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

XX/XX/XXXX my leased vehicle a XXXX XXXX, VIN # XXXX was stolen and recovered the next day. I picked up the vehicle from the police station and returned it to the dealership where I leased the vehicle from XXXX XXXX XXXX XXXX ). My insurance paid for the repairs and I was called to pick up the vehicle. I explained to them since there was only a few weeks left on the lease they can keep it and I paid off the remaining balance of the lease contract. I was notified by the credit bureau app. XX/XX/XXXX that KIA Finance put {$18000.00} on my credit report causing my score to drop from in the 800 's to the 600 's. I spent weeks and app. 8 hours a day talking to KIA Finance and XXXX XXXX XXXX where they both continued to give me the run around. XXXX XXXX XXXX said they lost the vehicle. I went up to XXXX XXXX XXXX to resolve the problem where the manager and service manager was rude towards me and told me, we can not find the car and it is your responsibility and you have to pay for the lost vehicle. I called the police and they told me they could not give me a police report and to get an attorney.
Product: Student loan

My student loan, about a year ago, got switched to a new company. Ever since, it has been nothing but stress and problems. I prefer making payments online, a year later and their online payment system still does n't work. Every time I call no one seems to know how to resolve that issue, instead they talk you into auto payments, BUT you can only set that up for 12 months at a time. I asked if they would send a reminder when that auto payments will expire, the associate swore up and down they would notify me via email. Not only did I not receive notification at all, I have not received one email from this company, ever. I have called numerous times requesting confirmation emails for when my payment is made ( because I get them from my other XXXX student loans ), the associate resets my email and verifies it every single time, still no email. Every time I call I have to be transferred numerous times until I get the correct department. There is total lack of communication, problem solving, organization, efficiency, structure, and professionalism etc. My auto payment does not go through the same day every month, which it is supposed to. According to them if the person is n't there to run the payment, it does n't go through. I do n't know how a credit service can run a company like this. I also, did not receive any information from them for filing taxes, as I did from all my other loans. Lastly, to sign into the online payment they ask for a client account number and have a link " how do I find my client account number '' showing where it would be provided, and it is no where to be found. They do not provide you that account number anywhere.
Product: Credit reporting or other personal consumer reports

THE REFERENCE ACCOUNT ( XXXX XXXX ) ACCOUNT # XXXX THE VEHICLE WAS REPOSSESSED BY XXXX IN THE STATE OF ILLINOIS ON XX/XX/XXXX AND RESOLD ON AND THE XX/XX/XXXX. I WAS NEVER NOTIFIED OF A SALE OR BALANCE. 
UNDER THE LAWS OF15 USC 1681 & UCC 9.506 AND ILLINOIS STATUTES, A DEFICIENCY CAN NOT BE DETERMINED OR CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN, AND A ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERED TO.

PLEASE PROVIDE COPIES OF LEGAL NOTICES AND PROOF OF THE COMMERCIALLY REASONABLE MANNER OF RESALE OF THE SUBJECT VEHICLE.

IF NO SUCH PROOF IS PROVIDED WITHIN 14 DAYS FROM RECEIPT OF THIS NOTICE, THE ALLEGED CLAIM OF DEFICIENCY WILL BE CONSIDERED NULL AND VOID, AND ANY CONTINUED COLLECTION ACTIVITIES, OR CONTINUED REPORTING OF THIS INVALID CLA OF THE FDCPA AND FCRAIM ON MY CREDIT REPORT WILL BE CONSIDERED A VIOLATION. 
IN ADDITION IF YOU SEVERALLY FAIL TO COMPLY WITH THE ABOVE REQUEST, I RESERVE THE RIGHT TO SEEK DAMAGES AGAINST ALL PARTIES, UNDER ALL AVAILABLE STATE AND FEDERAL STATUTES.
Product: Vehicle loan or lease

XXXX XXXX XXXX was financed through XXXX XXXX on XX/XX/XXXX. Repossession as of XX/XX/XXXX. XXXX XXXX as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

My son has been constantly harassed by United Consumers , Inc. ( XXXX, VA XXXX ) even after I have sent them correspondence XXXX with proof that the bill for emergency medical services has already been paid. United Consumers is making threats about effecting his credit rating and other forms of intimidation.I would appreciate it if this matter could be looked into. I have attached a copy of the cashed check, which was sent directly to the hospital. ( And cashed by them, as well. )
Product: Debt collection

In XX/XX/2014 I applied for a loan through Avant Credit for XXXX  work. They approved the loan and 5hem said 5hey were turning over to XXXX XXXX because they did not do medical loans but XXXX XXXX did. XXXX XXXX was funded by XXXX XXXX XXXX and everything was set. Ended up going through a Debt Consolidation company to get out from under some debts and XXXX XXXX/ XXXX XXXX settled the debt for XXXX. Now Avant/ XXXX XXXX XXXX is suing me for the money saying I owe it to them. I do not owe this money. It was settled for the XXXX I mentioned. Now every one I talked to has no record of Avant Credit sending anything to them and Avant Credit says they don't know anything about it!! I was told by the rep from Avant Credit that it would be XXXX XXXX in charge of my loan. Now they are saying that never happened and are suing me for the money!! I don't owe Avant Credit this money!! I don't know what else to do!! I also have filed with XXXX and they suggested that I file with you also. I only have 30 days to figure out what they are doing and file an answer to them. I really do not owe them this money.
Product: Debt collection

XXXX XXXX- is VERY AGRESSIVELY, and TOO AGRESSIVELY attempting to collect on the debt that is not mine in first place. I contacted XXXX in XXXX as soon as I saw this collection on my credit report. XXXX could NOT find any negative accounts in my name.. I still have my phone active and in current status with them ... In XXXX I disputed this collection with convergent, the dispute was within 30 days of them notifying me and posting this collection on my credit report. Per Fair collections practices act I disputed this account within statutes of limitations and they should have removed it form my credit report immediately, but they ignored all of my letters and keep aggressively calling me on my cell, house, work and now at my parents house ... this is outrageous and should not be allowed. please help me stop these XXXX!!! I am also filing an official complaint with FTC I spoke with a representative who took all the information and I have sent all supporting documentation and recorded phone calls with threats and harrasments and their agents acting as law inforcement!!!
Product: Credit card

I sent CapitalOne a letter informing the company of a billing error. I asked them to provide all documentary evidence on the public and private side according to the stipulations of the Generally Accepted Accounting Principles ( GAAP ), along with other instructions. I also asked that the account be treated as being in dispute. They then closed the account. The account should be in dispute. The account shall not be closed while it is in dispute for a billing error according to 12 CFR 1026.13
Product: Debt collection

XX/XX/2021 I sent a debt validation to Experian via XXXX. I waited 45 days and did not receive a response. I began to get worried because this situation was putting a strain on my finances. XX/XX/2021 I sent a follow up letter via XXXX stating that under Federal Law, they are required to complete and notify me of their investigation results within 30 days, which I have given them an additional 15 days due to COVID. Now XX/XX/2021 and they have failed to provide me with a response.
Product: Credit reporting or other personal consumer reports

Credit bureau and creditor of XXXX XXXX to illegally report late payments during the pandemic. I have sent a dispute for 3 months straight an they do not remove it or follow The law of the cares act The Heroes Act ( Section 110401 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the XXXX XXXX BREACH. PLEASE REFER TO THE XXXX XXXX BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security XXXX : SS # XXXX Date of Birth : XXXX Current Address : XXXX XXXX XXXX XXXX Texas XXXX XXXX kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit card or prepaid card

Consumer, financial protection bureau I contacted capital one to pay off my bill. I paid them off on my account with XXXX XXXX ending in XXXX Posted on XX/XX/XXXX of {$6300.00} I asked over the phone if this is all I owed customer service person said yes.

