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

I purchased a vehicle from XXXX XXXX GA and it was financed by Westlake XXXX XXXX in XX/XX/XXXX. I paid a few times about 3 months and then the drive shaft and tire rod went out. I had to pay to get that fixed and I informed the finance company that XXXX sold me a bad vehicle. They repossessed the vehicle aroundXX/XX/XXXX. They never informed me by mail, email or phone call that that the vehicle was sold, where it stored, how much it was sold for. Ive sent letters with no response by certified mail. According to GA repossession law Georgia Code Section 10-1-36 outlines the debtors options following car repossession. The lender must notify you of your rights to redeem the car within 10 days of repossession. Unless youve signed an agreement renouncing your rights, the lender has to give you the opportunity to pay off the remaining loan balance and reclaim the car. This never happened. I would like the creditor removed from credit report or I will file a litigation next.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, ( aka Stillman Law Office ), a debt collection law firm with offices in Michigan, Maryland and Massachusetts, has filed a complaint against me to collect a debt of which I am unaware of and still have yet to be notified about. 

The supposed debt is from a company -- XXXX XXXX XXXX -- that I have never heard of. 

I am aware, however, is that XXXX XXXX XXXX is reputed to be notorious for unfair debt collection practices.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}.
Product: Consumer Loan

Financed a XXXX laptop at speedy cash on XXXX/XXXX/2016 and the computer had a virus on it right out of the box ... it encrypted my files and locked them so I could n't use them and asking {$500.00} to give them back to me. {$1000.00} if I wait a week to pay. The box was checked that said " allow this computer to be controlled remotely. It appears it was created XXXX/XXXX/2016 but the dates are hard to know if they are right on a virus. 
I told speedy cash and they said that they could n't replace the laptop and I needed to call the manufacturer. I called the MF and they told me it was speedy cash who needed to replace the computer. 
I lost important files forever and these were my internet marketing files that I use for work which Ive accumulated over a year and a half and my ability to work has been severly obstructed. I do n't know how to put a value on what my files are worth or if I can legally do anything about this ...? I know I did n't download anything or open anything to get the virus ... it was the second time I had turned it on.
Product: Credit reporting or other personal consumer reports

My credit is bad due to a data breach I have all kinds of unknown calls asking to pay debts I have no clue on
Product: Checking or savings account

I called on XX/XX/XXXX to discuss why there were reversal charges from USAA on my account. I was talking to a representative and was hung up on and not called back. I tried to call back again and was hung up on, again. I finally reached someone and explained how I had contacted USAA about fraudulent charges, been credited twice, only to find on XX/XX/XXXX that my account had the credits reversed ( X2 ). I also explained that USAA never reached out and that I was confused as to what was happening. The agent said they would be right back and placed me on hold for 48+ minutes for what should have been a simple explanation. We were then told that we didn't report these in a timely manner " per the guidelines '' when we were told when we were filed we could do it anytime. They also said nothing had been sent out to us yet. But yet chose to take back our funds anyways. Why would they close and reverse our funds over a timeline when we were told there is no timeline? 

They then said that our credits were done on different days and processed on different days even though we did this all in one evening. I asked why this was done across multiple days when we did this in one evening. They could not provide an answer for us. 

I then asked why this was happening with our charges across the board and with the fraud department that it makes it impossible to keep up with our home finances when our personal charges and even the company can't keep the dates right on their end. No explanation could be provided by the agent. 

I'm frustrated that USAA can't even provide an explanation for how their system is recording transactions and order transactions. They seem clueless about how the system is processed and can not explain it to their customers. This is unacceptable behavior by a bank when it is their job to manage funds. 

I have no next steps and I am at a complete loss.
Product: Vehicle loan or lease

I am close to paying off my auto loan with Santander Consumer USA. I have been watching my balance decrease until recently. The last few months I have noticed that my loan balance resets when my monthly statement is released. I also see that the maturity date on the loan is continuously extended. It was XX/XX/XXXXand now I'm told its XX/XX/XXXXI have paperless billing and I have been paying my monthly payment regularly. I don't get any assistance when calling Santander. When I call Santander Consumer USA, the CSR simply tells me that their records show no such discrepancy. I believe that my payment records are being deliberately altered and falsified. I recently printed my last five years of payment history and will continue to do print my balance statement until I find resolution. Please help me.
Product: Credit card

On XX/XX/year>, A hard inquiry was made for XXXX credit card. This account was opened fraudulently. I have never heard of this organization nor done any business with them ever. My mail was stolen which contained my drivers license. The thief opened an account. I did not authorize anything. My mailing address and physical address at that time was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have only XXXX phone number XXXX. My email ID has always been XXXX. I dont have any other phone numbers.
Product: Debt collection

Credit Collection Services is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee at Credit Collection Services showing we had a contract as well as the agreement between XXXX Credit Collection Services and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of Ml as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX XXXX in the amount of {$54.00}. I reached out to XXXX XXXX and asked do they sell debt they stated no ( I'm well aware of my XXXX laws ). I could sue Credit Collection Services for violating HIPPA laws. Credit Collections Services has violated multiple HIPPA laws and I have my lawyer on hand to sue Credit Collection Services for the violations of my medical rights. Also their information has not been reviewed by a lawyer.
Product: Debt collection

The collection agency is listed as " XXXX '' on my XXXX credit report. I have no idea what agency this is or what the debt is in regards to. I have disputed this collection with the credit bureau, but to no avail. How can I research this if I do n't even know the name of the creditor? Mysteriously, this debt showed up as I was applying for mortgage loans. I have done my due diligence in trying to get this resolved with XXXX, but they are perplexed as to who this agency is also. It is not fair that a " ghost '' collection agency can add derogatory items to my report without a proper name or a way for me to contact them.
Product: Debt collection

all debts were paid directly to the company that provides services. but I continue to receive letters about my debt, which is not there. the employee did not correctly connect the automatic withdrawal service
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 EXPERIAN 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 consists of XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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: Vehicle loan or lease

I paid off my Bank of America Auto loan in full on XX/XX/21 using a payoff quote provided to me by the bank. I receive a letter from the bank on XX/XX/21 confirming my payoff, title release card and the notification of the closing of the account. However, out of the blue, my account appears to have been reopened with a principal balance of {$99.00} and interest on top of that, without any explanation of why the account was opened again and the justification of the principal. 

XXXX Statement Summary : Ending principal balance : {$12000.00} Payoff balance : {$12000.00} Payoff good through : XX/XX/21 XXXX Statement Summary ( there was no XXXX statement ) Payment ( XX/XX/21 ) : {$9500.00} -- -- {$9500.00} towards principal and {$20.00} financial charge, i.e., {$2600.00} would be the remaining principal balance Payment ( XX/XX/21 ) : {$2600.00} -- -- this was based on the payoff quote giving by the teller, which would include the interest of {$0.00} for the 4 days ( XXXX ) Payment totals : {$12000.00} ( Note that this is just {$4.00} less than the XXXX statement payoff quote ) However, the XXXX statement has a new principal of {$99.00} and a payoff balance of {$100.00} which are not justified by any means. This is clearly an attempt by BofA to extort money/fee from unsuspecting customers. My fear, is that being a paperless customer, had I missed the emails and the fact that my account was reopened, I would have defaulted on the account for no fault of my own, impacting my credit worthiness potentially costing thousands of dollars in my lifetime and that is not accounting the time spent to resolve this issue and future issues that would have stemmed out of this. 

NOTE : the bank issued a case # : XXXX, acknowledged that the math does not add up, but has refused to accept or own the issue and has made vague promises of follow up but not necessarily resolution.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance : {$15000.00}
Product: Money transfer, virtual currency, or money service

No rules about sending money, sent money to incorrect person but they could not refund money
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a {$1000.00} loan with big picture loans.

On the XX/XX/XXXX I paid {$600.00} and a payment of {$390.00} was deducted by big picture loans. 

I thought I had paid back the {$1000.00} and was done with them. 

Unfortunately, on XX/XX/XXXX another {$390.00} was taken out of my bank account. 

I called and was told that I would get a refund of {$100.00}, because I still owed interest. 

I tried to check my balance online. I couldnt get into my account. Whenever I did manage to log in it said I owed XXXX dollars. Sometimes it said I owed {$96.00} or some other random amount. 

I would appreciate any help in resolving this problem and getting my money back. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. ( ITEMS TO BE REMOVED ARE XXXX AND XXXX WHICH WAS REMOVED FROM XXXX AFTER A PROPER INVESTIGATION )
Product: Checking or savings account

This Complaint is against Wells Fargo Bank. I have repeatedly requested over and over and over and over for Wells Fargo to not respond to Complaints with attachments. If attachments are required, then please mail me a hard copy of responses. I can not download attachments in my situation. Wells Fargo continues to respond to complaints with attachments- possibly out of Spite!!! They finally responded to several complaint, and of course, included attachments. I can not view the W. Fargo responses to complaints, nor can I give feedback, due to the fact, as Wells Fargo is well aware, I can not view attachments. For ( 17 ) months thus far, I have been trying to collect my monies lost by Wells Fargo through allowed fraudulent transactions, AFTER I had everything in place to prevent this. I can not even tell through their responses, how much money recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account number 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: Debt collection

Had Identity theft around or during time frame of said account. midland collections will not what so ever send any forms /paperwork to me when said account was open with credit XXXX with my signature that can prove that I did such a thing.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am NOT a 3rd party.I am submitting this complaint on my own behalf. 
XXXXXXXX XXXX-ACCT # XXXX {$820.00} XXXX XXXX XXXX-ACCT XXXX XXXX {$1200.00} I disputed the above referenced accounts on XXXX XXXX as fraudulent and attached a FTC report and a police report . The credit report of TRansUnion shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in cases of disputed accuracy ( 15.U.S.C. 1681 ) Requirements relating to re-insertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ) A ) is re-inserted in the file, the consumer reporting agency shall notify the consumer of the re-insertion in writing not later than 5 business days after reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information as part of, or in addition too notice under clause ( I ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date, ( I ). a statement that the disputed information be reinserted. 
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the re-insertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers ' file disputing the accuracy or completeness of the disputed information. 

I RECEIVED NO SUCH INFORMATION.THIS IS A SERIOUS VIOLATION OF THE FCRA, AND I RESERVE THE RIGHT TO PURSUE FURTHER ACTION. I DEMAND THAT YOU IMMEDIATELY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT IN ORDER TO AVOID LEGAL ACTION. I WILL ALSO FAX THIS TO THE CONSUMER FINANCIAL PROTECTION BUREAU. 

PLEASE NOTE THAT I HAVE OPTED OUT IN WRITING TO YOUR FORCED ARBITRATION TERMS AND AM WILLING TO SEEK LEGAL RELIEF. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Business Credit has unauthorized credit inquiries on my personal report on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked experian to remove them and they will not. I do not have a relationship with Experian Business Credit.  Sent ceritified mail XX/XX/XXXX. Replied with file # XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with a collection account as they are providing inaccurate and incomplete information. The account should not have a balance as they are reporting. Additionally, I suspect they may be violating HIPAA laws.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT APPEARS TWICE ON MY CREDIT SHOWING XXXX  XXXX AND ALSO SHOWING XXXX XXXX. {$460.00} BALANCE. 

I have written THE CREDIT BUREAU & XXXX XXXX XXXX XXXX numerous times to exercise my consumer rights of validating the debt that is being reported and affecting my consumer report. Per 15 U.S. Code 1692g - Validation of debts, If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector I am filing a complaint against THE CREDIT BUREAU AND XXXX XXXX XXXX XXXX XXXX  to dispute the validity of the debt that has continuously been attempted to be collected by me. I have decided to file a complaint expressing my concerns regarding potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically under USC 1692g, which governs the validation of debts.

I am well aware of my rights under the FDCPA, and I assert my right to dispute the validity of the alleged debt and to request the verification of this debt as stipulated in USC 1692g. Please consider this letter as a formal dispute and request for validation of the debt. I dispute the debt as follows : XXXX : XXXX REASON : 15 U.S. Code 1692e - False or misleading representation INSTRUCTION : PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. YOU ARE VIOLATING 15 U.S. Code 1681e - Compliance procedures Lack of Sufficient Information : Your initial communication this month failed to provide adequate information to enable me to determine the validity of the debt, including the name of the original creditor, the amount owed, and the nature of the debt. Incomplete or Inaccurate Information : The information provided in your subsequent communications has been inconsistent and incomplete, further hindering my ability to assess the legitimacy of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # 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 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

Dear Bridgecrest, This letter is to dispute an incorrect closed account on my credit report that is listed as closed and past due with your company.

I am writing to dispute this account because the Fair Credit Reporting Act ( FCRA ) states that information on my credit report must be accurate and up to date. This account was closed and fully paid more than seven years ago, which is the maximum amount of time a negative account can remain on my credit report. Additionally, the collection date on the account has already expired, so even if the account was still open, it would not be reported to the credit bureaus. 

I am requesting that you immediately remove this account from my credit report in order to comply with the FCRA. Please provide written confirmation that the account has been removed from my credit report within thirty days of the date of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX