23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The law states that the failure of the owner and/or lien holder to exercise their right to reclaim the vehicle or other property within the time provided may be deemed a waiver of all right, title and interest in the vehicle or property and their consent to sale of the vehicle or property at public auction. 

On XX/XX/2019 there was an application for Michigan Vehicle Title Submitted. The title/application has no secured party. I am also not the owner on the title or registration of this vehicle. XXXX  has been pursuing collections and repossession of this vehicle since the sale regardless of my multiple attempts to dispute the information. I have also requested a lien release from XXXX in regards to this vehicle. They have no security interest in the vehicle and there is no lien on the vehicle. Yet I am still being pursued with collections for almost 3 years now. 

I also have the Bill of Sale provided to me which states the vehicle was sold and released on XX/XX/2019 to XXXX XXXX, and signed by law enforcement. The XXXX states that it may be used to apple for ownership in purchasers name. 

Also in the SOS or DMV the registered vehicle vin shows no active LEIN. I have not been able to remove this collection from my credit reports and it has destroyed my credit.
Product: Credit card or prepaid card

I contacted chime regarding a. Unauthorized purchase made on XX/XX/XXXX for ) XXXX from XXXX XXXX XXXX. I just contacted them today they advised to allow time to investigate a hour has passed and I just received a email they denied my claim and are refusing to credit back my account the {$180.00}. These people answering these calls are foreigners and can barely understand me and I can barely understand them. This charge is fraudulent and they need to give me back my money
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Federal Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not want to comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report XXXX  days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Product: Debt collection

National Credit Systems has put a bad debt of XXXX XXXX  on my credit. I never received any information regarding this debt. I asked to receive mail and never received it as I needed to verify it.
Product: Checking or savings account

On XX/XX/ a banker stole my replacement bank card from the mail and as of today XX/XX/XXXX the same group of bankers spammed my original complaint. I spoke with a Chase executive 7 days ago and was informed that a formal complaint was processed and that Chase would be in compliance with the documents provided by the FTC. Not only was the wrong information provided as a comment, my debit card was clearly stolen and the response was given without official letterhead. I am pressing charges for the string of incidents that have occurred. ( XXXX Harassment, Fraud, Larceny, and Criminal Mischief )
Product: Mortgage

I did file complaint XXXX and I am not happy with illegal action from Welles Fargo Bank and their lack of response. the facts about the case as follow:1- I had owned a home located at XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold on XX/XX/XXXX. the loan on the property was with XXXX. 
2- The line of credit balance at that home at the time of sale was XXXX3- In XX/XX/XXXX Welles Fargo Bank reported me that I still own the home and Foreclosure started due to the Line of credit was not paid. This all False informations4- I did sent the Settlement statement to Welles fargo which indicated that I sold the home in XX/XX/XXXX and Pay off proof from the Title company but they still insist that I own the property and what they reported to the credit Bureau is correct. 
5- I asked Welles Fargo Bank to show me any evidence indicate that I still own the Property and if they have any evidence that the line of credit balance at the time of sale. they are not showing any evidence and they do n't wants to admit the mistake. What Welles Fargo bank is doing with lack of communications and not providing any documented evidence is Illegal.I had called them and left multiple voice mail followed by multiple faxes with no response. 
6- It is a public recored which show that I sold the property in XX/XX/XXXX. and there is no evidence from XXXX XXXX /Welles fargo that the line of credit at the time of sale has any unpaid balance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Transunion : 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 : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Transunion XXXX XXXX, has violated my rights .

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

While looking over my credit reports, I see some accounts that have marked me as late on my payments. I would like to thank the consumer reporting agencies for playing a very important role and I know they have the ability to report consumer information as accurately as passible. In my case this information is not accurately reported. 

Can you do an investigation and show me with proof of statements where and when were these payments late. If this can not be proven with statements, please updated to on time as they should be because I was never late I have also attached a screenshot of the dates of showing my payments being 30 days and 60days late.

The 15 U.S Code 1681 states that consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency. The accounts are listed below 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
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$0.00}
Product: Student loan

I have tried multiple times to get through to Nelnet, I have applied for the XXXX plan but heard nothing back and I can not reach Nelnet. I have sat on the phone multiple times for XXXX hours to get taken out of forbearance and get on the XXXX plan but can not reach anyone. Interest is now adding up and I cant reach Nelnet to solve the problem. I have yet to speak to anyone at Nelnet. Nelnet does not answer emails and nothing can be resolved through email, they just tell you to call.
Product: Debt collection

XXXX has now sold this unsubstantiated debt now a 3rd time.
I hav asked XXXX XXXX XXXX to send me th supposed orignal contract i signed, and of course none of them do or can ... first it was sold to XXXX XXXX -- i made a complaint- and their response was to stop the wrongful collection -- - then XXXX sold it to XXXX XXXX -- who again- could not validate the debt -- - after i made a complaint against them ... that was about a year ago.. and they agreed to stop harassing me and closed their file -- now XXXX is at it again -- -- sold it to a third collection agency XXXX XXXX ( XXXX ) XXXX acct # XXXX- I explained the situation to them, and they also can not validate the debt - i told them as well show me a contract i signed -- -- i did not and never did order this service..
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For your reference -- prior complaints numbers for this same wrongful debt collection..
the XXXX complaint number is # XXXX this complaint was made on XX/XX/XXXX They ceased collction and then started again and another complaint was madeXX/XX/XXXX # XXXX- they finally stopped their wrongful collection.
<P/>
XXXX XXXX was also trying to collect this debt early XX/XX/XXXX and i made a complaint # XXXX also on XX/XX/XXXX- they also agreed to sopt collection this debt i do not owe.
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thank you XXXX XXXX 8
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 someone purchased a vehicle in my name due to identity theft. The amount was {$18000.00}. I reported this information to be fraudulent and reached out to XXXX XXXX and all they did was raise the amount to {$19000.00} as of XX/XX/2022. Also another company XXXX XXXX XXXX XXXX has kept an item that I disputed on my credit report due to this identity theft. It was open XX/XX/2022 in the amount of {$300.00}. I reached out to this company and all they did was raise it to {$470.00} as of XX/XX/2022. This isnt ok as I shouldnt be help accountable for someone elses actions. The credit reporting companies shouldnt be allowed to report false information thats due to the misfortune of someone stealing and using my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX XXXX  : # XXXX, XXXX  : # XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I had surgery requiring XXXX  The surgery center sent XXXX XXXX XXXX an in correct address for me. On XX/XX/XXXX I received a call from XXXX XXXX stating that I had not paid my bill to XXXX  XXXX and if I did not make a payment plan with them it will go on my credit report. I paid them {$480.00} on XX/XX/XXXX and on XX/XX/XXXX the same amt. I called XXXX XXXXXXXX and let them know I did not receive a bill and corrected my address and phone number for them. I was told by billing that it had been billed to my insurance and that there was nothing they could do since it was sent to collections already. I had not received anything from my insurance and when I called they stated it had not been billed. Insurance stated that it could still be billed to them for payment. I contacted XXXX XXXXXXXX  and requested they do this. I refused to make a third payment to XXXXXXXX XXXX  because of the bill being submitted to insurance. Rainier XXXX  asked XXXXXXXX XXXX to hold doing anything further as they were waiting for payment from insurance. XXXXXXXX XXXX ended up placing it on my credit report anyway. I finally complained enough that XXXX XXXX  removed it from my credit report. In XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX were paid the contracted amount owed them from the insurance of {$840.00} my patient responsibility ended up being {$93.00}. 
( Which I have not seen a bill for still. ) I have been going back-and-forth between XXXX XXXXXXXX  XXXX billing and XXXX XXXX to be refunded the {$960.00} that was paid to them with a little help. I have been told by XXXX XXXXXXXX that since I paid the money to XXXX XXXX I need to deal with them to get refunded my money back. I have heard nothing from XXXX collections. I would have paid my bill had I known about it. Even with not receiving a bill due to the wrong address if they would have billed my insurance I would have at least received an XXXX which would have shown me what I owed. I could have then called XXXX XXXXXXXX billing and paid them.
Product: Credit reporting or other personal consumer reports

I learned on XX/XX/year>XXXX  from alert I received from one of my responder about my credit being affected. I immediately went in to check my account and that's when I noticed that a company reported me to the credit bureau about serious derogatory account. The company I noticed that was and it on my credit report is as followed : Credence Resource Mana ; There address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
I don't know who this company is and never heard about them nor have I done any business with them. Base on what they reported make me assumed that they're a collection agency because they claimed that the amount is {$75.00}. This is wrong and wants to be remove from my credit report.
Product: Credit reporting or other personal consumer reports

This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Student loan

They have my student loan as XXXX amount then they gave my student loan to another student loan company now they trying to get money from me. Thats not right at all
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX ) XXXX XXXX XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX  DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Product: Credit reporting or other personal consumer reports

On Friday, XX/XX/year>, I asked if the account was paid, could they provide me with a deletion letter I was told on XXXX separate phone calls, one being a XXXX  XXXX that Yes a deletion letter would be provided in 2 days. If I had not received the letter by Wednesday XX/XX/year> I should call back to see where it was. I have done that & today XX/XX/year> the company is now saying they do not provide these letters. I have recorded the phone calls myself. I would like for their phone call to be pulled & reviewed. I need the deletion letter that was referenced in these phone calls ASAP. 


I also have my own recordings of the phone calls, but the files are too large. The last call was XXXX mins long and XXXX, please let me know how I can also submit this.
Product: Debt collection

I received a phone call today XX/XX/2024 from a XXXX in which a lady informed me I needed to contact another company at XXXX regarding case # XXXX because they had some " legal '' documents they wanted to get to me. I asked the woman why would they have another company call me regarding legal documents instead of trying to deliver to my home address, she informed me because they have alot of clients they have them reach out to contact the consumer. 

I then called the number provided ( XXXX ) with the case # given and asked the guy what company is trying to serve me legal documents and why hasnt anyone tried to send them to my home. He told me that " when you take a loan you need to pay your debt '', I advised him if I'm not aware of a loan how can I pay a loan. I asked for more information regarding the company the amount and where these legal documents were supposedly attempted to be delivered to. He could not tell me when or where intial attempts were made all he said was a judge told them that they need to show proof of three attempts by phone to get legal documents to me. I again said I disagree as I've been to court before and anytime I've been served, its always been in person or the perons attempts and leaves a card behind to be contacted to obtain the legal documents. He went on to say that Zoca Loans was suing me. I informed him that I am not aware nor have I taken a loan from a company called Zoca Loans. I asked him to send me proof of these documents in which he said " you will see these documents in court during the trial ''. Again I was confused because typically when you request proof of a debt the debt collector sends it to you upon request. He kept saying you need to pay your debt. But how can I pay a debt on something I have no record of taking out. This is getting ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Product: Credit card

On XXXX XXXX I received a text message from Citi : asking to confirm a recently opened Citi Strata Premier Card. I had no knowledge of the credit card being opened. On XXXX XXXX, I can see the card with a fee of {$95.00} I call their fraud department and made a claim. I went on XXXX online and made a fraud claim. I was told to go on www.FTC.gov so I can file a complaint and download the documents then upload them to the XXXX website. The card has a monthly fee on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights . Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Covid19 quarantine in XXXX county in XX/XX/2020, my household financial income was affected and thus I elected to enter into my Target Redcard proposed payment plan to help with making payments. I in effect closed my Target Redcard account and entered into a payment plan. At that time I was in need of paying my XX/XX/2020 minimum due in the amount of about {$32.00}. When applying for the payment plan which i was subsequently approved for, I understood from the text of the agreement that the XXXX payment would be optional since the first payment to be drafted was dated XX/XX/2020. This is what the application stated, however upon checking my credit report the following month, I showed 30 days late on my Target Redcard for missing my XXXX payment. Until i applied for this payment plan due to Covid19, I had Never Missed A Single Payment on my Target Redcard. i had paid my card on time for the previous 8 years, never missing a payment and going 30 days late. I disputed this originally in the spring and was told the dispute was " resolved by grantor '', however it still shows a 30 day late mark on my credit score. This is very important to me that I resolve this problem. I am currently enrolled in the above mentioned payment plan and pay each month a fixed amount to my Target Redcard. This dispute was corrected under my XX/XX/XXXX credit report via XXXX XXXX on XX/XX/2020.