23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

cfpb i have made an online dispute with this company and pursuant to 18 USC 8 i owe no debt. the company is violating my consumer right to privacy pursuant to15 USC 1681b ( 2 ). company also has NO PERMISSION to report ANYTHING using my info pursuant to 15 USC 1681 ( 4 )
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts of fix listed below for violation of the fair credit reporting act. 
Upstart loan operation XX/XX/year> XXXX XXXX This account is not showing maximum possible accuracy balance end negative remark late payment according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account or remove negative remark Immediately for violation of 15 USC 1681e ( b )
Product: Debt collection

I have recently received text from a debt collector identified as True Accord they contacted me 3 times via text message stating I owe someone a debt. They text me Sunday XX/XX/year> at XXXX p.m.central time. The second contact was on Wednesday XX/XX/year> at XXXXXXXX XXXX central time. The third time they contacted me was on Thursday, XX/XX/year> XXXXXXXX XXXX central time wanting me to log in their system to verify an alleged account. I need True Accord to fill out the debt collection disclosure statement. The allged debt, must be completed in accordance with the " Fair Credit Reporting Act, " at [ 15 USC 1681 et. seq ] and teh " Fair Debt Collection Practices Act, '' at [ 15 USC 1692 et seq ] and the applicable portions of " Truth and Lending '' ( Regulation -- -- Z ) at 12 CFR part 226 et. seq., and demands as cited above " Offer of Performance. '' Debt Collector must complete all required questions clearly, accurately, conspicuously and in writing. The form is uploaded.
Product: Vehicle loan or lease

Lease started on XXXX  for 2 years. The dealership ( XXXX XXXX XXXX XXXX XXXX ) set me up with Ally Bank. I was told I would be able to purchase the car for the specified Residual Value at the end of the lease. 

I am interested in buying the car and do not need financing. 

However : Ally Bank is not willing to sell the car to me and guides me to find a dealership in MA who would buy the car from them and sell to me. 

XXXX XXXXXXXX XXXX XXXXXXXX is willing to do it only if : 1. I take financing with them. 2. Pay {$500.00} for them to check the car. 3. Commit to pay whatever they think is needed to cover anything they might find in their exam. 

I talked to other dealership and no one was willing to buy the car from the bank for me. ( rightly so... They said they never heard of such a request ). 

I am still interested in realizing my right in the contract to buy the car at the end of the lease. I do not need financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing negative items with TransUnion on my credit report since XX/XX/XXXX. Since then I have been consistent in sending dispute letters and have kept great record of everything I've sent. TransUnion has not responded to my claims or properly investigated my disputes which is my right as a consumer. I have attached all of the correspondence I have sent to TransUnion and will also spell it out for you below. 
On XX/XX/XXXX, I sent my first round of disputes to TransUnion. This letter was sent certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up letter to TransUnion to please reinvestigate my claims. 
On XX/XX/XXXX, I sent a method of verification letter to TransUnion, inquiring how they are supposedly verifying the accounts on my credit report. 
On XX/XX/XXXX, I sent yet another letter to TransUnion asking for them to re-investigate my disputes and again nothing happened. 
On XX/XX/XXXX, I sent one more letter to TransUnion letting them know of my intention to file a complaint with the CFPB if nothing changed. Nothing changed, so here I am filing this complaint. I am outraged at how I have been treated by TransUnion. They are blatantly ignoring my rights as a consumer and deserve to be held accountable.
Product: Credit reporting or other personal consumer reports

To \A/hom lt May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation underthe Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX criticalfindings tied to my identity within the breach. This aceount andlor inquiries were made without my knowledge or consent. Under the FCRA ( S 6058 ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code $ { 681c- { ( protection of personally identifiable information ) and 15 U.S. Code $ f 68 { e ( b } ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Student loan

My student loans were ASSUMED by AES from XXXX XXXX in XX/XX/XXXX. The balance was ~ {$28000.00}. I pay {$220.00} each month regardless of what the 'balance due / minimum payment ' request is. The amount due is typically between {$50.00} and {$75.00}. I have made this payment each month since XX/XX/XXXX MINUS the two years I went back for my XXXX and 2 years of personal illness. Taking into account interest accruals +/- monthly payments, lets say my balance went up to {$31000.00}. 
XX/XX/XXXX-XX/XX/XXXX = 17 years 17 years - 4 years deferred status = 13 years 13 years x 12 months per year = 156 months 156 months x {$220.00} = {$35000.00} MY BALANCE TODAY IS {$22000.00} Can someone check my math? I have a XXXX XXXX but I can not calculate this so that it makes sense?
Product: Credit reporting

I requested a credit investigation on XXXX XXXX. Despite multiple follow-up attempts, Equifax has not sent me my investigation results.
Product: Credit card or prepaid card

I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of anxiety
Product: Debt collection

To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from USCB Corporation for what is purported to be a XXXX XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX  letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan.
Product: Money transfer, virtual currency, or money service

I have been scammed on Cash App by a scammer who has been on there for almost 5 years. I have sent XXXX transactions, each one being {$10.00}, on XX/XX/2024 at XXXX XXXX and XXXX XXXX My {$20.00} are gone from my bank account and I have immediately reported these transactions as a scam on XX/XX/2024 at XXXX XXXX for both {$10.00} transactions once I've noticed that this is not the person who I was talking to when making an online purchase, and could possibly be an impersonator of a random person. I have attempted to reach out to Cash App support on XX/XX/2024 regarding this issue of me being scammed, but I've received no helpful response or attempt at getting this resolved. I'm planning to initiate a charge back with my bank if I don't get this resolved soon. I really want my money back and I do not appreciate that Cash App has decided to not step in and help me.
Product: Checking or savings account

Wells Fargo continued to have me enrolled me on overdraft coverage, against my wishes, to attempt to continue to rob me. 
I made my account positive right before minute and Wells Fargo authorized a transaction right before midnight so they could charge me another {$35.00}. I have been clear for months to not authorize overdraft fees. 
They said the overdraft standard is automatic and I have to request to remove it. Excuse me? Ive been saying for months I DONT WANT THAT. 

XXXX EST Saturday XX/XX/XXXX. Wells Fargo XXXX refused to Return the overdraft fees while agreeing Wells Fargo should have removed me from this overdraft protection I nevwe authorized. 

They owe me {$70.00} back.
Product: Student loan

THIS BUSINESS HAS BEEN VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT BY SOLICITING CONTACT INFORMATION AND LOCATIONS FROM FAMILY MEMBERS AND NON-MEMBERS. THIS COMPANY HAS LEFT DETAILED VOICEMAILS PERTAINING TO ACCOUNT INFORMATION WITH OUTSIDE PARTIES CLEARLY VIOLATING THE ( FDCPA ) I HAVE BEEN CONTACTED BY SEVERAL INDIVIDUALS THAT THEY HAVE TRIED TO CONTACT VIA PHONE CALL, LEFT VOICEMAILS, AND SPOKEN TO INDIVIDUALS REGARDING SENSITIVE ACCOUNT INFORMATION AND DEADLINES. I HAVE BEEN SENT CONFIRMATION BY TWO INDIVIDUALS THAT HAVE RECEIVED VOICEMAILS WITHIN THE SAME DAY. I HAVE NOTIFIED THEM VIA CERTIFIED LETTER ASKING THEM TO CEASE AND DESIST THESE PRACTICES IMMEDIATELY AND NOTIFIED THEM THAT THEY ARE IN VIOLATION OF THE FDCPA.
Product: Debt collection

on XX/XX/XXXX jefferson captial report a XXXX debt as late after attempts on XX/XX/XXXX that is not my debt. this is a clear FTC violation of code 15 USC code 1681s-2
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I opened a personal loan with bank of the west to purchase a boat. That loan was sold to BMO when bank of the west was purchased.

Prior to the shift to BMO, I made a XXXX payment to bank of the west to principal ONLY. When BMO took the loan over they logged that payment as a pre-payment, which it was not. It was just a principal payment. 

The last XXXX months Ive been calling and calling just so they can have my account corrected and properly generating monthly statements so I can just pay down my loan. NOBODY, fixes it. My last payment which I made just to keep up as BMO is not requesting payment was wrongfully charged interest based on the length of the loan. I need that corrected, my XXXX payment to be properly applied so my account generates the correct interest/principal calculation based on how much I have paid down, and the world can be at peace. 

BMO is an absolute disaster so this has been my only chance to get through to someone who can fix something so simple. I just want my loan fixed so I can pay it off. Do not bank or do loans with BMO.
Product: Debt collection

001. Harris and Harris - XXXX XXXX. Harris and Harris - XXXX Harris and Harris has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX to whom they state i have no outstanding balance to due insyrance has paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXXBalance : {$2600.00} US DEPT ED XXXX Balance : {$2900.00} XXXXBalance : {$110.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX : {$1700.00} US DEPT ED XXXX Balance : {$2300.00} XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$64.00} XXXX XXXX : {$0.00} DEPTEDXXXX  XXXX : {$0.00} DEPTEDXXXX XXXXXXXX : {$0.00} DEPTEDXXXX XXXXXXXX : {$0.00} DEPTEDXXXXBalance : {$0.00}
Product: Debt collection

Several attempts were made by me to request Validation of debt on account reported on my credit report by Pinnacle Credit Services. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. There is a required 30 day response time which has not been met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, XXXX - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Product: Student loan

MOHELA DOES NOT LIST THE FULL ACCOUNT NUMBERS ANYWHERE. MY LOAN DETAILS ONLY SAYS XXXX, XXXX, XXXX, XXXX, XXXX, XXXX THOSE ARE NOT ACCOUNT NUMBERS. I NEED ACCOUNT NUMBERS. WAITING XXXX XXXX HOURS MEANS I HAVE TO QUIT MY FULL TIME JOB TO CALL MOHELA. FOR MOHELA TO PAY EXECUTIVES OVER XXXX XXXX XXXX A YEAR AND CALL WAIT TIMES OVER XXXX XXXX HOURS ON MULTIPLE OCCASSIONS IS UNACCEPTABLE.
Product: Money transfer, virtual currency, or money service

I receive big amount of payments from my buyers and then after withdraw may funds after 4 hours I receive another payment to my buyers after 8 hours on hard day ban may PayPal account I don't my they ban my PayPal account even i follow the rules ang user agreement. If they want a proof I can't provide ligitimate to support my complain : hers the references I'd email of PayPal about permanent limit in my account : Ref ID - XXXX Sincerly Yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and XXXX XXXX for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Mortgage

The payoff of my loan was received by the servicer on XX/XX/XXXX however they are not considering the payment as received until XX/XX/XXXX. They have acknowledged that the payment was received on XX/XX/XXXX, but they are refusing to post it as of XX/XX/XXXX and have therefore charged me for an additional day of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is the second time I've written to Portfolio Recovery Assoc!! I first reached out to this debt collector company XX/XX/2022 they never before ever wrote me about this so called debt before. I recently sent another certified mail XX/XX/2022 this is when I received numerous outdated paperwork to show as if they've been trying to reach out to me about this debt that is not mines!!! I've asked on two separate occasions to verify this debt they are claiming I owe with original signature on file not showing me the amount of the debt that I do called owed, they refused to acknowledge my request as you will see The documents I will upload again I'm requesting validation not verification of this so called debt! I only received this outdated letter because I open a report with the CFPB. THEY EVEN ADDRESS THE LETTER WITH THE CASE #!
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$XXXX} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Checking or savings account

In XX/XX/2023 my bank withdrew {$4000.00} from my account due to a chargeback scam. I have been a victim of this scam and my bank has done nothing to fix the problem.
Product: Credit reporting or other personal consumer reports

After having my credit checked by XXXX the following morning I received over 40 phone calls within 1.5 hours from mortgage brokers. I did not consent to the big 3 credit firms distributing my personal information. Access to speak to them is extremely difficult and I have tried several phone number and automated systems will not support me. Why are the major credit firms allowed to share information about me without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres many accounts on my credit report that does not belong to me. Not only am I a victim of identity theft, but I also believe I've been wrongfully charged, and also never notified first for any of these negative items. I could have made them aware its not mines before destroying my financial image. Also the following federal codes has been violated when it comes to my rights. 
15 U.S. CODE 1605 15 U.S. CODE 1692 15 U.S. CODE 1635 ( F ) 15 U.S. CODE 1644 ( A ) 15 U.S. CODE 1662 ( B ) My FTC File number is XXXX I've also submitted all of this through the experian XXXX under my login, so theres no reason for Experian to request verification docs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several accounts that do not belong to Experian Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

On XX/XX/2023 The principal/consumer purchase a contract for a vehicle from XXXX and a check was tendered on behalf of the principal XXXX XXXX XXXX for the purchase. The principal also reserves all its rights, titles, security interest and interest and cant be denied his rights per state and federal law to all chattels, checks, titles, contracts, premium, negotiable documents, securities, credits, and interest in any consumer or business transaction. Pursuant to the 15 U.S. Code 1605 - Determination of finance charge is the sum of all charges. I have given and are giving further notice that I did not waive my right or opt out of my rights per state and federal law of all chattels, checks, titles, contracts, premium, negotiable documents, securities, credits, and interest in any consumer transaction. On XX/XX/2023 XXXX turned over my check to American Credit Acceptance which is indeed an error as XXXX XXXX XXXX is holder in due course the check should be tendered for accord and satisfaction of the principal performance. I have attached the return and refund notice made out by XXXX of the refund check of ( {$23000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX being sent to American Credit Finance when it should have been tendered to the principal XXXX XXXX XXXX. The principal has given collateral but hasnt received any value for all chattels, checks, titles, contracts, premium, negotiable documents, securities, credits, and interest of the contract and consumer transaction. XXXX and American Credit Acceptance are in violations of ( 815 ILCS 505/ ) Consumer Fraud and Deceptive Business Practices Act. ( The Federal Trade Commission Act, The Consumer Financial Protection Act, The Truth in Lending Act, 12 CFR 1026.2 and The Uniform Commercial Code all governed my state and federal law.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling a dispute, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings have indicated that Zelle has not only neglected to protect consumers, but has also allow repeat offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

On XX/XX/year>, I purchased a car for my now Ex husband. Within a year, I gave the car back. My husband and I got a divorce. My ex husband no longer wanted to pay for the car. XXXX sold the car and they sent me a letter, that they sold the car, and I didn't owe the balance. I can't find the letter. Years later, they start calling and harassing me. XXXX was sold to XXXX  and then they start calling me. Now Unify bought XXXX, and they are calling me. This auto loan is XXXX XXXX XXXX. I thought the statue of limitations, for an auto loan, in the state of Alabama, is no more than 6 years. I want the calls to stop. They call me everyday from the same number and now odd numbers too. The phone number is XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

So have constantly reached out to them to say hey i need to refinance they turned it down, anyways i sent an email requesting to refinance final payment of {$180.00}, the approved, payment was due on XX/XX/year> its not yet after 30 days, they put a late payment on my credit report and this is the second time they are doing and sent a text before stating is i don't pay it will damage my credit then after they placed the late payment on my credit report.
Product: Debt collection

I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.