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

On XX/XX/XXXX, my car was illegally repossessed by XXXX XXXX XXXX at the request of XXXX. XXXX stated they were commissioned to repossess the car by my lender, Southeast Toyota finance. After multiple calls, I was informed by my lender that no such request had been made. Three weeks later, my car was sold at an auto aunt and shipped to XXXX XXXX of XXXXXXXX XXXX and ultimately sold to someone in XXXX state. Toyota never went to the tow yard to retrieve my car, nor were they able to prevent it from being auctioned off. All while I still have an active loan, Toyota connect services, and auto insurance on the car. I spoke with a fraud specialist and her manager for weeks to get my car back and resolve this and they did nothing. As of today, they agreed to pay my concessions to reimburse me for expenses related to my car being stolen which is already over XXXX XXXX and offered me XXXX XXXX to go away, but I paid more than that on the loan itself ; not including the four years of maintenance & insurance. In addition to the trauma of having my childrens XXXX repossessed and unable to be returned for three days. When I got my personal items from the tow yard, I was missing the cash from my car as well.
Product: Credit card or prepaid card

I paid off total balance due on my credit card before the due date. Bank of America charged additional interest fees in the next billing statement. I attempted to speak directly with Bank of America but was faced with an hour and 5 minute hold time to speak with a customer service representative.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$2800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$710.00} These credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX* Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

They refused to take the payment I offered them, they are trying to take me to court for " not paying '' so I was just going to start paying on my loan, but I 've heard horror stories and I was scared to give them MY bank info because I ca n't afford for them to take whatever they want so I asked my roommate to use his card and I would give him cash to try and stop them for taking extra money ... and it says I have to be the account holder ... why are they allowed to refuse money? My mom and others said they do this on purpose and they are going to take me to court ( by sending mail to an address I do n't live at about going to court ) and have the judge grant them the right to take money from my paychecks. I live paycheck to paycheck and I offered to pay my extra money to them. they said no it has to be more, and by more they said XXXX. Im trying to work up in a company and I started at the bottom. I plan to pay it back, but right now I 'm not making an extra XXXX dollars a month
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The United Consumer account is not mine, my ex husband and his mistress forged this account in XXXX when i found out about the account I contacted the police and United Consumer Financial services and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to XXXX to request the contract because they will not provide to me. XXXX went and updated a closed account as delinquent when it was paid off in XX/XX/2019 and dropped my credit score XXXX points.. This is wrong and how are they reporting an account delinquent when its been paid off and closed since XXXX.
Product: Credit card

I believe the account is invalid. WESTLAKE PM needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. WESTLAKE PM XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redrese for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XXXX Account : XXXX XXXX balance : {$0.00}. 
Staus : Paid in full. 
Reason : This item is not mine. 
I asked Experian to my requested to dispute this item which it's paid in full. Experian won't dispute or remove or delete this item. As my know my right if the collection is paid in full, it must be delete by the law. 

Im asking for delete this item because it not mine either its paid in full.
Product: Credit reporting or other personal consumer reports

I've been trying many years trying to remove these inquiries and they never do they part of removing these illegal inquiry credit.. XXXX XXXX XXXX account number XXXX XXXX XXXX count number XXXX department of Ed XXXX account number XXXX XXXX the same company but different account number XXXX XXXX XXXX XXXX XXXX account XXXX addresses don't belong to me 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN, XXXX Subject : Cease and Desist Demand and Formal Dispute of Information Dear XXXX XXXX XXXX, I am writing to formally dispute certain information on my credit report that I believe is inaccurate, unverifiable, or reported without my consent. Furthermore, this letter serves as a Cease and Desist Demand requiring you to stop reporting, sharing, or disseminating this disputed information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information on my credit report and to ensure that all information being reported is accurate, fair, and verifiable. The following items are in dispute : Diversified Adjustments collection amount {$960.00} I also assert that I did not provide written authorization for the furnishing or dissemination of my credit information in relation to [ specific account or inquiry ]. Such activity violates 15 U.S.C. 1681b, which governs permissible purposes for obtaining and sharing consumer reports. 

Cease and Desist Demand : Effective immediately, you are to cease and desist any further reporting, sharing, or dissemination of this disputed information to third parties, including creditors, lenders, or any other entities. Continuing to report inaccurate or unauthorized information may result in further legal action, including complaints to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ).

To resolve this matter, I request the following actions : Conduct a full investigation into the disputed information and provide me with written verification of its accuracy and permissibility.

If the information can not be verified, remove it from my credit report immediately.

Cease all reporting and dissemination of the disputed information while the investigation is ongoing and after resolution.

Provide me with a corrected and updated copy of my credit report.

Enclosed are copies of documents that support my dispute and verify my identity. Please acknowledge receipt of this letter in writing and complete your investigation within the time limits prescribed by law Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act and other applicable laws. 

Thank you for your immediate attention to this matter. Please contact me directly at [ your phone number ] or [ your email address ] if further clarification is needed. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted lexington law in the hopes that they could assist me in credit repair. They reassured me they could and would do what they could to make things better, stating it would take up to 6 months before I saw results. However, they decided to dispute many things on my credit report without my knowledge, even going so far as to creating letters and signing my name without my permission. They did this with the XXXX XXXX XXXX where the lovely ( I use this with high sarcasm ) XXXX XXXX has been a nightmare to work with. I have contacted her twice asking the dispute be removed and she refuses to do so unless I pay her upfront. Is n't that illegal? Other collection agencies happily obliged to my request after hearing what Lexington Law had done, however, XXXX has not. Please help me.
Product: Student loan

My ex XXXX in XX/XX/XXXX and had an out standing balance on his student loan. The Jude ordered that I was not responsible for his college debt when we divorced in XX/XX/XXXX. In XX/XX/XXXX I started receiving notices that I was delinquent on MY student loan. I called Navient and sent letters explaining that this was not my student loan, that it was my husbands who had XXXX. I also mentioned that the judge had ordered that I would not be responsible for his debt. Navient told me it was infact my loan, for my XXXX XXXX  education. I was never enrolled in college let alone XX/XX/XXXX!!!
I need help with getting this dismissed for breavement.
Product: Debt collection

CONDESCENDING!!! UNPROFESSIONAL!!! 

Today is XX/XX/2021, and I just got off the phone with a " manager '' at this horrendous organization, and I have NEVER been so insulted in my life. As a former client relations manager, I can not imagine EVER speaking to an individual the way I was spoken to today, and by a manager no less!

I was called by a female for the second time from this company, following up on a debt. That debt was previously with another company, which I was making payments towards monthly ( the money was being debited directly from my bank account ). When that debt was transferred to *this* company, two of the payments that I'd made to the initial company were returned to me via check.

As I was explaining the situation to the female ( and respectfully, as I understood that she is just doing her job ), she put me on hold and suddenly a man came on the phone, identifying himself as Mr. XXXX ( spelling?? ), the manager. 

From the start, he was extremely condescending, insinuating that I was purposely not paying my debt. He threatened to contact the original debtor, telling them that the client ( me ) is " refusing to pay '' ( which I was NOT ). He then listed a series of payments that I'm making towards other things ( car loan, personal loan, etc. ) and basically said if I had money for them, I should have no problem handling *this* debt. HOW DARE HE?! I was furious that he would presume to know my financial situation.

I tried to explain to him that I never said I wasn't going to pay and that my personal loan was for a medical expense ( not that it's his business ), but he laughed at me & continued to talk over me. He suggested that I haven't made any payments on this debt nor attempted to, which I tried to tell him was NOT TRUE. I told him he was being condescending and that I didn't appreciate the way I w
as being spoken to, but that didn't stop him from continuing to harass me. Eventually, he hung up on me.

I have a chronic illness which results in many medical expenses, all of which I PAY. My personal loan was for one such medical expense. 

I'm thoroughly disgusted that someone would think it's OK to speak to people this way. I've read negative reviews on XXXX from folks who have had a similar experience to mine with this organization. The company 's responses to those reviews should tell you all you need to know about what kind of a company this truly is.

I hope that someone takes charge of holding this company accountable for their abhorrent actions. To treat another human this way is UNACCEPTABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/2020, I attempted to put a Freeze on my Experian Credit Report through the Experian Website : https : //usa.experian.com/login/index I have an active account with Experian and I have confirmed my 10 digit PIN number through their Website. When I enter all my data, i.e., Name, DOB, SSN, current and previous address, and the 10 digit PIN, in order to place the freeze, the Website informs me that my identity can not be confirmed and I must submit a written letter to Experian with all this information, plus a copy of a govt issued photo ID. 

I attempted to contact Experian by phone at their Consumer Help number : XXXX, and after entering my SSN and DOB, I am offered only two options, neither of which is my issue and both of these are simply recorded messages about products and directions to go to the company 's Website. 

I went through this same process again today, Thursday, XX/XX/2020, including the Website and trying to reach someone by phone, without success. The automated phone system hangs up on callers without allowing them to speak to a representative. 

Experian appears to be forcing people to purchase an upgrade to their accounts in order to lock their credit report, since the free credit freeze process is not working. I have excellent credit and I own a home. I am very concerned that someone could use my credit to make purchases. This company is terrible and impairs the ability of consumers to protect their identities and prevent fraud.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding fraudulent items on my credit report. This marks my second attempt to resolve this matter, and I am seeking for your assistance due to continued inaccuracies and discrepancies. Despite my initial attempts to rectify this issue, the fraudulent items persist on my report, impacting my creditworthiness and causing undue financial stress. Given the continued presence of these fraudulent items and the lack of resolution, I am requesting for your intervention to investigate and facilitate the removal of these inaccuracies from my credit report. These items not only misrepresent my financial history but also have a significant adverse impact on my ability to access credit on fair terms. I am available at your earliest convenience to provide any additional information or documentation necessary to support this complaint. Your prompt attention to this matter would be greatly appreciated. Kindly help me remove the following items immediately : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1700.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} NAT XXXXXXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3800.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INQUIRIES DELETE IMMEDIATELY 1. XXXX XX/XX/XXXX XXXX XXXX WA , XXXX   2. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA , XXXX  3. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PA , XXXX  4. SYNCB  XX/XX/XXXX Syncb XXXX FL , XXXX  5.XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX  6.XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PA, XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where midland credit management has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as midland credit managements actions violate federal laws and my rights as a consumer. Midland credit management has also violated the FDCPA my misrepresentation of this debt and harassment. This collection agency keeps mailing me invoices that are disguised as checks or high quality envelopes that look like high quality holiday greeting cards. I have asked them to stop their communications with me until they can send me a copy of their dispute process and how they validated this debt. Ive also asked them to send me a copy of a direct consumer agreement, bearing my wet signature, in which I agreed on receiving services from midland credit management.
Product: Credit reporting

I am a victim of identity theft and someone stole and used my personal information to open unauthorized and fraudulent accounts using my personal information. I have been receiving harassing and threatening telephone calls and death threats in regards to the unauthorized and fraudulent accounts. The following accounts are unauthorized and fraudulent : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The following inquiries are unauthorized and fraudulent inquiries : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Debt collection

Debt is being reported as charged off for 3 Comennity accounts in my name that the credit has failed to provide verification of debt for and has now begun hanging up when I request this via the phone since my letters are being ignored.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

Convergent Outsourcing sent me email that my account with XXXX. I settled the debt with Convergent Outsourcing. Then XXXX kept sending me emails saying that I owed a balance still. The email from XXXX also said that I would be sent to collections. I thought that was kind of strange. I called XXXX and was told they never sent my information to collections. I paid XXXX to Convergent Outsourcing thinking I settled the bill. This was paid on XX/XX/XXXX. I also want to submit a complaint against XXXX for my information not being kept secure.