23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX in XX/XX/XXXX through a dealership and obtained the loan through Wells Fargo at an interest rate of 14.99 % for Account # XXXX. The loan was paid in full on XX/XX/XXXX. In XX/XX/XXXX I joined the XXXX XXXX XXXX and served on XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. Furthermore, on XX/XX/XXXX I Palace Chased into the XXXX XXXX XXXX and have been actively service as a traditional Guardsman for the Colorado XXXX XXXX XXXX since then. I have been placed on XXXX XXXX ( title XXXX ) order several times since I joined the XXXX XXXX XXXX, one of which included a XXXX to PACAF from XXXX XXXX - XX/XX/XXXX and subsequent orders from XXXX XXXX and XXXX XXXX. 

Upon returning from my XXXX, I learned about the benefits offered under the XXXX in order to protect service member from high interest rates. Therefore, on XX/XX/XXXX, I contacted Wells Fargo to dispute the high interest rate and hoped to get reimbursed the difference over the APR that the service member is protected for under XXXX due to a pre-service loan. I explained that I am fighting to be reimbursed the difference from XX/XX/XXXX - XX/XX/XXXX ( which is when the loan was closed ). I received a denial letter from Wells Fargo stating the following : - " we are unable to provide benefits at this time due to the following reasons : '' 1 ) Information we received indicates that it has been more than one year after the end of the service member 's period of military service ; therefore, we are unable to provide XXXX benefits. 

Upon receiving this denial letter on XX/XX/XXXX, I contacted Wells Fargo to explain that I am still serving in the military and returned from a XXXX on XX/XX/XXXX ; therefore, it had not been more than one year since my period of military service. I escalated the dispute to The Office of the President at Wells Fargo and on XX/XX/XXXX by calling them directly. On XX/XX/XXXX I received the same denial letter informing me that I had to have made the request for XXXX benefits by XX/XX/XXXX. 

I have tried to seek assistance for this matter since they are denying me under false pretense that I am no longer in the military. I have provided them with proof that I am STILL serving in the military by submitting my XXXX, Title XXXX orders, and detailed explanations of active service, but they are still telling me that I no longer have the right to fight for the XXXX benefits. My dispute was initially made less than XXXX after ending my last set of XXXX XXXX order ; therefore, I do not understand why I am being denied these rights. Especially since I am seeking reimbursement for a time period when I was on XXXX XXXX. Can you please advice me on my rights and explain why or why no I am being denied? 

Thank you for your time and assistance with this matter. 

Respectfully, SSgt XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX and number XXXX Account Type : Revolving account. The XXXX bureaus currently have balances on this account as Transunion {$50.00}, XXXX {$36.00} and XXXX {$14.00} but the balance to this account which is my credit card is {$00.00}
Product: Checking or savings account

According to federal consumer laws, mainly The Credit CARD Act of 2009 banks are required to provide at least 45 days notice of any significant account changes.Without notice USAA restricted my online account access and shortly there after cancelled my account. No notice, explanation or documentation ( which was requested numerous times ) has been provided.
Product: Debt collection

child support paymebts are currently up to date but still reporting negative
Product: Debt collection

On XX/XX/XXXX I received a missed call and a voicemail from phone number XXXX from a " XXXX XXXX '' who stated she was contacting me in regards to a case being filed with XXXX county. She stated that once my case is filed it will become a case of public record and a order of my location has been issued. She stated since she was unable to contact me she will proceed with forwarding my case to the legal department and my legal rights would be forfeited. She also stated that my employer would be contacted and this wasn't to embarrass me but yet to show this was my place of location. She then stated to contact XXXX file number XXXX if I want to contact them in regards to my case before it goes public. When I called XXXX I spoke to two people one named XXXX   who said she was an account manager and that I owed a debt for a pay day loan that was taken out in XX/XX/XXXX and the amount was {$540.00} with Ace cash express. I don't recall taking out a loan such as this, secondly she had my full date of birth name, and full social security number. She told me that I had to pay or else I would be taken to court where after lawyer and court fees I would have to pay {$1400.00}. I told her I didn't feel comfortable giving card information over the phone when I have not received any notice about this debt. I asked if they could send me something to show this is what I truly owe and she told me they don't do that because they are a law firm not a debt collection office and its either pay or get summoned. I called ace cash express and was told I did take out a loan in XX/XX/XXXX and that I owed {$240.00} before it went to collections.ACE CASH EXPRESS told me they could not provide who the debt collection agency was as it was sold to a outside collection agency and I would have to wait for them to contact me. I am unsure I even received this loan as im showing I was denied a loan through ace cash express back in XX/XX/XXXX. I called the law firm back and they said thy were called the office of regional proceedings with an address of XXXX XXXX XXXX CA XXXX, when I XXXX the address it shows me its a debt collector not a law firm. I believe I am getting scammed by a debt collector who is A. trying to get me to pay more than what I really owe for something and B. impersonating a law firm to get me to pay which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My boyfriend who lives with me had a friend who introduced me to XXXX XXXX who owns go smart print located at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. XXXX told me he was a prior accountant and very knowledgeable about PPP loans and would help me fill mine out. I emailed him my social and banking information on XX/XX/XXXX he asked for and he filed the loan and then changed all my passwords and opened lines of credit without my concent, and I am still in the process of fixing it as we speak. He even filed for unemployment and made a pin and added his banking info so that my unemployment claims go to his account. I called chase snd reported all these fraud charges on XX/XX/XXXX on my business chase account as well as personal accounts. I am supposed to call them back this morning and review the charges again and take further action. I was awarded {$28000.00} by funding circle for the PPP loan but he changed the login information and I believe funding company so that he would recieve my PPP loan. I filed a police report on XX/XX/XXXX by the XXXX Police Department for fraud against this person. I can provide Incident number snd all information for the report when someone contacts me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent cc on my credit report and they said it was resolved which is far from the case. I never opened a capital One cc in XXXX of 2018 and its showing delinquent on all 3 credit bureaus. I want the cc closed and something done to investigate who opened this cc and I want them prosecuted. Please help me with looking into this. 

Thank you. 

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

I am writing to formally dispute the continued reporting of a closed account on my credit report. According to IRS regulations and the Fair Credit Reporting Act ( FCRA ), a creditor that issues a Form 1099-C for cancellation of debt is acknowledging that the debt has been XXXX and no longer collectible. 
The account in question is : Creditor Name : Citibank CBNA Account Number : XXXX XXXX Date of Charge-Off : Not available Amount : {$1200.00} Under IRS Code Section 6050P , once a Form 1099-C is issued, the debt is considered canceled, meaning the creditor has forfeited any further collection activity, including reporting the debt negatively on my credit report. Therefore, this account should be immediately removed from my credit file. 
Failure to properly investigate and remove this information from my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I am prepared to take legal action if necessary. If you do not comply, I will seek statutory damages of up to {$1000.00} per violation, in addition to punitive damages, attorney fees, and court costs.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries reported on my consumer credit file, as they are the result of fraud or a data breach. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization.

This letter is submitted personally, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Section 605B ( 15 U.S.C. 1681c-2 ) Requires the blocking of fraudulent or compromised information.

Section 604 ( 15 U.S.C. 1681b ) Governs permissible purposes for accessing consumer reports.

After contacting the reporting companies, I confirmed that these accounts and inquiries were added without proper validation or original proof. As I never authorized them, they are factually inaccurate and must be removed. The unauthorized reporting of my consumer information by creditors or third-party data furnishers is a direct violation of federal law. 
I request an immediate investigation and a written confirmation of the removal of these fraudulent items. Failure to comply may result in legal action to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX XXXX data furnishers are reporting inaccurate, irrelevant & outdated information on my credit report, all values arent correct. My balance from drivers financial is currently XXXX & there are NO LATE PAYMENTS but on my report these companies are furnishing inaccurate information such as late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & that my current balance across all credit bureaus are inaccurate which are ( XXXX Experian ), ( XXXX XXXX ) ( XXXX XXXX ). As stated before my current balance is XXXX with no late payments on my report. The consumer law states any inaccurate information shall be removed & updated within 15-30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX   XXXX/XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 


XXXX, XXXX XXXX, XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report.
Product: Debt collection

I have asked Focus Financial Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution.next step is to take XXXX  to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.
Product: Debt collection

My mother, XXXX XXXX, lived in a XXXX XXXX XXXX before she passed away. I opened a cable TV account for her in my name with XXXX/XXXX. The account was a direct bill to my credit card. When my mother passed away I called XXXX to cancel the service and a few days thereafter, I returned the equipment that belonged to XXXX. The next billing period on my credit card I saw a monthly charge on my credit card for the cable TV service. I called XXXX and have documentation that the charge was removed from my credit card service company. Since then, a company representing to be Eastern Account Systems, has been calling me ( several times ) trying to collect the monthly charge for the cable Tv service that XXXX removed. I've tried to explain to them that there was an error on XXXX  part and the charge was removed but Eastern is trying to get me to pay the charge. The Eastern Account Systems phone number they call from is XXXX. I'm told by the last person that called me from Eastern that the owners of this company are XXXX and XXXX XXXX.
Product: Checking or savings account

On XX/XX/2018 I contacted Chase. I tried to use my XXXX XXXX and it was declined. The reason being is that XXXX said they never received my payment. However, I had paid my bill online through Chase on XX/XX/2018 for {$310.00}. 

I called customer service and they said sorry we dont see the payment what do you want me to do. I said I am now going to be charged a {$38.00} late fee plus the interest of {$310.00}. APR on card is 24.65. 

I processed the payment through Chase bill pay online and now I am being harmed because XXXX  never received my payment.
Product: Vehicle loan or lease

Us auto sales sold me a car that had a recall on it. When it broke down I could not afford to pay it and fix the vehicle so I had no Choice but to let it be repossessed. They got it in XXXX  XXXX. it was supposed to be sold in auction and I be notified of what it sold for and balance. Never received anything! Here it is XXXX and this company is still reporting on my report as if I still have the vehicle. I thought after 120 days a company has to report it as charged off on my report? Its not in charged off status on my report! Why?
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off- XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$19000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Transunion and XXXX  including my FTC ID theft form to Transunion and XXXX  certified. The accounts that are listed they have verified as accurate, per law section 605b any fraudulent accounts or inquiries listed must be removed without a dispute and blocked within 4 days of receiving the notice. Transunion and XXXX has failed to abide by this law and continues to report inaccurate information on my credit report.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

As early as  XXXX   XXXX ,    2016 I disputed the accuracy of the reporting of a Synchrony Bank/Walmart account -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. ( see attached ). I never receive d any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,    2016. ( see attached ) My  understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable
Product: Debt collection

Portfolio Recover is claiming to collect on accounts that have been charged off. There are no charge offs in my name under the claimed origional creditors as they have been paid in full years ago. The only thing that was sent as validation of these said accounts was 2 statements from XXXX of said accounts. That is not validation according to my consumer rights. They do not have any validation nor is any such said origional creditor an any credit report.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

1. The Merchant ( U.S. Auto Sales, Inc. ) presented the MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACT ( Exhibit A ) with false and misleading terms and conditions to obtain a security interest in the motor vehicle, insurance policies and proceeds, and other financing contracts for service or insurance, as the Merchant failed to disclose and/or apply the amount of credit extended to me, the Affiant, from my open-end consumer credit plan. The Merchant made completely false representations of the amount of the alleged debt, and fraudulently collected the incorrect amount.

2. Consequent of the willful and knowing failure of the Merchant to properly compute and disclose the Finance Charge, Merchant made patterned and continuous unauthorized use of fraudulently obtained credit card data ( Exhibit B attached ) ( for charges exceeding the Finance Charge by {$17000.00} ) as evidenced in both MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACTS & Payment Ledgers ( Exhibits A-D ) using the same false and misleading language and practices to obtain money while retaining an inequitable security interest in the motor vehicle. 
3. The Merchant failed to include the insurance premium in the computation of the Finance Charge, requiring the Affiant to purchase insurance coverage out-of-pocket in order to take possession of the secured motor vehicle, further coercing more fraudulent and unauthorized collection and voiding the contract. ( Exhibits A & B ) 4. The Merchant collected a cash amount of {$2000.00} as a fee or charge, incidental to the principle obligation of the Finance Charge without obtaining express authorization. ( Exhibit A, page 2 ) 5. The Merchant regularly threatened to take non-judicial action to effect disablement of the motor vehicle without a present right to possession of the property claimed as collateral, the motor vehicle, as the motor vehicle was equipped with a disablement device ( starter interrupter ) that was programmed to disable the motor vehicle even after the Finance Charge was fully paid.

6. The Merchant did not apply any credits for the Amount Financed, to my payment schedule. ( Exhibit B ) 7. Affiant became aware of these Federal violations on 08/16/2021 during correspondence with the Merchant to request purchase records ( Exhibit E ), and corresponded for resolution on 08/18/2021 ( Exhibit F ).

An Affidavit is being sent by Notary Presentment to the Registered Agent, and Certified Mail copies of the notarized documents are being copied to XXXX XXXX, the CFO of the Merchant company, as well as electronic communication to the Federal Trade Commission.