23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Acceptance has attempted to collect this alleged debt from me since I entered into a contract with them on XX/XX/XXXX. I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by Credit Acceptance. I am not terminating the contract, I am deducting my liability to pay on behalf of the obligor as I found several violations of fraud. According to the contract, I wasn't aware of my right to rescind at the time. I entered into the contract without being given full disclosure and disputed the validity of this debt when I mailed a letter of conditional acceptance on XX/XX/XXXX. In this letter, I agreed to pay the debt if within 15 days, I was sent the following from Credit Acceptance : confirmation of the debt, production of the account and a general ledger statement, a signed invoice to verify their claim against me, a copy of the contract binding both myself and Credit Acceptance ( not a photocopy ), a statement acknowledging whether they are the holder or servicer in due course, a declaration acknowledging whether they sold my note as part of a pooling and servicing agreement ( securitization ), and if securitized, the name of the REMIC to whom my loan was sold and the CUSIP number assigned to my loan after it was securitized. I have reason to believe Credit Acceptance willfully and knowingly took advantage of me and my consumer credit. In addition, I was given false and deceptive information, as I was told that a down payment was needed in order to drive off of the lot which is a violation of 15 USC 1692e. I have included the letter I sent to Credit Acceptance as well as the contract I signed with Credit AcceptanceXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 an Auto loan was opened under my name with American Honda Finance without my knowledge. Identity theft. Balance Amout is {$9400.00}. Account # XXXX. I have submitted FTC report and Police report to Creditor and XXXX already. I was informed to file CFP report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with ( or resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 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 consist of personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, account opened at XXXX XXXX on XXXX XXXX under account number XXXX, account opened at XXXX XXXX on XX/XX/year> 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 XXXXXXXX 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: Credit reporting or other personal consumer reports

I see accounts that are in violation of my consumer rights according to law FCRA 6055b it is illegal to furnish anything on my credit profile without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.
Product: Debt collection

My mother was contacted by XXXX referencing case number XXXX about being served a legal letter that was intended for me, XXXX XXXX. My mother lives in New Hampshire and I live in Indiana. When I called the number I spoke with XXXX XXXX who stated she was with XXXX and XXXX and they were the legal representatives for Check into Cash for which I owed a debt of around {$1200.00}. I stated I would need to see the payment options, to which she stated there were two, one of which would involve me paying legal and attorney fees for around {$3000.00} or I could make two payments for the {$1200.00}. I stated I would have to make two payments as I'm not currently employed but I would need to see this in writing first. I was sent a Stipulation Agreement by XXXX XXXX with the same company and when I looked over the information I noticed they had my name listed as XXXX XXXX and this debt is from XXXX. Also stated on the call that the debt was listed on my credit report and was in a specific status as recently as XXXX. Neither of these are true. There is nothing from any of the three credit bureaus stating I owe this money. I believe this debt to be time barred and these companies, XXXX and XXXX and Check into Cash to be using abusive tactics by contacting family members and threatening legal action to sue in a state I'm no longer in by means of a state I've never lived in to try and collect on a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

I recently got an update of my credit report showing that it went down. Evidently the loan service lowered my payment amount and closed my auto loan as if I didnt pay it off. When Im fact I paid it off in XX/XX/2020. It took 10 points off of my credit when I am already struggling to pay off the debt I currently have. Not sure what to do or who to contact when regarding this issue.
Product: Debt collection

On XX/XX/XXXX I received a letter from On Line Information Services asking me for {$250.00} from supposed creditor : XXXX XXXX XXXXXXXX. XXXX. of TX. I contacted XXXX XXXX @ XXXX and provided them with my account number and was informed that I had zero outstanding balance with them and that Online info. services was fraudulent. Please investigate the matter.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT XXXX XXXXXXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,
Product: Money transfer, virtual currency, or money service

On the date of XX/XX/year>2024. I met with a woman who had it a tablet for sale on the marketplace. She said she would take Cash App for the payment. So when I sent her the money, we were standing outside of this hotel as soon as I sent the money. She threw a hot coffee in my face. Grabbed the tablet and jumped in a car and they took off. Am I a police report. Then reported it to Cash App somebody to dispute. And they denied my claim because they said I sent the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm upset with Equifax! There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Mortgage

In the beginning Quicken Loans made my husband move out of state and actively be working in the state we were going to buy in. We were given a closure date and when we were XXXX hours from home they pulled the date stating they could n't verify his employment and leaving us homeless. They are now claiming this didnt happen. Even though I have proof. They refused to give us a copy of escrow, and my husband did work there. all because they didnt update their systems. They lost tons of our documents. ( more info on request ) Then we asked to refinance I asked them not to call my work. They called my work and due to the company I worked for I XXXX. When they sent a appraiser he was an hour late. He compared our two story house to single story homes. The appraiser moved our house on a map. He moved it to the bad side of town. QL loans said they cant help me even though its the company they pick and use for 80 % of their apparels.I had to file a report and have him convicted with the appraisal board. We were forced to file bankruptcy. My attorney had to threaten them three times to restart sending statements ( more info upon request ) Several times over the years we just randomly stop getting statements. This went on for 6 month over the last year. They are misappropriating funds over this last year. It was explained to them multiple times that all extra moneys be sent to principle. We set this up years ago. They changed my loan without notification to prepaid. All extra money on accidental over payment have been payed to the next bill. We have been fighting this for the last year. XXXX XXXX is the only one that will deal with our accounts. Our number are all directed to her VM only. She hasnt helped us in the last year. Im having to call monthly-ish to fix our stuff. She out right refused to help us in XXXX. The extra money should have gone to the principle, but it went to the next payment. She stated she didnt know what to reverse so either they reverse something and we occur a late fee or we leave it and we " lose the money ''. Speaking with her has caused me to get severe hives. I have file endless complaints and they all seem to go to her. She never at fault, but they wont fix our issue. ( more info upon request ) This is the only thing my husband and I argue about. They are ruining our lives. I have tons of proof to the horrors of the last several years. Ive filed complains to QL and XXXX. 
It seems QL is to big and no one will help us.
Product: Debt collection

I was contacted by a debt collector ( XXXX XXXX XXXX ) for a debt with Best Buy. On XX/XX/XXXX, Best Buy acknowledged receipt of my dispute regarding an automatic renewal that is sent to me by email rather than by postal mail. The dispute was investigated and determined on XX/XX/XXXX. The Result was that I owed {$280.00}. and not the amount of further charges adding up to {$630.00} I sent that amount to Best Buy and I have the cancelled check dated XX/XX/XXXX and deposited by Best Buy on XX/XX/XXXX. I am now receiving a debt collection from a different debt collector ( Client services ) for the same disputed charge claiming I owe the difference ( {$340.00} ). 
Also when I checked my credit score, the past due payments are still on record. My original dispute was sent to Credit Bureau Dispute Verification and XXXX  to Best Buy Credit and XXXX XXXX XXXX. 
Please advise.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter for Barclays indicating that once again ( a previous reduction letter was sent XX/XX/XXXX ) reducing my available credit. 

I work for a XXXX XXXX XXXX and am very familiar with the problems that Barclays are having in the USA. 

Based on the letter received yesterday ( and letter last year ), it is clear that the company does not want me as a client. 

Barclays is acting in bad faith.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on EQUIFAXthen I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report
Product: Credit reporting

Accessed XXXX & filled out form. Selected Equifax for my credit report ( last requested an Equifax report in XXXX of 2014 ). Equifax site stated I had to request by credit report by mail. I did a bit of research and it appears this is because I placed a freeze on my credit reports after the Target & XXXX card number thefts. Can Equifax limit access to by credit report to a mail request vs on-line?
Product: Credit card

Was informed someone had personal information and was trying to open a Walmart credit card. The application was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report XXXX XXXX which Jefferson capital bought the debt. It appears on my credit report as an collection which they never validated the debt claiming I owe. I tried disputing online but it doesnt help. They say I owe {$1000.00} and I reached out several times but nothing is being updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the account listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous complaints about the ongoing violation of my consumer rights and breaking of the law by TransunionI have been mistreated, lied too and disrespected by Transunion for a long nowThis has to stop immediatelyIve attached a letter and an FTC report stating the violation and misconduct on the part of Transunion
Product: Vehicle loan or lease

I applied for a auto loan on XX/XX/2024 and got denied with Ally Financial. Regardless of the reason for being denied, I have the right to credit pursuant to 15 USC 1691a. Withholding my access to my securities is securities fraud. You are violating the equal credit opportunity act and consumer credit protection act. Since you are denying me my credit for unknown reasons please remember that i am the original creditor pursuant to 15 USC 1602 and 15 USC 1611. Deny me access to MY OWN CREDIT is fraud & illegal pursuant to 15 USC 1691. Please reconsider my application. Thank You. 

Also this complaint will also be filed with the CFPB! 

XXXX XXXX XXXX XXXX  in Fact W/O Prejudice
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX, I sent certified mail to TransUnion, along with 3 forms of id. XXXX XXXX XXXXXXXX, XXXX ) This is a formal complaint of your non-compliance with FCRA 611 ( a ) ( 1 ) and FCRA 611 ( a ) ( 6 ) ( A ).

Under the provisions of FCRA 611 ( a ) ( 1 ), you are required to have conducted a reinvestigation of my dispute filed ( ) and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. 



Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), you are required to have provided me written notice of the results of your reinvestigation within 5 business days of the completion of your reinvestigation. 



To date, I have received no notice of results of your reinvestigation. Since the statuory periods have expired, I consider you to be in violation of the cited sections of the FCRA.

Based on your failure to verify the disputed information, you are required under section 611 ( a ) ( 1 ) to immediately delete the disputed information from my credit file.

Thus, my complaint will be satisfied by timely deletion of the disputed information.

I am contemplating filing a formal complaint with the FTC for your violation of your reinvestigation requirements. I would prefer to forgo such a complaint provided that I receive an immediate notice of the results of your reinvestigation or deletion of the disputed information from my credit file.

Based on your failure to timely complete your reinvestigation and provide notice to me, I additionally request, under the provisions of FCRA 611 ( a ) ( 6 ) ( B ) ( III ) and FCRA 611 ( a ) ( 7 ), that your notification of results of your reinvestigation also include a description of the procedures you used to determine the results of your reinvestigation.
Product: Credit reporting or other personal consumer reports

i sent my 2nd letter to the cra 's on XXXX about the inaccurate and incomplete information they are reporting on my consumer report. they are in violation of 15 usc 1681s-2b for not deleting the inaccurate information from my credit report.Also, 15 usc 1681eb for not providing maximum accuracy of reporting information. 
i am requesting that the information be deleted from my credit report and that XXXX give me a score and stop hiding it from me
Product: Payday loan, title loan, or personal loan

My original payment amount was {$700.00} dollars. I had called and asked how many days I had to return the money and they had told me 7-10 days to pay off. I paid off the loan within the time frame. I had previously been charged a certain fee. The original loan date was XXXX however I did not get the deposit until the XXXX. ( this information comes in hand later on ). 
I never received a notice, a letter, or an email advising of that pending amount. I am currently unemployed and I do not have the funds to be paying off excessive amounts of money. 
I spoke with a representative today ( XX/XX/XXXX ) and I told her that I wanted my money back. and that I was not aware of what was owed. 
She gave me an email to see if I could get my money back and set up a payment arrangement but she told me that there was nothing further that she could assist me with. That I according to her knew that there was that balance owed. 
She also told me that I had 72 hours from the time the loan was processed to return the loan. How do I return a loan in 72 hours if it took the loan 72 hours for me to receive??? 
I paid off the original amount of the loan which was {$700.00} within the 7 days that they told me. 
They then removed XXXX from my bank in a check form! they do not notify me that I owed something! 

I need a resolution ASAP since I am unemployed and do not have the money to cover this loan. 
With everything that is going on in the world and this whole covid19 and unemployed thing going on, i would think that they would try a little harder to assist us in getting our back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Transunion that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX OF XXXX {$320.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following businesses used my information without my knowledge or approval, and it has shown up on my credit report. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX