23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 CREDIT ACCEPTANCE CORP 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 CREDIT ACCEPTANCE CORP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for  the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to Equifax Information Services on XX/XX/2022. To provide me with documentation that I entered agreement with XXXX XXXX XXXX or XXXX XXXX XXXX for the amount of {$1100.00}. They have not provided me with the verification of the original signed consumer contract within the 30 day time period. Therefore, since they can not provide verifiable proof of any contract in the amount {$1100.00}. I ask them to immediately delete and remove all collections from all 3 credit reports related to XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit card

I am a Citi XXXX user. On regular basis, I pay my dues and use the card for most of my transaction. For two simple reasons I use this card regularly. 1. I want to use one card, so that I can check my expenditure on regular basis. 2. cash back offer of the card. 
I paid in total XXXX ( XXXX ) last Monday ( XXXX/XXXX/16 ). 
I have a credit limit of XXXX. I had to pay some insurance bills, which is around XXXX. And earlier I had dues of XXXX. So I paid my dues as I do always & after paying, I wanted to pay my Health insurance bill and it was rejected. 
I tried to call, msg, email. But every time different answer. 
No one gives me proper solution. 
Now I received a reply where they are saying The payment of XXXX is on hold. There msg reply given below : " Our records show the hold on your payment will be removed from your account on XXXX/XXXX/2016. You should have access to these funds on XXXX/XXXX/2016. '' I would also like to add, today I have direct deposited ( Which I always do ) from my checking account XXXX. Now in all together my dues XXXX. But available balance still showing XXXX as earlier. 
They are not providing proper solution and I am stuck.
Product: Credit card

I was a victim of fraud by scammers in XXXX XXXX and I sent proof of the fraud to AMEX. The scammers charged my AMEX card for goods I NEVER RECEIVED and showed AMEX proof of this fraud. AMEX accepted fraudulent receipts from the scammers and would not remove the charges. I asked AMEX for the contact information of the scammers and they refused to give it to me. I wanted to find the scammers and put them in jail but AMEX refused to give me their address, phone, email, etc. The scammers have fraudulently charged my AMEX account {$23000.00} and AMEX just charged me {$530.00} interest for this last billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I C System Inc. formally XXXX XXXX XXXX XXXX XXXX states that I owe them XXXX. I do not owe them any money at all. I told them to cancel XXXX XXXX and the account and they did cancel it and they still charged me XXXX which they say that I owed them which I never did.I told them I did not owe them any money and they said I did. I do not owe them any money and will not pay them. They constantly were going against their word and constantly charging me money I did not owe them. I cancelled the account and they continue to report on my credit history. I do not owe them anything. Take this illegal reporting of my credit off my credit report. It is being reported twice by I C System INC and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding inaccurate and improper reporting on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting the removal of all late payments and negative account statuses due to data breaches involving XXXX XXXX, Georgia, and XXXX, which compromised my personal and financial information. These breaches have raised concerns regarding the accuracy, integrity, and unauthorized use of my credit data. 

Additionally, pursuant to the protections afforded under bankruptcy law, no accounts should be reported as delinquent, charged-off, or otherwise negative, as they were included in my bankruptcy filing. Reporting such accounts as delinquent
Product: Mortgage

Payoff of a XXXX Streamline refinance on XXXX. 
I want CFPB to investigate which loan was actually paid and by whom. If this balance was added to my home loan or included in the XXXX modification XXXX just transferred to XXXX Wells Fargo foreclosed on my duplex. 
I believe my loan was paid in full. 
I believe there was enough escrow leftover to pay it. 
I believe they were servicing a XXXX mortgage that had already been refinanced in XXXX I believe they gave the escrow I had already paid to XXXX. 
I believe I paid them 81 months of interest on my own money on loan I did n't even owe I also believe the money I gave to XXXX was then paid to even ANOTHER sercier I KNOW I overpaid. 
I further believe that the loan modification on my house included both the beginning balance of the real loan on my duplex. 
includes the ending balance of the FAKE Wells Fargo loan. 
I believe they also had enough to pay off a 15 year loan from XXXX plus 3 years to pay escrow back I paid back the XXXX payment ( included in the balance ) to XXXX bank. 
I believe this to be true because they returned three of my payments and accepted a 3rd payment just before the insurance was due. 
I had gotten the XXXX premium reduced with a refund forwarded to Wells Fargo. Another refund went to them from XXXX as of the foreclosure. 
I do not have a truth in lending for this loan. 
It has the same handwritten number XXXX -as a first XXXX loan on my house that has been released twice. 
I BELIEVE WELLS FARGO HAD NO RIGHT TO FORECLOSE STOLE MY PROPERTY KEPT THOUSANDS OF DOLLARS OF ESCROW AND HAS TAKEN NOT ONLY my PROPERTY HAVE TAKEN THOUSANDS MORE OF my INCOME I WAS ENTITLED. 

This complaint is related to a previous one submitted XXXX and I am providing additional documentation of the returned payments.
Product: Credit reporting or other personal consumer reports

*ACCURATE BACKGROUND XXXX XXXX XXXX XXXX XXXX XXXX As a result of my consumer report being pulled from the company ACCURATE BACKROUND my XXXX XXXX with XXXX has been revoked. The information obtained in this consumer report is not XXXX  % accurate nor is it fair or equitable to me having this information available when its not in its complete lawful form according to the congressional findings. 
You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Yall are out of lawful playground. congress makes it clear that the consumer reporting agencies are dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). ACCURATE BACKROUND XXXX XXXX XXXX This transaction even took place it should've been held confidential! violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction ( Which you wouldnt know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. Pursuant to 15 USC 1681s ( d ) ( 2 ) ( a ) ( I ) it should be excluded from my consumer report. and Pursuant to 15 uSc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ( social security card ) Should be excluded from a consumer report. Also these false & inaccurate repors should all be removed from My consumer report PERMANTLY AND DELETED pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these eronius reports from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer I have no contempt charge on my record in fact that case was dismissed as of XX/XX/year> and is false information provided by XXXX XXXX XXXX i never served jail time or received probation. This is adverse action which is a form discrimination and is hindering my abilities to fair and equitable treatment. **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST OF PRIVATE ADMINISTRATION PROCESS ** PLEASE RESPOND IN GOOD FAITH
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX is reporting inaccurate information on A.R.M. SOLUTIONS, INC. ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Isubmitted supporting documentation to Transunion including DL, Ssn number and police report for the identity theft of XXXX XXXX XXXX reporting I owe {$3000.00} for a lease that was not obtained through me. They claim I signed a second lease through an email with XXXX. My email and password and social security number were found in the dark Web this is Identify theft, XXXX  and XXXX has already removed this from my reports weeks ago. I'm requested that Transunion do the same, they are saying that they have not received my documents I've sent them out twice!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer repo furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.
Product: Debt collection

This gentleman called me and asked for personal information without disclosing who he is or what it is he wants. Did not tell me which company he was calling from or who he was representing and would not say so until I gave him my personal information. 

The reason I know the name of the company and what they do is because I got their number and returned the phone call where they said the name of their business on answering the phone and then looked them up on the internet.
Product: Credit reporting or other personal consumer reports

I certified mailed these companies a Debt Validation Letter and they have yet to respond. It has been well over 30 days.
Product: Debt collection

In XXXX of this year the company agreed to accept a settlement for the debt owed of {$4000.00} in six installments of {$670.00}. I've made all installment payments but now they have stated they have sold the debt. I've tried to contact their executive customer service but they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is sabotaging my credit file for disputing as you will seek in the attachments. 

Equifax is stating that none of my accounts have a delinquency or derogatory status in green, on the same page in red they claim i have too many delinquent or derogatory accounts! 

Contradictory reporting! Fix my status and give me back my excellent credit score! 

I have over XXXX Accounts with 100 % payment history!
Product: Vehicle loan or lease

To whom it my concern My name is XXXX XXXX a valued customer of XXXX XXXX XXXX XXXX Account number XXXX, 15 on time payments of {$530.00}. I am reaching out for help on my XXXX  Kia XXXX bought it brand new from XXXX Kia ( XXXX XXXX XXXX, XXXX Missouri XXXX ) I am the first owner of the vehicle. XXXX Kia is the Only ones to maintenance my vehicle my vehicle is still under the Kia powertrain warranty 10years/ 100,000 miles I have XXXX miles on my vehicle. I also purchased an Extended warranty from XXXX Kia bumper to bumper for {$3000.00}. 
I took my vehicle to XXXX Kia because the check Engine light came on, they test drove the vehicle and said the Engine was knocking but it wasnt when I was driving it, so I told them to replace the Engine because it was still under warranty they said No, they refused to repair the Engine because I missed one oil change & Kia corporate said the same. 
I need help because I have been spending {$400.00} a week on Rental Cars, I fear I will not be able to pay my Car note because all of my money is being spent on Rental Cars and my perfect pay history is coming to an end soon
Product: Money transfer, virtual currency, or money service

I had a {$1000.00} transaction done on Skrill Inc using their app for international transfer on XXXX XXXX. The transaction was cancelled and my account was closed immediately by Skrill, but the amount was deducted from my account on XXXX. No explanation was given nor did I have an option to appeal as I believe I had not violated any policy. After reaching out for the reason, I was provided with a copy of their faq. After following up multiple times for the refund, they told me a different story every time. First I was told 5 days, then 7 days and finally, they say they can not provide any estimates on refunds. I have no clue if the amount will ever be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on vacation to XXXX XXXX I was conned into watching and listening to a timeshare presentation the woman lied and said timeshares had changed and I could use my new XXXX anytime I wanted and it basically I could live there and thats what I thought that I was signing which was an inaccurate and I have a copy of the contract and this is not what I agreed to and I will never pay them any money they conned me and took advantage of a person with a XXXX on my vacation
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card

Take a look at the enclosed documents. I am urging the bureau to commence an inquiry into these accounts, as they inaccurately depict me as late, contrary to my timely payments.
Product: Student loan

Dear Department of Education, I am writing to request my pre-conversion history for my student loans, which are older than 20 years old. I have been trying to have my loans forgiven per the Biden Loan forgiveness adjustment announced recent. To process this request, my loan lender needs my pre-conversion history before they can process my application. Most notably the loans that are eligible are I understand that it may be difficult to provide pre-conversion history for older loans, but this is necessary to have my loans reviewed for loan forgiveness. Please let me know what information is needed from me if any. Thank you for your time and attention to this matter. XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney nor am I a 3rd third party. Please see my attached ID and SS card. 
I was recently released from prison and it was brought to my attention that my credit profile had been compromised. I discovered that there have been several addresses and accounts for businesses opened up in my name. The first issue I found was a seen wrong SS numbers on my credit report. The following SS are not mine XXXX, XXXX. My full name is XXXX XXXX XXXX my DOB is XXXX my SS XXXX. I am in the process of filing a compliant with the FTC and the local aurthorities. The following addresses do not belong to me : XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX I have to do some more reseach on my credit file to see if there are in fact more items that are inaccurate. the following accounts are fraudulent : XXXX, XXXXXXXX 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 was locked up in prison when these account were opened.
Product: Mortgage

This is a follow up on case XXXX. The Bank responded by removing some wrong information from my credit. As said before, while paying them interest and principal from XXXX to XXXX, the Bank charged me interest for that same period. This added to " {$86000.00} '' ; said the Chase Bank. This money was added to my principal while doing a modification. It is obvious that I will be making interest payments XXXX and in addition, since it was added to my " NEW '' Principal, I will be paying interest again on those two previously paid interests.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that reversing funds was not possible.
Product: Money transfers

Paypal somehow linked my company to a XXXX report that we have nothing to do with and froze my accounts. My company name is XXXX. Paypal is holding my funds and causing detrimental harm to my company by freezing my processing and by not releasing some operational funds. Paypal is not communicating with me about their findings and therefore not allowing me to resolve it. Rather holding funds so they can earn interest on the money and make a profit.
Product: Debt collection

It's two accounts with this company. 
{$140.00} XX/XX/2018 {$220.00} XX/XX/2018 I have written them a letter with about the account with no answer.
Product: Credit reporting or other personal consumer reports

My XXXX account was compromised years ago. I filed police report and contacted the bank to dispute those charges. After long run of investigation the bank finally write off the amount and closed my account. I just discovered the bank left some amount for me to pay without any notice. I checked my credit report and find out I have late payment and serious delinquency on my report. I am requesting the bank to clear the negative on my credit report and cancel the debt.