23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was alerted to go on line by my refinance lender to see what was going on. I did, and discovered that my credit score dropped 144 points. In a PANIC, I discovered that I was put into collections by I.C. System for an unpaid medical bill with XXXX XXXX/XXXX. 
I called XXXX to see why they put me in collections, and they said that they don't bother looking in their portal system, so they didn't see my inquiry regarding the {$410.00} charge as incorrect. I was told by the office manager that they send out 3 notices then put it in collections. 
A review of my credit information shows that IC System started putting me in collections on XX/XX/XXXX. I NEVER RECEIVED ANY COMMUNICATION FROM IC SYSTEM for this collection. NOT ONE. As soon as I saw that my credit score dropped 144 points, I IMMEDIATELY contacted IC System and paid the debt. 
I had no choice. I was trying to refinance my home, and I couldn't risk being denied. 
This is fraud, and I'm charging XXXX in it. IC System sent me two notices AFTER I paid, but none while they put me in collections on XXXX, again on XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX, my score dropped 144 points. 
Not only did XXXX raise me back to XXXX, but mysteriously removed that I ever had a debt collection notice! 
I believe that XXXX and IC System and XXXX are working together to basically hold a financial gun to peoples heads to FORCE them to pay charges without question. I disputed the charge to XXXX after their XX/XX/XXXX bill. I went through their system portal. Since I never heard from them, I thought they wrote off the claim. I found out later that they don't bother reading the portal claims. They collect payment by submitting you to IC System. 
I get notified by the US Postal Service of incoming mail. I have all the notices from USPS of the 2 receipts from IC System AFTER I paid, showing a payment receipt and a payment agreement. The USPS has no notices to me from IC System prior to the payment receipt and payment agreement.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of a late payment reported on my credit file, which I believe is inaccurately reflecting my credit history. 
Upon realizing the issue, I immediately contacted XXXX to address the situation and rectify the missed payment. However, I was disappointed to find that the bank provided no satisfactory resolution and failed to take responsibility for the improper delivery of the statement. They informed me that the only recourse available was to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Given the circumstances, I believe it is unjust and inaccurate for this late payment to be reflected on my credit report. The late payment was solely a result of the bank 's failure to deliver the statement in a timely manner, despite my efforts to ensure prompt payment.The late payment in question is in relation to my account with : XXXX XXXX.
Product: Bank account or service

My checks were stolen as well as documents with my signature. I reported my checks stolen to Bank of America. I even walked into a branch and received new checks and asked the bank not to allow any transactions on the closed account with only small pending transactions. I had a new account number created XX/XX/XXXX. 
On XXXX, the bank reversed charges, claiming that my signature was consistent with mine on file. Does the check fraud department do or do not know that signatures can be forged? The bank also makes an excuse how claim forms that were emailed to me were not received. I am sick and tired of Bank of America not covering claims. I am ready to go to a higher level of Law Enforcement that the Banks are not investigating claims correctly or not covering claims, which is fraud itself. I certainly hope that this agency does something about Fraud and this Bank for a change. I have another claim not covered XX/XX/XXXX that I want covered and reopened by this bank. 
I was also charged fees in another account which both accounts combined I never should have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been notified their information is incorrect on the following account : XXXX XXXX   XXXX ( This account is listed twice. ) Ive reviewed my records and the last activity on this account occurred XX/XX/XXXX ( Equifax 's records show the date of delinquency as XX/XX/XXXX ). No  further activity occurred. I am asking that Equifax require this creditor to provide proof of the activity on the account, and by proof Im not simply referring to their printed records. They must provide a ledger accounting of all payments and dates. Otherwise Equifax should remove this account entirely. Additionally, it can not be both charged off and late as the report shows. Also, confirm that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me. This account is NOT listed by either XXXX or XXXX. Obviously their records are correct and Equifax should adjust their records accordingly.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I applied for credit at a furniture store that used American First Finance for financing. The items as advertised by the store online and in store totaled {$600.00}. I was informed by the salesman that it was a weekly payment program, there was a {$50.00} loan origination fee and that I had the OPTION to pay off the loan in full before XXXX days. After XXXX days there was " additional fees '' but did not go into detail on how much those fees were. I was told the payments would continue until the merchandise was paid off. I was told I would receive a copy of my credit application and contract by e-mail ( I never did ) and that payments would begin weekly on XX/XX/21. When I picked up the merchandise I was only provided a receipt that showed a price of {$600.00}. All weekly payments were withdrawn automatically from my bank account beginning XX/XX/21. On XX/XX/21 I received an e-mail that another payment had been withdrawn. At this point, a total of {$730.00} had been withdrawn. That seemed sufficient enough to pay off the {$600.00}, the {$50.00} loan origination fee and any sales tax. I logged in to my XXXX account ( Account XXXX ) to see what the balance was as I expected some " additional fees '' and to my surprise the account showed a balance of {$490.00}. I quickly got in touch with customer service to inquire why this amount was so large and was told that since I did not exercise the early payoff option, my payments would continue weekly until I satisfied the entire {$490.00} balance or I could pay the {$490.00} in full today. I requested a copy of the contract and did receive it this time. This contract reflected that the total of my merchandise was $ XXXX. A nearly XXXX  % increase of what I was originally informed of. When I explained this to customer service, I was informed that they could " settle my balance '' for {$350.00}. When I stated that was still way too much, they came back and offered a {$300.00} " settlement '' that would be due in XXXX days, at which point my account would be closed out. I do not agree with this shady bait and switch practice of a store informing a customer their balance is one price and once American First Finance has the customer 's financial information, the actual price of over XXXX XXXX more is then revealed. I have decent credit and had I used a credit card instead, I would have not paid anywhere near XXXX XXXX in interest. I trusted that this store ( which was previously XXXX ), offered financing that was in line with other installment furniture loans I have had in the past. American First Finance is a highly disappointing company and I will never finance any item with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

XX/XX/2022, XXXX XXXX - XXXX XXXX places special requirements on companies that report to credit reporting agencies if they provide payment relief due to coronavirus. I was provided payment relief from XXXX XXXX do to covid-19. The CARES Act law states that companies are not suppose to report late payments do to the coronavirus.
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 the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do 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 these files. 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} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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: Consumer Loan

GAVE BACK LEASED CAR AND GOT ANNOYING CALLS WHERE IS THE CAR SAID I NEVER PAID AND WILL NOT SEND TO CREDIT BEUREAU BUT THEY DID SCORE DOWN XXXX POINTS
Product: Vehicle loan or lease

In XXXX of XXXX I was in desperate need of a car and went to a " Buy Here, Pay Here '' lot in XXXX ; XXXX  XXXX. They financed the car through United Auto Credit Group for 2 years at $ XXXX/month. As I explained I was desperate and when I expressed concern about the payment XXXX  XXXX indicated I could refinance in 6 months. I signed for the loan made payments through XX/XX/XXXX. The last couple of months if I was unable to pay the entire {$850.00}, I would make sure to pay something, usually over {$800.00}. One day while at work they came and repossessed the vehicle because I was {$39.00} late ( by paying less than the total payment ) I was not given an option to get the vehicle back ; only to collect my belongings and the vehicle was sold at auction. United Auto Credit has been reporting since XX/XX/XXXX that I continue to owe them {$7200.00}, and have charged off the loan. I have requested the a reconciliation of all payments made by me, and the amount received when the car was sold at auction. I believe the money they are reporting is incorrect and is significantly effecting my credit score. 

I did contact them in an attempt to settle the debt and they requested 50 % or a little over {$3600.00}. As a result I am convinced they are inflating the amount owed on my credit report and as I stated I would like the reconciliation of my account and the amount received for the vehicle at auction.
Product: Credit card or prepaid card

Wells Fargo Bank XXXX. has continuously violated my consumer rights laws but practicing unfair debt collection practices. They have sent statements that include predatory lending language by giving me deadlines in which I must make payments. Wells Fargo has violated multiple federal laws over my time as a creditor with this company. 

On XX/XX/21 and XX/XX/21 I received a statements that violated my consumer rights laws. 

In response, I sent over a debt validation letter requesting for XXXX to validate the debts stated, an affidavit of truth which reported the violation of my federal laws, 4 exhibits of violations, and an invoice for the number of violations found in each statement.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I am writing to formally dispute the inaccurate information on my credit report, specifically regarding the following accounts, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. I am requesting an immediate investigation into these accounts, as I have reason to believe they do not accurately reflect my credit history or have been improperly reported.

The accounts in question are : XXXX. XXXX XXXX ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX, XXXX ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX )
Product: Checking or savings account

the Citi bank closed my checking account, and until now didnt refund my money was in my account
Product: Debt collection

I have tried to have this issue remedied previously but XXXX XXXX XXXX   still has not removed their account from my credit. After I submitted complaints and disputes about them appearing as a factoring company and reporting a collection account as an open and past due account they have since increased the balance they show I owed. They have added on extra fees to my balance they claim I owe and they are not allowed by law to increase the balance of an account that was from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Ally Fincl Inquiry : XXXXXXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection that appear on my credit report which I know nothing about, I don't have any knowledge about the debt. I'm challenging the validity of this record showing a debt that is recorded in XXXX XXXX under the FCRA, Fair Credit Reporting Act, Section 609. I am asking to verify this record. If the record can not be verified, I request the record to be remove from my account immediately.
Product: Credit card or prepaid card

I received a stalement from your company requesting of a payment from XXXX XXXX in the amount of {$280.00}. I am willing to pay off this account in the full amount of {$650.00}, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 
According to 12 U.S.Code 83, " No national bank shall make any loan or discount on the security of the shares of its own capital stock ''. No money, devices, or services were loaned by CAPITAL ONE to XXXX XXXX nor CREDIT WITH XXXX. I request documentary evidence on account ending in XXXX, pursuant to 15 U.S Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ). I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the 10-K. On the public and private side showing accounts receivable and payable.
Product: Debt collection

i just see a debt on my credit report thru ars from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. Ally Financial XXXXXX/XX/2021 2. XXXX  XXXX XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

Privacy act of 1974 Family and education act of 1974 " I am opting out of your reporting services. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, 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. '' ( Furnisher of information to credit agencies ) is a financial institution 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. '' ( Furnisher of information to credit agencies ) the financial institution and the XXXX reporting agencies Equifax, 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 Equifax, XXXX, XXXX, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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. '' This account is an adverse item they are reporting again 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. Equifax, 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: Mortgage

My original loan with The Loan Depot # XXXX was transferred XX/XX/2022. During this time, my payment was mailed to the original loan number and address. While being changed to loan # XXXX, my XX/XX/2022 payment and XX/XX/2022 payments were marked late due to the both being sent to the wrong address ( original loan payment address ). Then in XX/XX/2022, I sold my home and the loan was paid off. It is my understanding that it is illegal for a mortgage company to mark any payments late during a loan transfer period. This is exactly what happened here and i want my credit report corrected. I am a Veteran and this is keeping my from obtaining a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and find inquires that are unauthorized. I did not give consent for these to be furnished. I have sent in multiple complaints about this. This is now willful negligence and violation to my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is the company and it began in 2011 and this should have been off my reports for a while and when I disputed them and reached out to Santander directly I was treated with rudeness and disrespect while trying to get the reports removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX