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

There was an addendum on the file sales prices and I have the esigned addendum indicating the contract price. The dealer sold the contract to service finance for a large principal balance then the sales contract addendum indicated. The dealer XXXX XXXX XXXX refuses to correct and service finance will not change anything without the dealer acquiescence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I sent the attached letter ( XXXX XXXX  XXXX letter ) to XXXX XXXX  detailing inaccuracies they are reporting to XXXX, XXXX, and Experian. Under section 623. ( a ) ( 8 ) of  FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but XXXX XXXX is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a  person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case XXXX XXXX  was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.
Product: Credit reporting or other personal consumer reports

Information reporting on my credit report is incorrect! In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights Section 605B. It is illegal to report information on my credit report without my permission. A charge off is being reported on my credit report which I haven't received a 1099 c form stating that the debt is cancelled. If the debt was cancelled why is there a balance on my account which is reporting as income on my credit report which is illegal!

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$22000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX Payment history 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  Current / Terms met 30 Past due 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit collection fromXX/XX/XXXX of the amount of {$310.00} it was reported from a collection company called sequium there phone number is XXXX they never answer the phone same as att Ive been on the line for more than hour to get details on this charge that has never came to my attention or been contacted about I cant get it resolved the last account I had with them has been paid in full and closed with all equipment returned
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon challenging XXXX XXXX XXXX - XXXX ; account XXXX, Transunion and XXXX did not properly verify all reported information being accurate. But how is that possible if the Last reported is inaccurate, Date of Last Activity, Date Opened is inaccurate and Date of last payment is inaccurate. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true Once again I am requesting the information you used to verify this account in writing. Ive asked for this information several times but Transunion has failed to provide any documentation. Once again please provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX - to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' Also In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$8700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Product: Vehicle loan or lease

Credit acceptance gave me a loan for a vehicle that did not last 3 months. The warranty they provided was useless. They repossessed the vehicle sold it for {$7500.00} the vehicle had no engine in it because it was being repaired the vehicle was valued at {$9000.00} some how i owe them {$7700.00} for a suv that was worth less. I puts down {$4600.00} as a down payment. They have not provided any details about the original contract and they closed the account on my credit using tactics to bully me to pay for a vehicle that otherwise should have never been sold. They have multiple lawsuits in New York and other states. Any investigation into this fraudulent company will determine they should not be allowed in Virginia. Credit acceptance should be prosecuted for violations against the people. They have not complied with my request for the original contract they refused to negotiate and are rude. They have violated Fcra deliberately and no one can do anything about it
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 confidentially under 15 USC 1681. 

ACC NAME : XXXX XXXX  # XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX # 15 U.S.C 1681 section 602 A.States i have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my wriiten 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 consmer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

It has been over 75 days since I have applied for a construction loan with First National Bank. After providing all of the required documents, I received a preliminary approval for my construction loan. After getting pre-approved, I provided my construction drawings and after receiving an appraisal - I was given the green light to move forward since the appraisal came significantly higher than the total loan amount. In every communication with my loan officer, I and my husband either met or exceeded the criteria for Loan-To-Value, appraisal value, credit scores and assets. Due to a change in staffing, I was required to explain large financial transfers in my banking account in the form of a letter. In this letter I explained my surrogacy costs and personal future plans to explain my current financial situation. After revealing this information I was denied for a " layered risk '' and then told that the denial shouldn't have gone out to me. Like many families, I am including my parents as an co-signer because they have plans to move in with me. I have included an elevator in my home for that reason and like many XXXX families - the plan is to all live together in our home. As of the date of the submission, my loan still has not been adjudicated and I continue to incur costs because of the construction delays. I am concerned that the reason for the delay is discrimination based on sexual orientation and ethnicity since the underwriters have not been able to articulate to my loan officer why the loan isn't being pushed forward. I have been told time and time again that I meet all the criteria for the loan.
Product: Debt collection

Debtwebex is tiring to collect on an 19 year old debt and from exempt funds from my DECEASE father these people are crazy there dunning letter has none of the required wording in it as to state the statute of limitations there XXXX XXXX debt collection licensee the amount of debt whom the debt came from saying that they will report the past 19 year old debt to the credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX NATIONAL CREDIT ADJUST XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owe students loans for a school that closed down. And I wasnt able to complete my degree in XXXX. This has affected my credit for years and my check was garnished.
Product: Checking or savings account

XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANK NO ESTA CUMPLIENDO CON XXXX POLTICAS DE {$0.00} XXXX DE XXXX A XXXX XXXX DE XXXX DE XXXX XXXX QUE XXXX XXXX DE XXXX XXXX QUE MI XXXX XXXX XXXX XXXX A MI XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX QUE FUE XXXX DE MI XXXX DE XXXX XXXX XXXX XXXX XXXX A VER VISTO EN XXXX XXXX QUE REALICE XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX DE MI XXXX DE XXXX XXXX AL XXXX XXXX XXXX DE XXXX AL XXXX DE XXXX XXXX DE QUE HABIA ACTIVIDADES XXXX XXXX MI XXXX DE CHEQUE XXXX DE XXXX AL XXXX TD BANK PARA CANCELAR Y REPORTAR XXXX XXXX QUE XXXX XXXX DE XXXX XXXX XXXX PROCED A CAMBIAR XXXX XXXX DE XXXX PERSONAL YA QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX QUE DICE QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX PERSONAL QUE XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX DE XXXX PERSONAS Y YO XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE SER PROTEGIDO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CUMPLIR CON LA XXXX DE {$0.00} XXXX DE XXXX A XXXX CLIENTES DE TD BANK. XXXX XXXX XXXX XXXX. 

XXXX DE XXXX XXXX {$5400.00} XXXX NMERO DE XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX doing business as XXXX XXXX XXXX XXXX  reported a fraudulent account number of XXXX on my credit report and I did not sign nor authorize this. There is an active dispute with them since XX/XX/22 as well as a cease-and-desist letter, but they are still reporting inaccurate, unverified information while the dispute is active. I have asked for validation several times and they refused to validate their alleged claim. I asked them to show authority to collect and proof I owe a debt. They have not proved that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was alerted by Experian, XXXX, and XXXX that XXXX XXXX XXXX put a {$270.00} Grid C collection on my credit report. This collection account is unknown to me. I've sent verification letters to XXXX XXXX XXXX asking them to verify with competent evidence that I have any legal obligation to pay them. I requested the following : What the money they say I owe is for, to explain and show me how they calculated what they say I owe, to provide me with copies of any papers that show I agreed to pay what they say I owe, to provide a verification or copy of any judgment if applicable, to identify the original creditor, to prove the Statute of Limitations has not expired on this account, to show me that they are licensed to collect in my state, and to provide me with their license numbers and Registered Agent or Agent of Service. 

By law, they can not " certify '' to the bureaus that any of their information is correct until they provide me with the requested proof. I explained that during my dispute with Experian, and Experian dismissed by dispute and stated " the company has certified that this information is correct. '' Additionally, consumer law 15 U.S CODE 1861 ( b ) : PERMISSIBLE PURPOSE OF CONSUMER CREDIT is being violated by the company and by Experian because they did not get my permission to report on my consumer credit. I demand that it be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX XXXX, stating that I owe them an alleged debt. So I send them a letter asking to validate the alleged debt they claim I owe. In my letter, I asked them to provide me the following : 1. Name and address of alleged creditor.

2. Name on file of alleged debtor.

3. Alleged account # 4. Address on file for alleged debtor 5. Amount of alleged debt.

6. Date this alleged debt became payable.

7. Date of original charge or delinquency.

8. Was this alleged debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased.

10. Commission for alleged debt if collection efforts are successful.

In my letter I also ask for the -Agreement with their client and grants XXXX XXXX XXXX XXXX the authority to collect this alleged debt. 
XXXXSigned Agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

-Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

-All statements while this account was open. 
-Have any insurance claims been made by any creditor regarding this account? 
-Have any judgment been obtained by any creditor regarding this account? 

In my letter I also ask for the name and address of the bonding agent for XXXX XXXX XXXX XXXX in case any legal action becomes necessary. 

I also stated in my letter that if XXXX XXXX XXXX XXXX fails to provide me with any of the above request, then all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

On XX/XX/2021. I received a respond from XXXX credit management to my request of validation letter. They did not provide me with any of the above request I asked and all they responded was that their records are accurate. Since they can not validate this alleged debt, they were not able to prove that this alleged debt belongs to me and therefore, this alleged debt must be removed from my credit report.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


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 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

I disputed the public record on my credit report as it is reporting an inaccurate dollar amount i provided proof of the dollar amount that it should be showing and that the debt has been paid transunion and experian will not update correctly. I asked both credit bureaus for information as how the investigation was conducted, I was advised that they do not investigate they ask the creditor to do so. I do n't understand how you can ask someone that is reporting the wrong information to investigate and the dispute was filed with the credit bureau. I was under the impression that the credit bureau would do an investigation. I have spoke withthem several times by phone online disputes asnd certified and us postal mail and no corporation to get this updated or removed
Product: Mortgage

I received a second mortgage from Bank of America in XXXX. I had problems paying the mortgage in XXXX. I applied for a modification. They kept asking for documentation. I kept sending in the required documents and they never gave me a modification. I could not pay the loan. They would not negotiate any payments. BOA wrote it off as a charge off and now they have assigned it to a collection agency for $ XXXX. I am current on the first mortgage which was modified in XXXX.
Product: Mortgage

I have a loan with an interest rate 10 % I had a shoulder injury and was out of work for two months. So. I called citi started a loan mod it was excepted with a new payment of XXXX with a 3 month trail payment. Then 1 1/2 year later the called me and asked for another loan mod. I did n't understand why but still making my payment of XXXX. Then 6 months a go they sent me a letter that lowered my payment to XXXX due to over payment in escrow. Now the say that I 'm XXXX pass due that 's not the case. I 'm now trying to get them to tell me how 's been cashing my checks. That in line with Fraud.
Product: Checking or savings account

I have a savings account with USAA that I can not access. 
I need a certified check because the bank no longer has branches in VA, I changed my cell number, and the authentication requires a security code be sent to the phone number in my profile. 

I have gone through the prescribed process of submitting my drivers license through the USAA.com/verify site 5 times and reached out to the bank for the past XXXX weeks. 

I need to make a payment and have not received help from the bank. I have an ATM card from the bank that does not meet their requirement for verification purposes because the card does not have the security code. I need to gain access to my account. I now have a URGENT need for funds.
Product: Payday loan, title loan, or personal loan

The interest I am being charged wasn't disclosed. I recently found out that the interest rate is 49 %!! I would never have taken the loan had I known. Is this even legal?
Product: Debt collection

I receive multiple telephone calls from XXXX from ( by the accents ) an overseas call center. I believe the company from online searches is Allied Interstate. I can receive 4 or 5 calls in a day. 

The person they are searching for is an XXXX XXXX. I do not know this person, nor have I had anything to do with this person. 

The number they are calling has been my personal number for 17 years. My voice mail greeting now state the facts of who I am, and I do not know this person along with a request that they remove my number from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my Transunion credit report that were not authorized. I contacted each company and Transunion directly and received no acknowledgment or cooperation in removing the inaccurate inquiries. I believe I might be a victim of the Transunion data breach regarding the reporting and reinstating inquiries. The inquiries in dispute are listed below : XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Mortgage

Nationstar said we owe more then we do then they dropped our home owners & sold our loan to another company
Product: Checking or savings account

XX/XX/year> @ XXXX @ XXXX XXXX  XXXX XXXX XXXX va XXXX The amount of $ XXXX the atm did not dispense the money : the atm company and the place I tried to get it confirmed it was not dispensed. I called and asked for the form they said I had to dispute it I did they declined it. They also said they didnt know about the form. Called again after they declined it and still say they cant give it to me.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.