23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This is a debt consolidation loan. It saltarted with them having me make payments directly to them as they settled my accounts I provided them. This started in XXXX of 2017. I made payments of {$360.00} a month to them. After 7 months of making payments to settle the accounts. They offered a loan through their sister company. At first it was supposed to be the same payment plan and term ( 36 months ). When they offered the plan to me. After they went through and had me sign the documents the payments on the final copy I receive went from XXXX a month to XXXX a month. And the term was increased from 36 to 60 months. I figured I had already signed the documents so I could change them. Well back this past XXXX I started getting collection notices from creditors that were supposedly included in my debt consolidation loan that Freedom claimed to had settled. When I emailed about these they provided no response. When I emailed and told them I am not making another payment until they resolve the issue. They ignored me. Now they call asking for me to make a payment. And when I ask about the complaint I filed. They say theyll look into it and have someone call me back later that day or the next day. And that has not happened after numerous phone calls in 3 Months. The other issue that I have is the payments I initially started to make of {$360.00}. Were not reflected in my initial loan showing that I already made those payments towards the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$480.00}
Product: Checking or savings account

Submitted online check payment to be paid to XXXX XXXX on XX/XX/2022 for {$470.00}. Check never made it to XXXX XXXX. Received a late payment and had to pay 3 % service charge to XXXX XXXX to pay over the phone with a credit card since my payment wasn't received from Truist bank. Paid XXXX XXXX {$490.00} on XX/XX/2022. Called Truist back to tell them I wanted to put a stop payment on a the check for {$470.00} on XX/XX/2022. I haven't received my money back from Truist. I have talked with Banking Center representatives at the XXXX XXXX XXXX in XXXX XXXX, GA. I have talked with Customer Service 4 times on the phone and had no resolution to date. I have spent over 5 hours speaking with people to get the {$470.00} back that they confirmed the check had not been cashed on their end. I was told a stop payment was going to be completed over 10 days ago and should receive a credit back and still hasn't happened. They are not telling me to go back into the banking center which is where I started a month ago. I don't know what else to do. Please help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under tracking according to Tracking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts : XXXX XXXX XXXX. {$400.00} ; XXXX XXXX XXXX XXXX XXXX. {$300.00} ; XXXX XXXX XXXX  XXXX {$11000.00} ; XXXX XXXX XXXX  XXXX XXXX {$180.00} ; XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX {$1000.00} & {$500.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/1987 My correct Social Security number:XXXX My correct address isXXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX employer is : XXXXXXXX XXXX  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EXPERIAN WILL NOT REMOVE THIS BANKRUPTCY!!! PLEASE REMOVE INACCURATE INFORMATION!!! THANK YOU! IT HAS RUINED MY LIFE! I NEED TO BUY A HOUSE, THANKS!! 

CHAPTER XXXX BANKRUPTCY - US BANKRUPTCY COURT XX/XX/2013
Product: Credit reporting or other personal consumer reports

I have a premium membership with Experian and I recently downloaded my all my three credit bureaus report and I realized that my XXXX report contained false data or false information. They have inquiries on XXXX report that do not actually appear on my XXXX report. Experian requested a send them a screenshot of my XXXX report and they will take a look at it and have it updated. 

I sent them the screenshot of my XXXX report and they informed me that this is something that their MEMBERSHIP DEPARTMENT WILL HAVE TO HANDLE. I reached out to the membership department and I was told it was going to take about 24-72 hours for their engineers to review and update and that haven't been done as it now. It's about a month now and still no update.

The report number that I was provided is # XXXX
Product: Debt collection

I have paid off all medical bills. I am XXXX. Cadillac ACCNTS REC MGMT has chose to leave an open account on my experian credit report. This open account is bringing my credit report down Alll account by my former Attorney that were PAID IN FULL were left active. Former Attorney 's Name XXXX XXXX CADILLAC ACCNTS REC MGMT. Partial account number XXXX Address ID number XXXX XXXX ) XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA phone # XXXX XXXX XXXX partical account numbers # XXXX NEXT XXXX SAME COMPANY # XXXX ADDRESS ID # XXXX NEXT XXXX SAME COMPANY XXXX ADDRESS ID XXXX. The credit reports shows that I have a active balance with these credit reporting agency and I do not All balanced paid in full
Product: Consumer Loan

I was called on XXXX XXXX to make payment -at the time I did not have the money - 4 days later I called this very company to make full payments on all the companies they work through -call was recorded - I paid all my accounts that the customer service rep could see that had a balance - I asked about XXXX account and the lady said there was no balance showing. XXXX XXXX XXXX call me dunning me for a payment- I had made all my payments to my knowledge ( XXXX other companies- they sister with ) if the balance for XXXX themselfs would have been visable to the customer service rep that account would have been paid off also.Now after I have been verbally assaulted by XXXX of there debt collectors and told " good Luck with getting this off your credit report '', they had turned it over to a credit collector in TX - I have made it very clear to this company XXXX when I 'm able to pay the balance I would- I have been under going several medical procedures and treatments do to a car accident and I 'm barely squeeking by month by month on No-Fault insurance payments! This is why I tried to pay ALL of my accts XXXX XXXX because I knew I was going to be under going these treatments and money was going to be non existing - So now Company is Destroying my credit scores by reporting this to the credit agencies and I have worked my but off trying to get scores up so to better my living arrangements - they are illegally punishing me for there lack of available information for there customer service reps- Does it make since I would pay off all my other accounts but not this XXXX? I have proof of the payments made through XXXX payment center on XXXX they had the information avalible to customer service rep it would also have been paid off! I do not have money on demand at their error-I paid all accounts with my tax return money so this needs to be pulled off my credit NOW because this was and is their fault not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

In order to REMIND the Equifax Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have an account that was reported to my XXXX credit report by XXXX XXXX XXXX in the amount of {$450.00} this account is owned by a debt buying company called cascade capital. It was originally reported by a company called XXXX XXXX XXXX XXXX in the amount of {$310.00} after I sent a debt validation letter to XXXX XXXX XXXX XXXX it was sent back to Cascade capital and was re assigned to XXXX XXXX XXXX and reported to XXXX. I contacted XXXX XXXX XXXX today XX/XX/XXXX about this alleged debt and spoke to a lady named XXXX XXXX who tried to offer me a pay for delete for this alleged debt I informed her that I have been a victim of identity theft and trying to verify these debts on my credit report once she realized was not interested in paying this debt she became rude saying I don't care what you do ill note your account as a refusal to pay and blew me off after she realized I had no intention of paying. This account is was past the statue of limitations in the State of Texas and I just wanted info I do not think it is right for whenever you try to validate a debt instead of doing so the debt is moved around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of the XXXX XXXX under XXXX  XXXX law XXXX which gives me the Right to move out. I notified the landlord of my intentions on XX/XX/XXXX and also noted that I was filing a HUD complaint.Landlords are prohibited from harassing or retaliating against tenants who exercise their legal rights. In Tennessee, landlords are prohibited from terminating a lease, increasing rent, decreasing services, and threatening to bring an action for a possession because a tenant : Complains to a government agency. On XX/XX/2022 was the XXXX Retaliatory Act. Then XX/XX/XXXX, the landlord submitted this to XXXX. XXXX has now hit my credit for an illegal unowed debt. This case is under HUD and every day Experian reports a false debt and denies me credit will be responsible for violations un FCRA. It was reported on XX/XX/2022 so I am entitled to {$1000.00} for every day they have violated my Rights and refuse to report accurate information causing me harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with HYUNDAI CAPITAL AMERICA. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}
Product: Vehicle loan or lease

I am on my fourth lease with Toyota credit. At the start of each lease, I have signed up for autopay to be deducted from my checking account. When you initially enroll in autopay, the autopay amount is defaulted to your payment due amount. 

In XXXXXXXX XXXX XXXX, my local area changed sales tax rates, and my payment increased by a few dollars a month. TFS did not notify me, and continued to bill my account at the original payment amount. They did not adjust my autopay. 

In XXXX I was alerted by my credit report that my account was over 30 days past due. I did not understand as my account was being debited every month. When I called, I was told that unless you call and set up autopay, the amount deducted will not match your payment due. The representative stated that it was a known issue which causes many problems but the company would not do anything about it. I went back to the autopay sign up site, and this information is not disclosed anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that  they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting or other personal consumer reports

upon reviewing my consumer credit file i noticed there were numerous inaccuracies that i the consumer didn't recognize, nor applied for. the account in question is : XXXX XXXX XXXX XXXX and the account is ending in XXXX. This is inaccurate and should not be reflecting on my consumer account. please see identity theft report attached
Product: Credit card or prepaid card

I have one ( 1 ) Bank of America credit card ending in XXXX and one ( 1 ) Bank of America debit card ending in XXXX. 

I do not know when monthly payment is due BECAUSE THE BANK OF AMERICA NO LONGER PROVIDES ME WITH PAPER BILLS! 

I have repeatedly complained to Mr. XXXX of the XXXX, New Jersey branch of the Bank of America. He promised to make sure I have paper bills. That was three ( 3 ) weeks ago. 

I still receive NO paper bills and so am at a loss what I owe on the two said cards! 

I NEVER AGREED TO PAPERLESS BILLING!
Product: Debt collection

I've previously attempted to settle the matter with this company but they have ignored my requests and are now in dishonor. The Fiduciary Appointment was mailed and received by the company. According to the USPS.com tracking system checked against the registered mail number on the document uploaded, the company received the documents XX/XX/2020.
Product: Mortgage

i was getting letters from mr. cooper ( my 1st mortgage holder ) for payoff amounts, & i wasn't making the requests. apparently there was one more that that they released to XXXX XXXX from XXXX/XXXX  for XXXX XXXX. my second mortgage was covered under bankruptcy by XXXX XXXX XXXX.until they were sold to XXXX XXXX. they didn't notify me until XX/XX/XXXX, 1 full month after the motion by XXXX/XXXX. they have required more money to be garnished from pay than i make per month. which means, i will not be able to make my monthly payments to the 1st mortgage, my hoa, my utility bill or my monthly living expenses. i will be XXXX   on XX/XX/XXXX, so i don't have any options that i can see. as far as i can see XXXX XXXX   should have been broken up in XXXX & it's board members should have been thrown in prison. in review, my identity was used, illegally to obtain the payoff from my 1st mortgage, i have 6 letters in my possession explaining how to get that info, i called them to tell them it wasn't me, and then asked them who was requesting it. of course they would not tell me. apparently they managed to get my info, because they raised my monthly garnishment, which goes into effect XX/XX/XXXX. any suggestions on how to save my home.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding SYNCB 's misleading promotion of their prequalification process, which falsely assures customers that it involves a soft pull and will not affect their credit. Despite these assurances, SYNCB recently conducted a hard inquiry on my XXXX credit file when I applied using their prequalification process. 

SYNCB has been promoting its prequalification process to customers, encouraging them to apply with the assurance that it involves only a soft pull and will not impact their credit. However, contrary to these assurances, SYNCB recently checked my XXXX credit file for an installment loan or new bank account, resulting in a hard inquiry being placed on my credit file. 

This misleading promotion of the prequalification process has caused significant harm by falsely leading customers to believe that their credit would not be affected when applying. As a result, many customers, including myself, have been misled into consenting to a credit check that negatively impacts their credit score and credit report. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the following concerns : 1. **Misleading Promotion : ** SYNCB 's promotion of its prequalification process falsely assures customers that it involves only a soft pull and will not affect their credit, leading to customer deception and confusion. 

2. **Unauthorized Hard Inquiry : ** Despite assurances of a soft pull, SYNCB conducted a hard inquiry on my XXXX credit file without my explicit consent or knowledge when I applied using their prequalification process. 

XXXX. **Consumer Harm : ** The misleading promotion of the prequalification process has caused harm to consumers by falsely leading them to believe that their credit would not be affected when applying, resulting in negative impacts on credit scores and credit reports. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with consumer protection regulations. Specifically, I request the following : - Verification of SYNCB 's promotion of the prequalification process and confirmation of the misleading assurances regarding soft pulls and credit impacts. 
- Enforcement of regulations to prevent deceptive advertising practices and protect consumers from unauthorized credit inquiries. 

Please find below the details of the promotion : Source : XXXX XXXX : SYNCB Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX I appreciate your attention to this matter and look forward to a prompt resolution. Please inform me of any updates or actions taken regarding this complaint. 

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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX