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

I am a cosigner on a loan with my son at USAA. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex wife and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, USAA charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 150 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that USAA took a payment on XX/XX/XXXX and subsequently returned it to my son. USAA never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

USAA is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.
Product: Mortgage

Last year I asked if there was a program offered where I could skip a payment or 2 I was told yes and I could skip to payments, I skipped the 1st payment, then got a call saying I was behind and explained what happened, got an apology and some blah blah so I agreed to a payment plan, I faithfully paid on the plan as per what was on bill then after 5 or 6 months they call and said the plan is invalid because of aforementioned, and said just pay what I could to get the XXXX left to catch up so I said how about XXXX instead of XXXX they said fine, now I got a letter saying I'm 2 payments behind after paying all that extra for $ $ for 6 months
Product: Debt collection

I have received a mail from Jefferson Capital stating that I owed money to XXXX since 2023. I thought it was a scam due to me not knowing the company of XXXX and Jefferson Capital and to my knowledge of not having a debt to anyone. Every few months I receive the same mail from Jefferson Capital. This was on going for a year. Until this month I looked into it with why I am receiving this. I contacted a XXXX to see if there was any thing on my credit history that was under XXXX. They have reported me that there was a debt under my credit without my knowledge. So now I am disputing this debt with Jefferson Capital and XXXX. Not sure how someone used my credit information and purchased something online.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, Experian is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute inquiry does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. 
XXXX XXXX XXXX XX/XX/2021 XXXX Experian feels there is a possibility this inquiry belongs to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX XXXX XXXX XXXX ACCOUNT XXXX BALANCE XXXX XXXX ACCOUNT XXXX XXXX BALANCE XXXX XXXX ACCOUNT XXXX XXXX  BALANCE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXXXXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$7300.00} ; XXXX XXXX Owed : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX BalanceOwed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX TX, XXXX Experian, When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file and XXXX  and XXXX  seems to be the only 2 bureaus to get it right. EXPERIAN ever happens to fix the situation. 

For months I wrote each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court after I file my lawsuit. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 
Now my plan is to sue Experian for being such a pain in the buttocks to me. I have provided more than sufficient evidence to get these false accounts removed. I have sent you identity thefts reports on several occasions. 
You may contact me before XX/XX/XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Experian for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX BANK XXXX I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX  XXXX XXXX Balance : {$38.00} ; XXXX XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys/Department Stores National Bank furnished information about a closed account to XXXX different reporting agencies, those agencies are XXXX, XXXX, XXXX XXXX XXXX File Report account number XXXX as well as account number XXXX and XXXX. I provided Macys/Department Stores National Bank with 9 Exhibits labeled Exhibits A-Exhibit I to show you the violations of the Fair Debt Collection Practice Act Pursuant to Title 15 USC 1692d XXXX XXXX ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I have a {$5100.00} charge-off. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is TRANSUNIONs duty to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2018. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

I XXXX XXXX, entered into a consumer credit transaction with Paypal Credit on XX/XX/20. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Paypal Credit, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Paypal Credit never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$5900.00} XXXX XXXX {$300.00} XXXX XXXX {$0.00} USDEPED XXXX {$3200.00} XXXX XXXX {$24000.00}
Product: Credit card

I made several purchases in XXXX with my Capital One XXXX card that does not have a transaction fee. The purchases were made in XXXX  and had to be converted into dollars since the card is a XXXX XXXX XXXX The amount that I received back for XXXX was less than it should be, according to my calculations.
Product: Debt collection

in XX/XX/2022 Navy Federal has written off the alleged debt of {$15000.00} as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site Navy Federal are to File a 1099c for any amount over {$600.00} and send the consumer a copy of the filed form. 

Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. 

I want this matter investigated immediately. 

I will not hesitate to reach out to the IRS and TIGTA to do an investigation.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX and XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To : CFPB From : XXXX XXXX. Last XXXX of social. XXXX. Birthdate XX/XX/XXXX I am again disputing the XXXX XXXX inquiry dated XXXX from XXXX XXXX on my credit report. 

I have disputed this several times and seem to get the run around every time. Perhaps I didnt explain it well enough. Hopefully someone will read this and understand what happened. 

Today I talked again to XXXX XXXX who wrote the attached letter to me on XX/XX/XXXX. 

We talked about the unauthorized credit pull on XX/XX/XXXX. We talked about the origin of this pull, and he said that they didnt pull it, that the dealership had. 

I went back to the dealership and asked them to verify it. I did that in XXXX of XXXX and they sent me the attached email, telling me that they didnt pull it. 

So, I have asked XXXX to remove it and they said they cant. 

I have asked Equifax to remove it and they come back with a factual statement that obscures their failure to remove an unauthorized pull on my credit report on XX/XX/XXXX. 

It seems that the CFPB wields the power, and they should tell XXXX to remove it. 


Thank you. 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting 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 verifiedthat this item is being reported correctly? Who verified this item? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX I borrowed XXXX dollars. I was required to pay XXXX my first payment which only covered XXXX dollars of my principal balance. If I were to pay off in full it was about XXXX. I have noticed that XXXX dollars is already well over my 25 % gross monthly income which according to Nevada is against the law. I had to asked to skip a payment XX/XX/XXXX and I was granted it due to me not being paid. My income fluctuates weekly, since I am hourly and not paid during time off or holidays. I asked on or about XX/XX/XXXX to skip my next payment on theXX/XX/XXXX but was denied due to they are already pushed back the loan and offered me to pay XXXX instead. I can not afford that, so they put me down for that payment. I told them I am having a hard time paying it off and they just didn't seem to care. I shouldn't be required to pay this loan back or be threatened when my next payment does not go through. As they broke the Nevada law according to the below information. I will never apply for a payday loan again. 

XXXX XXXX XXXX XXXX XXXX XXXX 

Loan Terms : Maximum Loan Amount : 25 % of expected gross monthly income Loan Term : 35 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with XXXX over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for XXXX  to respond with validated proof per the Fair Credit Reporting Act. I have provided all requested documents to XXXX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors " Bank of America '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Account : BANK OF AMERICA - Account # : XXXX XXXX  Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX XXXX : XXXX DOB : XX/XX/XXXX
Product: Consumer Loan

I have had a loan through Westlake financial for a little over 2 years. Never had a problem till recently. I hit a little bit of financial trouble, due to my ex-husband not paying child support. I called them 2 weeks to explain why I was 3 months behind, at first they were understanding and told me to get a payment in asap, I informed the lady I would be doing it the first, she said that would be okay. Today I called to pay on my account and I was informed that had closed my account and charged it off and even though I offered them a payment, they refused said that I had to pay {$1000.00} towards the {$4000.00} that was still owed before the account was closed and they would work a payment plan for the rest. The last bill I recieved showed that I owed {$3800.00} left on my car. They would not explain anything and had not told me that they were going to this. They said they had called the past 2 weeks and left messages, I have no messages or calls from, they also said they sent mail, I did not recieve this either. I then asked them when will you be repossessing my car. I was informed even thought my account had been closed, my car was not up for repossession, I repeat they have closed my account, yet have not set me up repossession, it sounds very suspicious to me. I was very angry and upset, because they were very rude and ugly to me, and I did curse at them at the end of the call. I also discovered that last XXXX they had a lawsuit filed against them for their business practices, they are still doing unlawful and less savory business practices.