23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Received a call from XXXX XXXX XXXX. XXXX ID says Wells Fargo XXXX. I ignored first XXXX calls that came XXXX immediately after the other. I answered the XXXX call and was told that a credit card application had been filed in my name by someone in Louisiana. I confirmed that this was fraudulent and was given a reference number, XXXX. The caller said the application would be cancelled but I need to hold to confirm my information. I immediately hung up. I then received XXXX more calls XXXX right after another from the same number. I did not answer any of them. I then sent a text saying I was unavailable to talk and the calls stopped. I googled the number and it appears to be a scam number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

15 U.S.C. Section 602.A., states that I have a right to privacy. 

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX i made a final payment of {$24.00} On XX/XX/XXXX i was assessed a {$1.00} interest. 
My statement reflects a {$1.00} balance. 
On XX/XX/XXXX I called BOA, waited on hold for 40 minutes. The agent asked if I wanted to get notifications on my cell. i said no. They can call me of something is wrong she then said she could not get into my account as I failed to identify properly and refused to get texted a code. I said i had no idea that she wanted to send me a code to verify my identity. I said, i have my cell, go ahead, send the code. Too late, she said. 
Asked for supervisor -XXXX in the XXXX call center- shes said she could not help me. I said I want a credit for the interest charge that should not have been applied since balance was paid in full. And i want my account closed. She said the only way I could get that done was to contact them through a mobile app!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to XXXX  XXXX XXXX and all 3 credit bureaus about this alleged debt and advised them to cease and desist. I keep getting abused with multiple phone calls everyday from XXXX  XXXX XXXX. I made an uniformed decision when I entered into this credit transaction. The contract wasn't clear and conspicuous, which caused me to get abused and harassed as a consumer by XXXX  XXXX XXXX.
Product: Debt collection

This complaint is regarding an attempt to collect a debt that has been paid and discharged by the United States Government.

The problem is paying on a debt that by contract law and stated in attached documentary evidence the security interest giving under this contract secures this contract. According to congress Title 15 US Code 1605 explains that the finance charge is the sum of all charges. Which makes the documentary evidence void by law being that it doesnt apply with the laws giving. The charges in the documentary evidence states APR, Amount Finance, Insurance and more all being separate charges. 


In XX/XX/2015 I entered into a consumer credit transaction, ( Title 15 Chapter 41 1602l ). I presented my social security account number ( Title 15 Chapter 41 1602j open ended consumer credit plan ) that belongs to the Social Security Administration. I connected my XXXX bond ( House Joint Resolution 192 ) of discharged in the United States on the document and claim my rights under Senate document 43, 73rd congress who states all debts under United States consumers are prepaid. Only I paid statements that I was not obligated to pay and are returnable to consumer and natural person congress also states in Title 15. 15 US Code 1692h multiple debts, in dispute of debts all payments given apply to the consumers direction.

Santander Consumer USA I am submitting this complaint as a federally protected consumer. Under Title 18 US Code 8 the United States is responsible for all obligations occurred by the consumer. Under 12 US Code 1825a, d, all obligations under my bond are exempt, full faith and Credit of the United States is pledged to pay obligations. Act 1882 Bills of Exchange defines the signer being the giver of the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking rates online for auto refinancing which clearly states No credit pulled. I spoke to a XXXX with ilendingdirect.com reassured me that no credit pulled for checking rates. I havent applied with banks or any financing company. I received an email from XXXX saying they completed my dispute that I filed on another company. When I logged into my account I noticed my credit score dropped XXXX points and I know it wasnt from the dispute because I was disputing an account that had a balance that should have been closed with {$0.00} balance paid on time. I had paid off several accounts on last month which brought my score up over XXXX points bringing to almost perfect score. I havent had any inquiries since this past summer. I noticed one inquiry on XX/XX/XXXX from a XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Arizona XXXX, ph # XXXX ( per credit report ) which I havent applied and they should not have any of my information or any application completed or signed by me to do a hard or soft pulled. XXXX with ilendingdirect stated that our conversation was recorded so if the recording is played you will here me asked XXXX several of times to not run my credit. XXXX reassured me that he did not run my credit! I did not give XXXX  XXXX XXXX permission to pull my credit! XXXX had given an option to call or email but theres no email address provided. The phone # provided for the credit union is to report lost or stolen debit cards or someone with an bank account. I dont have an account so Ive tried to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C section 602 A. states'| have the right to privacy.15 U.S.C 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 XX/XX/year> to XX/XX/year> 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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
Product: Payday loan, title loan, or personal loan

This account was opened online with a family member using my personal information. I had no knowledge of this account. The site only ask for information easily attained and does not make an effort to insure the identity of its customers.The amount was XXXX XXXX no payments were ever made which shows that this account was opened with the intent to be fraudulent. I have several instalment loans that i pay on time and am never late. I have told this company several times that this is not my account and have requested it to be removed. It shows on my credit file as a deliquent account that was closed owing money. This is negatively affecting my previously good score. I am not willing to wait 7 years for it to roll off when it was fraud. The company has refused to remove which is extremely upsetting.
Product: Credit card or prepaid card

Account was paid in full by bank check sent through USPS priority mail on XX/XX/2023. USPS tracking shows that the envelope that contained the payment check and payment coupon was picked up at USPS facility on XX/XX/2023 at XXXXXXXX XXXX. I contacted the credit company, Comenity, on XX/XX/XXXX and initiated a dispute as they were showing the payment had not been received. Actions since then have included late fees, interest fees and a report to the credit bureaus of late payment more than 30 days. I have spoken to several representatives from Comenity to attempt to resolve the issue, including offering to stop payment on the check and pay the account electronically and I was told the fees charged and report to the credit bureau could not be changed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a current balance of {$22000.00} on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account is reporting an opening date of XX/XX/2010 and a current balance of {$22000.00}. First, I have been making monthly payments of {$440.00} on this account for the past several years totaling well over {$45000.00}. Second, the balance reporting is incorrect and needs to be updated to report a {$0.00} balance. Third, this loan was for a modular home that I purchased. During this most recent hurricane my home was severely damaged and deemed a total loss. Consequently, I voluntarily surrendered the home. Any remaining balance due on this account would have been covered by FEMA because the home was deemed a total loss from a natural disaster. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

On XX/XX/2020, my First Tech Credit Card was charged for XXXX with two transactions made at XXXX XXXX in XXXX. I've never visited this place and I don't recognize this process. So, I opened a claim request with the FT and they have declined with : " We have reviewed the disputed items you submitted on XX/XX/2020 in the amount ( s ) of {$190.00}, on your First Tech credit card ending in XXXX. Unfortunately, First Tech is unable to process this claim, Claim Number ( XXXX ). " I'm not responsible for those transactions and I don't see why I need to pay for that. The Bank is also declining to share proof that I did the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe national credit system. I contacted the original debtor ( crest manor ) and they couldnt find how I owed them at first then they said it was for clean up. I told them to prove it because I didnt leave anything they cant cause they didnt have paper work. I also dont owe XXXXXXXX XXXX  XXXX original debtor ( XXXX ) they put this on my report I had insurance with another company and I been canceled them. I also do not owe XXXX  card they keep sending me through hoops to dispute this debt and had no account information on me when I called.
Product: Vehicle loan or lease

I have purchased my vehicle in XX/XX/XXXX and financed it through XXXX XXXX XXXX. In XXXX of XXXX, I have completely paid off my loan. Since I did not get my title after paying off the loan, I contacted Hyundai in XX/XX/XXXX and asked to release my lien with XXXX XXXX and send me a letter confirming that my loan is paid off. I did not get any confirmation letter. 
At the end of XX/XX/XXXX I have decided to sell my car and contacted XXXX XXXX department to get my title. At that time I have discovered that the lien on my vehicle is still not released. After 5 calls to Hyundai and almost 9 month after paying off my loan, I still can not get my title. XXXX XXXX does not accept paper proof that I was able to get from Hyundai that my loan is paid off and Hyundai is failing to release my lien electronically. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax claims to have resolved my dispute and sent my results via mail. However that is false. Equifax never investigated this matter or resolved the issue. Please see attached what exactly is was that Equifax mailed. They did not send any results on a letter claiming to not be able to verify my identity per the re-investigation that was suppose to see place. Also see the date that they sent it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy of 6 collections accounts that are being reported by TransUnion through the website XXXX XXXX On the Date of XX/XX/2018. The disputes are still pending and I have not received and notification from TransUnion as to why nor have these inaccurate accounts been deleted. I am now requesting Debt validation to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
This complaint form will be my proof of request for DEBT VALIDATION if this matter goes before a judge. 
Furthermore I am requestin that TransUnion provide the information on how they found the disputed accounts to be accurate if they do find them to be. 

The following is taken off of XXXX TransUnion received your request on XX/XX/2018 and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was approved for a loan on : XX/XX/XXXX1 Application Number XXXX ( was approved ) Loan was refunded in full, as I left the school and decided not to attend. 

On XX/XX/XXXX I received notice from Transunion that my credit was pulled from XXXX XXXX which was not authorized. 

I have left XXXX XXXX 's, sent XXXX emails and tried their chat feature on website and nobody responds or gets back to me.
Product: Mortgage

I am the federally registered trademark and copyright holder of the commercial identity XXXX XXXX XXXX, which is also protected under state-level assumed name registrations. New American Funding is servicing a mortgage loan under my protected name without a valid license agreement or legal authority. They continue to send statements, apply interest, and report financial activity using this name in commerce. 

I have not signed any valid license agreement allowing New American Funding to use or service accounts under this identity. My name is protected by trademark ( XXXX XXXX. No. XXXX ), copyright ( No. XXXX ), and assumed name filings in both Nevada and Minnesota. This activity constitutes unauthorized use and violation of 15 U.S.C. 1125, 17 U.S.C. 501, and consumer rights under the FCRA. 

They have been placed on notice and have not produced validation of debt, proof of ownership, or any commercial license or agreement granting them the right to act under the name XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recent pulled my credit because Im looking for a new homes I found fraudulent accounts and inquiries I didnt authorize I dispute with companies and bureaus its been over 30 days with no response
Product: Debt collection

XXXX XXXX XXXX is contacting me about an account that fraudulent. I didnt authorize or receive.
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 ( XXXX ). 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Procollect INC. 

{$1000.00} Account Number : XXXX Date Assigned : XX/XX/year> Agency Number XXXX I received a negative report on my credit report from a company I have never heard of. I called Procollect, INC. originally and was told they received my information from XXXX XXXX XXXX XXXX XXXX and I would need to call them for any additional information. I called XXXX XXXX XXXX XXXX XXXX they do not have an account for me at all ever. I was transferred to a supervisor and a manager and they could not find an account. 

I have not signed up for this service, I have lived in an apartment for the past 4 years and would not need gas service. Also my energy provider is XXXX ( not associated at all ). 

This is fraud or someone got the information incorrect by mistake. 

Please have this removed from my credit. 

Unless they can provide accurate information stating that this is my account. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023, I received a letter, dated XX/XX/2023 ( a copy of which is attached to this complaint ) from Mercedes Benz of XXXX regarding a credit application of which I had no knowledge and for which I never applied. 

I had visited this dealership on XX/XX/XXXX and XX/XX/XXXX. XXXX, but never purchased a vehicle and did not sign any forms while I was there ( It is possible that I may have started some paperwork [ and I'm not even certain that I did ] but I am certain that nothing [ including a credit authorization ] was ever signed. ) I also told all of the salespeople with whom I interacted at the dealership on XX/XX/XXXX and XX/XX/2023, that I intended to pay cash for a pre-owned vehicle and therefore had no interest in financing information. Nor did I seek any financing information from dealership employees. ( The names of the dealership employees involved are stated in the attached email string. ) I emailed the general manager of the dealership three times, with the last email sent approximately one month ago, to ask that the dealership remove its unauthorized inquiry from my credit report. ( A copy of the email string reflecting my inquiries to the dealership head [ and the absence of any response thereto ] are attached as an exhibit to this complaint. ) I also asked for a copy of any document that the dealer had regarding its purported authorization to conduct a credit check on me. I spoke on one occasion to the finance director, XXXX XXXX, shortly after I received the above-referenced XX/XX/XXXX Mercedes Benz credit letter , and he assured me that he would look into the matter. He never got back to me, and he has never returned any of the numerous voicemail messages I've left him over the past two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX partial acct # XXXX, XXXX XXXX XXXX partial acct # XXXX, XXXX XXXX XXXX partial acct # 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
Product: Debt collection

XXXX XXXX with Premium Receivables LLC continues to call my job after I 've asked him not to, he also calls my family members stating he 's trying to locate me to have me served with papers regarding a civil case. He is very rude and unprofessional, I can not get a word in because he talks over me. I get stressed every time he calls especially when he calls my job, I 've worried I may get fired because he continues to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1651.

Equifax is govern by 15 USC 1581. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX