23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management paid in full still on my credit file XXXX XXXX XXXX XXXX I asked them to pay but don't want to take payment reported to the credit reporting agency put lean on my house. 
XXXX XXXX paid in full is still on my file XXXX XXXX paid in full still on my file
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXXXXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Student loan

I consolidated my student loans ( before ) and by XX/XX/XXXX to get the full benefits of the ( my ) Payment Count adjustment ( click on the link at https : //studentaid.govXXXX XXXX 
Federal Student Aid promised to count and adjust my payments after consolidation, before the end of 2024. Up to date I have been scammed by Federal Student Aid in the following way : a ) I consolidated my student loans and now XXXX is placing {$870.00} per month payment on my student loans. 
b ) My Payment Count toward forgiveness was never process by Federal Student Aid, and I can not afford the payment of $ XXXX. asked by XXXX. 
c ) Automatically, due to Federal Student Aid frivolous rule about SAVE plan, XXXX switched me from REPAYE plan to SAVE plan, WITHOUT MY AGREEMENT ( SEE THIS : " If you were on the REPAYE Plan, you've been automatically enrolled in the SAVE Plan. There is no need to reapply or request to change your plan '' ). 
D ) NOW, I have to re-apply for a plan in which I was originally enrolled before the consolidation of my student loans, and for which plan I already have been applying for several years, and should not be applying now, after the consolidation for the second ( XXXX ) time! Because such misled action was promoted by Federal Student Aid!!! 
XXXX ) All of the above, proves that Federal Student Aid scammed me/lied to me { likewise millions of other former students, who were scammed to consolidated their student loans } as today SAVE plan is invalid. 
****Under IDR REPAYE, I must know when ( what month/year ) I will be eligible for IDR forgiveness. Why should I reapply for REPAYE/IDR plan ( and be misused by the Federal Student Aid again ), as I NEVER SWITCHED ALONE, OR WANTED TO BE INCLUDED IN the SAVE PLAN? I EVEN WROTE TO FEDERAL STUDENT AID not to switch me, BUT WAS IGNORED, and XXXX placed me under SAVE Plan?

If the SAVE is not valid plan today, why does the Federal Student Aid automatically not place all students, who Federal Student Aid frivolously pushed to be in the SAVE plan BACK TO THEIR IDR FORMER PLANS?
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : XXXX XXXX XXXXXXXX.
Product: Vehicle loan or lease

I recently took out an auto loan with American credit acceptance LLC. After further investigation of my contract, I have came to a realization that they are in violation of several consumer laws. 
( 1 ) One being, they are not licensed to collect in my state. This was taken from the XXXX website directly. There should be a unique identifier showing that they are licensed in my state. I found the nationwide license ID displayed on their website, plugged it into the XXXX website and found nothing pertaining to my state. 
( 2 ) I also did not receive my gramm leech bliley act during the signing of my paperwork. This pertains to the company giving me the option to opt out of having my information shared to the credit reporting agencies.

( 3 ) I was also told that it was mandatory for me to put a {$1000.00} payment down to receive my vehicle. Which when it comes to finance charges, cash is not mandatory per 15 USC 1605 labeled under determination of finance charge. The definition of a finance charge states the following Except as otherwise provided in this section, 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 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. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
( 4 ) I am also being charged well over the usury law for my state. The usury law from my state is capped at 16 % and I am currently being charged a 21 % APR. 
In the following attached documents, you can see that this company is not licensed in my state. You can also see the dealership which recommended the financing company. In addition said financing company partook in deceptive practices by having it appear that I needed to sign off on the negative credit reporting in order to receive my vehicle. I was never given an option to opt out of having my loan reported on my credit. There is also an attached document showing the confirmation of my XXXX XXXX down payment. This down payment was sent to XXXX, although XXXX explain to me that it was a requirement of the bank in order to receive my vehicle. You can also clearly see in the attachment that reads law XXXX and XXXX that my APR is indeed 21 %.
Product: Money transfer, virtual currency, or money service

I received a phone call on XXXX XXXX by Wells Fargo phone number, it was their phone number so I picked up. I was told that a person in XXXX was trying to pull money from my XXXX account. He told me in order to protect my money I would have to transfer to a phone number which he provided and told me it was the manager and he would void it out. As I thought it was the bank and he walked me through the steps I thought it was legit. He told me to wait 24 hours for the system to reboot and I would have my money back. My account was at XXXX! Right after I hung up, I called Wells Fargo and told them what had happened. They opened up three cases and supposedly investigated. A week later they denied my claims because I had, according to them, authorized it. I sent an appeal letter to them as I felt they should have protected me better as evidently this scam is not new to them. I would like for my account to be reimbursed. Regulation E states that if a person is induced then money should be reimbursed to customer. 
I do have the case numbers and also phone call coming in from Wells Fargo at XXXX XXXX  XXXX  which were the scammers and my two phone calls going out to Wells Fargo. 
Case # XXXX, Case # XXXX, Case # XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute inaccurate information on my credit report from XXXX and Experian. The reports include a debt from a creditor named " XXXX XXXX '' which I believe is inaccurate for the following reasons : Unverifiable Creditor : I have been unable to contact XXXX XXXX  to verify the debt. There is no contact information listed on my credit report, and my attempts to locate them online have been unsuccessful. 
Suspicious Account Numbers : The account numbers listed for this debt ( redacted in the attached copy ) appear to be nonsensical and do not follow a standard format for account numbers. 
Inconsistent Reporting : The debt is listed as " paid in full '' but also shows a history of late payments dating back to XX/XX/2020. The Fair Credit Reporting Act ( FCRA ) prohibits creditors from reporting late payments on a satisfied debt. 
I have previously disputed this account directly with both XXXX and Experian, but I have not received a response. This inaccurate information has significantly damaged my credit score, making it difficult for me to obtain loans and other forms of credit. 

Attached : Copies of my credit report from XXXX and Experian highlighting the disputed information.
Product: Debt collection

I am not liable for this debt of {$220.00} with HARRIS & HARRIS , LTD Account numberXX/XX/XXXX I do not have a contract with HARRIS & HARRIS , LTD, they did not provide me with a purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me.
Product: Credit card or prepaid card

Paypal holds a payment form a credit card ( visa ) illegally they said for security sake but it is easy cancell the payment or bring back the operation. 

I think thats illegally
Product: Credit card

Concora credit Destiny credit card was shipped and I activated it and began to use it. The card wouldnt add to XXXX XXXX XXXX XXXX XXXX XXXX as a payment method. Customer service hung up on me when I brought the issue up. Another representative told me to try the card in ten minutes. Another rep told me to try again in 24 hours. Another rep told me attempting to purchase on XXXX was high risk. Another rep told me attempting to add the card to XXXX wallet was high risk. Another rep told me the transaction was in XXXX XXXX  and I would be able to use the card again in 3 hours. The card is blocked and declined everywhere I have tried to use it and the company is only issuing the card so that they can receive the high annual fee of {$250.00} whilst declining every transaction and repeatedly putting the card on multiple 24 hour blocks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

XXXX : XXXX XX/XX/XXXX Collection Information Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXXor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Debt collection

A few months ago I began receiving letters and phone calls from Lien Enforcement , Inc. demanding payment of {$4000.00}. At first, I thought it was a simple scam, but after receiving another letter, I called to investigate. I was told that this debt is from XXXX XXXX, a towing company that claims to have towed and held a car I once owned. I informed Lien Enforcement , Inc. that I had sold the car the year before, therefore, I am neither the legal owner of the car or the debt. They asked for proof that I sold the car, but I have no written proof, as I submitted the pink slip form to DMV to remove ownership of the vehicle from my name. The representative from Lien Enforcement , Inc. informed me that they considered the debt mine and that they would use all means necessary to collect. 

On XX/XX/2023 I received a " final notice '' from Lien enforcement. I researched the company and found that they have a high complaint rate with this agency, so it appears that I'm not alone in being falsely accused by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the XXXX data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$2000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX, XXXX, and Experian are such agencies, and I, as the Consumer, have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that each financial institution, including XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX, has a duty to uphold customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only provide a consumer report with the explicit written instructions of the consumer concerned. None of the mentioned financial institutions or reporting agencies have my consent to furnish this information, verbal, non-verbal, written, implied, or otherwise. All previous forms of consent are hereby revoked. 

Under 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt out. However, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have not informed me of this right. 

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information that predates the report by more than seven years. This account is adverse and is being reported without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), no one should furnish inaccurate consumer information to a reporting agency. XXXX, XXXX, and Experian are not maintaining reasonable procedures to avoid violations of consumer reporting laws. Additionally, 12 CFR 1016.7 allows consumers to opt out of reporting services at any timeI am exercising this right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX and XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

This account was resolved in 2022 with the original creditor, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove/delete the following items listed 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, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I did not sign an arbitration agreement with this company. I would.like this to be taken off of my credit report because I did not authorize this company to make any reports to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts several times over the years but they continue to violate FCRA guidelines : - XXXX - XXXX XXXX - Incorrect Utilization Reported