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

EQUIFAX is reporting TWO negative accounts under my credit report. I have tried contacting the creditors of these accounts, but no help has been resolved. 
The two negative accounts are : 1. XXXX XXXX XXXX- Someone used my information for a car loan and signed my name. I DO NOT OWN A VEHICLE FINANCED with this company. 

2. XXXX XXXX- I have NEVER contacted this company in my life. Yet they are stating i owe them a {$200.00} unpaid amount. 

. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ABOVE.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Lost job then covid. Ford repoed car. Never sent any late notices or notice if sale or offer to purchase or amount left after sale. Ford discharged the debt for more than was balance. Then sold it to a debt collector which is now charging 16 % interest. Can't afford a car payment so it will never be pd off.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$190.00} ; ( Original Creditor : XXXX  ) XXXX Balance : {$550.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

Pursuant to the Federal Truth in Lending Act, 15 U.S.C. 1635, 12 CFR 226.23 and California Civil Code 1689. Westlake Financial was notified on XX/XX/2022 of my rescission of the credit consumer transaction entered on XX/XX/2022. I have never received any material disclosures informing me of my right to rescind under this subchapter. Per this subchapter, I am no longer liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void. This is the 1st instance of Westlake Financial violating my rights as a consumer. Westlake Financial has not provided the proper remedy to reflect the termination of any security interest created under the transaction in the allotted time of 20 days. As further evidence of the fraudulent contract that was entered with Westlake Financial, take notice to 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. Westlake Financial has not provided clear and conspicuous disclosures to me, nor have I signed such material disclosures that would allow my personal information to be shared. This is the second instance of Westlake Financial not providing me with the proper material disclosures in connection with this credit consumer transaction. This negligence is not only unlawful but a clear violation of rights as a consumer have become highly injurious to her credit rating. Take Notice to 15 U.S.C. 1605 - Determination of finance charge. The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly to whom the credit is extended and imposed directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I paid a cash down payment in the amount of {$750.00}. This cash down payment being comprised with a consumer credit transaction that has a finance charge is unlawful and fraudulent behavior on behalf of Westlake Financial. This is the third instance Westlake Financial has violated my rights.
Product: Credit card

My monthly payment of {$2000.00} for XX/XX/XXXX was paid on XX/XX/XXXX. I received notification in early XXXX from the company that my payment was late and that I would be charged a late fee of {$25.00}. When I inquired, I was told that this is the company 's policy. The company removed the late fee when I asked. I was informed by the company that the late payment had been automatically reported to three Credit Bureaus. I believe that the company 's policy is unjust. The company is Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.
Product: Mortgage

I entered into a COVID-19 JOB LOSS forbearance program with US Bank , that began in XX/XX/2021. I did not make a mortgage payment in the months of XXXX, XXXX, XXXX, XXXX, XXXX or XXXX. Over the XXXX ( XXXX ) month period I spoke several times with US Bank, via telephone regarding the terms of the forbearance program. I was advised to call US Bank in the fifth ( XXXX ) month so US Bank could determine my options. In late XX/XX/2021 I had a phone conversation with US Bank. I was offered a mortgage loan modification, as follows : Modification terms Unpaid principal balance : {$110000.00} Payment : {$860.00} Interest rate : 3.125 % Term : 360 Maturity date : XX/XX/2051 First monthly mortgage payment due : XX/XX/2021 XXXX payment was made : {$860.00}, with {$130.00} additional principal = {$1000.00}. Note : There is no XXXX on the property at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX payment was made : {$860.00} XXXX US Bank refused to accept payment. No explanation given, other than, I would have to reapply. Numerous attempts to get an explanation have been futile.
Product: Mortgage

I am having a legal dispute with my title company. The title company made a payment directly to the mortgage holder. The dispute is not resolved and I asked Wells Fargo to hold the money in a suspense account until the matter is resolved. Wells Fargo applied the money and will not reverse the funds. I have had another mortgage holder that had no problem doing this. According to Wells Fargo if the money was applied and I didn't call within 90 days to have it reverse then they will not do anything. I had many medical issues, a XXXX and XXXX XXXX, and was unable to make the call within the 90 days. Although according XXXX it was only 74 working days. 

Time period between XX/XX/XXXX and XX/XX/XXXX ( exclusive ) equals to : 111 days ... or 15 weeks & 6 days ... or 3 months & 20 days Between XX/XX/XXXX and XX/XX/XXXX ( exclusive ) there are : 74 working days ( 592 hours, assuming 8-hour workday ), 37 non-working days including : 16 Saturdays, 16 Sundays, 5 federal holidays ( US ) falling on weekdays Since they won't back out the money, I asked that all of the money be applied to the principle of the loan. Wells Fargo told me that most of it was applied to the principle but some went to interest and payments. They refused to change this against my wishes. I was also told that I could send in a Power of Attorney since my health issues prevented me from calling to reverse the money within their time frame.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 whats the day that I was so devastated that the company Square deactivated my account I had {$770.00} in my account three days before I had to pay my rent. You know XXXX I got up that day went to the store doing my regular errands and I noticed my card is declined from my XXXX which was strange because I wasnt able to transfer anything to my account. All I did was open a savings account open a checking account with square and also waiting for my debit card to get in the mail and then the next day my account was deactivated. Thats very weird thats very scamming thats fraud so the company square need to understand that every other victim that we feel in that moment is wrong that you guys is doing this to small business owner I just opened this company in XX/XX/XXXX was the first day that I started to do business with Square then deactivated on the XXXX so please help me understand Square why did you do this to my account I need to get my money ASAP the 90 days thats what make me really really fishy about this situation because it doesnt take 90 days for you to release somebodys money after investigation doesnt make sense. Help me understand why you deactivated after 28 days of being in business with you still havent got a response email eight times no response
Product: Mortgage

We have been trying to contact Bank of America for almost a month now. This is beyond ridiculous. I have advised Bank of America that I must IMMEDIATELY short sale my home. They are trying to push me into a modification. I CAN NOT do a modification because my 2nd lien holder is FORECLOSING! I am being foreclosed on my by my 2nd not Bank of America, I CAN NOT DO A MODIFICATION due to the amount owed to my 2nd. OPEN MY SHORT SALE REQUEST IMMEDIATELY STOP WASTING TIME!!! OPEN THE FILE!!! GET ME MY 30 DAY PAYOFF STATEMENT FOR 2ND LIEN AND SHORT SALE APPROVAL LETTER!! BANK OF AMERICA IS IN VIOLATION OF RESPA GUIDELINES WE HAVE SUBMITTED DOCS WITH ZERO RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian to remove a late payment on my credit report
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Access to My Student Loan Data & Request for Loan Discharge To Whom It May Concern, I am filing a formal complaint regarding the unauthorized access and potential misuse of my student loan data, which I believe renders my loans invalid. Specifically, I have reason to believe that my personal financial information was improperly accessed through the Department of Education, in violation of the Privacy Act of 1974 and the Gramm-Leach-Bliley Act by the Department of Government Efficiency ( DOGE ) and its staff. Due to this breach, I request that my student loans be discharged and removed from my credit report.

The unauthorized access of my data has compromised my financial security and exposed my personal information to misuse. Under federal law, unauthorized third-party access to personal loan data constitutes a violation of my rights and raises concerns about the integrity of my loan records. Given this breach, I request an immediate review of my case, loan discharge under applicable federal protections, and removal of the affected loans from my credit history.
Product: Debt collection

I am revoking all rights, as power of attorney, I, XXXX, natural person, original creditor, power of attorney, XXXX ; only i can act on my behalf ; Navient has violated my Federally Protected consumer rights according to FCRA, as follows : 15 usc 1692 ( a ) states I have rights to privacy 15 usc 1691 ( b ) no permissible purpose, or written consent 15 usc 1692 ( g ) - Exhibit E 15 usc 1602 ( p ) unauthorized use-Exhibit D 15 usc 1692 ( j ) deceptive forms -Exhibit D 15 usc 1682 ( b ) no original creditor- Exhibit D 15 usc 1682 ( c ) no prior consent for alleged contract -Exhibit F 15 usc 1692 ( e ) ( 2 ) ( a ) - false representation if character amt. positive balance instead of neg.-Exhibit C ( times 5 ) 15 usc 1692 ( b ) ( 2 ) state no consumer owes any debt phasepast due -Exhibit C 15 usc 1637 ( 8 ) ( a ) opening open-end credit to consumer not obtaing age XXXX ; fact I was XXXX at the time-Exhibit B 15 usc 1666 ( b ) ( a ) treating payment late for any reason-Exhibit B 15 usc 1692 ( e ) ( 14 ) using another other name-Exhibit A They have negatively harmed my means ( rights granted ) for the use for personal, family, or household purposes ; by reporting negative, invalid information by unlawful using/obtaining my identity FOR : 5 FEDERALLYPROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1692. 
AMOUNT : {$10.00}, XXXX DUE UPON RECEIPT. PAYMENT METHOD : PAY BY CHECK. 

15 usc 1681 Civil liability 15 usc 1611 criminal liability For willful/knowingly violations which will impose fees, and/or imprisonment
Product: Mortgage

Spoke to someone about the overage when transferred to this company and the escrow. I wasnt negative. Then a few months I am. I had XXXX. Extra from payments being sent. No one said anything about the time it will sit account before they will take it after question the amount. Ask for it to be refunded told no. They were to ask where I would lime for it to go and never did. So instead of refunding me or out to escrow that they say I'm short in. They moved the money to principle on their own to make my payments higher which is XXXX and I'm on fixed income. Ut that way they get free money and more from me. Making it harder on me. To include I still never recieved the back pay from the old company that sold my acct when they found out I had recording of them owing me my tax payment amount that I filed before on here. I sent that info with. We company and still nothing. I'm due XXXX plus from that still. They still havent refunded the late fee with this new company or the XXXX fee that the last company lied about a forclosed fee to my investor. I want to be refunded all my money and them to put that XXXX to that escrow and lower my payment back to it's original payment XXXX. XXXX where it should be. I called them again and spoke to a guy and gave permission to call bk if disconnect and no call back or anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 derogatory accounts on my credit report for some years now and the credit bureaus kept sending me back a letter saying verified. Although I kept on asking the question, verify by whom and how, the credit bureaus never answered me. I have written a letter to the creditors, ( XXXX and XXXX  ) via certified mail and they have failed to provide the requested documents to justified their position to keep these negative accounts on my credit report. I have send copies of their response to the credit bureaus to prove my point, via certified letter, showing them that the creditors ( XXXX  and XXXX  ) was not able to Verify anything. I am asking the Credit Bureaus to please delete these derogatory items from my credit report and get me out of this financial nightmare that Ive had to live with over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn. Is trying to say I still owe on something u filed a Bankruptcy over for XXXX. they have tried to reage the account to XX/XX/XXXXwhen in fact they 've had it sinceXX/XX/XXXX. When I filed against XXXX back then it was filed against XXXX XXXX ILXXXX now their trying to stick me with it reaged. The credit bureaus do n't believe me even though I 've offered proof.
Product: Credit card or prepaid card

We have citi card and the zero percent financing ended XX/XX/2019. We had a credit limit. We do not remember each credit cards limit because we rely on credit card company to deny any purchase over the credit card limit. {$4100.00} of credit card went over the limit and citi never declined credit card until after that huge amount was over billed. Then, citi said our minimum payment was entire amount of money over the credit limit, which they caused. We would like reimbursement of money over credit limit, reimbursement of any interest charged over credit limit, and for citi to stop these unlawful practices in future with other customers.
Product: Credit reporting or other personal consumer reports

To whom it may concern at XXXX XXXX XXXX MACYS/CITIBANK, N.A . 
and BESTBUY/CBNA Congress says `` accept as in provided in paragraph 3 the term consumer report does not include reports containing information solely as the " transactions or experiences '' between the consumer and the person making the report '' Payment History would qualify as a " transaction or experience '' Therefore reporting this derogatory information on my consumer report is in direct violation of laws set for by Congress. 
I received a copy of my credit report and have found the following items to be in error by the provisions of the Fair Credit Reporting Act I respectfully demand these items to be investigated and updated on my credit report it is my understand and belief that you will recheck these items with the " creditor/agency/corporation '' who posted them Pursuant 12 CFR Part 1006 - Fair Debt Collection Practices Act According to Federal Law reporting late payments is ILLEGAL 15 USC 1681 ( d ) ( 1 ) ( 2 ) ( a ) ( i ) ( b ) if they are unable to provide proof or Lacking proof of these payments being late please update my payment history to ( PAANL ) status ( Paid As Agreed Never Late ) according to consumer protection laws.

Please update any information that the " creditor/agency/corporation '' can not verify it is to my knowledge that under 15 U.S.C. Section 1681i ( a ) that withing ( 30 ) days you must complete this re-investigation of the receipt of this notice Please send me an update copy of my credit report to the above address Thank you for your time and help in this matter.
Product: Consumer Loan

Constant phone calls on my job. I have verbally ask them not to and my boss has complained about it to me. Effecting my work status. -- -Cash Central. Calls have also been made to friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my report with transunion. this has been an ongoing issue that needs to get resolved. checking my file it has caused alot of denials with inaccurate information that is reported to be cleared asap. please review an remove the listed items to correct my file asap.
Product: Payday loan

On XXXX. I took out a payday loan of {$1000.00} thru Castle Payday. They approved my loan i have paid them a total of {$2800.00}, that is 286.90 % interest. I have been receving calls from a coolection company stating that i will be served with court papers. i feel i dont owe them anything they got {$1800.00} in intrest.
Product: Debt collection

XXXX XXXX XXXX XXXX is not license in the state of Georgia but they or still reporting to credit report and attempting to collect a debt that is not mine and/or is a result of identity theft/fraud. On XX/XX/2018 i have mailed a fraud package to XXXX XXXX XXXX ( PRA ) showing that that account they are reporting and attempting to collect on is not and was not the account i held with XXXX. In this package were several bills i paid to, as while as a collection letter from another debt collector showing my account number, which does not match PRA. I have asked that they remove its listing from my credit report, as i have gone above and beyond to show that PRA reports is in error and inaccurate. I also provided a copy of the police report file showing that my identity was stolen and used in prior years. To date i have not heard back from PRA, but it reporting still remains on my credit report as a valid debt when it is not. XXXX   XXXX XXXX XXXX is not license in the state of Georgia.