23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I own a XXXX  XXXX XXXX XXXX Vin : XXXX. Unauthorized by myself, a XXXX XXXX at XXXX XXXX XXXX Auto Mall, XXXX XXXX, XXXX XXXX took my leased SUV and landed it. When I called this Dealership they evaded my calls. I never signed to drop this vehicle off and never agreed to fulfill this transaction. XXXX  XXXX believes I owe an early lease term. I moved to XXXX XXXX XXXX and before I could return to XXXX XXXX XXXX to pick up my vehicle, XXXX  XXXX stated they have my vehicle. In order for this fraud to occur at this dealership it takes someone from the inside to facilitate this type of scheme of fraud events. XXXX XXXX XXXX the son of XXXX XXXX, which he works for XXXX XXXX at XXXX XXXX XXXX Auto Mall, XXXX XXXX, XXXX XXXX, which I feel he facilitated this fraud of events or at least is behind the scheme. When I contacted the dealership they immediately evaded my phone calls. I demanded a contract from this dealership in which they emailed this with no statement of facts attached. I am now without an SUV. I had medical issues with my XXXX and have not been able to see to contact anyone till now. I need this account cleared and a vehicle replacement as I can not get to doctor appointments.
Product: Debt collection

Left XXXX XXXX with proper notice ( XX/XX/2023 was my last month ) as per their modified terms and conditions, well in advance. Had difficulty as half the time the office is closed in spite of their office hours, but notice was delivered, signed and a copy handed to me well before the 60 day limit. Paid off all remaining bills I rightfully owed XXXX XXXX on the way out. XXXX unfortunately could not be delivered until the day right after my final day because of their inability to follow their own listed office hours. Received notice that I owe an extra month of rent, while attempting to threaten me into paying more. Tried bargaining with me, offered to have me just pay water and other miscellaneous utilities for a whole month instead of rent, but I still refused since its not my fault they cant keep tidy records. 

XXXX XXXX ( currently owned by XXXX ) proceeded to sell this fraudulent debt to Genesis ( Colombia Debt Recovery LLC ) who sent me a letter. Upon calling to alert them of the fraudulent nature of this debt, they talked over me with threats and insults until the call devolved. Their operator ended the call with threats to garnish my wages, and me threatening to contact a lawyer.
Product: Credit card

On XXXX XXXX, 2016, I received unsolicited credit cards in the names of my husband ( XXXX XXXX XXXX and myself ( XXXX XXXX XXXX XXXX. NOT an application, but XXXX actual credit cards. The envelope included NO information as to terms ( interest rate, annual fee, etc. ), just the XXXX cards. 
I have my vehicle loan through Wells Fargo, and also investments with Wells Fargo. However, I carefully went through my credit files and I have NEVER had, nor requested, a Wells Fargo Credit card. I emphasize that I received these cards well after the fraudulent actions of Wells Fargo came to light. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from Experian, XXXX and XXXX regarding this account : XXXX XXXX XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from XXXX  comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting a reinvestigation of the accounts listed below because the information is not accurate. These accounts are inaccurate because they are closed, but showing open every month. In Accordance With ( IAW ) the Fair Credit Reporting Act I am disputing the accuracy of my these account. The accounts listed below have been deleted from my XXXX XXXX XXXX Account : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX. I want them deleted from my Equifax and XXXX XXXX XXXX as well because I know that All of my Credit Reports are suppose to be identical, they are Inaccurate, and it has damaged my credit. IAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. IAW the Fair Credit Reporting Act, these accounts are in violation of my rights, and I need them removed from my credit reports as they should have been via the Automated Reinvestigation System to All of the credit bureaus upon deletion from my XXXX Credit Report. 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C. 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows, or has reasonable cause to believe that the information is inaccurate. All of the accounts listed above are inaccurate on my Credit Reports.
Product: Student loan

InXX/XX/XXXX, I scheduled an extra payment to loan XXXX on the due date and asked not to forward the next due date and to have the next month be due on schedule. MyXX/XX/XXXX auto payment was made and only the interest was paid ( {$3.00} ) and the amount that should have gone to principal ( $ XXXX= {$23.00} ) was distributed as extra payments to the rest of the loans in my account. I emailed requesting my payment be reapplied correctly on XX/XX/XXXX ( as soon as I saw how my XX/XX/XXXX payment was applied ).

The response I received to my Navient inbox on XX/XX/XXXX about reapplying the payment correctly, they determined that XXXX was not paid ahead and did nothing to reapply my payments ( which they have previously done for me in the past aroundXX/XX/XXXX a few times ).
Product: Debt collection

Amsher Credit Collection Agency is still reporting my childs hospital bill as open and this was discharged in 2015 in Chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for CFPB employees to assist in getting to the bottom of this wrong information that could lead to the stealing of my loan3 dated XXXX from XXXX  mortgage and my property XXXX XXXX XXXX XXXX, mi XXXX. Under file number of transunion XXXX dated XX/XX/XXXX. That there was some kind of business that hit my credit from XXXX XXXX ( not me ) and I believe it was scam XXXX XXXX XXXX came and ask me to move out in XX/XX/XXXX and possibly using my name and this action came up XX/XX/XXXX on my credit report. 

