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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Complaint ID : XXXX Whom It May Concern : Flagship Credit Acceptance LLC ( Flagship ) received a consumer complaint from XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureaus Company Portal on XX/XX/year>, in which he referenced financial difficulties stemming from the XXXX pandemic, and he requested Flagship forgive his debt in full.According to our records, Flagship received a previous complaint from XXXX XXXX in which he disputed to the debt and requested validation under the Fair Debt Collection Practices Act. Our response XXXX XXXX, 2024 is attached.With regard to his recent complaint, while we understand that financial hardships occur, please understand that Flagship receives many goodwill requests such as XXXX XXXX, and unfortunately, we are unable to accommodate these requests. Even the Consumer Financial Protection Bureau has acknowledged that consumers generally can not have negative, but accurate, information removed from their credit reports. See https : XXXX. Flagship has duty to report XXXX XXXX account accurately without consideration of a reason for delinquency, and therefore, while we value him as a customer, we unfortunately are unable to grant hisrequest to forgive his debt. We also remind him that he is always able to explain the circumstances of a delinquency when applying for credit.You may contact me directly with any additional questions or concerns at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Approximately XXXX weeks ago I ordered a replacement card through the bluebird app. I have yet to receive my replacement card. I have tried to withdraw the funds from the card through a service that they offer in the app. No matter how much I try to withdraw it says that the transaction can not be approved. I have been trying to call and speak to somebody and customer service since the XXXX of XXXX. This morning XX/XX/XXXX, I was finally able to speak to somebody who told me to just try using my card. After explaining to her three times that I do not have the card because I never received it she told me to wait until tomorrow and then hung up on me. Every time I have tried to call back I get an automated message saying that the computer system needed to take my call is not available. Then it tells me to push zero to speak to a customer service rep and hangs up on me after I push zero.
Product: Debt collection

Last year I lost my social security card, suffered identity theft, money was stolen from my bank account, unauthorized charges appear on 2 of my credit cards, 4 hard inquirys I never asked, card was opened fraudulently, they tried to steal my tax return and took out loans in my name, now a collection for a card I've never seen in my life XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion  has listed XXXX XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX XXXX accounts can be removed from my credit history.
Product: Credit reporting or other personal consumer reports

I recently looked at my XXXX bureaus credit reports and came across a number of inquiries that werent approved by me. After contacting XXXX, TransUnion and XXXX they offered no assistance in the unapproved inquiries. During this time, XXXX XXXX XXXXXXXX was opened fraudulently and now is in collection status. I also noticed XXXX XXXX XXXX bought a a XXXX bankruptcy account and is attempting to collect said XXXX debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im being charged for bills that are unheard of and didnt use my social security number for anything ever I barley obtained and identification card for the first time in 2020 so theres no way they could of had proof of my identity
Product: Debt collection

Subject : Debt Validation Attn : Spring Oaks Capital LLC As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : 1 ) Please provide your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please provide your authorization to do business in my state ( GA ).

5 ) Please provide evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Provide documentation showing the complete chain of ownership of the debt.

7 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand email. Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond or you will be reported to the CFPB and XXXX. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, results as a waiver to any/all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status.. I further insist that if you have reported me to a Credit Reporting Company, you inform them to delete alleged collection.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution prossed was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) a regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

This notice is being sent to you pursuant to a Consent Order issued by the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, 2015 in the matter entitled In the Matter of XXXX XXXX XXXX , XXXX. also doing business as XXXX and Universal Acceptance Corporation, CFPB File No. : XXXX. 
This notice is sent by Universal Acceptance Corporation, because Universal Acceptance Corporation has furnished inaccurate information about some of its customers to the nationwide consumer reporting agencies XXXX, XXXX and XXXX. The inaccuracies may have adversely affected your credit. 
Consumers have a right, under the Fair Credit Reporting Act to receive one free credit report from each of the nationwide consumer reporting agencies during any 12-month period. 
If you have not already obtained your free annual report, you may do so by visiting XXXX or by calling XXXX. 
Whether or not you have already obtained a free credit report from one or more of the nationwide consumer reporting agencies during the last 12-months, you may obtain an additional report from XXXX at no charge to you for 180 days following your receipt of this Notice by calling XXXX. Go to XXXX for any additional information. 
If, in reviewing your credit report, you identify information that you believe to be inaccurate, you may dispute that information as follows : Direct Disputes : You may submit a notice of dispute directly to Universal Acceptance Corporation of the information you are disputing by calling Universal Acceptance Corporation at XXXX or at one of the following addresses : 1. The Universal Acceptance Corporation address specified in your credit repor 2. UAC, XXXX XXXX XXXX, XXXX, MN XXXX, or
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I have been using LoanCare - www.myloancare.com. I have been trying to access my mortage account for the past 5 days. I need to gain acces to my loan info for filing my taxes. I have called many times due to problems with the web site i am unable to get my password reset. I am worried that this place has gone under or there no IT department at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research Below are the accounts I asked to be validated Name of Account Account Number Verification XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act the above accounts has violated my rights.

15 U.S.C 1681 sectjon 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. Sec. 1681i ( a ) : States that if a consumer reporting agency can not provide proof, these accounts must be deleted.
Product: Mortgage

Mortgage {$80000.00} Foreclosure XX/XX/XXXX Lawsuit filed-XX/XX/XXXX. By several homeowners against the City, engineers, contractors, Implementation team.

Due to a City owned Dam Breach.  The largest environmental lawsuit in Michigan.

Caused flooding, mold and contamination to several homes and properties.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the closure of my XXXX XXXX XXXX XXXX XXXX which was closed on XX/XX/year>, due to an alleged inability to verify my personal information. I request that you provide specific details about what information could not be verified and the methods used in your verification process. 

Under the Fair Credit Reporting Act ( FCRA ), if the information can not be verified, it must be removed from my credit report. According to the FCRA, you are required to verify the accuracy of the account information reported to credit bureaus. If you are unable to provide verification, I request that this account be immediately removed from my credit report.
Product: Debt collection

Company constantly sends letters and phone calls even after confirming that debt is not mine. Has affected my credit score tremendously.
Product: Checking or savings account

I couldn't stop paying it because a business tried to charge my card a different amount after I had returned the non-working product filed several huge dispute with Wells Fargo they give her credit for the amount and then they take it back out and pay the merchant anyways after I returned that did not work product and then XXXX XXXX tried to charge my card a different amount when I wasn't at their location I then had to cancel my card and get a new one from my bank but then charge over draft ee and other days charged in my account when the date are in from the date the transactions happen even with my money posting on a different date I have the statements from the bank and I have my state statements from the day that I did them
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX 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.
Product: Vehicle loan or lease

I am frustrated with this company because I inherited my grandfathers jeep as he recently passed away so I dont need the vehicle anymore than has the loan in it. I was told I could do a voluntary repossession or sell it for the payoff amount. The payoff in my car is {$4500.00} ( 2010 XXXX XXXX ) yet the car is not even worth {$2000.00}. When I bought this car it was {$7900.00} and the used lot added on a warranty that I had no idea about which was {$1600.00}. Then credit acceptance added {$4000.00} of interest to my loan. So now, I have to do a voluntary repossession because nobody will purchase my car for the amount I need to pay off my loan and take a huge hit on my credit. Which I just filed for bankruptcy to rid student loans off my credit and that was declined.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and disputed inaccurate accounts that I do not recognize as doing business with. To be told that the accounts came back as verified without providing me with the requested information from the investigation process was a direct violation of my rights. I have attached a copy of my FTC Identity theft report as well as FCRA 605 ( B ), FCRA 609 ( e ), and FTC Notice to Furnishers. I have not felt the need to use my credit since XXXX of XXXX because its too stressful to deal with. What's even more stressful is finding out that hackers and scammers can gain access to my information and do all types off things that seems impossible to catch or track down. The point of me abandoning this highly stressful credit system was to avoid negative and derogatory things being reported. Even though I rather my report to show that I have little to no history, I still don't want it to look as if I owe debts. This is also inquires from XXXX and XXXX that I did not authorize or give consent to obtain my consumer report. XXXX, Equifax, and XXXX have failed to protect my consumer rights and properly investigate fraudulent activity. They have failed to follow through with providing verification methods and proofs of purchase agreements from all collection accounts. There is no need for me to spew off a bunch of consumers laws that have been violated because all three major credit bureaus should know them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This account balance is {$XXXX} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

I originally filed a dispute with XXXX and XXXX to remove a debt account that was not mine as well as remove the address associated with the debt. It was ultimately removed from my XXXX report. I contacted Possible by phone on XX/XX/year>, and they could not find any information by my name, or account number. I sent multiple letters to the debt collector Possible Finance on XX/XX/year>, by XXXX and by certified mail on XX/XX/year>, requesting proof of debt, but did not receive a response. The return receipt tracking # shows this company 's mail is being forwarded to another address. Subsequently, I again contacted the credit bureau XXXX on XX/XX/year>, and they opened another dispute on my behalf and also flagged the address reported by the debt collector as fraud. I believe this is fraud, I need documentation to properly move forward with a report of fraud with my local authorities. This is affecting my credit report. 

Timeline of events : - Date of initial letter sent to debt collector requesting proof of debt : XX/XX/year> - Date of attempted contact with debt collector : XX/XX/year> - Date of discovery of open dispute with credit bureau : XXXX and XX/XX/year> - Date of credit bureau flagging address reported by debt collector as fraud : XX/XX/year> and informed me to file a fraud/ identity report. 

Actions taken : XXXX. Sent letter to debt collector requesting proof of debt. 
XXXX. Contacted credit bureau about my efforts regarding the debt, open dispute, fraud flag.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorect items on my credit report. It has been well over XXXX days and i haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any information regarding the investigation and it has been well over 30 days. These items need to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found two collection accounts and a auto loan that i am not familiar with and was open without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like for these accounts to be removed asap.
Product: Debt collection

During a recent credit report check, I discovered the presence of a company called " National Credit Adjusters '' on my report. As I am not familiar with this entity, nor have any knowledge of their services, I found it concerning that an account was opened in my name by them in XXXX of XXXX. This information is perplexing to me and I would appreciate clarification on the identity and purpose of this company.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports