17000.00}. This is predicated on optimal terms and the fact that a variable rate loan does not adjust. First of all, the optimal customer is not the average customer. More importantly, that statistical probability that a variable rate loan will not adjust during its life is nearly null. I would like to know, quantitatively, how many loans SoFi has issued that meet the advertised criteria ; delineated between fixed rate and variable rate. This is yet another example of how this company appears to be engaging in deceptive marketing.
Product: Mortgage

As a first time homebuyer, I am frustrated with my experience applying for a mortgage through Citizens Bank. From the date I placed an offer on a townhome I had one month until closing on XX/XX/XXXX. I was informed by the loan officer, XXXX XXXX that I did not require a home appraisal. At no point was I informed that the appraisal waiver could later be denied, for reasons outside of my control. Due to the lender not having a documented unit # associated with the address until it was submitted to underwriting, I was informed I no longer qualified for an appraisal waiver, 11 days before closing. Had I been informed that this could happen, even if it was not expected, I would have asked for an appraisal from the very start knowing that it takes weeks to be completed, and there was no room for delay in order to close on XX/XX/XXXX. The majority of communication with my loan officer after that shifted to texting. I felt that direct verbal communication was being avoided, despite it being my right to ask questions especially as a first time borrower and buyer. Days went by where I did not receive any phone calls and I had to request to be contacted for updates. I reached out to upper management because I did not feel I was being supported. When I finally received a call the evening of XX/XX/XXXX, I asked multiple times why there wasnt an option to have requested an appraisal from the very start to avoid having to request a rush appraisal suddenly, but never got a direct answer. I felt there were unprofessional statements made, Im not laughing at you ... this is a nervous laugh and You can call whoever you want, it wont make a difference. This would make anyone feel insecure who is supposed to entrust a lender with a major financial investment, and only bolstered my decision to withdraw my mortgage application. I would feel differently if they communicated regularly as promised and were more supportive overall. I also didn't feel I should have been expected to cover the cost of a rush appraisal when I was not at fault. I initially wrote this complaint when I was not refunded the initial appraisal fee of {$580.00} ( the appraisal never got scheduled ). However I have at least now been credited that amount. I had to close without a mortgage, but nonetheless I still feel as a customer banking with them for about 8 years, my needs were disregarded and hope other first time home buyers are treated better.
Product: Credit reporting

I did not live at XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX My name has never been XXXX XXXX XXXX XXXX is my middle name. 
I have not used XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation: auto loan not mine
XXXX XXXXXXXX XXXX  
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX

FCRA VIOLATION: ADDRESS NOT MINE
XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX  
FCRA Violation:  student loan never late XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation: hard enquiries not mine
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 Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  HAS BEEN TAKING ADVANTAGE OF MY CREDIT. XXXX XXXX HAS FALSELY REPORTED INCORRECT INFORMATION ON MY ACCOUNT REGARDING PAYMENT STATUS IN AGREEMENT TO WHAT WAS DISCUSSED VIA PHONE. XXXX XXXX HAS BEEN NOTIFIED UPON SEVERAL ATTEMPTS TO REMEDY THE SITUATION AND HAS RESULTED IN NEGELECTING TO CHANGE THE INFORMATION TO SOLIDIFY THE CORRECT INFORMATION. XXXX XXXX HAS DOCUMENTED ON ACCOUNT 2 LATE PAYMENTS TO OCCUR IN THE MONTHS OF XXXX XXXX XXXX XXXX WHICH IS INCORRECT DUE TO THE NULLIFICATION OF CREDIT STATUS PENDING DISPUTE OBLIGATIONS AS PER THE AGREEMENT. XXXX XXXX HAS ALSO BEEN AS BIAS AS TO REJECT MY APPLICATION FOR CREDIT INCREASE GIVEN THE FACT MY PAYMENT HISTORY IS MAGNIFICENT OTHERWISE BUT WISHES TO RECUSE ME OF ANY BENEFITS CONSIDERED. AFTER PROVIDING REFERALS WITH NO CONSIDERABLE ACCREDIDATION OR AFRIMATIVE REWARD XXXX XXXX HAS ILLICITLY BEEN DISPARAGING MY CREDITWORTHINESS AND HAS BEEN BADGERING MY WORTH CONSIDERABLY WITH INCORRECT REPORTING AND DENYAL OF BENIFITS. XXXX XXXX FAILS TO MAINTAIN UPDATED CREDIT REPORTING STATUS ON APP AS WELL AS FAILURE TO APPLY EXPRESS PAYMENT BENEFITS TO ACCOUNT IN TIMELY MANOR AND THIS AFTER RECEIVING PAYMENT IN FULL FOR A SERVICE NOT RENDERED AS EQUIVALENT AS PER STATED.
Product: Debt collection

On XX/XX/year> I mailed a letter asking for verification of the debt because I do not know this account. After waiting over 30 business days for a response, they have failed to provide proof that the debt belongs to me.
Product: Debt collection

I was a victim of identity theft and noticed a collection from CONSERVE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against CONSERVE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Checking or savings account

My employer deposited my paycheck into my account Wednesday and it should have shown up XXXX  and it is now XXXX  and I still do not have access to my paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed due to identity theft and now Experian is reporting it again which is a total violation
Product: Credit card

On XX/XX/XXXX I pre-purchased a XXXX XXXX for {$5700.00}. This was a purchase for an item that was to be delivered between XXXX XXXX and XXXX XXXX. As time passed and I had not received any updates or information from XXXX, I decided to contact them. To my surprise, XXXX did not answer any of my e-mails, calls, voicemails, or online request forms. 

I began getting worried about a fraud situation, so I decided to start a dispute with Discover Card on XX/XX/XXXX. I submitted all of the e-mails, documents, invoice, etc to the credit card company, and to my surprise, the dispute was denied. 

I contacted the credit card company and they said that they needed some sort of document showing that XXXX did in fact owe me a refund. I explained that XXXX is not responding to any form of communication. I went online and found similar cases with XXXX, where the victims were issued a refund by their credit card company. I sent these cases to Discover Card, and still, my dispute was denied. 

I, as a consumer, feel that I was part of a fraud, and should be protected by my credit card company. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act. The list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

1. ( XXXX ) Account number XXXX, Has violated my rights. 


2. ( XXXX XXXX XXXX  ) Account number XXXX 3. ( XXXX  ) Account number XXXX XXXX. ( XXXX  ) Account number XXXX 5. ( XXXX XXXX Account number XXXX 6. ( XXXX XXXX XXXX XXXX ) Account number XXXX Original creditor XXXX XXXX 7XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX mail only XXXX XXXX I Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A . States I Have the right to Privacy. 

15 U.S.C 1681 Section 604 A 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 Sates : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 to believe that the information is inaccurate.
Product: Debt collection

There are accounts on my recent report that I believe were added incorrectly and without my consent. I ask for immediate removal of these fraudulent listings.
Product: Debt collection

MOVE THESE COLLECTIONS AND ACCOUNTS IMMEDIATELY YOU ARE IN VIOLATIONS OF 15 U.S CODE 1681a 3 RESTRICTION OF SHARING MEDICAL INFORMATION, (e) THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER ,GENERAL REPUTATION PERSONAL CHARACTERISTICS,OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS. WITH NEIGHBORS, FRIENDS , OR ASSOCIATES  OF THE CONSUMER,(YOU NEVER INTERVIEWED ANYONE REMOVE THESE COLLECTIONS IMMEDIATELY) REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH INFORMATION SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMERS CREDIT RECORD OBTAINED DIRECTLY FROM CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER.     YOU ARE IN VIOLATION OF THE LAW IT COMPLETELY STATES YOU ARE NOT SUPPOSE TO INCLUDE ANYTHING FACTUAL IN A CONSUMER REPORT WHICH YOU DID, AND YOU SHOULD INTERVIEW MY FRIENDS NEIGHBORS AND ASSOCIATES YOU NEVER INTERVIEWED ANYONE DURING THIS ENTIRE DISPUTING PROCESS. THE CONSUMER REPORTING AGENCY ARE AN ELABORATE MECHANISM AND YOU ASSUMED THIS VITAL ROLE OF CREDIT INFORMATION Account number D13773xxxxxxxxxx COMMON WEALTH FINANCIAL ACCOUNT NUMBER XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander

is reporting information on my consumer report without my information. I am the consumer, and I control w hat is placed on the report according to 15usc1681b no permissible purpose. Transaction history is not to be reported according to the consumer laws. The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. The privacy law is broken according to The Privacy Act of XXXX ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.
Product: Credit card

Lowes card by Synchrony Bank. Overall this bank is deceitful. They pressure you into applying for store cards, multiple store cards, Like TJX rewards and JCP store. Once you apply under the guise of " saving money, '' they give you a high limit. as a customer you then use the card for its intended purpose, and once you use it no matter what the balance is, they immediately lower your limit to within {$20.00} of the available balance. Then they lower the limits on ALL your cards you have with them, despite never missing a payment and not going over your limit. YOU just came close to limit. I complained about this thing to Synchrony and in retaliation they closed one of my accounts that I had with Lowes for years because I used it. Mind you the limit is only {$100.00} and I pay it off everytime. After they do this to you it negatively impacts my credit score. And they retaliate by ruining it more! They must be stopped. This isn't fair. It is bait and switch. They punish you for using the card they give you and claim its due to the credit report in which they impacted!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account Number 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.