23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

My name XXXX XXXX during pandimic i worked started my small bussiness at covid i appled for XXXX small bussiness loan i was approved for XXXX XXXXXXXX of XXXX a XXXX  loan of XXXX and loan for XXXX as soon as it hit chase bank was frozen and account closed said loan got not bussiness account which XXXX  can be personal account recive the funds i have proof all my bussiness i got tax paper ive turned in proof the bank refuses return loan from gov and now told pay money back refuse give i showed everything bank still refuse to send money back to XXXX  or have access its over XXXX took hold and im told time pay loans back if dont pay im told go prison be charged also im XXXX on ssdi through social security payment went in stole that with the loans i never got XXXX loans now XXXX XXXX me to pay loan back that chase bank refusrs give back they XXXX  all money i need help im being threaten from gov i dont pay prosacute me for loan chase bank refuses to give back send back to XXXX  holding it for years XXXX stressed out over the amount loan i got approved sba and XXXX ssdi payment refuse give back its illegal take ssi payment so closed account refuse give anything back if dont pay what chase bank taken refuse rreleade funds XXXX told go prison sba see account got money soon hit was froze the told suspended i did nothing illegal or wrong i looked up online get help bank stealing loans if need to send u all proof of loan bussiness to XXXX XXXX stressed out money stole is my responsibilty loan but i never got any of money so bottom my XXXX can u investagate my case please i beg u its loan through gov and told go prison if dont pay what they stole i please please beg u help me im so lost what to do i want report chase bank robbed everyone XXXX XXXX  and XXXX loans and on XXXX XXXX stole a XXXX  payment i lost everything when stole froze funds they got all bussiness info ever time try say need more i can send u all proof bussiness my rax papers please beg u hel me im breaking down amount my life XXXX  with jail if dont pay loans to gov back please hel me what can do so XXXX  over the robbery chase bank did
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to XXXX10 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$880.00}, XXXX XXXX M XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Product: Vehicle loan or lease

I am trying to understand the interest rate associated with my car loan. I purchased the car in XXXX, it's a " fee simple '' loan. The interest rate is something like 19 % - 21 % I can't remember off the top of my head. The purchase price was XXXX. I still owe over 15,000 on the car and it's been 6 years. I live in Oklahoma and purchased the car here. The car lot shortly went out of business after I bought it but they financed it with a company in California called CPS " Consumer Portfolio Services ''. This company was involved in a lawsuit in the past due to their loan and collection practices. 

I have done 3 extension agreements : - XX/XX/XXXX - XX/XX/XXXX ( included this one so you can see the verbiage ) - XX/XX/XXXX Also, I had gotten a couple payments behind with each extension. The documents state that the late charges for the payments included in the extension are supposed to be removed but they are still on the account. 

I included XX/XX/XXXX 's extension agreement as an attachment as I had the electronic copy saved to my PC.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XX/XX/2020 And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

I have been Paying Capital One the # {$3500.00} I owed. To date I have paid {$3400.00} But has tow situations happen : ( 1 ) my XXXX daughter hospitalized ; and ( 2 ) I was hospitalized for XXXX. I am a XXXX and these XXXX  ( 2 ) were quite serious.

I wound up having to have XXXX  to correct this problem.

In addition, I was denied XXXX XXXX to pay off the debt because of an impending strike with my employer. I received a letter of garnishment from my employer on or about XX/XX/2018, ( a month before my indebtedness ended ), XXXX XXXX University 's Payroll office. The attorney 's who filed XXXX XXXX XXXX XXXX XXXX for Capital One. Attached to this letter from the attorney 's for Capital One was a form for me to complete to ask for a court hearing, to dispute the situation. I filed with XXXX Municipal Court Civil Complaint to dispute the claim and received a court date of XX/XX/2018, since I had just given a payment. I showed up, but they did not. The magistrate ( judge ) told me that I should keep up with the case, since there was nothing she could do. I did. I went to XXXX XXXX XXXX, who I was making my payments through to call the attorney 's as suggested by the judge.

My credit counselor and I waited on a telephone line for almost an hour for someone to pick up and discuss this with us. We never heard from them. I only had an hour appointment. The credit counselor said she would call me if she got a call back. She did not get a call back, so she did not call me.

At XXXX XXXX on XX/XX/2018, in the mail, I received a letter and affidavit saying that they had filed to the court in writing. I called the XXXX   Municipal Court and was told, I could re-file an dispute claim, once took a payment was taken from my check. However, there was nothing the court could do until this happened.

Then, I called the payroll office to see how much money would be taken. I found out it would be 25 % or {$1400.00} from check, which will leave me without enough to pay bills. I am paid once a month. I am concerned, because the numbers of indebtedness is adding up along with court costs.

XXXX State University payroll office says I them {$1600.00}, XXXX XXXX has chronicled payments of {$3400.00}, and Capital One had added another {$1300.00}, plus court costs. I should only owe may {$200.00} or whatever is equal to {$3500.00} not an additional {$1600.00}, and court costs.

I received countless letter for XXXX XXXX XXXX  even when I made timely payments, despite problems I had in the summer of XX/XX/2018-explained above.

I asking that the garnishment be dropped beforeXX/XX/2018 before XXXX XXXX  and I be allowed to pay the balance through XXXX XXXX XXXX I will make the payment on XX/XX/2018. We all have life a crises, but I have tried to make this up and XXXX XXXX XXXX have paid additional money with credits I have had with them to keep me up to date.
Product: Debt collection

This request is made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 12 CFR 1006.34 ( c ), which requires debt collectors to provide information about the purchase or assignment of a debt. If they can not validate the debt you can not collect on the debt and it is inaccurate reporting on my consumer report and this agency will be in violation with the FDCPA. 
THE LAW CLEARLY STATES A DEBT COLLECTION AGENCY CAN NOT REPORT UNVALIDATED INFORMATION AND A DEBT COLLECTOR MUST CEASE ALL DEBT COLLECTION ACTIVITIES INCLUDING REPORTING THE ITEM TO A CONSUMER REPORTING AGENCY WHICH IS A FORM OF COLLECTION UNTIL THE DEBT CAN BE VALIDATED
Product: Credit reporting or other personal consumer reports

Had my identity stolen and bank account drained of over XXXX back in XXXX. Ive yet to recover my money and have hired a lawyer. Negative accounts and inquiries arent mine need immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  Account Number- XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

After receiving a promotional offer in mail, I opened a Citi priority account package in early XX/XX/XXXX at a local Citi Branch ( XXXX XXXX XXXX, XXXX, MD ). The offer stated I should be receiving XXXX XXXX   miles after spending XXXX dollars and 1 qualifying bill payments for 2 consecutive calendar months. ( see attached ) I completed both activities by the middle of XX/XX/XXXX, and in the beginning of XX/XX/XXXX I first inquired about the status of the sign up bonus in an online chat session. The online agent claimed they could not find any bonus attached to my account, even after I provided the bonus code. I then emailed the banker who I opened the account with, and later received a call from him and was instructed to call the number at the back of the card to verify the details. On XX/XX/XXXX, I spent around 30 minutes calling Citi number XXXX, and after putting on hold for a couple of times, the agent informed me they could not find the exact offer I signed up for, and insisted the offer would have to have me transferring XXXX dollars within 30 days. Even after telling her there was no such language in the terms I have, the agent would not honor the offer that I have and stated she would transfer me to someone else. But instead of getting to a person to address the issue, my call was simply disconnected, and I have not heard back from Citi since.
Product: Checking or savings account

We inherited the checking account and were told at the time that maintaining a {$1500.00} balance would allow us to avoid the bank 's {$25.00} a month annual service fee on the checking account. This year we come to find for this calendar year we have been charged for each month, though the account balance has been above {$1500.00} each month. To this US Bank replied that as a Premier account, with a combined balance of less than XXXX, the fee is in effect. So, we had them change the account to the one with the {$1500.00} balance threshold. Point : it would have been nice to have been informed that our bank was about to begin charging us {$25.00} a month for an account we have never had to pay a fee on due to maintaining a checking balance of {$1500.00} or more. In effect, I feel as though US Bank has stolen my assets for at least the last 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting incorrectly a collection in the amount of {$330.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of the bill I received. ) This account does not belong to me and was billed in error. Unfortunately, my daughter had an accident and needed to make a visit to the emergency room. I had accompanied her and assisted her in filling out her paperwork. The billing department must not have switched her insurance information over at the time of this billing and consequently this bill was sent to me and actually should have been sent to my daughter. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXXXXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN

claims on my credit file. Furthermore EXPERIAN ha
s claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

XXXX recalled this collection notice due to incorrect information. amount was paid so they recalled it from the collection agency. I called the agency collection they said it can take about 2-3 months remove off my report since I don't have anything showed or owed to them. They stated they will be sending a letter to me showing I have a XXXX balance due to agency since XXXX did the mistake and recalled it from agency. Please help me remove it from report. 

USCB AMERICA XXXX XXXX $