Shows an written authorization on XX/XX/XXXX taken place under XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ca XXXX XXXX XXXX. 

Please look into this because when I brought this up to XXXX XXXX attorney XXXX XXXX XXXX that this was his client using my name he did not deny it and just said he had nothing to do with that.
Product: Mortgage

After completion of the 3 month loss mitigation, paperwork was sent and signed ( and returned ) to shellpoint. This was back in XXXX. No matter how many times I call, email, ANYTHING, I can not get ahold of ANYONE to find out why my modification has not been placed into affect. I can not pay whatsoever, because they " don't accept partial payments '' and the only amount I'm allowed to pay is the ENTIRE PAST DUE BALANCE OF {$23000.00}. I NEED to start my payments so I can complete the 6 payment requirement of the VA so that I can change mortgage lenders due to needing to SELL this current home because we will be relocating to a different state. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - The XXXX and Equifax account numbers are not matching and are to be deleted. 
Per 15 U.S.C 1681c. ( a ) ( 5 ) delete record due to the high balance do not matching.

I pointed out that record is inaccurate and per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer the reporting agencies do not have my written instruction to publish records.
Product: Credit reporting or other personal consumer reports

To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the XXXX XXXX XXXX I also have copies of the XXXX XXXX XXXX XXXX Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the so many customer affected by equifa my information was compromise, there are old accounts on my record that should be taken out.

had reach the status of limitations, XXXX XXXX XXXX XXXX has altered the amount owed, the account was open on 2008 it was a personal loan, the amount reflected is {$26.00} the loan amount back on 2008 was {$9.00} I did paid a partial amount, I have attempted to get a home loan and they continue to interfere, but adding inaccurate information, I am also demanding EQUIFAX to fix all the damage caused by having my personal information being compromised.
Product: Debt collection

Kia Debt collection has been calling my work phone twice a day for since the end of XXXX. This is not a debt from anyone in our company someone must have used our info. I have contacted them and talked to a supervisor to let them know that this in not a number they should be calling. they told me they can call until the person they are calling for updates the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Take note that I did not sign up for an account with XXXX XXXX XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first. I requested bureaus to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Disputes : I have reviewed my Equifax credit report ( XXXX ) and have found inaccuracies. My personal information including social security number, name, and address was leaked to the dark web by the Equifax data breach. These inaccuracies are highly injurious to my credit. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors, Federal Trade Commission and Consumer Financial Protection Bureau. 

Fraudulent Accounts : XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amount {$1600.00} XXXX XXXX XXXX XXXX  Acct XXXX XXXX Opened XX/XX/XXXX Amount {$1000.00} Fraudulent Inquires : N/A Fraudulent Personal Information : Jobs : XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The world of technology does n't work for everyone ... 
I signed up with Capital One with anticipation of improving my credit score with responsibility. I made all my 1st 4 payments OVER the amount due and EARLY. I started inquiring about the Credit Steps program and my eligibility of an increased limit. The rep told me that I was doing so well and it will be increased in XXXX. 

My personal banking account was compromised just days before the bill was due. I called Capital One to speak with the representative about paying from a different source. We were on the phone for nearly 2 1/2 hrs just for them to take my payment. I was ensured that all was well and IF I DID get a fee, it would be waived.
Month of XXXX, my banking issues were resolved and I got a new account. From my phone, I updated my new bank info and made the payment. I got the confirmation and noticed that it paid the old bank account anyway. I did the process again and paid from the correct one. All done before the due date. I called in the next day to make sure all was well ... .the rep said over the phone it would not count against me. My increase will be on XXXX XXXX and the payment was fine and apparently it was not. 

For a payment to post on the same day, it will need to be submitted Monday - Saturday by XXXX ET. A payment submitted after that time will post on the following business day. However I was on the phone with the representative well after the XXXX cut off ( not knowing ) As a result, I have been removed from the so-called Credit Steps program. I basically will just pay my monthly bill with no prospects of an increased limit UNLESS I contribute the overage. 

I was loving my Capital One experience and this XXXX up has ruined my overall outlook. I work so hard to rebuild thing and would not have been so careless to be missing payment days or by the hrs because as I said from the beginning, I paid well over the amount and before the payment date so these last 2 months is not concurrent with my payment pattern. 

