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

On XX/XX/2024 XXXX XXXX ( contracted by Credit Acceptance ) repossessed my vehicle from my residence. Due to the incline of my driveway and the way they towed the vehicle out of the driveway, they drug the front end of my vehicle approximately 10-15 feet with the frame/subframe on the paved driveway. This has caused severe damage to critical components of the engine as well as completely destroyed the entire front clip of the vehicle. Ive tried contacting both XXXX XXXX and Credit Acceptance to no avail. This vehicle is a very low mileage classical collectors item that was still factory original other than performance upgrades. Now it will never be worth what it was due to these damages caused by XXXX XXXX and their employees. Also approximately {$5000.00} worth of electronics, power tools, and items of great sentimental value either missing ( stolen by XXXX XXXX & employees ) or destroyed/broken ( by careless acts by XXXX XXXX & its Employees ) discovered after getting vehicle back into my possession. So now I have a car loan for a car that isnt even worth half of what the loan is due to XXXX XXXX negligence and blatant unprofessional conduct.
Product: Debt collection

Throughout XXXX and XXXX two individuals with a strong hindu accent called my mobile number asking for personal information for collection purposes on behalf of Credence Resource Management , LLC. 
Since they refused to give any information about the debt, on XXXX I ", I LAWFULLY REQUESTED THE DEBT VALIDATION BE IN THE FORM OF A NOTARIZED STATEMENT BY A PERSON WITH ORIGINAL KNOWLEDGE OF THE DEBT AS IT WAS CONSTITUTED AND WHO CAN TESTIFY THAT THE DEBT WAS INCURRED LEGALLY ''. 
They finally were forced to send me information and when checked with the XXXX XXXX, XXXX XXXX XXXX, said this was an old invoice for a my wife that was fully paid, and therefore did not know why they were contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - ( XXXX ) OPENED XXXX THIS ACCOUNT WAS ERRONEOUSLY DELETED FROM XXXX & EQUIFAX THIS BZNESS LOAN WAS FOR A SEMI TRUCK & WAS PAID ON TIME
Product: Consumer Loan

I 've been notified that Fifth Third Bank charged XXXX and XXXX a higher interest rate on car loans made from XX/XX/XXXX through XX/XX/XXXX based on their race. I purchased my vehicle XX/XX/XXXX and feel that I may have been taken advantage of by their lending practices.
Product: Checking or savings account

There are 8 overdraft fees on my account that are predatory and inaccurate. They need to be refundeded.
Product: Money transfer, virtual currency, or money service

recently when I was yelling at kroll reps on the phone and i was told they didn't have any information about me, and I needed to submit XXXX  documents to them. now it comes out that they had information about me and were " hacked '' and leaked it. i have already been receiving threats due to the criminal conduct of XXXX/kroll/XXXX/XXXX etc . I demand to know what information they had, and who " hacked '' it. ( or more likely who sold it to whom ) I also want kroll to start paying me for a personal security force to defend myself from bodily harm due to their criminal actions and negligence. Was the information " hacked '' by a state actor?
Product: Debt collection

CCS COLLECTIONS AT XXXX XXXX XXXX, XXXX, MA XXXX, AND XXXX CREDIT BUREAU ALONG WITH XXXX CREDIT BUREAU REFUSES TO PROPERLY REINVESTIGATE MY DISPUTES AND CCS COLLECTIONS, XXXX XXXX XXXX, XXXX, MA XXXX REFUSES TO RESPOND TO MY DEBT VALIDATION LETTER. I AM NOT RESPONSIBLE FOR THE DEBT. THE ORIGINAL CREDITOR IS : XXXX, XXXX XXXX, MN. ACCOUNT : XXXX. THE ALLEGED AMOUNT {$170.00}. I LIVED WITH MY SON IN XXXX, MN FOR 1 MONTH AT THE ADDRESS THE ACCOUNT IS BEING BILLED FOR FROM XXXX XXXX XXXX XXXX. MY SON ORDERED THE XXXX SERVICES AND IS RESPONSIBLE FOR THE DEBT. HE IS REPORTED XXXX IN CALIFORNIA. I HAVENT HEARD FROM HIM SINCE XX/XX/XXXX. MY SON WAS THE LEASE HOLDER. I HAVE SPOKE TO CCS COLLECTIONS ABOUT THIS, AND EVEN OFFERED TO PAY IT IN FULL FOR MY XXXX XXXX SON, BUT CCS COLLECTIONS REFUSED TO REMOVE THE NEGATIVE REMARK WITH THE CREDIT BUREAUS, EVEN IF I PAYED IT IN FULL. I PLAN TO SUE THEM, XXXX   AND XXXX FOR CHARACTER DEFAMATION. XXXX DID DELETE THIS FRAUDULENT DEBT. XXXX, XXXX AND CCS COLLECTIONS CONTINUE REPORTING IT IN MY NAME MONTHLY. CCS HAS REFUSED TO OFFER ANY VALIDATION OF THE DEBT.
Product: Debt collection

I sent a Debt Validation Letter to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX as a charge off and XX/XX/XXXX and XX/XX/XXXX This account is also listed as Self Financial/Lead Bank & Self/ XXXX ( reporting 2 times as XXXX different collectors ) ... ..should be only reporting as XXXX, not XXXX. 
Self/XXXX Account XXXX XXXX Self Financial/Lead Bank Account # XXXX This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off and written off and yet still list me with a balance owed of {$100.00}. This is inaccurate and false information that should not be reported.
Product: Mortgage

Wells Fargo is applying our excess payments to the next month 's mortgage payment instead of paying down principle. This practice ensures they receive the interest and escrow payments, and shorts my attempt to pay the mortgage off early. 

I've contacted them repeatedly by email and phone, to request all additional funds to be applied to my outstanding principle. Looking at our account history online, it is very difficult to determine how funds were applied following Wells Fargo 's numerous corrections. 

I do not have a record of all communications, but my last interaction was messaging via the Wells Fargo website on XX/XX/2020. I was assured the problems were permanently corrected. However, looking at the transaction history for my XX/XX/2020 payment, there are three entries, this is how the funds were applied ... again : Amount Submitted : {$4400.00} Actual Monthly Mortgage Pmt : XXXX Amount to be applied to outstanding principle : XXXX Actual distribution : Principle ( XX/XX/XXXX ) : {$1000.00} Interest ( XX/XX/XXXX : XXXX Escrow ( XX/XX/XXXX ). XXXX Principle ( XX/XX/XXXX ) : XXXX Interest ( XX/XX/XXXX ) : XXXX Escrow ( XX/XX/XXXX ) : XXXX Outstanding principle : XXXX Expected Principle Reduction : {$3200.00} Actual Principle Reduction : XXXX Difference : XXXX We prioritize paying off our greatest debt early in order to free up that money for retirement, and we have been diligent in doing so. Wells Fargo 's misapplication of the funds ensures their revenue stream at our expense. Effectively they are penalizing us for early repayment. 

I will submit a copy of my most recent communication if needed.
Product: Checking or savings account

On XX/XX/year> I received a text message from ( XXXX ) XXXX saying that I qualified for assistance paying my bills. A check was sent out via USPS. Tracking XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. On XX/XX/year> a check arrived for {$2900.00}. I deposited the check into my BancFirst account. The check cleared and was paid out. I was offered a job assisting a real estate agent in listing homes on various websites/marketplaces. Because I did not have an up to date laptop, the company offered to help me purchase one of my choice. On XX/XX/year> a check was sent out via USPS. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. I deposited the check in my BancFirst account. The check cleared and was paid out. XXXX not entirely sure what happened at this point but my bank called and said that the checks that were cleared and paid out came back unauthorized. She suggested I get in touch with both places and ask for a check to be reissued. Texting both places back and requesting what my bank suggested and each place agreeing to do so, a check was mailed out via USPS. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. The check was for {$3900.00}. I deposited it into my BancFirst Checking account. The bank held the check. Then they placed my account on hold and said that it wouldnt be unlocked until the check cleared. They said it didnt and when I asked for the information they used to come to this determination, they refused to provide it. My account is still locked. I have XXXX access to my account or to my money. The bank said that they would end up charging my account off and report it to the credit bureau if I didnt make a payment to cover the overdrawn amount of {$2300.00}. XXXX XXXX was supposed to call me 8 days before this action to offer what they call a XXXX XXXX XXXX to cover the amount of my overdrawn account. But that I had to pay the loan back in XXXX equal payments and if I failed to do so, they would charge my account off anyway and report it to the credit bureau. It is XX/XX/year> and I have yet to hear from the bank. I do not feel like its right to treat the situation as fraud on my part as I didnt write the checks or have anything to do with the process. I also contacted the FDIC since my bank is backed by them and they referred me here.
Product: Credit card

A hard inquiry from Wayfair Store Credit Card appeared on my XXXX credit report yesterday. I did not apply for a credit card from this company, or any company for that matter, and would like it removed.
Product: Credit card

Lowes closed my account due to wrong credit information. Company claimed my credit score was XXXX. My credit is over XXXX. Also, I was making payments and never late. So, now I have to deal with this account being on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called the company Oportun at XXXX XXXX. 
Personal loans : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Spoke with a customer service representative. I explained that the amount of my balance is incorrect. That needs to be up dated, as soonest possiable. I was told that they would forward the information to the correct department and Open a Ticket for follow up? 

** Oportun contacted me apologizing, that indeed the information was incorrect. BUT did not update the 3 main Bureaus with the correct information. What's the point of submitting the correction and complaint.
Product: Debt collection

Barclays Bank Delaware obtained a judgment against me in a county in XXXX. I live in XXXX and being unable to travel to XXXX they obtained a garnishment of my wages in XXXX without transferring the case to XXXX where I would be able to seek exemption for rent and other living expenses.
Product: Debt collection

wells fargo states that I own them XXXX buts thers is no record of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of 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 - Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX - Account # XXXX ; XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXXXXXX XXXX  - Account # XXXX ; XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15. U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may take any consumer reporting 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 in accurate.
Product: Debt collection

Synchrony bank has called me 3 times daily using robocalls for a debt I am delinquent on, starting XX/XX/XXXX. I know they are robocalls, because they have left voicemail each time, which I need to delete in order to keep my mailbox working. I still have four voicemails in my inbox starting from XX/XX/XXXX. The times they called, according to my call log, and all with the ( XXXX ) XXXX number are XX/XX/XXXX : XXXX XXXX ( twice ), and XXXX XXXX XX/XX/XXXX : XXXX XXXX, and XXXX XXXX ( twice ) XX/XX/XXXX : XXXX XXXX, and XXXX XXXX  XX/XX/XXXX : XXXX XXXX ( twice ) XX/XX/XXXX : XXXX XXXX ( twice ), and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm just now starting to pay attention to my credit and i'm noticing a lot of fraud accounts in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I purchased 3 items at a total of XXXX charged to my store card. Over the next month, I returned all three items. For some reason ( I can speculate but I wont ), my return was never actually processed and the balance remained on my card. This was clearly due to an issue on their end. I returned the items in good faith and expected the account to be credited. XXXX instead wants ME to be responsible for their negligence. Of course, I did not pay the card because why should I be out of the items and my money? XXXX is not entitled to both.
Product: Debt collection

I have made multiple attempts to have LVNV Funding remove these collection accounts from my credit report - through LVNV representatives, XXXX XXXX XXXX, and the credit bureaus. However, the accounts remain. 

I have never had an account through XXXX  XXXX ( in fact, I thought it was the same as XXXX XXXX prior to researching ). XXXX XXXX confirms that the accounts no longer show a balance with them, however, the accounts show a balance with LVNV Funding despite my attempts to dispute the validity of the debt due to what I can only assume is identity theft. 

I do want to mention that there have been NO issues with the communication tactics of LVNV - in fact, they have always been pleasant and offered a variety of contact methods without being pushy or mean. However, there seems to be no recourse for me to dispute this debt other than via this avenue.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX  XXXX - XXXX - {$590.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

XXXX XXXX Experian XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am urgently informing you that I am a victim of identity theft, resulting in numerous fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to remove these inaccuracies. 

ACCOUNTS - XXXX XXXX XXXX - XXXX XXXX XXXX INQUIRIES- XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XX/XX/year> I have filed an identity theft report with the Federal Trade Commission ( FTC ) and expect the prompt deletion of these fraudulent entries to restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING to section ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. Delete hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX my husband and I, jointly, refinanced our home through Ocwen Financial Corporation. In XXXX we filed a Chapter XXXX Bankruptcy confirming our mortgage through Ocwen. We were able to overcome financial difficulties and become current on our mortgage. In XXXX my husband died and I continued to pay the mortgage. I have perfect payment history. My credit history shows only the XXXX Chapter XXXX and NO PAYMENTS to Ocwen. I have called and written several times asking them to correct this issue. They have done nothing. My credit score is adversely affected by the negative reporting and I have no positive payment history because they have refused to correct the reporting. I think this is a violation of my rights as a credit consumer. I have made repeated attempts to correct this through Ocwen and the XXXX. Please let me know what I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several rounds of verification letters ( FCRA 609 ( a ) ( 1 ) ( A ) TO  EXPERIAN CERTIFIED SINCE BEGINING OF THE YEAR THEY RESPONED TO THE FIRST ROUND OF MY DISPUTE AS VERIFIED WHEN I SENT A MORE DETAIL VERFICATION LETTER CERTFIED AS WELL AS EXPLAINING THE METHOD OF VERIFICATION THEY FAILED TO REPLY WHEN I SPOKE TO THEM ON THE PHONE THEY COULDNT DO ANYTHING I SENT LETTERS TO THIS SO CALLED COLLECTION ACCOUNT AND THEY FAILED TO RESPOND HOW HARD IS IT FOR THE PEOPLE WHO WORK AT THE AGENCY RESPOND BACK TO A REQUEST
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for a membership for XXXX in hope of increasing the amount of money I can borrow and turns out that I lost money to borrow. The plan that they advertise is false and now paying additional money for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not liable for this debt with XXXX XXXX XXXX. I don't have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract I requested. I haven't signed anything. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX  : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXX XXXX  : Account number : XXXX, XXXX XXXX  Account number : XXXXXXXX XXXX : Account number : XXXXXXXX XXXX : Account number : XXXX, XXXX  : Account number : XXXX XXXX  XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.