23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When my vehicle was repossessed I was not notified that I had a right to dispute. 

Since that time the debt has been sold to another collector, but Toyota Motor Credit is still reporting on my credit report and updating it. This is after calling and trying to get information, but what was told to call somewhere else because they are no longer servicing the account and that the debt has been sold. 

At one shortly after the repossession I called to set up payment arrangements. They would not accept my attempt to set up an arrangement at all. They kept telling that the account was in " limbo '' and would not allow a payment arrangement to be set up. As a result of this I lost a job opportunity because of this debt 's inaccurate reporting on my credit XX/XX/2019 ). 

I have also previously filled a XXXX  complaint ( # XXXX ) There is also inaccurate payment history reporting to both XXXX  and XXXX credit bureaus. The account still reports as if it is open, but is also listed as a charge off.
Product: Consumer Loan

My issue is with my current finance company Exeter Finance. I purchased a vehicle XX/XX/2015 from XXXX which was to be financed by Exeter finance company. I returned the vehicle the same day because I was having issue before I could get it home and I got another car financed through Exeter. XXXX sent the funds for the first car back to Exeter via ACH as they should XXXX/XXXX/XXXX, however I did not know until recently that Exeter Finance put the original loan for XXXX on my credit report ( which is incorrect ) along with the current loan that I have. I am having issues with the car that I kept a XXXX Chevy Equinox and went back to XXXX XX/XX/2015 and purchased another vehicle that I returned the next day. XXXX sent those funds to Exeter Finance on XXXX/XXXX/XXXX as required under the return agreement. Exeter Finance also has that loan for XXXX on my credit report ( which is incorrect also ) as well even though they received the funds via ACH from XXXX. Neither of those accounts, XXXX and XXXX, should be on my credit report and they are not removing them. I have called numerous times to no avail. They are not taking this issue seriously and they do not care that they are destroying my credit score and it appears that I have XXXX loans with them totaling over XXXX when I do n't. I have XXXX loan with them for about XXXX. I spoke with Transunion and was told I should not have to dispute these that Exeter can remove these mistakes ( THEIR MISTAKES ) the same way they put them on there. I am exhausted trying to get someone else 's mistake removed. My current car financed through Exeter is shutting off while I am driving which XXXX extremely dangerous and scares me as I have XXXX children. I have gone through the expense of renting vehicles to have something safe to drive as I have physical limitations and I need a reliable car. I can not purchase another car until Exeter removes the FALSE loans from my credit report. Can you PLEASE help me get a resolution to this issue? I have called the corporate office only to be sent to a voice mail. I am not understanding why that would be the case during business hours and that is not the first time I called. Again can you please help me resolve this issue? Thank you in advance for any help you can offer me in this situation as it seems Exeter has no intention on resolving this issue and rectifying THEIR mistake. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$27000.00}
Product: Debt collection

Your company is in violation of my consumer rights You are attempting to collect a debt. 

Please provide a wet ink signature between you and me. 

Under 15 usc 1692cXXXX XXXX XXXX XXXX as the consumer can refuse to pay a debt collection. 

15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hindered my ability to obtain credit.

Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.
Product: Debt or credit management

I hired this credit repair company by the name of XXXX XXXX ( XXXX XXXX ) to work on my credit and they have not given me the results i wanted..NOT TO MENTION when I asked my agent " XXXX '' to assist me and explain what was the updates on my credit report she wouldn't give straight foward answers and not to mention she was very rude and at some point she hunged up in my face!! they promised me a-lot of things and now I am being sued from a credit card company because of these guys. There is never a way to get in contact with them whats so ever and they had me under a third part name Denefits for a contract that I was not aware of by the way.. If I didn't pay them at all they would've basically put it on my credit as collections. I am so disgusted with this company they truly need to be fully investigated. I heard from others on social media that the guy that owns this company is a scammer and being investigated with the feds.
Product: Bank account or service

Hello everyone my name is XXXX XXXX and I had a Business account with Wells Fargo which soon sky rocketed down because I was not informed that this third party would have access to my account to take out funds for a credit/debit card machine, So as they began to withdraw funds, I was being over drafted every month {$34.00}. I called the bank to ask about the situation and I was told that the funds that was causing my account to over draft was for a " cash register '' that I never received. So I asked them who gave them the authorization to go into my account to take out the funds, so they then told me that they were going to get in contact with the third party to stop what was going on but it never happened. So that left me no choice but to close out the account, which made my daily income to go from $ XXXX- {$20.00} because most customers used debit/credit cards and not cash, which made me lose customers. With me having XXXX kids, a XXXX father, XXXX husband, and this being my " first business '' made it very difficult for me to have time to go open up another business account somewhere else. One day I had to close down to go open another account with a different bank, and when I went to XXXX and XXXX XXXX XXXX I asked them did they have any third parties that they hired for the card machines and I was told Yes. So since the bad experience with Wells Fargo I lost trust with banks and this third party having access to my business account, which meant I could not accept no more debit/credit cards for my restaurant. Which left me no more business and bad credit because of them charging me for closing out the account and the credit card machine that I have today. So if someone can help me with this issue with Wells Fargo or just maybe my experience can stop the banks and there third parties go into peoples accounts taking out funds.
Product: Credit card or prepaid card

Received an email stating my XXXX XXXX gift card was ready to cancel click here. This link led my to a paypal site that had me enter in my social secutiy number, D.O.B., birthdate, address phone number, credit card number-expiration date. Once I enterd this then asked for my mothers maiden name as a security question. Then requested a photocopy of my license which I did not send, by then I realized I had been phished and immediately exited the scam site. No fraudulent activities have occurred yet but someone has my information and I fear they will open credit cards or obtain my social # and identity for malicious purposes and their own financial gain/benefit. This report is to help aid in clearing my name in the event of future neglect in any of the fields listed above. This is the email origination -- -- -- -- -- -- XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DEAR MIDLAND CREDIT MANAGMENT, 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 below. 

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

I had a credit card with XXXX XXXX in 2023 and I had XXXX XXXX XXXX and wasn't able to make my payments. I had a balance of {$580.00} with XXXX XXXX XXXX XXXX violated my rights by selling my personal information to Midland Credit XXXX The account number with Midland Credit starts with these numbers or it ends with these numbers XXXX. Under Consumer Law 15 U.S. Code 1681 also known as the Fair Credit Reporting Act ( FCRA ), governs the access to Consumer Credit Report records and protects the privacy of personal information.The law requires consumer reporting agencies ( CRAs ) to act fairly and impartially and to respect a consumer 's right to privacy. XXXX XXXX violated this law and my rights.I wasn't notified by XXXX XXXX or by mail or any other kind if written receipt that this kind of action was going to be done. Consumer law states that the Consumer must be notified within 15 days before any further activities can be done. Under 15 U.S.Code 1681 the following Permissible purposes this information was not pertaining to employment or insurance under writing, tenant screening, or national security investigations. This is unfair and ethical to a consumer! 15 U.S.code1681 4b states the Improper utilization of Relevance on the Consumer Report Accuracy and Fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing that the following accounts are charged off every month since XXXX. Some of the account show charged off and closed and late all at the same time. XXXX will not allow me to file a new complaint with them and they have the incorrect information. I have requested the information they have be verified by me by having it sent and nothing was sent. They should not be in business : XXXX XXXX XXXX  ; charged off ONE TIME in XX/XX/XXXX. I spoke to XXXX XXXX XXXX on XX/XX/XXXX and they verified it was charged off in XXXX and not been reported late or charged off since. XXXX is saying its charged off XXXX. 

XXXX XXXX XXXX ( XXXX ) ; charged off XXXX. The cares were given back to the company in XXXX XXXX bankruptcy and should be reporting charge off in XXXX but XXXX has it showing charged off in XXXX XXXX ; charged off in XXXX XXXX is showing charged off in XXXX this was included in XXXX XXXX bankruptcy. 

I want XXXX to supply ME AND I DEMAND IT the information that matched what they are reporting, what a pile of XXXX credit agency. I could lose my job over this incorrect reporting. This is holding up a XXXX XXXX XXXX  and Im XXXX XXXX because of the inaccurate data on XXXX.
Product: Credit reporting or other personal consumer reports

SOMEONE WAS ISSUED A CREDIT CARD FROM XXXX XXXX IN MY NAME. {$650.00} HAS BEEN USED ON THIS CARD AND NOW I HAVE NEGATIVE INFORMATION ON MY CREDIT REPORT. I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT IN MY NAME. XXXX XXXX, EQUIFAX AND XXXX HAVE ALL REPORTED THIS INCORRECT INFORMATION ON MY CREDIT REPORT. 15 USC 1681 STATES THE RIGHT TO PRIVACY AND PROPER USE OF MY CREDIT REPORT. PLEASE HELP ME.
Product: Debt collection

I Sent 4 requests for a signed copy of contract along with a request for accounting based on XXXX XXXX accounting practices. 
I have received neither. There is no debt and XXXX XXXX failed to prove a debt exists. I have an unrebutted affidavit of XXXX balance. 
My credit has been affected and they keep ignoring me and have filed a lawsuit. I ask for XXXX XXXX to comply with the Law and take this off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Product: Student loan

PARAMOUNT CAPITOL GROUP XXXX XXXX XXXX PAXXXX Acct # XXXX I spoke with XXXX XXXX about my account on ( XX/XX/XXXX ) and I asked her why they were not sending me my states meant since XX/XX/XXXX. She claimed that I filed bankrupt on XX/XX/XXXX and listed there organizations in the bankruptcy case. 
I told her that she should of received a document in XXXX XXXX regarding the release to continue with the loan agreements, further more, I told her that I need all of the statements since conception ( XX/XX/XXXX too XX/XX/XXXX. 
She said she needed to copy of the bankruptcy discharged papers in order to release them. 
I sent them on, by email, on XX/XX/XXXX. I sent her two more emails asking her where are the statements? I have had no response from her or the company.
Product: Money transfer, virtual currency, or money service

When I sent money with Zelle I never know all the rules. I feel like they take all your info
Product: Vehicle loan or lease

My daughter and her boyfriend got an auto loan through XXXX XXXX XXXX. The company call them over every little thing they can create. They are nor have they been late on a payment. 
The problem is whenever they call my daughter, they also call our business cell phone, which we let my daughter use for a reference only. I instructed my wife to track every time they call. Today they called and my wife instructed them to take note and never call this number again. An hour and a half layer they called again because they wanted to get ahold of my daughter and she didn't answer. 
I called the company and asked who their agent for service was. The lady ( XXXX ) had no idea what that was. I explained what it was and she put me on hold for a moment. When she got back on she said the lady 's name I want is XXXX. I asked for a last name and she refused. I asked her name and she told me her first name but refused her last name and hung up on me. 
This is unacceptable behavior and harassment and I will not tolerate it.
Product: Student loan

I received a letter from Mohela dated XX/XX/2022 indicating that my student loan was not forgiven based on three factors. Those factors were false. I worked for over 11 years in a public school system and Im currently working there. My employer completed the PSLF form indicating that I still work there. Yet the letter from Mohela said that it had an end date which was incorrect. The letter said I didnt indicate I worked full time nor did I show I work at least XXXX hours. The letter from my employer showed that I worked XXXX hours and that Im full time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00},
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I disputed a Federal ruling about the use of consumer reports for the collection of an account, with all three credit buraus ( XXXX, TransUnion, XXXX ). I requested written confirmation of the removal, and It seems only XXXX has responded with this information as being " Updated '' and the other two have yet to respond.

Yet the derogatory mark still remains and is being shown as a closed late pay, collection, account across all three credit buraus. 

They are now in violation of this ruling and the FCRA as this reporting does not derive from a credit transaction. And is not a loan from a lending institution. 

By not following through on my dispute to delete this information from my credit report immediately based on this Federal mandate. 

See attached notice found on TransUnion website stating : " Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted '' The above notice was attached and sent with a legal notice to all three credit reporting buraus CEO 's informing him/her to remove this reporting and they have failed to do so.
Product: Mortgage

We refinanced our mortgage Fall if XXXX. Our mortgage was purchased by Lakeview Loan Servicing.  I made out first payment using their online system. Then I set up automatic payments beginning XX/XX/XXXX and then repeating kn the XXXX each month. I set this up using my checking account. I recieved a letter from Lakeview confirming that the payments would be automatically deducted from my account. I noticed on XXXX that the money had not been deducted from my account. I thought maybe this was due to XXXX XXXX XXXX XXXX. I emailed them on XX/XX/XXXX hoping to resolve the situation. On XX/XX/XXXX my husband called and spoke with 2 customer service reps. He was told that I had set up the account with our saving account, which is not true. He them requested to make a payment and was told to make the payment over the phone it would cost us an additional {$15.00}. We have also been charged a {$30.00} late fee. We requested that this be waived since my saving account was never on the auto draft account and I have money on my account to pay them. They are very shady and dishonest in their fees and I question the legality of these fees to pay over the phone. Also, I felt pressured to sign up for autodraft because if I didn't I would have to pay a {$5.00} fee every time I make a payment.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account closed and is at {$0.00} balance and hasnt been removed. 

XXXX is closed and at {$0.00} balanced but not removed. 

XXXX account closed and at {$0.00} balance. 

XXXX XXXX  {$0.00} balance and closed but not removed. 

XXXX XXXX  {$0.00} balance but not removed XXXX XXXX {$0.00} balance and not removed XXXX XXXX {$0.00} balance but not removed
Product: Credit reporting or other personal consumer reports

While going through a modification process, the amounts I paid for XXXX XXXX XX/XX/XXXX was placed in a holding account. 

Another department from XXXX  XXXX XXXX reported payments as missed payments. I was informed that once the modification period was over, everything would be accurately reported. I resumed regular payments on XX/XX/XXXX. 

As of today, my reports still show that I have XXXX missed payments. This has caused my scores to decrease by more than XXXX points. 

Additionally, I purchased my home in XXXX and XXXX  XXXX XXXX has me paying on this loan for another XXXX plus years. I am XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX, and 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 an account without my written instructions.