23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am writing to issue a formal complaint against Advance America regarding account # XXXX. I entered into a deferred presentment loan agreement with Advance America on XX/XX/2020 with a payment due date of XX/XX/2020. As evidenced in the attached agreement, I received a disclosure regarding my potential eligibility for the extended repayment plan allowed under Michigan law. I also received the attached disclosure advising of the same. On XX/XX/XXXX, I contacted Advance America to request the extended repayment plan for my loan. I was told by the customer service rep that Michigan law changed on XX/XX/XXXX such that borrowers were only allowed one extended repayment plan in 12 month period. I was further told the only option that was available to me was a payment extension for two weeks until XX/XX/XXXX. Although I could not find anything that confirmed the change to state law, I agreed to the payment extension as I was advised that was the only option available to me. 

I performed additional research which seems to indicate the information I was given was factually incorrect. I can not find anything that indicates a change to state law has occurred. I reached out again today ( XX/XX/XXXX ) to inquire about an extended repayment plan. This time I was told that it wasn't a change to state law but an internal policy of Advance America that only allows for one extended repayment plan in a 12 month period. This seems to directly contradict state law ( 482.2155 Sec. 35 ( 2 ) ). I pressed the supervisor I was chatting with on this and was told now that I was not eligible for  the extended repayment plan because I agreed to the payment due date extension. I advised the only reason I agreed to the extension was because I was given incorrect information about my eligibility for the extended repayment plan. The supervisor was unwilling to accept that Advance America had failed to follow State of Michigan law and the terms of the loan agreement. I asked the supervisor to provide me with a letter saying I was denied the extended repayment plan. She responded that I could save our chat conversation but unfortunately there was no way to save the transcript and the session was disconnected before I could take a picture.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.
Product: Debt collection

After reviewing my credit report and seeing XXXX XXXX I had contacted him to provide an original contract between me and them. They never verify the debt. I called XX/XX/XXXX looking to settle this unverified debt. I told them due to covid I am not working but still tried to settle the account for {$200.00} and they told me no. 


So I decided to call HSBC BANK NEVADA N A who they claim are the original owners and they indicated to me that the account has already been paid off and is closed. 

Please forgive the negative remark made on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I have disputed this item with you guys and the only credit bureau that have not removed. It is XXXX XXXX This account keeps showing up as a charge off when it was paid, and several inquiries that keep popping up on my account that I have no knowledge of, and I would like the incorrect information to be removed from my credit report
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. 

Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting

Credit report continues to show duplicate accounts that will not be removed. After running the Experian score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.
Product: Mortgage

XX/XX/XXXX Me and my husband signed an extension agreement for {$1900.00} which included the monthly payment and any late fees. Once that amount was approved my account was supposed to be caught up. The 1 month payment and all of the late fees were to be moved to the end of the loan. I called to verify that the extension was approved and I did see where they did move the payment to the end of the loan but not the fees they moved {$1300.00} to the end of the loan and made the account current and due for XX/XX/XXXX. I have a copy of the fax I will attach it. My mortgage has now been transferred to another servicer and the late fees are still on the loan. Can you see that they do indeed remove the late fees per our agreement on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's XXXX of the few things I want to be protected, my life is already stressful as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got reported of late payment and I wasnt at all I attached a document showing a payment deferral agreement in the same time they report the late payment. The creditor is Toyota.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, not authorized.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion XXXX Department, I am writing to dispute XXXX fraudulent accounts that appear on my credit report : 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 XXXXXX/XX/XXXX I have never conducted any business with these companies, nor have I authorized them to report any accounts on my credit report. These accounts were opened without my consent and are fraudulent. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding these fraudulent collection accounts. Please investigate this matter and remove both accounts from my credit report immediately. 

I appreciate your prompt attention to this issue and request written confirmation once the accounts have been removed.
Product: Credit reporting or other personal consumer reports

FTC REPORT NUMBER XXXX These are not mines I was a Victim of Identity Thief. This is wrong on my credit report, I want these removed in 30-45 days.

I DEMAND PROOF OF VERIFICATION WITHIN 30-45 DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS!! 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

( These is the follow law that been broken during this span ) 15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report,
Product: Credit reporting or other personal consumer reports

Notice Of Dispute and Intent To Sue For Negligence and FCRA Violations and Privacy Act. Ive Stated to Equifax That there are Unauthorized Data Listed on my Inquiry Section on My Consumer File Listed With ( Equifax ) they Stated Inquiries are FACTUAL when in fact they are inaccurate and Unverifiable information due to the Fact none of my Household members have any open accounts or Requested any information from such Companies I DID NOT AUTHORIZE the Companies listed below to furnish any data on my File Remove these Inquiry Items Immediately SEE BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX # XXXX AMOUNT {$18000.00} ACCT # XXXX AMOUNT {$5000.00} ACCT # XXXX AMOUNT {$540.00} ACCT # XXXX - The debt collector has failed to provide me with an original contract for the accounts listed above. Account summaries & bill statements are not verifiable documents 1692 ( a ) ( 2 ) Page 97-99, The alleged original contract between the creditor & debt buyer does not specify what accounts theyre transferring ownership of.

Page 100, Declaration of Account Transfer In the lieu of this transfer I was not notified of the debt being transferred from XXXX  to XXXX XXXX  nor did I sign any contract agreement giving them the right to. If I did they need to send proof of an original contract with all parties signature including mine to verify. 
1692g ( b ) As for XXXX XXXX  ACCT # XXXX AMOUNT {$18000.00} This account has several inaccuracies, from the ending balance to the reporting balance, payments & its open account status. Not only that XXXX XXXX has yet to provide me with an original contract signed by all parties including me proving they have the right to collect on this alleged debt. 

Under USC 15 code 1692g ( b ) I demand XXXX XXXX  send me proof of the alleged debt to these accounts. I am requesting the Original Purchase Agreement signed by all parties including me, Original contract establishing account with creditor proving the account belongs to me, documents must be signed to be verified.The Original Terms & Conditions of each alleged debt, and the date of the first delinquency with original creditor. Account summaries, bill statements & inconsistent documentation is not verifiable. 

XXXX XXXX has 10 days to respond to this complaint, not XXXX, they are not the owners of the alleged debt. According to page XXXX the debt was transferred to XXXX XXXX from XXXX Acquisitions. XXXX XXXX needs to provide me with the original contract with all parties signature including mine, giving them the right to collect on this alleged debt. XXXX XXXX also needs to contact the original creditor to specify what accounts were sold for ownership, the bill of sale on page XXXX, doesnt specify what accounts are for sale nor do they specify the ones that are being sold. Furthermore XXXX XXXX must provide me with an original contract with all parties signature including mine for each account not just one. If unable to verify this is a direct violation of the FCRA & all of these accounts need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I had filed complaints to the three bureaus ( XXXX, Experian and XXXX ) on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Product: Credit reporting or other personal consumer reports

This is my 20th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am concerned about the growing fraud cases involving Zelle and its lack of protections for users. Many victims, including myself, have lost money through scams and unauthorized transactions, with no recourse offered by Zelle or the associated banks. Unlike other payment platforms, Zelle fails to provide fraud resolution or adequate warnings about these risks. 

Consumers are left helpless as Zelle and banks refuse to reverse transactions or take responsibility. This lack of security and transparency is unacceptable for a financial service. I urge the CFPB to hold Zelle accountable and require stronger fraud protections, transparent policies, and better safeguards for users. 

Thank you for addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT ADJUST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am requesting to see my signature for this account this is not my debt I am demanding that it be removed from my credit XXXX XXXX Sams
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, these concerns remain unresolved. Your firm characterizes my request for verification in response to the credit report dispute as " frivolous '' or " irrelevant. '' It's crucial to note that I don't take this matter lightly. If my initial request for verifying the items isn't acknowledged, I am prepared to file a complaint with the Federal Trade Commission. I respectfully request validation of the alleged item, specifically the contract, note, or any document with my signature. Failing that, I insist on the prompt removal of these items from the report.
Product: Debt collection

This company ( the bureaus ) has been calling me and harassing me, even though I have sent them a cease and desist. Ive also emailed them several times. They are now calling from blocked and unknown calls, but I know it is them because they specifically say the name of the company. They have also given me account numbers verbally over the phone. So if it isnt, this company then did their information get hacked and leaked? 
Ive also asked them repeatedly to send me the original documents with my signature on it, But they refused to send the correct verification. They also at one point, said they would remove it from my credit report and never did I have emailed XXXX XXXX about the documentation and I am awaiting a response. XXXX XXXX has not harassed me about it. In fact, I dont even think I got communication when XXXX XXXX sold the debt because I dont recognize this account. I am only including XXXX XXXX on this because that is who the bureaus said is the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My capital one credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of capital one of 12 month history along with the tradeline of {$600.00}. Capital one denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of capital one for XXXX and XXXX. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor capital one. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with capital one since XX/XX/XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. Capital one does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not XXXX and XXXX. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs XXXX and XXXX have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on XXXX and XXXX resulting in loss of age in credit history and fico scoring capital one have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXX XXXX   credit monitoring service as well as the XXXX report. I have an old account and another active account with capital one old account dating from XX/XX/XXXX that was settled and another that is active which is quicksilver opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by capital one to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from capital one of XXXX reporting the only cra reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, AND XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.