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

I went to XXXX in XXXX for a vehicle they sold me car that was not the car I wanted I put {$4000.00} down didnt even test drive the car the salesman kept harassing me for my down payment got in the car and brakes were bad the transmission was going out it needed oil change tune up. I took the car back the next day to have brakes done but wanted me to take it back to have the other things fixed, I shouldnt have to take my car back the next day if it was properly checked then I shouldnt have problems. I called them to let them know I was very ill and I was working less hours and it was during XXXX. I explained the situation they didnt care so I told them to come get there car bc they sold me a car that was junk. My vehicle was repossessed and now SAFCOis putting it as a charge off which messed up my credit now I cant even get another car bc of a charge off. I called SAFCO to work out making payments and they said either to give them the {$5000.00} or half of the amount and if I do that it still remains on my credit for XXXX yrs why am I going to pay it if they sold me a car that was breaking down and still remain on my credit as a charge off. Im looking at my credit score and they still trying to get me to pay and increasing my amount they should stop bc Im not going to pay if its going to remain on my credit even if I make arrangements and they refuse to lift the charge off if I make payments by increasing the amount is not going to help get payment they should stop increasing. Now Im trying to get another car and all dealerships dont want to help bc of the charge off and they say Im a high risk thats the only thing I have on my credit and I need a car I have money to put down and I cant bc of the charge off I only have XXXX repossession on my credit and I have went everywhere and I cant get a car bc of SAFCO giving me a reputation. Please I need some help to have them release that charge off to get another vehicle or I cant go to work bc XXXX is costing me a lot of money no work no money so how am I supposed to pay my bills. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

The company failed to provide additional information and will not reinvestigate
Product: Credit card

I have a Discover it card since 2012, and I always follow their rules and regulations. My credit score is excellent, I have XXXX late payment, and I even have a Discover saving account with a good amount of money. 
However, they closed my credit account without any notice. Then, their customs service did not want to give me any reasons for that.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX  keeps contacting me about a debt but call me every day after I had told them not to. I spoke with phone company that I owe the debt and told me that I dont even go through Maury Cobb
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

filed a couple of dispute on account that was paid off and no late payments. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car. Experian violates my rights as a consumer, as well as federal laws.
Product: Debt collection

When the original debt occured in XX/XX/XXXX, I closed an account with XXXX in which the balance was in dispute. I hadn't had full cell service in three months and kept calling to have the problem fixed. We lost out on a rental that we were trying to get because I didn't receive the call or the message till almost 5 days later. After I closed the account in XX/XX/XXXX ( only owed one month at that time ), as far as I knew the balance was in dispute with XXXX and would be taken care of since I wasn't able to access service on four phones. 

I received a bill in the mail the first week of XX/XX/XXXX. I called the collection agency and explained that the original debt is 5 years old and too old to be collected upon. They said they would list my account as too old to collect and remove from my credit. As of XX/XX/XXXX, they were not listed on my credit report per XXXX XXXX. We applied for a mortgage on XX/XX/XXXX and the collection agency shows up on my credit with an open date of XXXX. I called XXXX, the original debtor to try to resolve the problem and they said that I would need to work with the collection agency. I disputed the account with the Credit Bureaus and lost the dispute. The credit bureaus stated that this account is valid and will remain on the credit report. This account was posted on my credit after a police report was filed for identity theft. The police report number is XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I was on the platform XXXX XXXX which gave me an alert that I may qualify for a personal loan to you know pay down debt Make a big purchase an alert told me I had a very good chance based on my credit score of obtaining a small personal loan. I am awaiting my employer to pay me for work that I have done but I just needed a little help financially waiting to that point of being paid. I thought, well this sounds easy enough lets try it.

I went through the entire process spending hours putting in my information, lifting my freeze on my credit report, providing lots of documents like my bank statements.. like they wanted the full bank statement not just deposits and credits and debits portion they wanted an itemized bank report My license oh my tax return a lot of personal information like and Im feeling very uncomfortable right now that I went through this whole process I was even told that I was preapproved and then their final decision they came back and said I was denied because they could not verify my employment. Please tell me how you can not verify employment with all the information that I gave them!!! they basically have my whole data file in their servers now ready to sell to someone else Im sure like this seems like a huge scam and it needs to stop its not OK to do this to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  on XX/XX/22 sold me a lemon. When they approved me. They only told me they were going through the bank XXXX XXXX. But they shopped around banks to get them selves the best finance rate where I would be paying XXXX a month. I returned the vehicle the next day and received XXXX percent of my down payment back. West lake financial, XXXX XXXX, And numerous other banks got my information. My social security and Id have been recently compromised. So Im just trying to stay on top of my credit
Product: Debt collection

This company is attempting to collect a debt for a fraudulent claim from XXXX. The buyer purchased an item, damaged the item, and then attempted to return for a full refund. 

The refund was not paid, and the debt is invalid. This collector has called and mailed letters after receiving a letter via certified mail that the debt is not valid, with a request to no longer contact.
Product: Credit card or prepaid card

I had purchased two controllers from XXXX on XX/XX/2020. The controllers were back ordered from XXXX and shipped XX/XX/2020. I never received the items and the tracking for both items says they were stuck in California. I had emailed and spoke with XXXX since XX/XX/2020, to this date I have not received the controllers. They attempted to send one replacement ( recall I ordered two ) in late XXXX, but the item never was received by me. I have checked with neighbors and no one has received it. I asked XXXX to refund me and they told me they could not because it was past 30 days. The problem is I could not cancel because the order was to be shipped on XX/XX/2020. I contacted XXXX around late XXXX and I was told by XXXX, that they would handle this matter urgently ; they did not. The slower they worked, the longer they dragged my case and made me miss my refund time ( I had decided to give them the benefit of the doubt ). What makes my case unique is the fact, the items are showing on the given tracking numbers to be stuck in California and they refuse to refund me. So it's now XX/XX/2020, and I had sent another escalation ticket to XXXX today. My problem is with Citicard who had proof that the merchant did not deliver the items and refuse to credit me. They gave the reason that the " charge was made prior to your cancellation ''. All evidence of non-receipt communications, including emails, was given to Citi, and evidence appeared to be ignored. I would like my card refunded and will provide evidence to you if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented to the furnishing of these accounts on my report and that is in direct violation of USC 15 1681 ( b ) -PERMISSIBLE PURPOSES OF CONSUMER REPORTS. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX
Product: Credit reporting or other personal consumer reports

Dispute item on credit. 
Spring Oaks Capital LLC Which appears due to identity theft. 
Company has failed to remove the identity theft based item after 30 days with no response from the collection agency. The item was placed on the file after the underlying creditor XXXX XXXX was deemed to be identity theft. Spring Oaks Capital LLC attempted to relabel the original creditor as XXXX XXXX XXXX in order to circumvent the FCRA.
Product: Checking or savings account

I havent received any response through the cfbp from bank of america. I have requested documents regarding the status of my opened and closed accounts. Bank of thieves still has not settled my claim.
Product: Debt collection

Around XX/XX/2021 I received an alert the my credit score had dropped, I quickly reviewed my credit report and found an account being reported as delinquent. This accounts shows as XXXX XXXX, the amount owe apparently is {$440.00} The account is being collected by a collections agency called Convergent. I contacted XX/XX/XXXX multiple times and they were unable to assist me, they were asking me to provide a password for an account that is not mine. I explained to the agents that this was not my account, I only have one account with XXXX XXXX and that account has an impeccable payment history. I have never requested to have an additional account, nor have I live in a different address for the last 20 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans from XXXX. That keep showing up on my credit report. These federal student loans back days over XXXX. I have asked for them to be removed and its still showing. 

I also have unauthorized hard inquiry on my account from. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX. I also have a police report filled that I even have the companys the police report number. 

Policy report # XXXX
Product: Money transfer, virtual currency, or money service

Once more, Venmo and XXXX are attempting to steal {$500.00} from me. They calmed I am not who I said I am and to provide drivers license amounts other credible information which I did. 6 months later, Venmo and XXXX refuse to release my funds. My son and I BOTH created disputes through Venmo to get the {$500.00} back, since my son is the person who sent me the money, but Venmo refuses to release the funds. No Venmo is claiming I'm not the person making this complaint, which is false and annoying. They are attempting to steal my money and cover their tracks and not respond to anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX XXXX, # 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 XXXX : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C. 1681c. ( a ) ( XXXX ) XXXX States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report buy more than seven years.

15 USC 1681 SXXXX ( A ) ( XXXX ) 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.
Product: Vehicle loan or lease

RECEIVED CAR WEEK AFTER GETTING CAR IT WENT INTO SHOP CAUSE THE ENGINE WENT I INFORMED COMPANY TO COME GET CAR FROM SHOP THEY REUSED TO COME GET IT WHICH MADE A STORGE BILL FOR THE SHOP CAR IS STILL THERE TIL THIS DAY I BELIVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that XXXX reported that I missed 30 payments. The truth is I never missed a payment. XXXX is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after XXXX/XXXX   took no accountability for their actions I consolidated my loans with another company. I no longer do business with XXXX because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with XXXX XXXX   customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) XXXX does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.
Product: Credit reporting or other personal consumer reports

Due to my information being involved in several data breaches over the past 7 years I filed an identity theft report with my local police department ( Tracking Number XXXX ) and the FTC ( FTC Report Number : XXXX ). 



Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Total fraudulent amount : {$830.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any
information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I fell behind on my mortgage due to a reduction in income because of health issues I was having. I hired a law firm to be able to discuss my mortgage with my lender. I also sent a qualified written request. My law firm called on XX/XX/2022 and asked where to send the documents. We complied and my law firm tried to contact my lender on XX/XX/2022 and XX/XX/2022. Both times the law firm was sent to a voicemail for someone named XXXX. Both times messages were left and the lender is aware they are attempting to try to retain the property. The lender will not call back and I am not sure I have had all available assistance under the CARES act accessible to me. Today, XX/XX/2022 the lender set a sale date and did not even give me 37 days under regulation X to attempt to retain the property. I believe my lender is purposely not allowing my law firm to get any information and they have not responded to the QWR and set a sale date with the QWR outstanding. I would like a fair chance to save my home.
Product: Debt collection

Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX 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 section XXXX A. XXXX 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: Vehicle loan or lease

For the record, I do not have a loan on my XXXX XXXX XXXX, have never had a loan for this vehicle, nor have I ever had a loan with JP Morgan Chase- except for a credit card, which I pay off each month. 

On XX/XX/XXXX, JP Morgan Chase ( XXXX ) stole my car. At XXXX I called the XXXX XXXX County Police, Virginia ( XXXX ) to report my XXXX XXXX XXXX stolen. I was told I can not report it stolen, as Chase Auto Finance repossessed it, and they refused to take a report or review any documentation. I have a clean title issued by the Virginia DMV showing it is my car, and there are no liens against it. 

Background : On XXXX XXXX, XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX ( XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). I purchased it on part credit card ( {$2500.00} ) and with cash from my bank ( $ XXXX which was not a loan or financing from a financial institution ). I have never had a loan with Chase in my entire life. 

I received the title ( attached ) from the Virginia DMV, issued on XXXX XXXX, XXXX. There are no liens against it. I purchased a DMV report from the Virginia DMV on XX/XX/XXXX, also attached, showing that there are no liens against it. The dealership also provided me a report on XX/XX/XXXX showing there are no liens against the car from the XXXX  system ( attached ). However, XXXX 's refuses to provide me a copy of the prior title showing whether there was a lien previously or not. 

Chase has no right to my car as they did not legally perfect the loan making this a lien loss. Chase refuses to provide me any information or talk about the vehicle, as the loan in question is not under my name. The XXXX XXXX County Police provided me the phone number of the tow company, which I found is XXXX XXXXXXXX XXXX XXXX   in XXXX, VA, XXXX. 

The intermediary Chase used to repossess the car is XXXX, XXXX. 

Note : I wrote VOID on my title to prevent someone from copying it. The title is current and in my possession.
Product: Debt collection

LOT OF CREDIT IS OLD.I want them off my credit now. lot of the credit is not true. I want to take it off my credit report now.