23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have a car loan with Prestige Financial. They are a predatory lender and I believe they have been involved with criminal activity by defrauding me for the past XXXX years while I was making my loan payments. For XXXX years I have paid my loan and not XXXX has went to the principle. They have charged me so many fees that its impossible to pay off the loan. I have stopped making my payments and informed them that all communication will be done in writing which they do n't want to do. I will not talk to them on the phone because they lie and like to twist the truth so I want all communication to be done in writing so i have a record of what is said, which they do n't want at all. I told them I want to go to court to let a judge decide what is fair. They have called and continue to call my family, friends and my Jb. My job has let me know that they are harassing them and calling them numerous times a day. I have been in contact with prestige and demanded them to stop contacting my employer but they still do n't, and they keep calling them to strong arm me into a solution to benefit only them like the XXXX would do or a criminal organization. This is a strong arm attempt trying to force something on to me which I believe is illegal and not fair. I have explained to them that they can contact me any time by email, text or mail. They send them threating text 's all the time and I told them to file court papers because I am ready to go to court. They have also called my son and told him they will have him arrested which is completely against the law and they are lying to him to scare him. Because they are a predatory lender they do n't want to go to court and face a judge they just want to continue to harass me when I have made it clear I want to go to court. I believe they are in violation of the law to continue to contact my employer which could get me to lose my job and to harass my friends and family when they can get a hold of me, but they choose not to do it in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My charge off account from 2013, has been listed on my credit report multiple times, the company World Acceptance, Wfc, World Accep, is the same company but they report they transferred it only to add a charge off again and lower my score. 
I have disputed this account with the credit bureaus and World acceptance has Responded with it's correct information, which means they lied and I can file a lawsuit I want this off my credit report, they need to be investigated, they did this to my wife also.
Product: Credit reporting or other personal consumer reports

Ive never done business with XXXX, Ive sent over in writing asking them to tell me how they verified the information with the credit agencies and I have heard nothing its been over 2 years since Ive asked them
Product: Checking or savings account

Someone paid me money using Chime. The email notification I received said I could claim my money by " use any valid XXXX debit card to claim your money instantly, and securely. '' However, it also gave me the option to open an account. I thought it might be a useful feature to be able to pay people via this method, so I signed up for an account. I went through all the required steps including scanning the front and back of my driver 's license and taking a selfie. 

The next day I get an email saying my account is suspended and that I need top verify my identity. The fact that there was a problem with something I had already done, and before I even got started with the account did not fill me with confidence. So I requested that my application for an account be withdrawn and that my money be paid to me using a valid debit card. 

However, they refused. They said I had to verify my identity again before the suspension on my account be lifted so I could get my money. 

I told them I do not want an account with them and I am certainly not going to verify my identity with them again, just so I can close my account. I certainly do not feel comfortable them having my information if they " lost '' it once before. 

I spent almost XXXX minutes on the phone trying to sort this out before the person hung up on me. This further reinforced my decision that I do not wish to have to deal with this company any more than necessary.
Product: Credit reporting or other personal consumer reports

Equifax is inaccurately reporting two accounts and balances that do not belong to me : a XXXX XXXX account and a XXXX account. These accounts are fraudulent and are clear cases of identity theft, causing me serious harm. I assert that these accounts and balances are not mine, and I demand immediate action to rectify this issue.
Product: Credit reporting or other personal consumer reports

Disputes were not properly investigated and removed from my account. Even after I gave proper paper work and explanation. The same accounts I disputed were removed from other credit reporting agencies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding incorrect items on my report well over 30 days ago and I have not received any investigation reports/results. The dates for XXXX XXXX do not align and I have more inquiries than possible.
Product: Credit reporting or other personal consumer reports

Hello I contacted Lexisnexis in XXXX  about a public records credit freeze. Due to my being a victim of XXXX XXXX. They sent me a notice letting me know that they would comply with my request but has failed to do so. I have reached out to them multiple times only to never be able to speak with the Special XXXX XXXX  Debt nor do they return my calls. I have also been hung up on multiple times. I ask that your agency conduct an investigation into this matter.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal and final demand for immediate action regarding the unresolved inaccuracies and invalid items on my TransUnion credit report. Despite multiple disputes and clear requests for resolution, these matters remain unaddressed. Your continued failure to comply with the Fair Credit Reporting Act ( FCRA ) is unacceptable and has caused ongoing harm to my creditworthiness.
Product: Credit card

Costco Wholesale Club has changed credit cards accepted from XXXX XXXX ( XXXX ) to Citi Bank XXXX XXXX. When I joined Costco, I was not given any choice as to the credit card I was required to have as the XXXX account was required to bill my membership. Recently Costco/XXXX opened an account with Citi in my name, forwarding all of my personal credit information ( name, date of birth, social security number, address ) to Citi without my knowledge or approval. 
Upon discussion with Costco, they informed me that when I signed the agreement with XXXX, it had a clause that allows XXXX to sell my information to any credit card company. When I joined Costco, I was required to get an XXXX account to join the club. Again, this was not my choice to open an account, but I wanted to have a Costco membership. 
When the XXXX bill for my Costco membership came to my home, I paid the membership fee to XXXX. A month later, I got a bill from CitiBank that had several transactions in the bill, and an outstanding balance of {$.00}. When I called CitiBank, they informed me that the payment was late. I immediately canceled the card.
Product: Debt collection

Back in XX/XX/2023, I cancelled XXXX XXXX insurance to switch over to XXXX. I called XXXX XXXX company to informed them about my cancellation. I also logged into the website and cancelled the policy in my account. However, XXXX XXXX did not cancel my policy but they let my policy remain active until XXXX. Then they charged me for around XXXX dollar for service during XXXX, XXXX, and XXXX. I made it clear with them when I cancelled my policy is that I don't need it anymore. I wanted to cancel it. They did not cancel it for me and now they say I owe them for service during those months. They even send debt collector after me for something I did not owe them. I really made it clear that I wanted to cancel my policy because I switched over to XXXX and I have my insurance policy with XXXX from XX/XX/2023 as my proof of story. 

As you can see from the attached documents, I moved to another state in XXXX and started a new insurance in the new place. I never needed to renew with XXXX XXXX. However, they did not cancel for me when I contacted them. They let the policy remain active for a time and charged me for the service I never requested. This is unethical. Please help me with resolving this issue. 

Please help me resolve this issue and stop this unethical practice of XXXX XXXX company.
Product: Debt collection

Dear RADIUS GLOBAL SOLUTION, I am writing to formally request validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt, and I am exercising that right. Please provide the following information : The amount of the debt you are attempting to collect. The name of the original creditor to whom the debt was owed. A copy of the original signed agreement or contract that created the debt ( if applicable ). A detailed breakdown of how the debt amount was calculated, including any fees, interest, or other charges. Proof of your authority to collect this debt ( if you are a third-party collection agency ). Please note that you are required to provide this information within 30 days from the receipt of this letter. During this period, any further collection activity must cease until the debt has been properly validated. If you fail to provide the requested documentation or if this debt is found to be inaccurate or unverifiable, I expect the debt to be marked as " disputed '' and removed from my credit report. Please send the requested information to the address listed above. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EQUIFAX : XXXX XXXX XX/XX/year> My information may have been impacted by the Equifax, XXXX and XXXX Data Breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent *Personal Name : XXXX XXXX XXXX XXXX. 
*Correct Address : XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX *Account Name : XXXX XXXX Account number : XXXX, *Account name : XXXX XXXX XXXXXXXX, Account number : XXXX, *Account name : XXXX XXXXXXXX, Account number : XXXX, *Account name : XXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXAccount name : U S DEPT OF EDXXXX, Account XXXX *Account name : XXXX XXXX  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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX XXXX  and defamation of character along with 60 plus days of no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit card so i can help my mom and I was denied. I checked my credit and its accounts on there I know nothing about. Please remove these from my credit Account with no name account # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX. Its inquiries as well that I again dont know where they come from 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. I have contacted the FTC and local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should be removed from all 3 credit Bureaus. The dealership XXXX XXXX falsified the credit application to get me financed. My income is XXXX a month the dealership reported XXXX a month. We submitted this information to the finance company and have not heard back from them. We want all 3 credit bureaus to investigate by requesting documents, not just a signed falsified application. But submit proof of income provided to finance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have viewed my credit report and have noticed inaccurate items such as inquiries tat I did not authorize on my credit report
Product: Checking or savings account

BBVA Compass is refusing to do an investigation for an ongoing dispute lasting several months. I have two unauthorized debits that I have brought to their attention that they are inwilling to investigate. I have been calling their customer service, fraud departments and have sent mail to their headquarters. Now they are claiming that I waited too late so I can not ask for a refund. If they actually investigated when I brought it to their attention ... .it would have easily been within the timeframe. So I filed an ID theft affadavit and a police report so they could not deny seeing it. In case it seems hard to believe, this exact same thing has happened before. I had to file a police report and a cfpb complaint another time because BBVA went SIX YEARS without investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/XXXX, XXXX and TransUnion are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For TRANSUNION 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. Validate Account XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

You XXXX XXXX  have furnished inaccurate information to a Consumer reporting Agency/ChexSystems The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

You and your inaccurate reporting have damaged my livelihood.

15 USC 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies DUTY OF FURNISHERS TO PROVIDE ACCURATE INFORMATION PROHIBTION Reporting information with actual knowledge of errors 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.

DUTY : A moral or legal obligation ; a responsibility.

ACCURATE : Correct in all details, exact. 

PROHIBITION : A law or regulation forbidding something As Defined by the IRS. 

According to this law on XX/XX/2019 - XX/XX/2019 you furnished inaccurate information to a third party who had no part of this credit transaction ( 15 USC 1605 ).

Without permissible purpose.

In addition to this violation you have also violated my privacy right of consumer law ( 15 USC 6801,6802, and 6803 ).

15 U.S.C 1681s-2 ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- The persons been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and The information is, in fact inaccurate. 

I XXXX XXXX opened up a business account with XXXX XXXX. You, XXXX XXXX, chose to open up a report with Chexsystems Report on an individual associated with the account, such as the LLCs authorized signer or the sole proprietor. Because the report is ordered on me the individual and the report meets the definition of a consumer report under the FCRA, the FCRA would apply. 

In conclusion I have shown that you have been put on notice and that you are reporting inaccurate information. The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of the law 15 U.S.C 1681s-2 of your responsibility as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to CURE and DELETE this erroneous, inaccurate account from my consumer report.
Product: Debt collection

Allied Collection Services, LLC has contacted me 4-5 times a day from various phone numbers and they will only allow the phone to ring once before disconnecting. Forcing me to call them back thinking it is a legitimate call. The one time I did speak to somebody from the company they told me I owed a debt regarding a payday loan that I do not recognize. When I stated as such I was told " I 'll take this as a direct refusal and when this shows up on your credit report feel free to give us a call back. '' to which the operator disconnected the call. I attempted to call back and nobody answered. On that same call I requested a Validation of Debt letter but never received one. The rep never confirmed my address or validated whether they would send one. They have posted the entry on my credit report now tw ice to the same credit report, showing as  XXXX  different entries. This action is highly illegal.
Product: Credit reporting or other personal consumer reports

( 15 u.s. Code 1602p ) The term " unauthorized use, '' as used in section 1643 of this title, means a use credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

( 15 USC 1692b ) Not state that such consumer owes any debt ; Analysis a debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him, and the collection laws of his or her state allow the same.

Telling a 3rd party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business. 
" XXXX XXXX XXXX  '' CAN NOT PROVIDE A CONTRACT PROVING ANY BUSINESS I HAVE DONE WITH THEM. I DO NOT OWE ANY MONEYS TO SAID PARTY.

15US CODE 1692J ( A ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating
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 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 States : 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 antedates the report by more than 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 cause to believe that the information is inaccurate.
Product: Debt or credit management

Lexington Law charged me a subscription fee of {$60.00} a month for 2 years promised me results but i never received any results tried to contact them it was very hard to reach someone and when I did, they would just hang up on me.