Then I get an email from capital one on XXXX XXXX saying that I owed them XXXX XXXX posted XXXX XXXX XXXX on XX/XX/XXXX that said I owed XXXX paid the charges over the phone asked if the account yes it was paid in full my account was clear then I latter was told my account was frozen capital one said I paid with an account from XXXX XXXX  ending in XXXX they said that it was sent back to the bank for an efficient funds I told customer service I didnt have that account. 
They said I had to send them documentation for my bank account so I sent capital one my bank account that is active I told customer service, that I never had that checking account or savings account but they insist that I have this account I told them I did not have this account.. 
So I went to the bank and talk to them asking them if Ive ever had an account under XXXX XXXX or Social Security number ending in this account number. XXXX XXXX  assured me I never had this account ending in XXXX. However, capital one said I would never be able to clear this up until I provided them with the information off the account number iin XXXX. 
Then I contacted chase bank. They said I never had an account in XXXX with XXXX XXXX  I cant provide them with this account information because I dont have it. 
I got a email that I owe {$30.00} past due XXXX interest I called capital one spoke to a customer service. Ask them why I have a past due for {$30.00} when my account has been frozen they just said I owed it. 
I have been trying to work with capital one since I found out on XX/XX/XXXX that I owed all these other charges they froze. My account said I can not use it until I provided him with that information which I try to do but can not do so my accounts been frozen and theyre still charging me for late fees and interest rate, I do not have any statements because my online account has been frozen. They have not sent me any paperwork and will not send it to me because I have moved to a different address so if they send the information to the old po box , I will not get it because my account was closed at the post office I hope you can help me with this. I have spent several weeks trying to get them to resolve this and they will not work with me at all. They have no information that they could give me they will not let me talk to a supervisor or have a supervisor call me back on this Account please help me. 
The payment that someone tried to pay {$200.00} back in XX/XX/XXXX I think could not get any information from the representative on the account ending in XXXX this is why they said they froze my account because it was fraud it they did not contact me until XX/XX/XXXX which I asked them. why havent you contacted me before they said oh everythings going out late please resolve thank you Thank you XXXX XXXX.
Product: Debt collection

Someone used my personal information and identity to create this fraudulent account. I did not give anyone permission to use my personal information and did not know this account even existed until I viewed my credit report. I have provided the debt collections agency with my police report, FTC Identity theft affidavit and letter of disputes. They continue to verify this fraudulent account with the credit bureaus and report it. They have neglected to remove this fraudulent account from my credit report and collections. I have sent them XXXX certified letters requesting
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX western union sent a response just to try and hurry to close my claim while XXXX is still missing XXXX XXXX XXXX is an executive for the claims at their company she said that XXXX XXXX was the company that they sent the claims to I'm on the phone with XXXX XXXX now and they said SHE IS LYING THEY HAVE NO CLAIM no reference numbers were given to me as far as a claim goes for them so they said call wu back when i did they told me the case was closed and nothing more that they do SO WHO HAS MY PERSONAL INFORMATION AGAIN!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Amount : {$500.00} DateXXXX, XXXX XXXX XXXX  Amount : {$350.00} XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX And 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 card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2018.
Product: Checking or savings account

I recently opened an account with your company which is now closed. I like many of your other customers are independent contractors. I was given the opportunity to apply for the government 's aid PPP. However I was using a mobile bank and I was required to have a bank on the lenders list so I picked you all. After receiving my funding into the account the account was closed. I was told by my lender and the SBA that independent contractors did not need a business account to apply for the loan. When I speak to your customer service reps they wont tell me whats going on. I am a XXXX and XXXX driver. This pandemic has been hard on me since its so dangerous to drive others around without risking XXXX. The SBA PPP was saving myself and my family. 

The amount in question is {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the proof that BofA has been unable to find my data from XXXX XXXX through XX/XX/XXXX. It shows that my 1st delinquency is XX/XX/XXXX and so the 7 years is up and this item needs to be removed from my account. Currently they are stating that they have " no-Data '' and so they erroneously report that XX/XX/XXXX is my 1st delinquency ( Which is wrong ). Since I have provided the actual and factual information that BofA has failed to do, then by the Fair Credit Reporting Act, this MUST be removed from my credit report or I will take further action with my attorney against XXXX. Both XXXX and XXXX have already taken this off my report. 

Basically, when XXXX  contacts BofA, BofA keeps extending the date when it is suppose to fall off my report. As you can see, I have provided proof in which they keep doing this. They have done this multiple times and I am way way WAY past my date of 1st delinquency and after XX/XX/XXXX I never made another payment. My documents prove this and BofA can not prove otherwise. The debt owed was {$33000.00} and I did not ever make it current and that is now what they are trying to report that I made it current in XXXX of XXXX and that is a bunch of XXXX. Please help, because BofA is playing games with my life.
Product: Checking or savings account

I tried to transfer a savings account with ALLY and transfer it to XXXX  XXXX XXXX. I would not transfer. Please assist me.
Product: Credit reporting or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

All of these accounts have miss information, whether it be my address, the amount owed or charge off or active. I did not provide my signature nor have they provided me with proof of my signature of these debts. I was a victim of the most recent Identity theft and the XXXXXXXX XXXX data breach and the Experian and XXXX data breach. As the Law demands, I demand the following be removed with 4 days of receiving this message. 


I demand the these accounts be removed immediately. 

Name of Account Account Number Verification XXXX XXXX Identity Theft. 
XXXX XXXX  Identity Theft. 
XXXX XXXX XXXX - XXXX XXXX Identity Theft. 
XXXX XXXX XXXX Identity Theft. 
XXXX XXXX Identity Theft. 
XXXX XXXX  Identity Theft. 
* Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint Against [ Collection Agency Name ] To Whom It May Concern, I am writing to file a formal complaint against Jefferson Capital regarding their handling of accounts that were opened fraudulently and their failure to validate these accounts despite my repeated attempts to resolve the matter.

I have previously disputed these accounts with Jefferson Capital and the original creditor and provided them with documentation proving the fraudulent nature of these accounts. However, they have not taken the necessary steps to validate these debts as required by law, and they continue their collection efforts.

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Jefferson Capital. I also request assistance in ensuring the removal of any negative reporting associated with these fraudulent accounts from my credit reports. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a phone call from XXXX. It was a woman on the other end who claimed to be an agent with a company called Transworld Systems INC stating I was being called about a debt I owe to XXXX that was sent to collections. She started asking me to verify my information and I told her I dont owe them anything my bills have been paid through them and my amount owed on the previous account with XXXX had already been paid in full. She asked me to provide a reference number to verify the payment and asked me to verify my information. I refused. I told her I was going to call XXXX directly and handle it with them and hung up. I called XXXX and was informed the balance was transferred to my new account and they could see where I had already paid this bill and did not currently owe a balance on my account. The XXXX agent told me she was not familiar with the company Transworld Systems INC either and verified that account balance was transferred to my new account then paid off in full. She told me she was making a note on my account of this information. I then received a letter in the mail on XX/XX/XXXX from that was sent out on XX/XX/XXXX from Transworld Systems INC. telling me again they are trying to collect a debt I owe to XXXX XXXX. I called XXXX again today ( XX/XX/XXXX ) and was told again they are not familiar with this company, and my account is paid in full. The balance from the other account was transferred to my new account and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out a dispute on XXXX XXXX to credit reporting agencies about inaccurate information reporting on my consumer report. After XXXX I received no response called the agency and was told by the rep they did not received the mail. I have proof of the certified delivery. I feel this is an attempt to not resolve my complaint which is failure to comply to my request. In accordance with the Fair Credit Reprting Act the you are in violation of 15 US Code 1681 section 604A states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal law overrides your company policy and I never gave you permission.I have a right to privacy 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
Product: Payday loan

This company tried to charge me a usury interest rate of over 800 % which is illegal in the USA ... I have received a demand letter from a attorney located at XXXX saying that I owe them {$1500.00} I know nothing about this activity and this unlicensed company is trying to get them to collect an illegal usury interest rate account. 
This company does not have a license to conduct this type of activity in the state of California per the Ca. Department of business oversight ... I am also filing a complaint with the California bar association against XXXX XXXX XXXX for violating the Canons of ethics. because this claim that he is trying to collect is unauthorized and illegal.