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

I was referred to a person by my friend, XXXX XXXX, who lives in Michigan, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Citizens Bank, and XXXX XXXX XXXX. The payments were made and the total amount was brought to " Paid off ''. I even called the financial institutions to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of 15 days, a month, or one and a half months, the payments were reversed from my financial institutions. This is a fraud. Citizens Bank shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with the Citizens Bank if they will just reverse the payments.
Product: Debt collection

I received a bill yesterday through mail from TaxServ Capital Services, LLC with an amount of XXXX   that I didn't know about. My ex-husband kept all the cars and I know he declare himself on bankruptcy right afte our divorce. But I can not believe all this money owed for a car he kept. I came to Virginia with no car, The XXXX XXXX XXXX here in Virginia gave a car for free back then. I don't know why the XXXX of XXXX XXXX waited 14 years to send me a bill through a collection company. How can you best advice me to do in this case.
Product: Credit reporting or other personal consumer reports

I SENT THIS LETTER Subject : Request for Validation and Investigation of Account under FCRA Section 609 Dear EQUIFAX, XXXX, XXXX, I am writing to formally dispute the accuracy of certain information listed on my credit report. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I request that you validate the accuracy of the following account ( s ) appearing on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( LISTED XXXX TIMES LOOKS TO BE SAME ACCOUNT ) XXXX XXXX XXXX I request that you provide the following : 3. Copies of any signed agreements or contracts with my signature that verify my responsibility for this account.

4. Documentation detailing the chain of ownership of the debt if applicable.

5. Any additional evidence used to verify the accuracy of this account 's reporting. 
If you can not provide this information, I request that the disputed account ( s ) be promptly removed from my credit report under Section 611 of the FCRA.

Please include the results of your investigation, as well as an updated copy of my credit report, to reflect any changes. I have enclosed a copy of my government-issued ID and a utility bill to verify my identity.

I look forward to your response within the 30-day time frame as required by law. If you require additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

on XX/XX/31 i visited XXXX XXXX in hopes of purchasing a new vehicle but instead was discriminated against and humiliated for excercising my rights in good faith under the Consumer Credit Protection Act. 

XXXX XXXX is the salesperson i dealt with and who submitted my consumer credit application which is classified as a consumer credit transaction for a XXXX XXXX XXXX XXXX XXXX Submitted my credit application to XXXX and Chrysler Capital. 
XXXX tells me i am denied. 
I told him there is no such thing as denial only dishonor because their only job is to extend me my credit. 
He then asks me to sign the credit application that was used for denial. 
I asked him did he submit the application before me signing he said yes and I have it recorded The credit was extended but XXXX will not release the vehicle until CHRYSLER CAPITAL buys my contract. 
The credit was extended to XXXX XXXX and CHRYSLER CAPITAL as I now have a hard inquiry on my Credit Score. 
. After running credit credit application before it was signed. I also called twice to get additional information and was given the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX - Account # XXXX and XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

application number : XXXX Someone tried to open an account on my credit report and Synchrony Bank is the creditor. There is an inquiry on my report that should not be there as i did not open, apply for an account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

the car loan from XXXX XXXX XXXX was paid in full on XXXX. From {$800.00} to the current balance of {$0.00}. 

XXXX # XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending tree says that Inhave several accounts in arrears one of which is a student loan. I have never had student loans. My education was paid for at the time Inwent to College and XXXX school XXXX. They show this from 1998 and have stated they verified it. This is impossible. I have asked for proof which they will not give me.
Product: Debt collection

TRIDENT ASST is claiming that I owe them {$610.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that was made with out my consent. 
Synchrony financial 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 In accordance with the Fair Credit Reporting act 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 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received XXXX different letters dated XX/XX/XXXX from Wells Fargo stating that they will be closing all my accounts ( XXXX business checking, XXXX checking, XXXX savings ) on XX/XX/XXXX. When I called to find out the reason for this they told me it was a " business decision '' and that on their fine print of all accounts they may end the relationship at any time. I asked for a more specific reason because I've been a great customer of the bank since XXXX and they did not provide me with anything. I asked that this be escalated and they transferred me to executive offices and the person I spoke to there said the same thing. I'm appalled by this whole situation and that this is the only reason they gave me. I do not understand at all because I have never had any negative balances, fraudulent activity, paid all my fees, and was a great customer overall. This is completely unacceptable especially since I have never had any problems that would have caused this to happen. No wonder they were fined {$3.00} XXXX for its staggering fake-accounts scandal.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 a " There is a need to insure that consumer reporting agencies exercise their great responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CAPITAL ONE, XXXXXXXX XXXX XXXX XXXX XXXX  are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CAPITAL ONE, XXXX, XXXX XXXX XXXX XXXX any financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX, XXXX, XXXX, CAPITAL ONE, XXXX, XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' CAPITAL ONE, XXXXXXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I previously had an account with XXXX  XXXX, it was closed out and sold off XXXX XXXX XXXX, the collection information seems inflated and incorrect so I sent a Dispute letter per the FCRA. The company failed to verify the debt and refuses to pause collection activity including derogatory credit information even though they can not validate the debt. 
XXXX is a predatory debt collector who runs afoul of federal laws such as the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX  XXXX
Product: Mortgage

I've been living in my home since 2021 of XXXX. I try to get refinance. And they are saying that I'm XXXX points on my credit. When I get the XXXX points then I can do to refinance. I've been trying for a whole year now. My mortgage has went up. My escrow has went up my insurances has went up. And I'm currently on social security benefits. And I believe that rocket mortgage is charging me too much fees
Product: Checking or savings account

I RESPECTFULLY ASKED BANK AGENT XXXX XXXX TO ADD UP ALL MY BANK DEPOSITS BETWEEN XX/XX/XXXX THROUGH XX/XX/XXXX I HAD ONE DIRECT DEPOSIT FOR {$840.00} DOLLARS FROM SOCIAL SECURITY ON XX/XX/2022, THEN I HAD ANOTHER DEPOSIT FROM SOCIAL SECURITY ON XX/XX/2022 FOR XXXX. I ALSO ASKED BANK AGENT XXXX XXXX AT XXXX XXXX XXXX BRANCH TO ADD UP ALL MY ATM WITHDRAWALS AND DEBIT CARD PURCHASES BETWEEN XX/XX/2022 AND XX/XX/2022 AND TO PLEASE DEDUCT AND PUT A TRACE ON ALL TRANSACTIONS AND SUBTRACT THEM FROM ALL DEPOSITS TO RECEIVE THE AVAILABLE BALANCE, BUT XXXX XXXX THE AGENT AT THE XXXX XXXX XXXX BRANCH IN XXXX SC REFUSED TO HONOR MY REQUEST SO I FILED THIS COMPLAINT? I ALSO HAD A DEPOSIT OF {$540.00} ON XX/XX/2022 AND I WOULD LIKE TO ADD FROM LOOKING OVER THE BANK STATEMENT THAT AGENT XXXX XXXX GAVE ME FOR XX/XX/2022 THAT A CHECK WAS WRITTEN FOR {$400.00} DOLLARS CHECK NUMBER XXXX FROM MY CHECKING ACCOUNT ENDING IN XXXX, I TRIED TO EXPLAIN THAT I DID NOT WRITE THE CHECK FROM MY BUSINESS ACCOUNT BUT THE BANKING STAFF WOULD NOT LISTEN TO REASON?
Product: Credit reporting or other personal consumer reports

I have had the issue with XXXX XXXX XXXX XXXX before. I had previous with NFCU that were old and should've been removed from my account but they are showing the information missing/no data for these months to keep the item on your credit report longer than it should be. This account first went delinquent on XX/XX/XXXX, they continuously move the credit date to keep this item on your credit report longer than it should be. This is the XXXX account that XXXX has did this and it should be an investigation into this. They know that you can only view 7 years of your credit report and they use that to their advantage. When I'm viewing the history I only see XXXX. The year XXXX is not viewable and there's dashes through most of XXXX. Also, XXXX is when it was charged-off, which it had to go delinquent prior to XXXX before it was charged-off. It take months of delinquent reporting before it is charged off. I need them to remove this from all of the credit reporting agencies and I want this looked into for a class action lawsuit. I am stage XXXX XXXX and have been disputing this for months and they knew the entire time that this wrong. They did this before with XXXX other accounts I have with them and I don't think that this is a practice where I was singled out. This is what they are doing and it should be illegal. I will also escalate this with my Attorney General 's office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$150.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Origionl debt was with XXXX XXXX XXXX XXXX who wrote off the debt, the amount was charged to me as income and I paid state and federal taxes on that amount. Four years later XXXX XXXX XXXX  sent me a collection notice. I mailed their lawyer a copy of the debt right off. They still persisted. On XX/XX/2018 I sent Portfolio Recovery a check for {$2700.00}. On XX/XX/XXXX, Portfolio Recovery deposited the check. On XX/XX/2018 the check cleared the bank. Portfolio Recovery refuses to acknowledge payment. Disputes filed with XXXX XXXX, XXXX, and XXXX have failed. Copies of closed check sent to all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian,XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no successful resolution. Experian, XX/XX/XXXX, and XX/XX/XXXXreporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Mortgage

I filed a complaint with the CFPB regarding my insurance being paid to the wrong company and my insurance potentially being cancelled. Today I received word from my insurance company that they have not received payment and my insurance has been cancelled. I escrowed my payment to Cardinal and they were responsible for paying this bill. I requested the ability to pay it myself and was denied because allegedly my loan balance is not less than 89 % of the value, which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items off of my credit report due to inaccurate information to both XXXX  and Experian. Neither one of these credit bureaus responded in 30 days, nor did they provide proof of the accurate information. I've sent them 2 letters and no response have been made.
Product: Credit card or prepaid card

In large print PayPal Credit offered " No Interest if paid in full in 6 months ", but on about the second month statement closing date XX/XX/19 I am charged {$34.00} interest. I called and spoke to a manager and I am told in the fine print of Terms and Conditions that I am not qualified for interest deduction. 
The manager said PayPal will notify you with a warning before you make a purchase but I told them I received no warning. 
I checked the Terms and Conditions, the only qualifying criteria I could see was it had to be a purchase of over {$99.00} I told the manager that this was deceptive advertising, but she didnt care.
Product: Money transfer, virtual currency, or money service

I was involved in a " free '' piano scam where my co-worker, who is in charge of donor relations, emailed me that a woman was giving a way a free piano. I have never fallen for a scam like this, and everything seemed legit. I wired {$1200.00} to cover shipping costs and received both a tracking number and invoice. I didn't realize it was a scam until the shipping company emailed me a few weeks later saying " your piano shipment is frozen due to finding large amounts of cash in XXXX of the compartments '' I then looked up this scam and realized many people have fallen for it. 

If someone using this website tries this with you, be warned : XXXX XXXX XXXX email XXXX phone number : XXXX XXXX I called my Discover bank line and they heard my story but said they couldn't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still having an issue getting my Sage Stream Consumer Report. I have sent identification documentation, but I havent received my Sage Stream Consumer Report as of today. All of the information, accounts and credit inquiries listed on my Sage Stream Consumer Report is all fraudulent information, accounts and credit inquiries, because I was just recently released from XXXX after being XXXX for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, DOB : XX/XX/1974, SSN : XXXX.
Product: Debt collection

I have sent they 4 Letters asking for a contract with my wet signature showing I owe this debt, they have failed to provide a contract that I have signed.
Product: Checking or savings account

During my time in college, I unfortunately became the victim of identity misuse. My personal information was compromised and used without my knowledge or consent. As a result, XXXX unauthorized and fraudulent deposits were made into my account. I understand the seriousness of this matter and want to emphasize that I did not initiate or benefit from these transactions. As a student managing both academic and financial responsibilities, this experience was deeply unsettling.And as a result I havent been able to open, a checking account with Citi bank. While this has been deeply troubling, I have since taken steps to secure my identity and am committed to ensuring that such incidents do not happen again.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting as a collection on my credit report with transition, this is from an alleged medical debt that I have no knowledge of. 

This is not my debt and even if it was the CFPB has ruled medical debt can not be reported to the credit reporting agencies. This collection is directly against the CFPBs recent ruling
Product: Debt collection

Phone call XX/XX/2018 @ XXXX from phone number XXXX Phone call XX/XX/2018 @ XXXX from phone number XXXX Phone call XX/XX/2018 @ XXXX from phone number XXXX Phone call @ XX/XX/2018 @ XXXX from phone number XXXX Federal law ( FDCPA ) requires them to send me a letter ( US MAIL ONLY ) postmarked within 5 days of their first contact that contains their name, physical address, the creditors name, and the amount of the alleged debt. It also must contains mini-Miranda telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. 

I have received zero written notices regarding any outstanding debts however this company has called me constantly for at least a year. I have tried blocking their phone numbers, they keep changing phone numbers and calling me over and over again.