23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
US DEPT. OF EDUCATION/XXXX # 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 an 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: Money transfer, virtual currency, or money service

Selling items on XXXXXXXX XXXX XXXX Fraudster posing as a Zelle representative had me transfer debit funds to set up a business account through Zelle which Im currently disputing with my bank ( usaa ) this individual is currently active and answering calls at XXXX ( XXXX ) XXXX. Not an actual Zelle representative.
Product: Credit card

On XX/XX/year> I cashed out my earnings from a survey site called XXXX XXXX. I was compensated with an American Express XXXX XXXX XXXX. They lead you to believe you can use it anywhere AMEX is taken. You literally can't use this card anywhere. I have tried so many places. I looked it up online and many people have had the same issue and that is how I ended up here. 

Here is the card info : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

REMOVE XXXX ACCOUNT FROM CREDIT FILE THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME REMOVAL LETTER ATTACHED
Product: Debt collection

This was a joint account with my husband. This collection was removed from all 3 of my husbands credit reports because it was fraud but it still remains attached to me. On XX/XX/XXXX, I contacted IQ Data International via email per companys request and to verify this debit. I never heard back from them. I constantly called to ask the status of the verification and I was constantly told it hasnt been checked yet. I still received calls about this debt that I do not owe. On XX/XX/XXXX, I disputed this account with XXXX and XXXX. XXXX had no knowledge of the debt and XXXX deleted it due to it being investigated and its not my debt. For whatever reason, XXXX has come back verified. I also received a letter from IQ Data telling me that why will not investigate this anymore because its verified as my debt but they have yet to send me any proof that its mines. Ive been fighting this debt long enough and I need this deleted from my XXXX report as it is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : LATE PAYMENTS TO XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the credit bureaus all the information they claim they needed and they still have not properly investigated and made the proper changes. I sent all of my personal information and verifying documentation as well as detailed account information on all accounts that are falsely reporting. They must remove this false information from my credit reports as soon as possible. This is causing me a great deal of stress.
Product: Consumer Loan

I did not know of predatory lending and was given a loan even though my income was not enough to cover the monthly payments and sustain daily living expenses. I have paid {$400.00} a month for 2 years and still owe the same amount in which I purchased the car for. I was also asked to pay a {$2000.00} down payment and it was not applied to car.
Product: Debt collection

This company has been contacting me via text and also furnishing false information to my credit report. This has stopped me from being approved for first time home buyer program. I have contacted the company several times and they will not reply. I am not liable for this debt of {$5200.00} with AWA COLLECTIONSXXXX XXXX XXXX account number XXXX I do not have a contract for funding or services, they did not provide me with the original contract with my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them the XXXX of XXXX and talked to them about the payment that was past due. They told me as long as I made partial payments that they would not report to my credit. I made {$100.00} on the XXXX, XXXX of XXXX I made {$400.00}, XXXX of XXXX I made a {$1400.00} payment. I made these payments under the direction of them to keep any 30 day lates from being reported. If I would have known that a 30 day late would have been reported I would have made different arrangements to make the payment. I felt that I would be good being directed by the representative on the phone on what was best to do to keep my account in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my XXXX report and noticed alot of inquiries I didn't authorize nor did I get any accounts with these inquiries.1 ) XXXX   XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX   XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX    XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 8 ) factor trust   XX/XX/XXXX, XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 10 ) XXXX XX/XX/XXXX, XX/XX/XXXX 11 ) Factor trust XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 12 )  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I did not give permission for these places to pull my credit report. According to the fair credit reporting act section 604 these inquiries are not allowed and should be removed. as they do not have my signature or permission.
Product: Vehicle loan or lease

Hyunday Finance USA company are charging additional {$270.00} not credited in my principal. I had contacted several time the finance department about this discrepancy they never got back to me with the answer.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$990.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX Acct # 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 Had violated my rights.

15 U.S.C. 1681 section 602A 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021.
Product: Credit card or prepaid card

JPMCB Slate Card XXXX Opened XX/XX/XXXX Closed by Creditor XX/XX/XXXX Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Made 89 % Payments on time, percentage was higher at time of closure. Recently became aware that account was delinquent and had been closed. 
Found this out after a rental company pulled my credit report. Due to this card and another closed by Chase Bank who reported several delinquent marks, my credit has dropped significantly. I am unable to rent any properties due to this. This acount to the best of my knowledge had been set up for automatic withdrawl for at lease minimum payment. I do not see the withdraw from my checking account nor application to Chase account. All negative marks still appear on credit report, along with amounts considered as due now. 

XX/XX/XXXX I spoke with customer service at Chase Bank with attempt to resolve the negative marks. I brought to attention that my account had always been on time until, unbeknownst to myself that the automatic payments had stopped being withdrawn. I was unaware of this, and want to make this right with the company. Customer service told me there was nothing they could do to help me. On Chase account online, there are no No notices or letters on my account. There are also no branch documents. 

I am a nurse that makes a great living. I am honest and want to make this right, I feel like this was out of my hands and I was unaware of the situation. Now I am unable to secure a place to live do to these negative marks. 
The creditor did not help at all.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX at approximately XXXX I called Wilshire Consumer Credit to inquire about my recently repossessed XXXX XXXX XXXX XXXX XXXX ( VIN XXXX ) fair/good condition XXXX miles. I was notified that my truck was already sold for about {$5200.00} at a private auction. 

I was never notified of this sale by mail or phone, and the price it was sold for is SIGNIFICANTLY lower than any used vehicle value on this by at LEAST XXXX %. Even after calling XXXX they refused to provide any documentation on the sale or why it was sold at such a low value. 

The original loan amount was ** $ XXXX approximately XXXX years ago. Thousands of dollars in payments were made to XXXX. They stated AFTER selling my vehicle at an extremely under market value AND not providing me any info, that I STILL OWED over XXXX XXXX dollars that they charged off. 

This is absolutely beyond criminal. The amount of damage they have caused to my family ( husband and XXXX  children ), is beyond enormous. After paying them thousands of dollars on the loan at an 80 % interest rate they still continue to destroy my credit saying I owe them money. I only received this loan as an emergency to assist with paying a few months of my mortgage. Every time I call them they hang up if I or my husband ask simple questions. They will not provide me with auction info detailing the sale of the truck or etc. A few months prior they offered to settle the account for a little over {$6000.00}. Now that they have sold the truck without providing me a chance to even be there at the auction they are stating that offer is not valid. In total on a {$5500.00} loan they have received payments AND sold my truck for over {$10000.00} and they are still stating I owe more than {$5000.00} Please contact me via email or phone with any help for this. If this isnt criminal I dont know what is. I acknowledge I was struggling and missed multiple payments over the two years, but they repossessed my vehicle multiple times XXXX to XXXX  days of missed payments. Added in repossession fees and costs every time making it IMPOSSIBLE to pay off this 80 % interest loan for me after paying all fees and repossession costs multiple times. The blue book value of my truck is between {$14000.00} and {$17000.00}. They sold good condition perfectly running truck for a little over {$5000.00} ( allegedly ) without providing any auction information to my address which has not changed in 5 years. Upon calling XXXX and XXXX towing I still have not been provided any documentation on the sale. I was allowed to retrieve my property from the truck one time about a week after they towed it. I had mounted charges and after market lights they never allowed me to retrieve in the truck. At the tow yard no documentation or any information about the sale was ever given.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Credit Acceptance on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Credit Acceptance took cash. The Finance charge is supposed to include insurance, Credit Acceptance made me purchase my insurance separately.
Product: Credit reporting

On XX/XX/2016 I started my dispute with XXXX regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Experian deleted all except for the bankruptcy. However, they did not provide any documentation verifying my signature on this bankruptcy. They stated verified but provided no evidence of how it was verified. I then sent another letter on XX/XX/2016 to Experian to validate this information and provide me with copies of documentation associated with this account. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In response to this letter, Experian states they have verified the bankruptcy. However, they did not provide any documentation verifying my signature. They stated verified but provided no evidence of how it was verified. I 've attached my letters to the credit bureaus, their correspondence, certified letter receipts, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against this agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1987 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious OLIVER ADJUS XXXX OLIVER ADJUS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/19XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I was notified by credit reporting that their was a negative entry on my credit report. I am a member of all three reporting agencies in addition to XXXX XXXX  XXXX provided to me by United States Government. I found that this company was reporting a collection for a ( Open ) account with my electric company. I had already worked this out with XXXX my electric company. I am paying them. 
I had Never received any thing from this collection agency until I filed a complaint with NM Attorney General Office then a couple weeks later I received a two line letter from collection company. I have NV Attorney General and NM Licensing & Regulations investigating. All this collection company did is Laughed about Attorney General.
Product: Debt collection

I have received settlement offer letters from Client Services , Inc. ; XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX all offering settlements for an account with XXXX with XXXXXXXX XXXX They have all offered different amounts for settlement. Client services never even stated the amount owed on they debt they were trying to collect for. they just offered a settlement They have never provided any documentation about the debt owed, any signed contracts of the debt owed, or proof that the debt belongs to me by original creditor. Each one has/had called every single day multiple times a day.
Product: Debt collection

On XX/XX/2019 of collection reported on my account/collection letter sent to me, AD Astra add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : auto loan not mine XXXX XXXX Reported : XXXX XXXX, 2022 {$1600.00} Needs Attention FCRA Violation : Collection not mine XXXX XXXX XXXX XXXX FCRA Violation : address not mine XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have the information removed from my credit report, and equifax keeps sending me information that the reporting company should have sent to my medical insurance company. When I became XXXX in XX/XX/2010, I have had Medicaid, and medicare. (XXXX XXXX XXXX) I lived in Florida at that time They should have billed the state of florida and XXXX XXXX XXXX. Each Time I complain The send me a letter which means nothing to me. it purports to show the information proving that I owe them however it does not show where the State of Florida or XXXX XXXX XXXX   was billed. and now another medical bill is showing on my credit report. it was removed on XXXX, and XXXX   which, a dispute was filed today, however equifax doesnt allow me to go further than paying for their service
Product: Mortgage

I was approved for a XXXX bank statement through American Financial Services and broker out through XXXX XXXX XXXX .The loan officer just told me on XXXX XXXX after everything is good and under contract that XXXX XXXX not going to do the loan due to 5.75 interest. He wanted to sign a contract under his company American Financial Services and do it for 3 percent interest .But I'm buying it per loan officer says. I contacted XXXX  and my loan is still active. He lied to me. I have email the his supervisor and contacted CEO of this company. Waiting on answers .I also contacted XXXX XXXX management and waiting on answers. This has been a nightmare to me and my fiance. I will persue legal action against this company.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION