23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been the victim of financial fraud by a family member that was prosecuted and served federal prison time for it. It has caused me many issues with my credit and personally. Many of the items that are on my credit report were part of the fraud and I am stuck with trying to fix it as best I can. I have worked for years with those that have allowed me to do so. Those that were unable to do so are the ones I am now trying to clear up and at least get them to show correctly on my credit report. This has been very frustrating as a consumer, so now that I have found this website, I am hopeful. 
A collections company has evidently bought debt from a CC company and placed XXXX sections on my credit bureau. I feel as if this is incorrect as no one from that company has ever contacted me at all. I believe this is only XXXX debt as a result of my name and SS # being used fraudulently and would like to get this clarified and corrected.
Product: Checking or savings account

Wells Fargo allowed someone to remove my name from an account opened by me with my money transferred to open a business account. I wasnt informed nor asked to come in and show ID to remove my name. All I received was the run around and even my attorney was ignored by them. All fraud and they took my money. This fiasco started in 2020 and Wells Fargo has yet to respond, or rectify this situation for my business. Ive literally had to postpone even our granted 501c3 status has been affected.
Product: Vehicle loan or lease

I signed a retail installment contract on XXXX in the state of Washington, the APR is 20.49 %, the amount financed is {$17000.00} and the finance charge ( or cost of the whole credit ) is {$13000.00}. I put down a {$600.00} down payment, and traded in my car which counted for {$1400.00}. The total amount was {$32000.00} which is nearly double the amount of money financed to me. 

When I asked GM Financial, the lienholder, when my account was opened, I was advised ( via chat ) : " XXXX at XXXX, XXXX XXXX : Hello XXXX, I show that the loan was opened XX/XX/XXXX. '' I contend the installment sale contracts I signed, that was immediately assigned to the bank, that the transaction is really a loan from the bank and documenting it as an installment sale is just a sham to avoid the usury limit, which in the state of WA where the sale took place is 12 % per year. If this kind of business practice is lawful, why would n't every dealer have a buyer sign a retail installment contract in conjunction with an auto loan from a lender in order to profit from unreasonable interest rates? If the agreement between the lender and the dealer is what makes it a " retail installment contract '' as opposed to a loan which is directly between the lender and buyer, then why am I paying GM financial, and not XXXX XXXX? 

I do feel that this is usury. In the case of XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX, the buyer bought a new vehicle from a dealer with a down payment and an agreement to pay the balance over several installments. According to the conditional sales contract, the buyer would make payments directly to a bank that was financing the sale. The contract was furnished to the dealer by the bank, which had an agreement with the dealer to buy all such contracts, if acceptable. On the next business day after the transaction was executed, the contract was assigned to the bank. When the buyer eventually refused to make payments, the bank sued. The Supreme Court reversed the trial court 's entry of judgment for the bank, holding that the transaction was, in substance, a direct loan from the bank to the buyer. Noting that courts look through the form of a transaction and consider its substance in usury cases, XXXX held that this transaction was actually a cash sale, with a conditional sale used as a security device to protect the bank. Because the interest on the loan to the buyer exceeded 12 percent per annum, the contract was usurious. 

I would like everything I have paid to GM financial to be applied to the principal. I would like my balance paid off, as my gap insurance only covered 25 % of the ACV. I would like GM financial to remove themselves from my credit report and all my late payments from my credit report.
Product: Debt collection

I have been paying a debt collector since XX/XX/2014 {$50.00} a month for a {$1200.00} medical bill. It is been two years and I still owe them that much. After talking with them about it they have been charging me 12 % in interest per year.
Product: Mortgage

Nationstar has been charging me late fees and calling me saying my payments have been late for two years, from the very first payment!! My payments have always been on time, early or in the grace period and I have written proof from my bank. Nationstar owes me late fees with interest and credit for my on time payments. My credit has been adversely affected, and I had to put up with their multiple daily calls while dealing with my husband XXXX from XXXX in 2015. I did n't have time to deal with this then, but I do now. None of their representatives would help at all until I told them that I was filing a complaint with the CFPB. Side note : Their representatives are very difficult to understand and not accommodating, treating me as a deadbeat. Worst experience ever in the worst time of my life. Now I have XXXX and this is the last thing I need to deal with at this time of my life. 
Thank you for your help resolving this matter.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX Ave. XXXX XXXX, IL XXXX Email : XXXX Date : XX/XX/year> Consumer # : XXXX Dispute case ID : XXXX, XXXX. Dear CFPB, I am writing to inform you that I am a victim of identity theft. I have been made aware that fraudulent information is being reported to your company, damaging my credit and reputation. I have contacted the previous companies involved and attempted to resolve this issue. Unfortunately, I believe they are not complying with the law, specifically 18 USC 1341, which pertains to fraud and swindles. This has resulted in a deformation of my character and a violation of my consumer rights. As you are aware, the law requires that any fraud be blocked and removed from a consumer 's credit file. It is illegal to hold or obligate a consumer to disclose or furnish any information on a credit report. This is a clear violation of 15 USC 1681e and 1681b, which outline the requirements of credit reporting agencies to ensure the accuracy and fairness of consumer information. Furthermore, your company 's failure to conduct a reasonable investigation of my dispute regarding the incorrect and fraudulent information on my credit report is a violation of 15 USC 1681i. I request that you take immediate action to : 1. Remove all fraudulent information from my credit report. 2. Block any further reporting of this information. 3. Conduct a thorough investigation into this matter. Please confirm in writing that these actions have been taken. I also noticed early warning has re-inserted the fraudulent account please remove the fraudulent accounts at once. Appreciate, your prompt attention to this matter, and I look forward to resolving this issue. Please remove fraudulent accounts with Navy Federal Credit Union, Early Warning consumer services Consumer ID number XXXX, and all reporting agencies, account numbers are listed below. XXXX XXXX XXXX XXXX account numbers - XXXX - XXXX Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Well forgo bank keep charging fee that I dont know about! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to request to the Credit Reporting Agencies once again to remove he fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.
Product: Bank account or service

SYNCB/JCP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/JCP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/JCP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

To start, I DO NOT have a dailypay account, I have never signed up for or used their services. My normal payday came and I did not get paid. I investigated and discovered my paycheck went to a different account number than it always had... .Very weird, I never updated my Direct Deposit info. This can only be done through our employee portal which is very secure, 2FA, notified via email anytime a change is made, etc... 
I find out the account number is a dailypay account number, I contact them and they verify that none of my info ( name, address, email, phone number ) match the account, BUT my employee ID sure does. 

So, someone made a DP account, and must have used a random ID that happened to work and be mine... 

Dailypay says they " froze '' the account due to fraud, and gave me a case number. This was on Saturday XXXX. I was told I would be contacted in 24-48hrs by trust and safety regarding this case. 

They never reached out to me, I call and they give me the persons info that was assigned to me. I call and request that they reach out to me ASAP and let them know when I'm available ( i work nights, sleeping half the hours of the day ). They do not reach out to me when I say I'm available so I miss the call and attempt to call them back within an hour of them calling me. No answer. I leave a message through a support agent to PLEASE reach out to me again... nothing. It has been 2 days since that missed call and I have called her direct line 12 times over the span of 2 days, left 2 voicemails and 2 agent messages on their backend system. 

I can not pay my bills, buy food or gas. My {$1000.00} paycheck is being held hostage by dailypay and no one there seems to care. I have no idea what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items 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 alleged fraud or extortion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$640.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$43.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} 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 XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquiries that I did not authorize and have contacted Experian and they would not help me. I have also contacted these companies and would n't help me either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX or XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX XXXX XX/XX/XXXX Last 4 of social XXXX. Wo n't work on next page
Product: Checking or savings account

This is Cashap stealing {$230.00} from my account. On XX/XX/23 {$1000.00} was deposited at XXXX. At XXXX a transaction from XXXX was made for {$230.00}. They claim I did not have enough to cover the amount and cleared it. After clearly showing {$1000.00} available And allowing multiple transactions to occur since then. Today {$300.00} was deposited in my account and they took the {$230.00} out of my account again. I was given No notice or indications prior to them taking my money today. They never showed Any negative balance on my account and I have had multiple deposits and transactions on that account between XX/XX/23 and now. This has caused me an extreme loss per this was my only funds available that family was giving me to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct the wrong address that Experian is listing however, they are still listing the fraudulent address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. I do not live at this address and have never lived at this address. I have sent letters certified asking Experian to remove the letter. Also, there are accounts on my Experian credit report that do not belong to me as well. I have not received the original documents from Experian per FCRA proving that the accounts belong to me. Therefore the accounts must be removed.
Product: Credit reporting or other personal consumer reports

Yes i got an alert about a hard inquiry for my credit report. From jpmc bank and a XXXX dealership I never gave them permission to run a credit check. 

Im officially disputing these inquiries.
Product: Debt collection

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 and 15 USC 1681s-2, I am disputing the accuracy of the information reported regarding the following account. I request immediate correction or deletion of the inaccurate information. Additionally, I demand that you cease and desist from all forms of communication with me, including phone calls, emails, and letters, in accordance with 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of my dispute XXXX XXXX XXXX XXXX  Credit Account Number : XXXX Discrepancy : This account is listed as open with 90 days past due as of XX/XX/XXXX. The payment of {$190.00} in XX/XX/XXXX is not reflected accurately in the delinquency status. First delinquency and payment history inconsistencies are evident. 
FCRA Violation : The misrepresentation of payment activity and delinquency dates breaches the obligations outlined in 15 USC 1681s-2 ( a ) ( 2 ), which prohibits the reporting of inaccurate information after notice of errors. 
FDCPA Violation : Cease and desist all communications in accordance with 15 USC 1692c ( c ). 
Relevant Case Law : In XXXX v. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the furnishers duty to investigate and correct inaccurate information. 
Request for Action I request the following actions : Conduct a thorough investigation into the inaccuracies outlined above. 
Provide me with a corrected report and written confirmation of the resolution. 
If you find the information to be accurate, provide me with a detailed explanation and evidence supporting this conclusion. 
Failure to correct this information will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to enforce my rights under the FCRA and FDCPA. 
Please confirm receipt of this dispute within five ( 5 ) business days and complete the investigation within the 30-day timeframe as stipulated under 15 USC 1681i .
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  XXXX Account # : 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. 

Theres a lot of inconsistencies on my report and is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX  XX/XX/2024 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

XXXX XXXX Account XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit ratingFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

XXXX XXXX through Convergent Outsourcing are trying collect money from me for an account that I had with XXXX in 2016, I didn't have an account with XXXX in 2016, or any other time, I do not owe XXXX or XXXX, and XXXX has not done nothing to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX  XXXX {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX have inaccurate information on my Credit Report that has been removed 4 times and they are constantly putting it back on my Equifax Credit Report and raising the balance. It 's over 10 years old, incorrect and they are violating my Constitutional Rights. I will be filing a Lawsuit in Federal Court against Equifax and The XXXX XXXX XXXX for this erroneous act.