23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter ( sent XX/XX/27 ) stating that I owed {$81.00} to the collection company due to an unpaid toll bill. The toll was {$6.00} with {$75.00} in fees. There is no information as to what the fees were for. I also never received any communications from the toll company stating I had a balance. There is no information in this letter regarding the date of the charge, and not one single statement even alluding to how I could dispute the charge. 

So they are missing : Date of the original charge Proof the charge is valid Itemized list of fees Any dispute information including who to contact to dispute and what the 30 day date is. 

The only information is the amount owed, who it was from, and how I can pay.
Product: Payday loan, title loan, personal loan, or advance loan

To Whom It May Concern, I am asking that you review this case again before closing it. 

You closed CFPB Complaint # XXXX without receiving all of the information from MaxLend about XXXX XXXX XXXX XXXX I would like for you to review the attachments to review discrepancies because according to the application that I am attaching, I do not see a date by name, and in the email from the original lender, this loan is approaching 6 years based on the email received, and to be honest, I do not recall this loan although there are multiple inquiries sent to numerous companies as complaints. I am asking for a thorough review of this complaint again, please based on the attachments. 

I received an email that will be attached to this complaint from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Telephone : XXXX Fax : XXXX Office Hours : XXXX Mon-Fri ( EST ) E-mail : XXXX Current Creditor : MAXLEND XXXX Account Number : XXXX Total Amount Due : XXXX Discounted offer : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a certified letter to TransUnion disputing several inaccuracies on my credit report and requested an investigation. I requested that they provide proof of verification documents retained in their files up to and including contracts or agreements with my wet signature as granted to me by 15 USC 1681g. I further requested that if they were unable to verify the information that it be promptly deleted as per FCRA 15 USC 1681i and attached a copy of my drivers license and social security card. 

By XX/XX/XXXX, I still had not received an update to the status of my dispute from XXXX, XXXX and subsequently submitted a 2nd dispute letter of my personal information and public record as I had learned I was a party in the XXXX XXXX XXXX. 
On approximately XXXX, XXXX, I received the completed dispute. They failed to provide any proof or documentation of the disputed items and simply attached " consumer disputes '' to the disputed items. 
On XX/XX/XXXX I called and attempted to inquire about the dispute letter dated XXXX, XXXX regarding my personal information and public record and the agent disconnected the call. I tried to start a 3rd dispute into the unverified personal information and public record and the fact that they did not provide me with any proof/documentation of how the disputed accounts were verified or delete the name variations or phone numbers and the account is now locked so I can only dispute in writing. I asked to dispute the public record again with proof they verified with the Indiana Court and not a 3rd party such as XXXX that does not have my authorization or consent to report unverified information they collect from their sources and I received nothing. 
I advised that I was affected by the XXXX data breach and it did not matter at all. After 3 disputes, they continue to report unverified inaccurate information and will not provide me with documentation of their verification method.
Product: Credit reporting or other personal consumer reports

I did not give consent or authorize the following inquiry on my credit report : By obtaining my Equifax consumer report on the date below without my permission, or without a permissible purpose by law, this is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) I have not initiated any transaction with the companies below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies below for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX  years, or both. 
Below are the Inquiries that I did not authorize : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 



XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I spoke with a representative who noted my account that I am severely injured and have no current income. I made a smaller payment in earnest to show that I am still trying to keep my account in good standing. I was told to contact them again in 2 weeks with an update on status. Since then they have contacted me daily demanding payment. I have submit a complaint through their system, but the harassment continues. Today ( XX/XX/XXXX ) they even threatened to " keep calling '' until the debt was settled. Furthermore the amount they are requiring me to pay overall is almost double what the agreement stated at the dealership was. I have been paying on time for over 2 years, totaling upwards of {$6500.00}, and when I requested to know how much more was left they gave me a number over {$6000.00}. The car is a XXXX. This is overall four times what the car 's value is. It almost three times the value of when I purchased it.
Product: Credit reporting or other personal consumer reports

I have been trying to get this COLLECTION/CHARGEOFF off my credit report. I have sent in disputes and nothing has been done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached FTC as Ive been a victim of identity theft. Someone use my information to get medical care I believe. The following accounts are fraudulent 1. XXXX Ive never done business with this company or entered into a signed contract. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) $ XXXX {$1000.00} Ive never done business with this company or entered into a signed contract with this company. 
XXXX also added accounts to my credit had been removed from XXXX XXXX XXXX, which was fraudulent and blocked from my account. XXXX didnt give a 5 day notice before adding an this account to my credit which is fraudulent!! 

Please see attached ftc report, as its also a number of fraudulent inquiries on my report.
Product: Credit reporting or other personal consumer reports

I am asking for your assistance concerning this incorrect account appearing on my credit report. This has negatively impacted my reputation, and I require your support to resolve it. The improper handling of my credit report has caused me considerable distress, and your inaccurate reporting has damaged my standing. These inaccuracies must be corrected for the sake of my familys well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX on XX/XX/22 about two inquiries. One was from XXXX XXXX and one was from XXXX XXXX. I contacted XXXX XXXX at XXXX XXXX and he said someone had submitted an application for auto financing online. The dealership is in IL and I am in TX, I did not apply for financing with them. He said he ran the application through XXXX XXXX as well. He canceled the application and advised me to dispute the inquiries. I disputed them and in less than 24 hours, I got a response from Equifax indicating the inquiries would be on my credit report for the next two years. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I want incorrect information to be deleted that does not belong to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

COMPLAINT AGAINST XXXX XXXX On XX/XX/XXXX, I paid {$150.00} as monthly payment to my XXXX XXXX account and on XX/XX/XXXX, I paid {$180.00} being my balance on my card.After processing the deposit of {$180.00} my balance was XXXX in terms of payment and my credit card balance was $ XXXX.Since that date there was no further transaction on my part. In XXXX I noticed a charge for a late payment of which I confronted them over the telephone. They explained to me that I did make any payment on XX/XX/XXXX which of course I did. Later they withdrew {$15.00} late payment of which they have already taken {$35.00} as late fee. What about the remaining $ XXXX I also saw another charge of which I asked them and they informed me, it is the yearly charges. I disclosed to them that since I paid all my balance, I have not engaged in any transaction so why charge me yearly charges at that time. I asked them to show me previous dates that I have been paying the yearly charges but they could not provide me the information. I later received a mail from them that I have a new balance of {$150.00} and that I should pay a minimum payment of $ XXXX that I should pay today XX/XX/XXXX.Yesterday I then checked my account online and saw changes that are quite different from the mail I received. On my online account I now have a new balance of XXXX and that I should pay $ XXXX on XX/XX/XXXX XXXX.Why the sudden changes? Why the information in the mail is different from the information that is on my online account. So between XX/XX/XXXX when I paid up everything with my balance standing at $ XXXX to now XX/XX/XXXX without engaging in any transaction, my credit balance is XXXX.Now I see on my credit report a balance that is to be paid by them after I have already closed my account. I did similarly with XXXX XXXX XXXX and they did not come back to be stating that I owe them.
Product: Credit card

The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the XXXX so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items reported on my credit report. Pursuant to the Fair Credit Reporting Act, specifically U.S.C. 1666b, I am challenging the accuracy of this information. The information appears as a result of identity theft. I have been a constant repeat victim of identity theft dating back to before 2018. It is documented, I have police reports and FTC reports along with other supporting documentation. This information was submitted and ignored and the items in question, which are surely not mine, still remain on my credit report. I am currently in the process of attempting to get a house and this is a huge problem/obstacle that needs a solution as soon as possible. I have sent multiple letters explaining this information and have not been able to get any assistance for months. This matter has been negatively affecting me for more than 6 months. My last letter was mailed earlier this month. 

I am requesting that Experian, XXXX, XXXX, and any other relevant credit reporting agency re-investigate this matter and remove/block the inaccurate accounts along with the corresponding information from my credit reports. As stated in U.S.C. 1666b, I am entitled to have any incorrect or incomplete information corrected or deleted from my credit report as an victim of identity theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, and several other times, I initiated a dispute concerning inaccuracies found on my credit report. This was my first communication regarding the issue, and I sent letters to all relevant credit reporting agencies to raise my concerns. 

Upon receiving responses from the credit bureaus, I learned that XXXX was identified as the furnisher of the disputed information. How I dont have a clue due to permissible purpose and no written consent. However, when I contacted XXXX for clarification, they stated that the court system was the actual furnisher of the information in question. 

To further investigate, I reached out to the court system directly, only to find that they confirmed they do not furnish any information to XXXX. This contradiction suggests that there is misinformation in the reporting process, leading me to believe there is a breakdown in accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX dealership on XX/XX/XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XX/XX/XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XX/XX/XXXX, I call the Toyota dealership and they said they could not remove these inquiries from my credit report. Toyota made car loans applications on my behalf without me knowing. I also called the financial institutions Toyota made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. Toyota Corporate and Financial department refused to, claiming they could not do anything.
Product: Student loan

I was put in to forbearance a few times over the years without anyone explaining that interest is still applied ot the account. While they were happy to help me short term, no one thought to tell me what would happen later. Ive had wages garnished, and through all that, the amounts owed really never went down. I'm stuck in a loop here. I havent made any payments in a while, and loan payments are supposed to be frozen but my credit report goes up and down and these loans are listed as part of the issue. 

I can not afford to pay these loans. What do I do??
Product: Credit reporting or other personal consumer reports

XXXX is reporting an inquiry from XXXXXXXX XXXX from XX/XX/2023. I have not authorized this inquiry neither or has a business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I was recently able to sign in to view my credit report since I been XXXX  for XXXX years XXXX to XXXX I have all the proof of XXXX  I can include it when you you contact me about this matter. So basically some has my info and is doin fraud with my account so basically anything between XXXX - XXXX of XX/XX/XXXX was when I was released from XXXX  and I been tryna build my cridit to be able to get a car and I come to find out this can you plz help me resolve this matter thank you my XXXX XXXX
Product: Payday loan

My matter is not a payday loan but I was instructed by your representative to select that option. I received a notice of a lien on a vehicle that I have already transferred ownership of. I contacted the company to inform them that I was not the registered owner and they informed me that there was " no way to get out of paying the money to them. '' They told me that because they 're documents stated I was the last owner I would have to pay the fee. I informed them that I had the receipt of transfer of ownership that I filed with the XXXX, they informed me that that would not be acceptable proof. I spoke with a XXXX representative and they informed me that my recite of transfer of ownership should be sufficient enough. I contacted the company again while at the XXXX and the lien company representative said I would have to " order a XXXX $ XXXX and request for record, fill out section C '' and mail that to the XXXX in XXXX. He continued to detail an extraneous process of proving that I am not the owner of the vehicle which the XXXX continues to inform me is not necessary as I have a physical receipt. The lien company representative threatened that my credit would be negatively effected because they would put the balance of $ XXXX on my credit if I did not pay the lien for the vehicle. The XXXX informed me to file a complaint. The total amount of the fee is {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account late payments since XXXX. I contacted them regarding late payments showing on my account..due to being misinformed by their customer service reps. I was told if I made partial payments due to financial difficulities at the time, I would not be reported late to the credit reporting agencies!! This was a lie! I have been with this company and asked that they remove one late payment ... instead they go back to 2014 and add three late payments causing my credit scores to dip. XXXX XXXX is a horrible company which do not work with their customers at all. I have called, sent letters.. no avail. After doing research.. just XXXX  XXXX late removals .. they are known for this. There are less than six payments on this account and because their representatives misinformed me.. securing a mortgage has been difficult.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The following details are not related to me, and I have no connection to them. I kindly request that this information be promptly removed from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, HI, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, HI, XXXX, XXXX XXXX XXXX, XXXX, HI, XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX
Product: Vehicle loan or lease

As my lease was coming due I received an incentive from Ally Financial to purchase the vehicle with a {$4500.00} discount. I decided to purtchase the XXXX XXXX XXXX I was advised to contact XXXX to refinance the auto. They are powered by Ally Financial or XXXX XXXX or both. We went back and forth with financing partly due to arriving at a value for the XXXX since it was an electric car. 

XXXX came back with an offer and I felt I could do better with my credit union. I did get financing and I closed the loan and the payoff check was mailed. 

During the process I started getting phone calls from Ally. The number was XXXX and her name was XXXX. I believe that was her direct line. 
I called her countless times and kept her up to date on what was happending and even requested a payoff on two occassions. We were past a couple of months past the termination date. I have no idea what the connection is between Ally and XXXX but they cleary are n't on the same page. 

On XXXX XXXX I got a hold of XXXX in person ( returning her call ) and told her that I had closed on the loan and check would be on its way.She was very nasty and threatened that she was going to take back the vehicle regardless. There were some delays on my part due to a family XXXX and adverse medical situation I gave have her my loan officer and the institution so she could validate I went back to the bank on XXXX XXXX and learned that my loan officer was out of the office and would be back on XXXX XXXX. I went back on XXXX XXXX and completed the paperwork. I had my loan officer call and leave a message that the check was now on the way. XXXX did confirm that she left message on XXXX XXXX, XXXX at XXXX. She further indicated having prior discussions with Ally to validate the payoff in accordance with credit union guidleines. 

On XXXX XXXX, XXXX at approx XXXX to XXXX XXXX my car was involuntarily taken back. Obviously a malicious action given the above discussions and that the loan was paid off. 

Right now I would like to know where my car is and I want it back I will mitigate my damages in a different forum
Product: Checking or savings account

I sold my home and my lawyer deposited my check from the title company on XX/XX/23 to Bank of America at a local branch. I received a copy of the deposit slip that it was deposited on XX/XX/23. The deposit slip even says {$5300.00} will be available to me on XX/XX/23 by XXXX, and it is not. The bank did not log the deposit it until XXXX on XX/XX/23 and have a hold on my funds until XX/XX/23 when I have proof from the title company that the funds have been cleared from their account. I have called and spoke with 3 supervisors and I am told there is no way to remove the hold, even though the money is now there. This is not right, the funds have been taken from the title companies account and they will still not release the money stating they have to validate the funds, which has happened since the check has cleared, and in case the check gets returned, which cant happen since BOA now has the funds and it has been processed.