23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX in XXXX, Texas and it was financed through Wells Fargo. Several months into my loan Wells Fargo lied about my payments saying that I was not entitled to the skip a payments as an option if I ever needed it because I missed payments, which wasn't true because it was in my contract, plus I told them my bank verified all my payments as paid.They did not apply my payments correctly including my gap insurance, then they came and took my truck within the same year later saying I did not make my payments, again which wasn't true, then Wells Fargo sold my truck then sent me a bill for about {$19000.00} saying I owed them. Then with Wells Fargo doing that they damaged my credit by their actions, which kept me from renting an apartment. 
I spoke to Wells Fargo by phone, and they kept insisting I had a week to come up with the balance if I wanted my truck back which at the time was about {$23000.00} I told them they where not honoring the contract ethically and the woman from Well Fargo insisted I did not keep up my end on the contract and hung up on me. Then about 2-3 weeks later is when I received the letter from them from a XXXX XXXX XXXXXXXX telling me I owed them {$19000.00}. Then they reported their bad, unethical practices to the credit bureaus blaming me for what they did, and as I mentioned it kept me from being able to rent an apartment. I have moved a few times with friends but I can give you my DL # or my SS #, there is one other option where I may be able to track down the loan or account number but I will need about a week or two to get it for you. 

I thought there was nothing I could do until the CFPB uncovered their illegal practices. I am SO GLAD YOU UNCOVERED THEIR LIES AND CORRUPTION!! and the damage they have done to millions of people!! 
Thank you CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a tax lien on our report from XXXX. In XXXX of XXXX the lien was paid. The lien was not released until XXXX of XXXX. Please see attached documents that show paid and release dates. It also mentions cancelled from record. These have already been removed from all three bureaus, this is still showing up on my XXXX and Transunion. Thank you in advance for your assistance.
Product: Student loan

I attended the XXXX XXXX XXXX XXXX  from XXXX. The XXXX XXXX XXXX approved $ XXXX in loan relief for students who took out loans to attend AI due to misrepresentations from the AI to its students during the above period. When I first spoke to Nelnet, they said I was entitled to a refund. When I called a few months later they told me that the hold up is with the Department of Education. I spoke to XXXX at the DOE and she said the hold up is Nelnet. 

Therefore, I am filing a complaint with Nelnet ( and the DOE through the Inspector General ). I feel like I am not the only person who paid their loans in good faith but are not receiving their refunds. 

I do have the paperwork showing my Nelnet loans paid in full totaling {$20000.00}. I would like my refund or at least know when to expect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report XX/XX/XXXX and notice there were hard inquiries on my credit report that I dont have permissible purpose to be on there these hard inquiries are hurting me from being approved recognize I have reach out to all credit bureaus in the fraud department and these items are still in my credit profile. My rights are now being violated under 15 usc 168 1b XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card

My Amex consumer credit card limit of {$11000.00} was reduced to the balance owed ( {$3500.00} ). Thus making the credit card balance due immediately as this tactic now makes the card 100 % utilized therefore negatively effecting my consumer credit score. 

I have made minimum payments due consistently. 

I was not given notice of this decrease in advance nor did Amex seem to take into consideration the implications that lowering the limit would then jeopardize my consumer credit score. No warning was given, just a email defining a lowering of the credit limit. 

Amex does not intend to allow me to pay the balance to reclaim my original limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I established an investigation of some accounts with erroneous information and after reviewing the Credit Bureaus ' response I perceived that the disputed accounts are still incorrect, with verified status. Related information similar to this is amazingly harmful to my current credit record. Please provide that the particular information is 100 % verifiable and accurate. Please investigate and correct the following accounts : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  Reference # XXXX Date XXXX
Product: Debt collection

I am filing this complaint regarding inaccurate, misleading, and unverified information reported on my credit profile by AmSher Collection Services. This reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following issues warrant immediate attention and corrective action : 1. Violation of FCRAs Accuracy Requirements Under 15 U.S. Code 1681e ( b ) and 1681i ( a ) ( 5 ), credit reporting agencies and furnishers must ensure the accuracy of reported information. AmSher Collection Services has failed to validate and ensure the accuracy of this alleged debt. My formal debt validation request, sent via certified U.S. mail on XX/XX/XXXX, was delivered to AmSher on XX/XX/XXXX, as verified by USPS tracking. Despite the statutory obligation to respond within 30 days, I have received no response or documentation from AmSher. 

2. Unverified and Unrecognized Debt -I have no knowledge of this alleged debt, and my validation request explicitly demanded documentation, including the original contract or signed agreement proving my responsibility for this debt. To date, no such documentation has been provided. 
XXXX contacted the original creditor, XXXX XXXX who confirmed that this account is classified as a business account. Reporting it under my personal credit profile is both inaccurate and misleading. 
-The address associated with this account, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, is one with which I have no connection. This inconsistency further demonstrates the inaccuracy of the reporting. 
-The account number reported is incomplete ( e.g.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), rendering the account unrecognizable and further reflecting incomplete and inaccurate reporting. 
FDCPA Violations 3. AmSher Collection Services has violated the following provisions : -15 U.S. Code 1692g : Failing to provide a timely response to my written request for debt validation within the required timeframe. 
-15 U.S. Code 1692d : Engaging in conduct that harms my reputation by reporting inaccurate and unverified information.

-15 U.S. Code 1692j : Using deceptive practices that create the false impression of debt validity without providing the requested proof.

Supporting Documentation : -Certified mail receipt and USPS tracking confirmation verifying delivery of my validation request on XX/XX/XXXX. 
-A copy of my original validation letter outlining the deficiencies in reporting and documentation. 
-3 Bureau report from XX/XX/XXXX highlighting some of the violations -3 Bureau report from XX/XX/XXXX highlighting some of the violations, including XXXX stating this resolved as of XX/XX/XXXX. I still have received no US mail communication on my dispute, per my debt validation request. 

Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and provide updates on the corrective actions taken. 

Sincerely, XXXX XXXX
Product: Debt collection

First I sent a debt validation letter to the debt collector, who I '' m totally unaware of them and did not sign are authorized any of my personal information to be sent to them witch is against the law under 15 usc 1692g. in the letter sent to them I requested a debt assignment and the original contract that i sign from the original creditor. I also requested a payment history and dates from the original creditor. on XX/XX/year> i called and spoke to a XXXX XXXX from Synchrony bank and ask why are the debt collector reporting on my credit report on XXXX account Synchrony XXXX and Synchrony Room to go as past due balance I also told that these XXXX account on my report is showing as charge off as bad debt and profit and loss write off. I also told her i didn't receive a 1099c form the company all of this is inaccurate reporting.
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 {$16000.00}, {$3700.00}, {$0.00}, {$8800.00}, {$5400.00}, {$1000.00}, {$410.00}, {$9200.00}, {$2100.00}, {$5300.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

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

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 


-- XXXX ACCOUNT -- 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.
Product: Debt collection

A debt on my credit report that is handled by XXXX XXXX XXXX, I disputed by letter. They responded that they were investigating. When I got their result, I asked for verification of the debt. They never provided final proof of the debt. 

I sent a certified letter to them in XXXX and they did receive it. However they have failed to respond to my certified letter or further communicate regarding the debt. 

This is a violation of the Fair Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Equifax I have obtained my credit report from XXXX. Equifax is not reporting the collection companies name. The original creditors name is not spelled out. The name is in initials. How am I suppose to know who these companies are if there names are not spelled out correctly? I attached a screen shot from XXXX XXXX XXXX XXXX XXXX XXXX did not notify me at my current or previous address about this debt. Which is a violation of the FCRA and FDCPA 15 U.S code 1692g. A debt collector must notify a consumer at the ADDRESS of the debt. I was not notified at my present or previous address. Please check previous addresses that XXXX XXXX XXXX XXXX  has listed. Thank you for you help Equifax.
Product: Credit card or prepaid card

Im writing this complaint since I have no other way to solve problem with SOFI. The problem is following:

OnXX/XX/XXXX, I made a transaction with XXXX XXXX XXXX for $XXXX (Transaction ID: XXXX). However, I never received the order. I tried to contact XXXX XXXX XXXX but can not solve the problem. I made a dispute with SOFI. Since its a credit card, I should not be liable for this type of charge. However, SOFI never get back to me. The dispute claim number is XXXX. The representative who handle it is XXXX  ext XXXX. 2 weeks after initiate the dispute and dont see any confirmation from SOFI, I called back in to customer service and they advised that the dispute is closed because they need more information from me. To be specific, they want to know how much for each pallet of flooring that I ordered. But in reality, I never receive a call, email or mail. They denied, and closed my claim without my acknowledgement and proper reason. I told the customer service agent that I can give them that info so they can keep disputing it for me. The agent gave me XXXX  contact and also ask XXXX  to get back to me. When I call XXXX, even during business hour, it always goes to voicemail. I left her 2 voicemails (10 days apart). She never answered to those voicemails. I tried to call back in and tried to leave more voicemails but the voicemails box of SOFI Dispute department is full so I cant do anything. I tried to call back to customer service and have been talking to many different operators. They all gave me the same information that they will contact the Dispute team and escalate it on my behalf and I should hear back with in 48 hours. It has been months and I dont hear anything back. The operators ID are: XXXX, XXXX, and XXXX. In the meanwhile, Im charged for interest on the purchase, and my credit score is going down because of the higher credit utilization. 

On XX/XX/XXXX, I filed a complaint with the XXXX (XXXX XXXX XXXX), and quickly after that, SOFI responded to me. They promised to work on the claim. 

On XX/XX/XXXX, they sent me a letter in the mail saying that the dispute is resolved in my favor and the credit is now permanent.

On XX/XX/XXXX, There is a charge from XXXX XXXX XXXX on my account (Transaction ID: XXXX) for $XXXX (exactly the same as the charge before).

Since that time, I tried to contact SOFI many time by email, and phone call, but there is no luck, they are not reachable.

Please help me solving this problem.
Product: Credit reporting

i am here in usa before 6 year exactly in XXXX/XXXX/XXXX and i get my ss ln XXXX/XXXX/XXXX before l was good in my live but in XXXX i had big problem like jobs living and ... ... .everything necessary in live for example i submit an application for XXXX, XXXX, XXXX and other. all those accept me because l am good driver and never have accident or tickets but when they see my credit they sad me we can ' t accept you because you have bad credit same problems when i want rent an apartment for living if i do not bring other person or/and bring money for deposit. l am tire with living in hotels please i need helps. 
i send an fax to experian but nothing i coll XXXX and XXXX they sad me your problem is Experian. 
thank you and i am sorry for my XXXX.
Product: Debt collection

Total amount owed is of {$4400.00} from XX/XX/2021. My identity was stolen back then and I did notify the bank about it and nothing was done. My debt was sold to a company. which I do not have a contract with and I am not familiar with the amount they are charging. I have no information on this charges and why this is still showing in my credit report when I notified the bank long time ago about this.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX credit bureau, have already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting

credit report say 's that I lived at XXXX, XXXX XXXX, XXXX. pa XXXX well that is wrong, I never lived at this address..
Product: Money transfer, virtual currency, or money service

On XX/XX/year> i had a few friends over and when i went to the bathroom and came back 2 of " my friends '' had left and i noticed my cell phone was missing. About an hr later i checked my cashapp account $ XXXX and realized {$100.00} had been transferred out of my account. It was done in 2 {$50.00} transfers to $ XXXX. I did have a pin set up on my account but the pin was the same code to unlock my phone which im guessing whoever took my phone was able to see me enter the unlock code and remembered it. I did contact cashapp but they denied my claim saying that i had a security code set up so it had couldnt be anyone else. Which is not true and ive never sent money to the person who the money was sent to either. 
My cashapp account $ XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and are respect for the consumers right to privacy. 
XXXX and XXXX and TransUnion are consumer reporting agencies. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whomitrelates. Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies XXXX and XXXX and TransUnion on that my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and TransUnion Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to another affiliated third party unlessthe consumer is given an explanation to add my discloser ( Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC1681C ( a ) ( 5 ) states, Except as authorized under subsection b 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 ante dates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) A states '' 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.15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title. XXXX and XXXX, TransUnion are not maintaining reasonable procedures. Also 12CFR 1016.7 states that '' A consumer may exercise the right too opt out at anytime. " I am opting out of your reporting services.
Product: Debt collection

I was contacted at my job from this debt collect or XX/XX/XXXX. I tried to speak with the debt collector but he was continuously yelling at me and also hung up the phone on me. He proceeded with saying that they would be moving forward with what their decision would be to do with my collection but did not specify any detail and hung up the phone. I talked to the debt collector on Thursday XX/XX/XXXX because they have been calling my job and cell phone number back to back we also talked briefly and I shared that I would be able to make a payment. He also accused me of lying and pulled up a report with all of my other information. So I just need guidance or something of what to do from her we. He also never specified the amount to me that I owe