23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

Americancreditfinance XXXX calling threatening to deliver papers to job after already over paid the installment loan. They are saying I owe another payment. Will not allow me to speak to Supervisor. The guy who threaten me keeps answering every extension saying supervisor not available.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX, Account # XXXX. Account name : XXXX XXXX XXXX Account # XXXX. Account name # : XXXX XXXXXXXX XXXX, XXXX, Account # : XXXX. Account name : XXXX XXXX XXXX XXXX XXXX Account # 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 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: Debt collection

On XX/XX/2021, I mailed a letter to XXXX in regard to an inaccurate collection account, company is CREDIT COLLECTION SERVICE XXXX. {$330.00}. This account was found to be inaccurate and removed. now the company has relisted the account without any form of mailed communication. They did not provide me with debt validation of a copy of the ORIGINAL CONTRACT WITH MY SIGNATURE FOR THE DEBT. They did not provide me with the FULL PAYMENT HISTORY FROM THE ORIGINAL CREDITOR. They did not provide me with the ADDRESS of the ORIGINAL CREDITOR. The collection company did NOT SHOW PROOF THAT THEY OWN or HAVE BEEN ASSIGNED THE DEBT TO COLLECT.
Product: Checking or savings account

On XX/XX/XXXX at XXXX i had happened to open up my SoFi app and noticed that there were 3 balance transfers that were pending that were not being made by me. The transfers were being made to a XXXX XXXX in the amounts of {$12000.00}, {$2500.00}, and {$1400.00}. I called SoFi immediately to tell them not to do this transfer because it was not me. They assured me not to worry, that is was just pending and they had the recorded conversation saying that this was not me. As I was on the phone with them someone started charging up my checking account that again was not me. I called SoFi right back and explained that someone got into my checking account now and to freeze everything, which they didnt do. I did go to the police department and filed a report that same day. I also filed a claim with the government website for identity theft, I have called and emailed SoFi, and more. I am now begging for your help. I am a mom of XXXX children and have lost over {$17000.00} which was my life savings and SoFi is not willing to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt buyer company, XXXX XXXX, bought an account from XXXX Bank, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the pandemic my income took a large decrease and I was not able to make a payment ontime for an account : COMENITYCAPITALBANK/ZALE # XXXX in the month of XXXX 2020 and now I have a 30 day past due for XX/XX/2020 and is affecting my credit.
Product: Credit card

On XX/XX/XXXX, I received a text message stating BofA Security : my name, did you apply for a new credit card in Mobile or Online Banking on XX/XX/XXXX? 
We'd like to make sure you authorized this activity. If you submitted this application, reply YES. If not, reply NO To opt out of fraud alerts, reply STOP. 

I immediately text back NO. I then got, We canceled the application request and restricted your Online and Mobile access. Call us at XXXX XXXX XXXX XXXX XXXX. ET After a few minutes I got a call from a representative from BofA stating that they got my message that I did not open the account. I did not get her name but she started asking me personal information which I was not comfortable in answering. I let her know that I was not comfortable and told her to cancel this transaction. She said she would and proceeded to instruct me to contact the three credit bureau to put a credit freeze. 
I contact XXXX and let them know what happened. Shortly after I get a letter in the mail from BofA regarding suspicious activity and also a credit card. I was not able to call them until today and informed representative XXXX at their fraud department that I had received a credit card that I did not apply for. She said the she would have to activate the account in order to close. I let her know that I want this off my credit report since I did not apply for this card. She then said she could not help me.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
: XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : - Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$410.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX Balance : {$1800.00} Date Opened:XX/XX/XXXX XXXX XXXX Balance : {$6800.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} Date Opened:XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I called my bank, Regions Bank, on XX/XX/2022 to inquire about an Auto loan with the representative there. The banker answered some general questions regarding current rates, used car mileage and year requirements etc. That was the extent of the interaction. I never applied for a loan with Regions bank because that weekend I ended up purchasing a car and financing through the dealer. A couple weeks later I received correspondence by mail that I had been denied for an auto loan. I checked my credit report and found that Regions bank had initiated a hard inquiry on my credit with no approval or application submitted by me. I called the bank to inquire about this and they have refused to provide a copy of the supposed loan application that was submitted because it was their banker that submitted information without my consent.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

{ dispute_item_and_explanation } Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I would like all of the accounts mentioned to be deleted and blocked pursuant to 15 USC 1681c-2 ( a ) Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX AND XXXX XXXX   SHOWS A COLLECTION FOR XXXX XXXX THIS IS A FRAUD ACCOUNT.
Product: Money transfer, virtual currency, or money service

PayPal has frozen my account. I sent a small amount of crypto from my account to another acct of mine and account was Frozen Ive tried 1/2 dozen times to speak to someone they keep saying in 24-48 hrs we will send an email to unlock your acct but never send it and can not get anywhere with them they will not transfer to supervisor or different department It has been almost a month now
Product: Vehicle loan or lease

The company I am having issues with is Toyota Financial Services I am being charged 21 % XXXX XXXX of all, second of all every time I make a payment Toyota claims there is an issue with my bank account. I have been using the same account to make payments from the day I made the first downpayment. I have been overcharged on so many occasions my car was financed in XXXX  I have been dealing with these payment issues every month. My credit has dropped from XXXX to XXXX. Every payment I make is reversed every month I get late payment charges. The car itself was priced at XXXX however the loan was for over XXXX and when I try to go thru my transaction history there are so many payments and refunds, refund fees, late payment fees it's so complicated I seen this online and didn't receive anything from XXXX XXXX government agency fined Toyota Motor Credit Corporation {$60.00} XXXX on XXXX  for what it described as running an " illegal scheme '' to prevent customers from ceasing services from the company, a process that added to their monthly payments on their car loans. 

The Consumer Financial Protection Bureau ( CFPB ), a federal agency that advocates on behalf of consumers, said that Toyota 's U.S.-based financing arm kept back refunds or returned to customers wrong amounts repayments or " knowingly tarnished consumers ' credit reports with false information. '' As a result, the agency ordered the company to pay {$48.00} XXXX to affected customers and give an additional {$12.00} XXXX penalty to CFPB 's victims relief fund. 

I am willing to give access to my account for review I am sure there is inconsistencies in my payment history Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Quicken Loans XXXX Rocket Mortgage XXXX authorization to run my credit. They ran my credit on XX/XX/2021. Nor did I give them authorization to fill out a refinance application.
Product: Debt collection

this information was shared illegally ( third party ) without my informed and expressed consent
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.
Product: Money transfer, virtual currency, or money service

Since XXXX chase XXXX, XXXX XXXX XXXX 

XXXXXXXX XXXX XXXX XXXX XXXX refuse to refund me my promissory note, submitted police report notthing Im a victim My Florida should be on file
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Debt collection

On XXXX XXXX I the consumer XXXX XXXX went to XXXX XXXX in XXXX, Pa where I entered A consumer credit transaction. I was then extended my credit through ally bank to purchase a XXXX  XXXX XXXX. After this transaction was made with my credit card or social security number which paid for this transaction without I the consumer to assume any liability pursuant to 18 USC 8, I began receiving billing statements requiring me to pay an alleged debt that I did not owe. Pursuant to 15 usc 1666 ( b ) this is a billing error. The billing amounts reflect a positive balance in which they are saying I owe but it is unlawful to pay on a positive balance. Pursuant to 15 USC 1692 ( e ) This is false and misleading. Adverse and threatening action was then taken against me for this alleged debt. My vehicle was repossessed by an unauthorized third party, in which it was never in their possession nor did they own it which is theft, all without my consent or prior knowledge. They also sent documentary evidence confirming this adverse action against me.
Product: Debt collection

The only dates that I have on hand at the current moment is today,   XXXX   XXXX   XXXX     and a previous date of   XXXX   XXXX   XXXX    .     I 've had harassing, non stop phone calls to the point that I 've changed my number and had to block the company 's number on my home phone, when I have asked that all communication be done via United States Postal services, which has been ignored and I have n't received anything by mail. The debt that they 're trying to collect is on a   XXXX   XXXX   where my contract was voided since  XXXX  did n't keep up on their part and I returned the vacuum to them.     On   XXXX   XXXX   XXXX     I received an email stating that they 're trying to contact me in regards to my account - Which was sent to my email and  three others, two of w hich I have no connection to. This was after my grandparents and mother received a phone call from a man who got verbally confrontational with my mother. I replied back to the email stating that all contact needed to be done VIA  USPS  and if there was any issues to give me a call on a number I provided.     On   XXXX   XXXX   XXXX     - My employer got a call, fax, and email in regards to an employment verification, in which I called the number provided spoke to a woman named   XXXX   that had placed all three of those contacts, and informed her not to harass me at my place of business and if there was any need to contact me via  USPS  - which still has n't taken place. She placed me on hold stating that she was going to transfer me to someone to speak to in regards to it since she only does the " employment '' verification, and I was left there fo r fifteen minu tes before I finally gave up.     I 've had multiple calls on an old phone number that where I 've had their employees yell at me, call me names, and harass me about payment on an item I do not have. I have proof of changing my number, the block on my house phone, statements from my grandparents and mother about their phone call at my home, and proof that they 've contacted my employer.
Product: Debt collection

I was contacted by Midland Credit Management with the following number XXXX and the representative made bogus claims that I had an old balance they bought back in 2007 for a XXXX card I never opened. The representative with an XXXX accent, was trying to confirm my social security over the phone but I would not cooperate with this sensitive information. Can you please contact these folks and get them to stop calling my moms house for a bogus debt? I have attempted to ask for a document of this alleged debt and have not received anything. Please look into these unethical business practices as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/2017 I filed a disputed online with Experian. I also called experian on XXXX XXXX and let them know they were reporting inaccurate information on my credit report. I uploaded my Drivers license and they still told me I could dispute the address XXXX XXXX XXXX XXXX XXXX. Pa XXXX. 
I only have one address and I XXXX XXXX XXXX XXXX. Removed from my consumer report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Customer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 : 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Certainly! Here 's a response you can use to describe what happened : -- - I have been attempting to obtain information from this company regarding a debt, but unfortunately, I have encountered several issues. Despite my repeated requests, I have not received the information I need, and I believe there may have been some misinformation provided to me. 

Initially, I requested specific details regarding the debt in question. However, I have yet to receive a satisfactory response from your company. Additionally, I was informed that the information had been sent to me. Still, upon further investigation, it appears that it was sent to an address that is not valid for mail delivery. 

This situation has caused me considerable inconvenience and frustration. As a consumer, I expect transparency and accuracy when dealing with matters as important as debt collection. Therefore, I kindly request that your company promptly rectify this issue by providing me with the requested information to a valid mailing address.