This mess has now became an inconvenience. They have no intentions of helping you achieve your credit worthiness potential but rather set you up to fail with trumped up fees and when you are out, you 're out. I was deciding between Capital One and XXXX XXXX XXXX and I see clearly, I made the wrong choice.
Product: Student loan

I changed my bank account in XXXX 2016 and alerted Sallie Mae and changed my bank account number in their system and deleted the old account. I updated all auto-debit setups. First, in XXXX 2016 XXXX student loans went to the old account ( auto-debit ) and were declined. Now in XXXX 2016 the XXXX student loan ( also auto-debit ) went to the old account and was declined. I received notification on XXXX/XXXX/2016 that the charge did not go through and started receiving collections calls the same day ( even though I immediately paid all that I owed and the next month ahead as soon as I was notified ). I called customer service the same day ( call was recorded ) and the customer service rep admitted she could see no record of this other account and could n't understand why this other account had been charged. She helped enroll me in auto debit again and yet still my account does reflect the accurate information. There is no record of my pending payment, nothing ( even though the customer service rep could see I had a pending payment ). Sallie Mae 's systems are woefully out of date and the customers should not be punished for their shortcomings.
Product: Credit card

Yes, I have tried to contact and have contact you guys regarding my unauthorized fraud transaction that I didn't make! there were 10 of them and I want them gone and i'm still seeing these unauthorize transaction. im not sure how many time do i need to keep calling in? but i'm very busy and dont want to keep calling in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 Measure to prevent an 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 air resolution requirements under the electronic fund transfer Act ( EFTA ) And Regulation E. The actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Enhanced Recovery has reported to the CRA that I owe a debt to XXXX that was the resault of Identy theft. I reach out to them XXXX time and then went directly to the orginal creditor ... Spoke with XXXX XXXX at XXXX who has confirmed the account is cleared and has let the collection agency know that this account has been clear and any negative information should be removed from my bearus within XXXX to XXXX hours which at this point it has not been removed
Product: Debt collection

This is a follow-up to complaint already issued - XXXX. Was not sure how to update on original complaint. 

Wakefield sent a letter simply stating the debt was owed to XXXX XXXX XXXX XXXX. They did not provide any detail of the debt - services rendered- or any explanation. 

XXXX  account does not show any debt owed. 

On XX/XX/22 at XXXX XXXX. called XXXX XXXXXXXX XXXX  and after conversation was told that " it appears to be an issue with the currenty payment plan. They have had some other issues with bills on the payment plan dropping out of the system and automatically going to collections. '' This is an abuse of XXXX XXXX XXXX. I am on a payment plan and because their system messed up - my debt ( which was on a payment plan ) automatically goes to collections. They said this has happened on several accounts for different people. 

XXXX should be sanctioned for their poor accounting and for sending debt to a collector that is not a debt. 

How am I as a consumer protected from this? CFPB has the responsibility to protect us - what will you do about this? I had to take my time to go to post office and send registered mail to Wakefield to get explanation of the debt - WHICH THEY DID NOT PROVIDE - and go through the time and energy to refute a debt that was NOT A DEBT for collection agency. 

Thank you for taking the steps to ensure XXXX does not abuse their power and hurt the citizens you are supposed to protect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX 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 EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYEE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection : DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX EMPLOYER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DEPTEDXXXX  XXXX Delete this account. 
XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with XXXX XXXX XXXX. They told me via email that I was not approved for the platform due to my Auto Insurance Score from TransUnion. After logging into TransUnion 's website to check my Auto Insurance Score, I was unable to locate it. I contacted TransUnion 's Customer Service Team and I was told that this is not something they provide. I then reached out to XXXX and they told me they also could not provide it. Yet they tell me in the email that I have " You have the right to dispute the accuracy or completeness of the information provided to us by contacting the consumer agency directly within 60 days of receiving this notice. TransUnion did not, however, make this decision. '' However, how can I dispute something when I have no information to base my dispute on. TransUnion clearly says they do not provide the AIS Score. This in my opinion violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX of XXXX XXXX XXXX Co XXXX We applied and received a paycheck protection loan on XX/XX/2020. The paycheck protection loan disclosure asked to voluntary disclose XXXX, Gender which is Male or Female not in line with gender identity, Race and Ethnicity. Does not ask about XXXX XXXX. I believe this is a violation of XXXX XXXX and upheld supreme court decision on XXXX U.S.C. XXXX. 

I am openly XXXX and an owner of this loan that was originated. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are many inaccuracies. I am Disputing the following information XXXX XXXX Bankruptcy XXXX XXXX {$11000.00} charge off XXXX XXXX XXXX {$2500.00} charge off XXXX Account sold XXXX XXXXXXXX {$5600.00} charge off XXXX {$11000.00} charge off XXXX XXXX {$1600.00} charge off XXXX {$4900.00} charge off XXXX Charge off XXXX {$2400.00} charge off XXXX {$4900.00} charge off All XXXX accounts XXXX {$61.00} all Department of Education accounts Addresses : XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at 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 XXXX XXXX XXXX Phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX Property : There's a listing that I own property. This is not accurate. 
The address is XXXX XXXX XXXX XXXX, Mi XXXX I do currently reside here. 
Emails XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no XXXX loans and you list too many to count. 
My identity has been stolen and it has been breached. It was in the XXXX data breach and the XXXX XXXX data breach and I lost my ID 2 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this inquiry. Never heard of the company. Never gave a written consent