23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), another personal credit card opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My attempts to resolve this issue with Bank of America just results in me calling them to fix the problem over and over, this is ongoing. My payment is due on the first and they receive it on the first and in addition to my required payment I send additional money to go to principal. Bank of America advances to the next one or two payments instead of putting it toward principal. The result is I lose by paying them interest in advance and do not get benefit of paying down the principal, therefore I pay more interest. After calling a few weeks ago they said perhaps if you pay before the cutoff date it will all go to principal, so I did and they posted it to XXXX ( because XXXX was paid ) which is not even due. I have an electronic payment scheduled for XXXX with additional funds already scheduled so this will happen again. In addition when I call and after being on hold for twenty minutes I advise them to please back date these payments when corrected and they dont do that either. The representatives that I speak to try to be helpful, patient, polite and professional but as yet havent found a solution. This is waste of everyone 's time and my money. Please help me resolve this so I can pay it off quickly. My entire payment history should be reviewed and recalculated because the history shows this has been occurring for a several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof
Product: Credit card

Hello on XXXX XXXX 2016 we purchased XXXX round trip tickets from a travel agent called XXXX for travel date of XXXX XXXX from XXXX to XXXX and then to XXXX and to return on the XXXX of XXXX XXXX and then XXXX when we reached the airport for our return flight they would not let us on the flight saying we were never supposed to be sold these tickets we waited for the time difference and called the agent he said he will take care of it he later said he booked us on XXXX no mention of any charges and why would there be any? its his mistake when i got back on sat we found out he had called our daughter that night and told here that those tickets where around {$2400.00} which we never authorized he asked me for the credit card number i used to buy the original tickets so i did a dispute with wells fargo they took the info and i called monday to confirm they said that they couldnt talk to me till the primary on the card gave them authorization to talk to me which he did then they gave me 3 diffrent stories the final one is that the can only dispute the portion of the sale that i didnt use i tried to explain to them that i bought XXXX round trip tickets for XXXX not XXXX - XXXX the difference i did not authorize the XXXX and just thought he put us with another air line i agreed with and purchased XXXX round trip tickets for XXXX wells fargo should protect their clients from theft fraud or crocked merchents which in this case they are protecting the con artist
Product: Debt collection

XXXX has been asked by myself and an attorney friend to furnish a complete list of charges and how they came to that amount from an apartment I left in 2011. They claim I owe {$2300.00} or so but in the years and years I 've been contacting them they refuse to furnish a complete list of charges. They can not explain how they came to the amount they did.
Product: Checking or savings account

I received a statement from TD Bank for an account I did not open.
Product: Vehicle loan or lease

On XXXX XXXX XXXX XXXX  I went to the dealership XXXX XXXX XXXX XXXX ( my mother accompanied me ) with the intent of looking at vehicles and possibly leaving with one seeing as how I had my learners license and was looking forward to gaining experience with driving and owning my own vehicle. I spent a while there looking at different vehicles and eventually found a XXXX XXXX XXXX that I was very pleased with. That day I signed all necessary paperwork, placed a {$2000.00} down payment on that car and issued insurance for it as well. I continued to make monthly payments of {$280.00} for the vehicle and insurance payments of {$290.00}. I made the payments up until the month of XXXX in the same year. This was the very same year the XXXX broke out in which I was heavily impacted. I actually lost employment due to the company I was working with letting me go since they reduced hours ( I was rather new and only had been working there for a few months which resulted in me getting fired ). Any payments I was able to make on the vehicle and its insurance were partial ( {$280.00} on the car and {$150.00} on the insurance ). XXXX was incredibly difficult for myself and my family especially since I could not get a job for a period of time due to quarantine instated. Because of this, and my priority to pay other bills such as rent and utilities, I got behind on my car payments. I did get the vehicle repossessed in the months that followed and continued to struggle during the XXXX years. 
During XXXX XXXX XXXX  I made an appointment to the XXXX in order to complete my drivers exam to finally get my drivers license. To my surprise I was notified by an associate that my permit was suspended due to the XXXX XXXX XXXX account still showing on my credit. This was beyond upsetting to hear since I was told to provide the notice of my vehicles repossession ( which I didn't ever receive-either phone, mail or email ) or pay the fee of {$150.00} to move on through. Since then I have tried to contact the company in order to retrieve this document and have had enormous difficulty in obtaining it. After dozens of calls made over a span of days ( I kept getting transferred to departments that could not help me or collections ) I was able to get in contact with an individual from Southeast Toyota Finance who set up the repossession document to be faxed over to me. I gave my fax number and was told that it was come in 24 to 48 hours. I waited of the document to come through and it never did ( which was frustrating since I had to contact the same company Southeast Toyota Finance ( SeTF ) again and ended up making dozens of more calls to the same place ). 
Because of this I still can not complete my drivers exam and still have the vehicle on my credit which was, in fact, repossessed and not in my possession at all. The car was stolen from me and was not repossessed pursuant to law. This company has defamed my character by allowing furnishing of this repossession on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, opt-out notices were sent to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My most recent credit report shows reporting from all of the above listed companies, which is a violation of my rights as a consumer and evidence that the companies have willfully not complied with my requests. Per 16 CFR 313.7 ( e ), I am aware the companies must comply with a consumer 's opt out direction as soon as reasonably practicable after they receive it. There has been ample time to correct this issue. Attached you will find copies of the opt-out notices sent, as well as copies of each company 's disclosure document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted all 3 credit bureaus ( XX/XX/XXXX, XXXX, Equifax ) roughly 3 weeks ago in writing. I have not received a response. My identity has been compromised. Compromised so much that I cant even get reports online from certain sites like XX/XX/XXXX. Im being asked security questions that has nothing to do with me or my credit, so when I select the answer thats best, its considered wrong. This is not right. I cant get anything done, and the last thing I need is for my situation to be minimized. To my knowledge you guys can help me with my situation. I need your assistance with getting a response to my situation. 

My wish for resolution would be these items being removed from my credit reports that does NOT belong to me, Im also requesting fresh credit report with corrections for my records. Thanks. 

THE FOLLOWING ACCOUNTS SHOULD BE REMOVED : 1. XXXX XXXX XX/XX/XXXX Balance {$2500.00} 2. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$430.00} 3. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} 4. XXXX XXXX  Opened XX/XX/XXXX Balance {$880.00} 5. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Balance {$420.00}
Product: Credit reporting or other personal consumer reports

Equifax has been provided with proof of purchase and payment for a vehicle financed through XXXX XXXX XXXX XXXX XXXX ( ACA ), which is currently the subject of litigation for fraudulent reporting of non-payment. 

ACA, along with XXXX XXXX, was presented with a negotiable instrument that fully satisfied the account. Despite receiving adequate notice and defaulting on their obligation, they failed to acknowledge the payment, continued collection efforts, and reported inaccurate information to credit bureaus. They have not submitted any documents or affidavits to properly close the account. 

I am pursuing legal remedies to compel ACA to comply with their obligations. Additionally, I request that Equifax conduct a thorough and accurate investigation into these matters, update my records accordingly, and restore my credit score, which has been negatively impacted by this erroneous reporting. XXXX negligence and non-compliance in addressing this issue must be rectified, as they have failed to uphold their responsibility in ensuring accurate reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts # XXXX, # XXXX, # XXXX and # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has consistently failed to provide Proof of account but have only replied as creditor verified account as accurate. According to the FCRA there was not a proper investigation conducted. I was never provided with concrete evidence of verbal or contractual agreement, payment information, personal information and possibly violation of HIPPA LAWS. I request proof or future Litigation have conducted against bureau. 
I want account deleted as it's a hinderance
Product: Mortgage

This a follow-up on multiple complaints submitted on this company. I went through a successful 12 month repayment plan. I attempted to apply for a modification prior to the expiration of the repayment plan and was told to wait for the expiration of the 12 months. You will find this in my prior complaint results. I waiting until the repayment plan expiration, applied, and was immediately denied for any workout option without any explanation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Lexus XXXX has reported to the three Credit Reporting agencies that we have failed to pay them, the claim by Lexus XXXX is fraudulent and is in an error. 

The car in question was involved in a accident. 

The XXXX XXXX insurance company declared it as a total loss. 

The XXXX XXXX Insurance company confirmed the situation with Lexus XXXX and requested the payoff amount as of the date of accident XX/XX/XXXX. 

The Lexus XXXX provided the payoff amount of {$25000.00} that included monthly payment of XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX Insurance issued a check no. XXXX XXXX XXXX on XX/XX/XXXX and the check was cashed by Lexus XXXX on XX/XX/XXXX ( attached is a copy of the cashed check ).
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681a - Definitions ; rules of construction, a credit report is only supposed to contain ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX, & the crediting agencies have reported both transactions and experiences on my consumer report. Late payments are considered a transaction, due to also being charged late fees. I have asked on several occasions for the XXXX  Account : XXXX and Account : XXXX listed on Experian, XXXX, & XXXX to reverse the late payments on my consumer report, to no avail. 
XXXX  has charged to my account LATE CHARGES, and Experian, XXXX, & XXXX have furnished my report with these late payments. By reporting these late payments, they are violating 15 U.S. Code 1681a 2 ( A ) ( i ). 
I would like for this account to reverse these late payments on my consumer report to paid as agreed and never late.
Product: Vehicle loan or lease

On XX/XX/year> I accidentally made a double payment towards my auto loan with USAA. The morning of the XXXX of XXXX I noticed my automatic payment for my car loan didnt come out on the XXXX so I manually made a {$1200.00} payment towards the loan. Shortly after that my automatic payment of {$1200.00} came out of my account. I called the bank on the XXXX of XXXX and notified them of the issue and asked to have my payment of {$1200.00} to be returned or reversed and they notified me that they will have to dispute it and and that investigation will take XXXX business days. On XX/XX/year> they notified me through documents that they will not be able to reverse my payment because it will make my loan account negative and that is not true. My car payments are due the XXXX of every month as of now with the double payment my next loan payment is XX/XX/year> refunding my money will put my next loan payment on track of XX/XX/year>. I have talk to multiple people at USAA informing them of the issue and I have been there is nothing more they can do and I am not settling for that answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I only authorized XXXX XXXX to pull my credit through the car dealership and they went ahead and had 6 other financial institutions pull my credit without my consent and I specially told them not to do that prior to giving them my personal information and was assured it would not happen and it happened anyways and they lied and tried to excuse it away with phony articles stating even though they send your credit to a million banks it only counts as one inquiry. That is a lie as I have my credit report to prove otherwise. 
Because of this now I can not refinance my house and will be stuck with a higher mortgage payment. 
The only reason I even considered a new truck was because of XXXX  offer of 0 % interest for 84 months and six months no payment and I even told them my score and asked if I would qualify since they know what score is needed to qualify for their deals and they once again lied and said yes. 
I am a single mom and I dont like being lied to and taken advantage of and my credit destroyed due to unethical and sneaky business practices of car dealerships.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was sent a debt noticed via mail and I requested the debt to be validated. 41 days after sending that letter and receiving no response, I sent an additional letter and have still yet to hear a response. 

It has been nearly two months since that time and I have yet to receive a response from the company. The company, who is representing XXXX XXXX XXXX, is still reporting inaccurate and unfair information to the credit bureaus after failing to validate debt. 

At the time of this complaint, this debt has not been sold and is the sole owner of XXXX XXXX who is being represented by Radius Global.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because XXXX XXXX XXXX failed to comply with my XXXX XXXX Compliant Record Request for my personal examination to validate and verify. privy of contract. 
I submitted a letter on XX/XX/XXXX to XXXX XXXX XXXX requesting that the original copy or certified copy of the original agreement/contract bearing my wet ink signature for account XXXX with XXXX XXXX XXXX XXXX Which is being reported as an alleged repossession on my consumer report by their XXXX XXXX XXXX. 
They are reporting ( inaccurate, incomplete, and/or inaccurate and incomplete ) information in consumer reports concerning me that they have compiled and published to third parties and consumer reporting agencies. The ( inaccurate, incomplete, and/or inaccurate and incomplete ) information that they are reporting is harming me personally, emotionally, and financially, and causing me damage. I look forward to your response to this matter.
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. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. 
XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

You failed to investigate this account properly and your neglect has violated my rights.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiry XXXX XXXX XXXXXX/XX/year> 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.