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

In the previous 3 to 12 months, I have disputed XXXX XXXX  through ALL 3 major credit reporting bureaus. Upon each investigation, the status of the above account remains " unchanged. '' XXXX XXXX  put this account into collections and subsequently CLOSED this account. However, according to ALL XXXX CREDIT REPORTING AGENCIES, this account is listed as an OPEN account. The XXXX account went delinquent when I became very ill, lost my job and became homeless from XX/XX/XXXX until XX/XX/XXXX. During these years, I was living in my car and/or family/friends or providing in-home care for the elderly. I had no viable means of income and this account went into default. 

As a result of XXXX XXXX  erroneously stating that this account is open, has caused me to pay extraordinarily high interest rates, and be denied for housing or paying an " extra deposit, '' to rent apartments. 

XXXX XXXX  has already benefited from this capital gains/loss via the INTERNAL REVENUE SERVICE by stating this account was closed and charged-off. Yet, they continue to report this account is " open. '' By their own admission, the above account is CLOSED. Please help me correct this inaccuracy. I have tried several times through the XXXX, Equifax and XXXX to no avail. Thank you. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX, mobile XXXX or XXXX ( landline )
Product: Credit reporting or other personal consumer reports

I keep getting denied to anything I applied for Could be either a car loan, an apartment for rent, a credit card or even debit cards. I see a lot of inquires in my report that I haven't done. So many times.for the same place Someone is just trying and trying to open bank accounts. They have cashed checks so I can deposit my checks. I can't have a bank accounts because all of this things affecting me record. Im not sure how to tfix it. I'm trying to figure out who's also applying for cars and other things under my name and my social. 
I have lost money because of it. I get my accounts closed such as fidelity and I don't get my money at all. 
Idk what's happening but fidelity didn't even say anything as a reason. That's one example.
Product: Vehicle loan or lease

Besides it was a used vehicle, after 4 months it started having problems .but i waited until i could n't drive it no more and then i stopped making payments. so right now credit acceptance have a lawsuit against me regarding that loan on the used car and i can't pay that no more. plus the dealer said that if the car break down and i take it to them they don't promise anything. So my hopes were really down to the ground. What kind of car dealership tells that to a customer?? 
So, they took the car away and however credit acceptance still want me to pay for it. 
That's why this company have so many complaints and that's why they have been sued They sent me a notice regarding this case where i should appear in court and i got it on XX/XX/2023
Product: Money transfer, virtual currency, or money service

Rec 2 checks s for {$800.00} each, deposited into acct on XX/XX/XXXX, funds put on hold then posted to my acct making funds available on XX/XX/XXXX. Unfortunately, I was unable to follow thru with commitment so I needed to return funds. Initiated wire transfer and confirmed with Bank of America that funds were definitely available and once confirmed, I sent wire. On XX/XX/XXXX I tried to log in on my online banking app and could not so when I called bank, I was told my online banking had been suspended and my acct was overdrawn by over {$900.00} as they debited the {$1600.00} stating checks were fraud and after arguing with them and telling them they needed to credit back funds since they are the ones who released them to begin with and was told that they are sorry for my frustration, but nothing they could do
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, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXXXXXX XXXX Balance : {$7600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE LIABLE FOR VIOLATING MY RIGHTS! 

I am addressing the fact that you were furnishing inaccurate information on my consumer report. You have now deleted the accounts # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX from my consumer report. This proves that you were reporting information on my consumer report that should not have been there. This proves that you did not exercise your grave responsibility with fairness and impartiality. You are liable for willful noncompliance. Please pay the invoice pursuant to 15 USC 1681n. 
Your company inaccurately and falsely reported information on my consumer report that resulted in defamation of my character. I have been denied my right to extend credit and have been discriminated against as a result of your deceptive practices. You made creditors believe that I was in debt and you could not prove that to be valid. If the debts were valid, you created a false impression that I was unable to handle my business and pay the alleged debts. Ive suffered sleepless nights and emotional discord as well as financial strain because of your company falsely reporting information. Therefore, your company is liable, pursuant to 15 USC 1681 ( o ).

According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document coming from your agency does NOT MATCH my personal credit file account information.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business online freelancing since 2019. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.
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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermoretheir dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The TransUnion web page ( XXXX XXXX XXXX XXXX for viewing and placing Fraud Alerts on my TransUnion account has been non-functional for more than 6 months. I've called them about the issue and filed a previous complaint with CFPB, but I still can not view, place, or extent our Fraud Alerts on their web site. 

See the attached picture that shows the broken page with screenshot taken on XX/XX/year>. It has been so for more than 6 months for me. 

The company responded to my previous complaint at CFPB saying that the issue was fixed. It is not ; I still can not access the Fraud Alert page.
Product: Credit card or prepaid card

XXXX, Bank of America ran hard inquiries and opened credit cards in my name this this past week. Also had someone try to take a loan out using XXXX XXXX XXXX which was another hard inquiry. I contacted both credit card companies and had cards canceled asap and opened an investigation on all three through XXXX. I also had credit agencies freeze my credit reports. I was told to report it here as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters trying to get XXXX and Equifax to properly investigate and account witch was re inserted on my credit file. it was removed in XX/XX/XXXX and now it is back on my credit file with same company in XX/XX/XXXX. the exact same account for the exact same about the only difference is the account number changed. Old account number was. XXXX and the new reinserted number XXXX. I was not notified by the company XXXX nor the credit reporting bureaus informed me of this matter. I know that they have violated the FCRA and I have given both bureaus the opportunity to properly investigate this matter and resolve it but they still have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX. My SS # XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX/XXXX XXXX XXXX # XXXX account is reporting on XXXX, XXXX 30 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - XXXX ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in 2021, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. Under the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed. 


Under the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX has violated my consumer rights by reporting fraudulent information across my XXXX and Experian consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 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 an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Under the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across all XXXX of my consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 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 an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

Debt Recovery Solutions of XXXX, NY ( XXXX ) had been harassing me for a debt owed by an XXXX XXXX. I do not know an XXXX XXXX and an XXXX XXXX has never been at this address or phone number. After being informed of this information, the harassing phone calls will stop for a few months. They have resumed again, despite repeated warnings.
Product: Debt collection

SANTANDER CONSUMER USA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I have been working to resolve this repayment plan and options only to reduce my current monthly payments from {$260.00} to {$57.00} which I was informed that I was approved for the {$57.00} repayment plan. I submitted the requested documents via of electronic submission and downloading and attaching the proof of income of which my income has decreased. I continue to receive calls from Navient day and night beginning at XXXX until XXXX. These calls are all throughout the day and evening. It is very disappointing that when you speak with a representative to resolve the matter, and you are told we are here to assist and how can you get the best repayment plan, you are only offered false hope and additional fees. I will seek additional information on how to join the class action lawsuit against Navient, I have not even graduated and they continue to threatening me, I am beginning to believe that Navient is a fraud due to their ill-intent actions in claiming that I was approved for a repayment plan of {$57.00} and losing my income. Please help resolve this issue and provide assistance in getting this debt discharged. Thank you. XXXX
Product: Debt collection

To whom it may concern, Pursuant to 15 USC Section 809 ( B ) I'm putting SECURITY CREDIT SERVICES on notice that your claim is disputed and validation of the furnished account. SECURITY CREDIT SERVICES has not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I have a right to this information, as it's directly associated and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector. * Chain of Title Proof that you are a licensed debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. * A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting. And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account? 2. What are the terms of the transfer of rights regarding this alleged account? 3. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature? 4. Did you purchase this alleged account from the alleged original creditor? 5. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount? This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ). Failure to remove off my credit report will result in legal matters being taken and me turning SECURITY CREDIT SERVICES into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply. " I certify under penalty of perjury under laws of the United States of America that the foregoing is true and correct. Executed XX/XX/year> Maxim of law : My god said, " I'm under law and statues, codes, and ordinances doesn't apply in this court. '' An unrebutted affidavit stands as truth in commerce. A matter must be expressed to be resolved. Good Faith Without Prejudice Without Recourse Under Duress By : XXXX XXXX.
Product: Prepaid card

My XX/XX/XXXX. was direct deposited to Pay Pal debit cash money card to there Company.I used it 1 time and XXXX XXXX locked my card.The card was put on Limitations on XXXX XXXX. I tried numerous times to resolve my issue to only have my Account closed on XX/XX/year>. I've exhausted My attempts trying to resolve the issue. The amount thar was deposited was XXXX from The Ohio XXXX. My address at the time was XXXX XXXX XXXX, OH, XXXX
Product: Vehicle loan or lease

My first attempt has been completely ignored by CARMAX this is my 2nd attempt to resolve this matter. I wish to bring to your attention my dispute concerning a consumer credit transaction that transpired with CARMAX. Upon careful review of the automobile contract, I have identified discrepancies that contravene the Truth In Lending Act. This letter serves as a formal notice of these violations. I do also want to bring to your attention Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. 
In the course of the consumer credit transaction, where credit was extended, CARMAX has mischaracterized the nature of this arrangement, representing it as either a loan or a Retail Installment Sales Contract. The Truth In Lending Act mandates that consumers be fully informed regarding the utilization of credit and protected from unfair credit card practices. 
Enclosed as Exhibit A, I have outlined specific instances where CARMAXcharged me for interest, and insurance costs were excluded from the finance charge. As per the Truth In Lending Act, the finance charge should encompass the sum of all charges ( 15 U.S. Code 1605 ). Contrary to this, I incurred a total charge of {$22000.00}, surpassing the finance charge of {$5000.00}. 
Additionally, the Act stipulates that interest must be included in the finance charge ; however, I was separately billed for interest. The failure to disclose that insurance should be part of the finance charge is a violation of my federally protected rights and was not presented clearly and conspicuously. 
A further point of contention is the down payment. According to 15 U.S. Code 1662, a creditor can not impose a down payment unless it is uniform for all consumers. Despite this, I was charged {$1400.00} for a cash down payment. 

It is disconcerting that I had to independently research and uncover these details, especially considering your company 's status as a Truth In Lending Act lender obligated to provide consumers with comprehensive cost disclosures. 

These laws must be enforced by the Consumer Financial Protection Bureau as stated in : 15 U.S. Code 6805 ( a ) Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Please be aware that your CARMAX is criminally and civilly held liable pursuant to 15 U.S. Code 1611, 15 U.S. Code 1640, 15 U.S. Code 1662, 15 U.S. Code 1605, and 15 U.S. Code 45.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts are reporting on my credit reports that are incorrect XXXX XXXX-XXXX**** XXXX XXXX XXXX XXXX** XXXX XXXX   XXXX**** XXXX XXXX XXXX****
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.