23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a loan with XXXX XXXX where the loan terms were predatory. 

I did business with a car dealer in XX/XX/XXXX in XXXX NY that was shady to say the least. I purchased a {$15000.00} vehicle and gave {$5000.00} as down payment in XX/XX/XXXX. I had to start a new job the following day and rushed through a process that I would normally take my time on. In XX/XX/XXXX without missing a payment of {$450.00} a month for 5 years my loan was still {$14000.00}. Five years of not missing a payment and the loan went down {$500.00}? The dealer kept my deposit and did not put it towards the price of the car. 

I called XXXX XXXX to negotiate a new loan and they declined to help, saying that they would give me a lower payment but only for 6 months. I refused. After 5 years of paying {$450.00} a month I had already paid {$27000.00} on a car worth less than {$15000.00} and Santander was not willing to negotiate a fair loan. I then asked for a Voluntary surrender of the vehicle and they came and retrieved the car. Later I received a letter from Santander saying they auctioned the car for a few thousand dollars and I was responsible for the rest. I believe Santander sold the vehicle for about {$8000.00}. Therefore Santander collected {$27000.00} worth of payments from me plus {$8000.00} from an auction. Thats {$35000.00} on a car worth less than {$15000.00}. Then sold the debt to a debt collector named XXXX XXXX XXXX on top of the {$35000.00}. 

Then I get a call from XXXX XXXX XXXX. I tell them the story and tell them that I don't intend to pay another dime. This was in XX/XX/XXXX. 

Now in XX/XX/XXXX I need to buy a home for my family of XXXX and XXXX shows a collection on my credit report. I call XXXX and tell them clearly that I want to pay this loan off to have the collection deleted from my credit report. I was very clear when I said I will only consider paying more money towards this car if the collection is removed from my credit report. Over the phone the person understood and knew exactly what I needed. I payed {$2000.00} more to settle the debt. 

I made the payment on XX/XX/XXXX and on XX/XX/XXXX the collection is still showing on my credit report. It does show a XXXX balance but my request before agreeing to pay was to have the collection deleted from my credit report. 

It is obvious that I paid Santander and XXXX enough money as to not be punished with this collection on my credit report. XXXX used deception to collect this money which continues the same trend from the Santander loan of negatively affecting my financial status since I will be paying a higher mortgage because XXXX did not do what they told me they would.
Product: Credit reporting or other personal consumer reports

LexisNexis violated my consumer rights by noncompliance with the Fair Credit Reporting Act.
Product: Debt collection

Business refuses or unable to provide the necessary documents per FDCPA to continue reporting negatively to my consumer credit profile. Requesting full validation.

1. My full and complete personal information including SSN, DOB, etc to help identify me as the person you are trying to collect from 2. Agreement that bears the signature of the alleged debtor wherein he agrees to paid the original debtor. 

3. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money money that you claim I owe.

4. Proof of identification ( i.e., drivers license, state identification card, or other government issued identification ) that was presented to you at the time of incurring this alleged debt. 

5. Letter of sale or agreement from the original creditor to your company ( Agreement with your client that grants you the authority to collect on this debt ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to creditor, and documents conferring authority to collect on the debt. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt.
Product: Money transfer, virtual currency, or money service

If you look at my last case # XXXX, you will get details of this ( same, ongoing case ). After I filed that claim with you, Google finally accepted my ID proof, and I was able to start making payments, including trying to pay them back for the hacking money that I do not actually owe them. I decided to pay because just wanted to get past this. 

Then this morning -- on XXXX XXXX, I got another alert that said My ID has been rejected AGAIN ... .they are asking for the same OLD banking info ( that's how I know it is related to the original hacking issue -- that bank account is closed after the hacking of my account, otherwise they would use one of my current accounts on file for verification ) ... .and yet I uploaded it again this morning, hoping it was just a mini issue ( maybe ) -- but NO -- they immediately rejected AGAIN!! This is ridiculous. 

Of course, today, on XXXX XXXX, I tried to contact google about it, and the XXXX started all over again. No one can help, they say let me transfer you, the next person says I can not help, they next says can you start over from the very beginning again. 

This has been going on since XX/XX/XXXX! That is 3 months! It is unfair to me as the consumer, to have to contact Google 50+ times ( I have all of the proof of each contact ), and have to go around in circles, as if I do not matter, especially when I am doing all I possibly can to comply. And all of this is because my account was hacked. I am the consumer and there are supposed to be protections for me. I am shocked at how unorganized Google support is, they make me start over every time I reach out. They say I will be " escalate '', but all I get is a copy and paste reply that they can not help and " please try these ( same ) steps over again ''. What is a little person like me supposed to do against the HUGE google?

What am I supposed to do? I feel I have no support. I pay for an extra help plan with Google ( Google 1 ) and it has been no benefit in this case at all.

HELP PLEASE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My phone was compromised by XXXX XXXX XXXX around XXXX of XXXX. He got into my email, my bank accounts ( USAA, XXXX XXXX ) including payment platforms and my cell service accounts. He used my phone and number and other identification to order 5 phones on my XXXX XXXX. He used my XXXX XXXX  and USAA credit card accounts for various activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be corrected on my credit report : XXXX XXXX XXXX XXXX Balance : {$27000.00}. I have included a copy of the dispute letter I preciously sent for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Dispute of Unauthorized Credit Inquiry Violation of FCRA 1681b, 1681n, and 1681o I am writing to formally dispute an unauthorized credit inquiry that was made XXXX XXXX  XXXX on XX/XX/year>. I did not provide any authorization or consent for THEM to access my credit report, and therefore, your actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which governs permissible purposes for accessing consumer reports.

In addition, under 15 U.S. Code 1681n and 1681o, you are liable for willfully or negligently violating the FCRA by obtaining my credit report without my authorization. As such, I demand that you : XXXX. Immediately remove the unauthorized inquiry from my credit report. 
XXXX. Provide me with written confirmation of the removal. 
XXXX. Refrain from accessing my credit report in the future without my explicit written consent. 
XXXX. Provide an explanation of how this unauthorized inquiry occurred and the actions you are taking to ensure this does not happen again. 

Please consider this letter a formal dispute under the FCRA, and I expect your prompt response within 30 days, as required by law. Failure to resolve this matter could result in further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a current customer who has been in forbearance for some time now. Though I stand to soon start paying off a substantial student loan amount, I haven't been in a position to pay off my loan quite yet. I have signed up for an IBR and do intend on being considered for the Public Servant loan forgiveness program -still waiting to hear back about it- but I, at the moment, am not in a position to begin repayment. As the IBR has already been calculated, I've already been able to calculate what my payments will look like when I am ready to start making payments ( hopefully as soon as later next month ). 

Yet, I have to live my life and strive for the things I need, namely, buying a house. And as is customary for buying a house, I am doing my best to fix my credit, which has not been ideal. Despite the amount of debts I've been working on paying off, I've been doing a really good job and making a super concerted effort increasing my score over time. But there is an enormous obstacle in my way, and that is your incorrect reporting. As far as I can gather, from my heavy research, conversations with XXXX XXXX, XXXX, Equifax personnel, and from your personnel and website, my increases in interest while in forbearance should not be affecting my credit score. 

Yet in XX/XX/XXXX, my credit score increased by 64 points and yesterday, XX/XX/XXXX, it increased by 47 points. Prior to XX/XX/XXXX, I had close to 600 in my credit score, but then an increase in my XXXX loans ( though I was in forbearance ) for about XXXX dollars or so, brought me down to XXXX. 

After I was discouraged from applying to a home because of this, I submitted a letter to XXXX and my credit bureaus about this mistake, which I thought had been rectified, and then went to work at improving my score. Recently, my score was a XXXX, just 4 shy from the minimum most conventional lenders would consider. I was just about to apply for pre-approval when I wake up this morning to this terrible news. Now I'm at XXXX! I can't apply for the house again and all because you are reporting to the credit bureaus about my interest increase. I have not received any notification that credit reporting standards have changed and it is directly affecting my family, despite my writing a latter to XXXX and not being in default at all. Never have been. 

All you know is that no matter what you do, something random and completely out of control just plunges your credit score when you're not expecting it and rather unjustly. And then it's the weekend, so you can't get this resolved until Monday, and even then, you'll have to wait a while until the issue is fixed ( if it can be fixed ) and just hope that when the next cycle goes through, it doesn't happen again. It is so discouraging and XXXX does nothing to fix this. 

I'm attaching snapshots of this error and am sharing this with all of the relevant organizations. I'll also be writing a news article about this. Please fix this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and noticed these inquires were on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also this collection XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX Date : XXXX XXXX Amount : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my credit score was lowered XXXX points for no reason. There is nothing listed as to why my score was lowered including no negative information and no reason why my score was lowered.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXSELFLNDR XXXX. 

I looked at my XXXX, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 Protection Act ( CFPA ). Specially with Cash App due to them failing 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Experian, on XX/XX/XXXX my credit score with them dropped XXXX points which also changed my credit rating. I have sent them several text messages asking why and also phoned them always getting the same generic reply, to ask a XXXX XXXX. I had no late or missed payments, no hard inquiries, and nothing else changed on my credit report, not seeing any reason why my score should have dropped. My problem is that Experian can or will not give me a reason why. Are these companies allowed to do whatever when they have such an effect on peoples lives?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX  leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender XXXX XXXX to do a one time curtesy late payment removal. I have explained that I am a XXXX  mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.
Product: Money transfer, virtual currency, or money service

XXXX sent funds to Bank of America 's routing number XXXX ( Receiver XXXX ) on  XX/XX/2018. Attached is the transaction information for the transfer of {$15000.00} on XX/XX/18. The trace number for the transfer is XXXX. 

My account at bank of america is closed but XXXX did not receive a rejection of funds. Pls check your suspense account to locate the funds