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

In XX/XX/2016 I purchased a vehicle from XXXXXXXX XXXX  XXXX XXXX. The vehicle was financed through XXXXXXXX XXXX 's private finance corporation XXXX XXXX. 

After attempting to trade-in the vehicle at a competitor 's dealership, a XXXX report was run and I was advised that my vehicle had prior structural/frame collision damage to the driver 's side and the rear of the vehicle. This information had not previously been disclosed at the time of purchase. XXXX XXXX violated Chapter 17, subsection E of the Deceptive Trade Practices Act by knowingly selling a vehicle that had prior collision damage and whose value was misrepresented at the time of purchase. The value of my vehicle at present when attempting to trade it in is roughly {$4000.00}, however, the payoff on the vehicle is {$12000.00}, which is nearly triple the actual value of the car, that had pre-existing damage to its frame. 

The conduct of the sales staff at XXXXXXXX XXXX was a producing cause of my damages. XXXX XXXX and XXXX XXXX were in direct benefit from the misleading transaction. 

Section 17.50 of the Texas Business and Commerce Code describes five ( 5 ) types of wrongful acts that can provide a basis for a consumers suit under the DTPA. These include  deceptive acts or practices, breach of warranty, unconscionable course of action, violations of the Texas Insurance Code and violations of tie-in statutes. Section 17.46 ( b ) of the Texas Business and Commerce Code sets  forth the specific acts or practices that are considered false, misleading or deceptive. Because the DTPA does not create any warranties, the plaintiff must rely on other statutory provisions such as the Uniform Commercial Code or the common law to establish the warranty. An unconscionable act or practice means any act that, to the consumers detriment, takes advantage of the consumers lack of knowledge, ability, experience or capacity to a grossly unfair degree.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXXXX/XX/XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was paid off and submitted to Experian and all other credit bureaus. Unfortunately the credit bureaus are the ones that did not update the credit reports to show, my XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was closed and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK USA/TARGET CREDIT sh ow me being late on payment s 180+ day s from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX
Product: Credit card or prepaid card

I have been trying to work with you and figure out whats going on Ive had no direct communication youve sent no letters or anything like that explaining what youre doing But from what Im gathering from XXXX XXXX in my credit reports there were four accounts open fraudulently they apparently were all opened with the exact same information youll me into the accounts you agreed that it was fraud and that I did not open these accounts and you have close them the other two accounts it looks like you close them but youre saying it wasnt fraud? 

XXXX XXXX Account Number Ending in XXXX XXXX  XXXX XXXX Account Number Ending in XXXX Lowes XXXX Card  Account Number Ending in XXXX XXXX XXXX Account Number Ending in XXXX So youre claiming that the Lowes card belongs to me and the XXXX XXXX card belongs to me but I dont really understand how or why do you think that he said something about receiving payments on the Lowes card but I never made any payments to you do you want to see copies of my bank statement youll see that Ive made no payments to you not just this card but any of the cards listed above in reviewing my credit reports I see multiple fraudulent addresses that do not belong to me nor did they ever belong to me and Im wondering are those the addresses that youre sending everything to? Because Im not getting anything in the mail I cant Im just a little confused if you have the exact same information for all four of the accounts how can you decide the two of them were fraudulent and two of them were not it just makes no sense at all
Product: Credit card or prepaid card

Someone open a credit card under my name i received a statement in my address that a fee has to be paid im not working Im XXXX I already call the company calls indingo I explain and they said to report it
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts Appeared on my Business Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

The following public record and credit inquiries isnt my public record or credit inquiries : Bankruptcy Chapter XXXX-Discharged, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to have all credit cards accounts removed from my consumer report account that's share my personal experiences threw third party public traffic. 

18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information 15 U.S. Code 1681
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, And they violated my rights numerous times. I demand the accounts listed below be removed because. 

According to 15 USC : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. PLEASE DELETE the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MIDLAND FUNDING LLC filed a suit in XXXX. I objected and disputed their complaint with XXXX XXXX XXXX. I told them to cease and desist with communication but they persist. The court gave a judgment where I was not given due process, which is a void judgment. Then I recieved a letter dated XX/XX/XXXX from XXXX XXXX. XXXX attorney with XXXX, XXXX & XXXX, XXXX Attorneys at law saying I must answer their questions. If I do not comply it may result in my arrest and incarceration. I mailed my objection and a copy of the answer to the suit and still no contract between myself and MIDLAND FUNDING LLC. I received another letter dated XX/XX/XXXX another void judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 2 unauthorized hard pulls in XXXX 2020 on my credit report from you all. They need to be removed immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I went to XXXX XXXXXXXX XXXX to cosign for an auto loan for XXXX XXXX. The salesman XXXX XXXX welcomed me and told me that I was cosigning the loan for 3 months, which I agreed to and signed. XXXX XXXX totaled the pickup while under influence of XXXX and left the country afterwords. After I learned that he left, I inquired with XXXX and they asked for payment for the pickup. Assuming I am a cosigner in this joint account, I agreed to pay half of the remaining balance in the amount of {$15000.00}, which XXXX approved my offer and I paid this on XX/XX/XXXX. 

After paying, I disputed with credit bureaus and they disputed with XXXX XXXX and I learned that I was listed as a buyer, not a cosigner in the loan. As stated above, I was never a buyer in this loan. Currently, XXXX XXXX is saying that I need to bring proof that I was not a buyer and they will let me go free. But the XXXX XXXX XXXX is not listening to my complaint.
Product: Debt collection

I am filing this complaint due to Midland Credit Management , IncXXXX ( MCM ) 's repeated failure to provide requested information concerning a debt they allege I owe, their refusal to respond to my disputes and inquiries, and their decision to refer the matter to XXXX, XXXX XXXX XXXX, XXXX, thereby acting in bad faith and violating my rights as a consumer. 

Details of the Complaint : Failure to Provide Information : Despite multiple written requests sent via certified mail on XX/XX/2023, and XX/XX/2023, MCM has failed to provide adequate documentation or verification of the debt, including but not limited to the original creditor 's details, contract, and how the debt amount was calculated. These requests were explicitly outlined in my correspondence, yet MCM has not complied with these basic consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Ignoring Dispute Requests : MCM was notified within the legally prescribed timeframe that I disputed the validity of the debt they claim. The basis of my dispute includes discrepancies in the debt amount and lack of any original contractual agreement linking me to the alleged debt. MCM has neither acknowledged nor resolved these disputes, simply proceeding with collections without validating or verifying the debt. 
Referral to a Law Firm Without Resolution : After failing to provide the requested documentation and disregarding my dispute, MCM has escalated the situation by referring the case to XXXX XXXX XXXX XXXX XXXX, XXXX. This action has been taken without resolving the existing disputes, which I view as an attempt to intimidate and a disregard for lawful debt collection practices.
Product: Debt collection

This company calls me 10-15 times a day. Also, they know that even though my number is registered in California, I live in Colorado because I have told them this repeatedly and they have my address. They continue to ignore this and call me early morning and after XXXX XXXX. It is bordering on harassment
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 privacy and confidentiality under 15 surcharge 1681. 

XXXX XXXX accounts # XXXX. XXXXXXXX XXXX  # XXXX has violated my rights. 

15 u.s.c 1681 section 602 a. State I have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( a ) section ( 5 ) state : 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 record of conviction of crime which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relay to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Flagship three times and nothing has been sent to me proving the validation of this account. It has been over 120 days since the first letter was sent i send a new one each 30 days and still no response. 
I have also disputed with both XXXX and XXXX and they still fail to provide me with adequate information or documentation of validation of this account. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IMMEDIATELY as all of these companies are violating my rights and refusing to help solve the issue.
Product: Money transfer, virtual currency, or money service

My account was shut down due to a fraudulent transaction that I had no knowledge of, and when I tried reaching out to the company no one was available to speak to me or assist me right away. Now I cant use the app anymore all because I was requesting that a fraud case be looked into on my account. I was never given a chance to speak to anyone with the company live about the issue and my account was just shut down.
Product: Checking or savings account

I received multiple emails from Bank of America yesterday, XX/XX/2022, around XXXX XXXX  EST stating my an account was created in my name. I didnt apply for an account there. I tried calling Bank of America to resolve this and have been on hold for 45 minutes without getting through to anyone.
Product: Debt collection

i have disputed this debt numerous times. I also made them aware that it was paid and I currently have insurance with the company that they are trying to collect on. I sent a letter for the company to verify and to send me proof that I indeed owe them. Receivable Management continues to send a bill in which is not verification. if not removed I am seeking compensation of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax on XXXX, disputing items on my credit report. I have not gotten a response from them it has been over 30 days. according to the fair reporting act, these items should be deleted
Product: Debt collection

TRS recovery services, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is attempting to collect a fraudulent check in the amount of {$33.00} accepted by XXXX, XXXXXXXX XXXX  on XX/XX/year>. The check was from an order on new checks stolen from my mailbox on XX/XX/year>. I was notified by XXXX that day about a check that they had rejected because they suspected it was fraudulent. I reported the incident to XXXX XXXX who stopped payment on all checks in the stolen sequence .I also filed a police report as did XXXX XXXX XXXX The thieves were caught by the XXXX, XXXX XXXX approximately XXXX weeks later in a return visit to our neighborhood All of this has been explained to TRS and a police report forwarded. Yet they continue to harass
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting Act these convergent accounts has violated my rights.

15 U.S.C 1681 section 602 A. -States I have the right to privacy.

15 U.SC 1681 Section 602 A Section 2- Also States a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

On XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, over charged us for an payment of XXXX, instead of them just taking the XXXX, they took three payments of XXXX instead of just one payment. We have been trying to contact Cash App. But they haven't even given our money back. They haven't said anything.
Product: Credit card or prepaid card

Capital One N.A.closed my account in XXXX without properly disclosing why. The company discriminated against me by closing out an account I've used for years. I've called several times inquiring why it was closed and they are still asking for payment monthly without access to using the credit card. I have not been able to use my credit card since XX/XX/2021. 12 CFR 1002 talks about discrimination and discouragement. I do not agree with what the company has done.
Product: Credit reporting or other personal consumer reports

equifax was mailed a dispute on XX/XX/23 in regards to some information on showing on my report that was not mine. I have requested that it also be deleted over the phone but have yet to be heard.
Product: Credit card or prepaid card

I had a fraudulent charge of {$330.00} from a shady XXXX  in XXXX. I submitted numerous disputes through Citi 's customer service. They repeatedly agreed to refund my money but I never saw a XXXX. The most I got was a letter in the mail simply saying their investigation was resolved and they sided with the fraudsters. Mind you, this was a XXXX who just got their credit card machine, swiped behind a glass bullet proof counter, illegally sold counterfeit cigarettes, and broke every rule in the book during Covid. And Citi enables them to rip you off!
Product: Checking or savings account

TODAY I called Bank of America to get loss prevention to see why they would pay off someone else {$13000.00}. XXXX plus credit card out of my money and when was it going to be returned with the rest of my money that was taken by their bank. The representive pretended like she had found the account and was going to resolve the issue finally. she stated she had to verify me. she asked me for my address, my social Security Number, my Drver license number for New Jersey and Georgia, she asked me for the location of where I open up my account, The name of the bank when I open my account, who was my employer and then she gives me a phony phone number for XXXX XXXX oXXXX and stating they were still open. Bank of America has pulled a scam in getting all my information as to lie about the information they had on me preciously when they have lost everything and now this ploy to protect themselves. the employee even asked for my previous employer in New Jersey. When I hung up the phone from Bank of America, I had this sinking feeling that Bank of America has set me up in getting all my information as to prevent me from having a legal case in getting my money back which they stole in 2004. I feel like they have XXXX me today. which they actually did of all my personal information. they have it all. what a low-down dirty trick this bank has pulled again on me.
Product: Debt collection

In XX/XX/2019 my mother contacted me and stated someone left her a message looking for me and left a number for me to contact. 

After looking up the number I found it to be to a Cottonwood Financial dba XXXX XXXX. 

I sent them a Validation of Debt letter and a Cease and Desist letter ( attached ) on XX/XX/2019 via fax and addressed it to a compliance officer at Cottonwood. I have attached the fax confirmation proving they received it. 

On XX/XX/2019 I faxed another letter that included the XX/XX/2019 letter and stated it had been 30 days and they have not been able to validate the debt. 

as of today, XX/XX/2019 they are still trying to collect on a debt I do not owe.
Product: Checking or savings account

I was debunked by USAA. 

I sold my shares from the company I was working for and the first that I did when I received my money in my USAA checking account was to pay my debts. I called USAA on XX/XX/year> to let them know I will be making large payments to my creditors and debt collectors. 

I also transferred funds to my XXXX XXXX XXXX XXXX checking account, XXXXXXXX XXXX XXXX and XXXX checking account. 

USAA proceeded to restrict my account and informed me they are closing my accounts and I can no longer bank with them ever again. 

USAA also called XXXX, XXXX, and XXXX XXXX XXXX XXXX and told them to freeze my money. 

All I did was pay my debts and transfer funds to my other bank accounts so that I can save and invest the remaining amount. I did not do anything wrong or unlawful and debanking me has caused financial hardship due to my funds being frozen in my other accounts. Even my employer direct deposit for my payroll/paycheck are being frozen. I cant even pay my bills because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to remove these accounts  XXXX , from transunion,  XXXX , and  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent filed a complaint stating ACIMA was furnishing inaccurate information to the credit reporting agencies and that I want the information deleted because of these inaccuracies. They responded on XX/XX/2022, stating that they believe they are reporting correct information to the credit reporting agencies and that they have a right to report even after I showed them the law that states my consumer report excludes transactions and experiences from my report. The company said they did their investigation and that everything they were reporting was accurate and true and would send an update to XXXX. 

Well in my credit report I found they were not reporting accurate information and in the letter, they sent me there were a number of inaccuracies. I have attached all of this information to the complaint as proof. 

On my credit report, the date opened does not match what they state in their letter nor does it match said lease agreement. The total balances don't match whats stated on my credit report vs the lease they sent. The signature says it's electronic and it is not my actual wet signature nor did they provide proof of identification to show that it was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the year of XXXX XXXXinside this year, i was awarded a everyday, credit card from XXXX  ny, my vet spouse XXXX XXXX had given some help at my application process /i asked him about the help line from XXXX XXXX XXXX ny /when the card came in the mail i was thinking tthat the services must have worked /and then the next problem was that i didnot want the card to be missing, so then i took the card to the sales car place and ask for him to hold it for me /i was watching the XXXX  do the same kind of dealings inside their blocks, because their peopiles holds thier cards when they ask them too., the car place is located at the right side downward from the XXXX XXXX resturant /from there to your right side downward towards the right side highway/at the end then turn left and you will see a small car sells place i gave to one of the employees to hold for me/i think the card can be reproccesed again or another type of card for 12 years of money owings to my name XXXX XXXX XXXX /my adress is XXXX XXXX XXXX XXXX  ny, zipcode XXXX XXXX