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

I am disputing the signatures on the Retail Installment Sale Contract Credit Document / Federal Truth-In-Lending Disclosures and The XXXX Gap Warranty. The signatures on the XXXX extended Warranty are my signatures but the signatures on the Retail Installment Sale Contract Credit Document / Federal Truth-In-Lending Disclosures that is not my signature I don't know whether the salesman XXXX XXXX XXXX XXXX changed the documents before he sent them into Capital One Auto also in the Federal Truth-In-Lending Disclosures it stated I made a {$1500.00} down payment I told XXXX XXXX I was not making a down payment XXXX My complaint also is with XXXX XXXX. I purchased the XXXX XXXX XXXX along with gap insurance from XXXX I did not purchase or sign a contract with XXXX I wasn't aware AssurantI bought XXXX. I found this out when I filed the claim for the remaining balance I owed on my XXXX XXXX after it was stolen and XXXX XXXX totaled loss due to the transmission needing to be replaced. When I filed the claim XXXX XXXX denied my claim because I drove for XXXX XXXX and Share even though the car was parked when it was stolen, I found out when I returned from my vacation. I was also told by XXXX XXXX Customer Service Supervisor XXXX XXXX XXXX XXXX An Assurant XXXX | XXXX ext. XXXX. I am confused about my gap insurance information because my contract was purchased with XXXX, I received a letter from XXXX XXXX XXXX XXXX because I drove for XXXX even though my car was parked when it was stolen. XXXX sent me a front page copy of the contract that I signed when I purchased a XXXX XXXX XXXX and one contract was filled out and signed by myself the other copies the top part typed and filled out with no signature the other contract was blank with no signature. Now I owe Capital One Auto {$5100.00} even though I had {$25000.00} uninsured motorist coverage with XXXX XXXX. Hence, they refused to pay the total amount to Capital Auto because my car was stolen, and they did not have anyone to recover their loss I noticed one on my Capital One original loan had 65 months and on the Federal Truth-In-Lending Disclosures it has 72 month payment so which one is it 65 months or 72 months? Now my credit is all messed up and I am without transportation my car was my means of income that is how I made my income without it my life has been turned upside down. I feel like both the insurance companies have let me down as well as XXXX XXXX XXXX I spoke to XXXX XXXX on XX/XX/XXXX, in XXXX XXXX XXXX XXXX. Regarding the signatures on my Retail Installment Sale Contract Credit Document / Federal Truth-In-Lending Disclosures being wrong he asked me to email him the documents I did not hear back from him so I reached out to XXXX XXXX again on XX/XX/XXXX, at XXXX am. XXXX XXXX asked if I signed a tablet, and I told him I signed all my documents with an ink pin. Then he told me that his boss would be in the office after the holidays, and he would have him call me but I never heard back from anyone at XXXX XXXX XXXX XXXX.
Product: Debt collection

I received my first letter from Aldous & Associates P.L.L.C on XX/XX/2021. 

I responded with a validation letter on XX/XX/2021 via US mail certified mail with a return receipt. Asking for Validation of debt and also asking for them to only contact me only in writing. In my letter, I specifically asked for communication in writing. See below ( 1 ). Also, in the letter, I asked for Validation which they never sent me. See below ( 2 ). I sent a second letter on XX/XX/2021 via US mail certified mail with a return receipt verifying I have never received the valdiation and again asking for communication only by mail. Yet, I still am receiving phone calls from Aldous. 

As of XX/XX/2021, Aldous has called my phone 2 -3 times a week. I know this because I have a recording of every phone call via my answering machine. I have had between 10 - 20 phone calls after asking them not to contact me by phone.

( 1 ) " In writing, I would also like to request that your offices make no telephone contact to my home or my place of employment. However, suppose your offices attempt telephone communication with me, including but not limited to computer-generated calls or correspondence sent to any third parties. In that case, it will be considered harassment, and I will have no choice but to file suit. Therefore, all future communications with me MUST be done in writing and sent to the address noted in this letter. '' ( 2 ) '' As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/2021. 
Since you have failed to respond, I assume that you have been unable to validate the debt, and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests. '' As of XX/XX/2021, Aldous has ignored my request to communicate by writing and has harassed me by phone on multiple occasions after asking in a received letter twice. Aldous also as of XX/XX/2021 has not validated my debt per my request.
Product: Credit reporting or other personal consumer reports

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Block and remove the following accounts on the FTC report I attached to this complaint.
Product: Credit reporting or other personal consumer reports

SOMEONE HAS FRAUDULENTLY USED MY INFORMATION, THE ITEM I HAVE LISTED DO NOT BELONG TO ME. I HAVE REACHED OUT TO THE RIGHT AUTHORITIES AND I WILL BE PROSECUTING ALL PARTIES INVOLVED. I DEMAND THESE ITEMS BE REMOVED FROM MY CREDIT WITHIN 10 DAYS OF RECEIVING THIS NOTICE. PLEASE VERIFY AND VALIDATE ALL DATA OF THIS ACCOUNT, EVERY NOTATION, DATES, AND BALANCES WHETHER REPORTED OR NOT. PLEASE BLOCK THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with Experian to remove a XXXX XXXX account from my credit report. The account belongs to my ex spouse now so I'm no longer responsible for that account. I've submitted documentation to Experian from XXXX XXXX to prove this and they have failed to properly investigate and remove this item from my credit.
Product: Debt collection

First Federal Credit XXXX is trying to collect an alleged medical debt in my name and fail to respond to my mail asking them verify the debt. So I am here to file a formal cease and desist in which they will comply with as they ignored my request for for verification and not even a licenced collection agency in the State of Florida. Please see attached pdf
Product: Vehicle loan or lease

I am a victim of identity theft. I learned that my personal information was illegally used to open an auto loan. The perpetrator of this illegal act is currently in jail for this very crime. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that you absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. 

Your company did an investigation into my identity theft claim and determined that this specified account was valid for several reasons and that I was liable for the following reasons : - Identification information provided at the time of the application verified as belonging to me ; - The address listed on the application was verified as belonging to me ; ( Original Creditor ) has no record of returned mail or statements from the address verified as belonging to me ; - Several payments were received from a debit card and ACH checking account in my name. 

The reasons provided are circumstantial and your investigation neglected to account for the fact that the person who stole my identity was XXXX while I served in the military which gave him access to : - Said identification information that was provided at the time of the application ( which was not authorized ) - The address verified as belonging to me and listed on the application is my address and is currently my address to date. ( The perpetrator XXXX while I was XXXX, which means he resided at my address ) - No returned mail or statements from the address ( why would the perpetrator return the mail that he was trying to steal. ( He was trying to utilize my resources ) - Several payments were received from a debit card or ACH checking account in my name ( the perpetrator house sat for me, and had access to sensitive information, passwords to my computer which gave him access to my bank account information. )
Product: Debt collection

Ive sent several letters to Caine Weiner regarding a fraudulent item they are reporting on my XXXX XXXX consumer report with no response from them. Caine Weiner # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights 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 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, Engelhardtv Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Checking or savings account

I was scammed into sending {$900.00} from a fraudulent check that had cleared but later bounced on XX/XX/XXXX.
Product: Debt collection

Letter rcvd XXXX/XXXX/XXXX asserting I owe them {$170.00} for a speeding ticket in Iowa dated XXXX/XXXX/XXXX ; which is past the statute of limitations, is 25 % MORE than the alleged judgement, upon calling the debt collector they assert they are not debt collectors and also recorded my call despite repeated req to NOT record ... Insisted on verification of my birth date and social, despite having my caller ID and account already provided, and wanted to argue they werre not acting as debt collectors, despite the XXXX XXXX ATTORNEY stating they ARE ... The letter does not state they are a debt collector attempting to collect a debt, and instruct to only call THEM not Iowa court. The threat of additional action like " contempt of court proceedings '' and that " Bankruptcy does not discharge any court fines or fees due in CRIMINAL cases '' THIS IS NOT A CRIMINAL CASE ITS A SIMPLE SPEEDING TICKET WHICH I WAS NEVER GIVEN DUE PROCESS IN COURT nor ever notified by any entity. IOWA statute clearly states 20 years to collect, and that has expired.
Product: Consumer Loan

When I applied for this payday loan through this company I was approved for XXXX. The loan was for my school fees and supplies. I was told that I would have to XXXX and that includes interest and the first payment towards my interest. I was fine with that so I proceed with the loan. When I went in to sign my documents I notice that I could not see the payment schedule or the interest rate sheet. I signed all of my documents and I received the funds. When It was time for the first payment, I payed everything. So I thought everything was okay. The next month they tried to process another payment on a different date, it was rejected because of lack of funds and received and overdraft charge. After this I logged into my account through them and found out that my amount had not went down, but it increase to XXXX. I contacted the company and I asked them why where they doing this, why has n't my principle decreased and Why is my payback amount is so much. I was told because of the interest. I told her that it was unacceptable, and I was not told that information. I asked the customer service representative that I want to speak with the manager. She transferred me, I waited for two and a half hours waiting for the manager. I hung up and called back and explained again, I received the same respond but this time they hung up the phone. I tired to called back on a later date so I can try to work out this issue with them. I explained to them that I am in XXXX school and my hours have been cut down because of the high demand of the program. I told them that I could pay a lower amount do that this issue can be resolved but I was met with threats of lawsuits and jail time. I just want this issue resolved and this stress off my back. This was the worst mistake of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone have been applying for credit in my name at the following places - XXXX XXXX XXXX  XX/XX/XXXX th XXXX XXXXXXXX XXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  -- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- - XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts are paid off in full with perfect payment history. Company has not updated this account status and continues to bill me when its already paid off.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of child support on my credit report, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i.

According to the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S. Code 1681e ( b ) ). I believe that the child support reporting on my credit report is inaccurate and in violation of this provision.

Furthermore, under 15 U.S. Code 1681i, when a consumer disputes the accuracy of the information in their credit report, the credit reporting agency is required to conduct a reasonable investigation into the disputed information. I am requesting that you investigate the accuracy of the child support reporting on my credit report in accordance with this provision.

I have attached documentation that shows that the child support reporting on my credit report is inaccurate. I request that you promptly investigate this matter and correct any errors or inaccuracies that you find. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

My credit card payment was due on XX/XX/year>, and I had set up an automatic payment for that day in advance. However, when I logged into my bank account on XXXX, I saw that the payment had not been made. This resulted in an overdue balance on my credit card. As soon as I noticed this, I immediately paid off the full amount.

However, they charged me a late fee of {$29.00} and interest of {$290.00}. I contacted them to dispute the charges, and they agreed to refund only the late fee, but not the interest.

I find this quite unreasonable. First of all, I didnt intentionally miss my paymentI had set up the payment date in advance, but for some unknown reason, the payment wasnt processed. I also made sure that there were sufficient funds in my checking account to cover the credit card payment.

Secondly, I have been a customer of this credit card for six years, and my payment history has always been excellent, with no negative records. I dont think this is the right way to treat a loyal customer.
Product: Debt collection

MoneyLion is reporting an account on all 3 of my credit bureau reports claiming I owe {$1000.00}. I never opened an account with MoneyLion and believe this is the result of identity theft and fraud. MoneyLion attempted to take close to {$1000.00} out of my XXXX  checking account in early XXXX  2021. I had to close my checking account as a result. I demand that MoneyLion provide me a copy of the signed document so that I may turn this over to my local police department in conjunction with an identity theft report I have already filed with the government. I also demand MoneyLion immediately cease reporting against my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I mailed my dispute letter to Transunion and the letter was returned to my home address saying the Transunion 's address was incorrect, why is that! Attached is the Transunion address provided from their website and also the Transunion address provided by you ( CFPB ), and that is the same address I indicated on my dispute mail. What happen? This shows that Transunion PURPOSEDLY IGNORING MY MAIL, and that is clearly a FTC violation. All the negative items on my account under Transunion MUST be deleted.
Product: Credit reporting or other personal consumer reports

Just recently disputed this account for several inaccuracies as it relates to payment received, the conflicting account status and account information, and requested a 1099 since the debt has been written off by the creditor. However, on XX/XX/year>, the creditor XXXX responded to the complaint and boldly stated that they would continue to report this account onto my credit as both open and charged off. An account can not be charged off and open simultaneously. Per 1026.11 Treatment of credit balances ; account termination, please correct or remove immediately. I am already involved in litigation with the car dealership that sold me this vehicle, the maker of the vehicle and the insurance company for knowingly selling me this vehicle with hidden engine issues. If this is not removed immediately, I will proceed with a lawsuit against XXXX as well for statutory damages as I have disputed these inaccuracies on several occasions with the Credit reporting agencies and have filed a complaint with the CFPB on XX/XX/year>, XX/XX/year>, and XX/XX/year> and the inaccuracies remain. This is a direct violation of the FCRA and CFPB regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  an

d Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

While working in XXXX several years ago I stayed at an apartment complex called " XXXX ''. After fulfilling my lease obligations, I moved back to my home in XXXX were my family stayed during this two year long work assignment. I paid my last lease payment in full, professionally cleaned the apartment and did not think anything else was owed. A month later I went to the apartment complex and turned in my gate pass which I accidentally took with me and took to the day manager, we were friends. At that time there was no information shared on any money owed from my lease and I did n't expect there would be any. I received regular email correspondence from the XXXX complex about social activities and nothing about money owed. Over a year later I started getting collection attempts from National Credits Systems over {$210.00} owed from XXXX XXXX. I called XXXX to find out what was going on but apparently the apartment complex was sold to XXXX XXXX in XXXX and while they had a statement showing {$210.00} was never paid, nobody could answer what some of the charges were far. Nobody was able to help me since they sent the balance due to National Credit Systems. At one point when I was speaking with the collection agency, I identified some items that I may have paid if had known about it but other charges were still not identifiable. I told NCS that I would agree to pay this amount if they would remove the negative remark from my credit score but the agent said she could not. Known of this was my fault yet my credit is penalized for a mistake that the apartment complex made and then correcting this is impossible because it was sold to a residential management business. A consumer should never have to pay for something that they do not owe and to be penalized for this {$210.00} does more to protect business than protect consumers. The burden of proof that all attempts to contact the consumer who is alleged to have not paid for something owed should be on the business. I was not called nor did I get any communication on the amount owed in my email account. I did not leave a forwarding address because I did not want " junk '' mail to follow me home. Too much already. How do I get National Credit Systems to remove this record from my account.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against LVNV FUDNING for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, cash app failed to take time and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, and they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have call significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. In 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.