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

Hello, On XX/XX/XXXX, I executed a transaction with options to buy at XXXX XXXX IMPORTS, XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX with XXXX XXXX finance manager. The next day XX/XX/XXXX. I returned the car after realizing certain disclosures regarding the finance charge, recission, and other charges. Seeing that the finance charge is the total sum of all charges. I was mislead and lied to. The manager told me i was incorrect and insisted that I could not just leave the car the day before he had shown me his personal firearm so i did not persist. I instead took of the idea of sending a letter certified mail to AMERICAN HONDA FINANCE, XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX who had obtained my consumer report without my knowledge. Being that I secured the full amount already. XXXX XXXX XXXX also appeared on my file. For one year written communication occurred where I accepted their position but insisted that in was invalid and incorrect. I requested the documents they had showing which was ignored. on XX/XX/XXXX, a wrongful repo occured by XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX where the peace was distured and the agent was irate and was instructed my police to remain calm. A report was filed. A letter asking for the return of the car was sent. On XX/XX/XXXX, XXXX called me where he explained that I was wrong and hung up before I could get a word in.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Information Pursuant to Section 605B of the FCRA XXXX XXXX XXXX Account # xxxxxxxx XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to dispute fraudulent information on my credit report that has resulted from the recent Equifax data breach. As a victim of this breach, I am requesting the removal of all fraudulent accounts or information listed under my name, in compliance with Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Under Section 605B, I am entitled to request that any fraudulent information resulting from the breach be removed from my credit report within four days of this dispute. Therefore, I am requesting that you : 1. Immediately remove any fraudulent accounts, inquiries, or other information related to the Equifax breach from my credit report. 
2. Provide written confirmation that these entries have been removed in compliance with the law. 

As required by the FCRA, I ask that you process this dispute within the legally mandated four-day time frame. Please confirm in writing that these changes have been made and provide me with an updated credit report reflecting the correct information. 

Thank you for your prompt attention to this matter. I look forward to your promptly response. 

Sincerely, XXXX XXXX SSC # XXXX XX/XX/XXXX
Product: Mortgage

First American Title in XXXX did the title work for our mortgage refinancing. We 've moved to Florida and planned to do closing here. We were looking at closing during XXXX week. After the bank issued our Closing Disclosure, I called the title company to ask about wiring the money we owed at closing a day early in order to avoid any problems with the holiday. She agreed that was probably a good idea to be safe. I went to the bank immediately, and wired the money. I emailed the closer at the title company when I returned to let her know the wire had been sent. Two hours later I got a call from the bank asking my permission to modify my CD. The title company did n't realize we needed a remote closing and now wanted to charge an additional {$160.00}. I know the CD has to be accurate and that it was too late to ask for that money ( besides, I did n't have any more to pay! ). The bank escalated with the title company, but they refused to waive the fee. I was told that either we paid the fee or they would n't do the closing. Had I not already wired the money, I would have gone to a different company. The bank tried everything to work with the title company, but they would not budge. At one point, a member of the bank staff told me, " They know this is against the law, but they do n't care. '' I 'm filing a complaint because they broke the law by demanding an additional fee after the CD was issued.
Product: Credit reporting or other personal consumer reports

I am following up with my complaint from XXXX/XXXX complaint number XXXX Which I stated before, the information on the documents I provided to Equifax is incorrect and inaccurate. Equifax repeatedly did not properly verify/investigate the files I presented. They also sent me XXXX documents in the mail on the same day, XXXX saying that they will not investigate the XXXXXXXX XXXX account because it has been verified and accurate which is false. And the other letter saying that they could not find my credit file. This is a huge red flag and a contradiction. I have attached my identification documents also all these letters and evidence to prove that these following accounts are not accurate or verified properly. This transaction started on XX/XX/year> so Im still monitoring the time frame. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That is a CLEAR VIOLATION of law 15USC 1681e ( b ) Please correct information or remove these incorrect and inaccurate accounts from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and it was discharged 7 months ago. I reaffirmed on my loan with XXXX ( XXXX XXXX XXXX XXXX ). I have made payments the entire time along with their website showing payments continued from XX/XX/17 to current. I went to trade the car in yesterday and the dealer said all the bureaus are not showing that I'm making car payments on the loan in any of the car part of the bureaus. It shows that the car was included in the BK. It needs to show payment history. This needs to be backdated to show I have been making payments. Since I have been working hard to rebuild my credit this is the only thing holding me back from making the trade yesterday that would have paid XXXX off and made me non upside down. Great way to help me get back on track. All that hard work thrown out because someone is not reporting accurately.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Debt collection

According to fcra collection agency need to provide legal documents that prove I am legally responsible for this debt. I require them to send me the signed agreement with my signature on it
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items 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 ITEMS. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

When XXXX XXXX switched to Flagstar in XXXX 2019 I entered the local branch to inform the bank I would be closing my account. The teller suggested that I wait to see if there were any reoccurring transactions for the month of XXXX to might come through before I closed the account. I had 2 transactions that came through and went to the branch to make a deposit of {$200.00} dollars to make the account current and close the account ( This was XX/XX/2019 ). It was my belief that this account was closed and everything was fine. Again this was XX/XX/2019. There have been no communications or anything from Flagstar. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX, a debt collection firm, in an effort to collect a {$170.00} debt from Flagstar Bank. Flagstar was charging the account i wanted to close and charging me $ XXXX/day for 30 days. I paid the credit agency the money owed because I did not want anything on my credit and contacted Flagstar cooperate office for an explanation and possible refund. Cooperate office told em that the charges form the local branch should have been written of and at the very least should have contacted me. None of which happened. The FIRST and ONLY communications regarding an open account or negative balance ( because of monthly maintenance fees ) came from the collection agency. Cooperate office directed me to call my local branch to have the situation resolved. I spoke with an associate of the branch ans she said she would do research and get back with me. She called me back and had no answers for most of my questions. She could not understand why the branch had made no attempt to contact me. She indicated that there is no record of me entering the branch ( despite the fact I made a deposit in XXXX to cover the charges ). There are multiple issues with these banking practices. First, I never agreed to have my XXXX XXXX account switched to Flagstar. Therefore any of the policies that they decided to impose on me were not of my own free will nor do they have any signed documentation saying that I agreed to said policies. Secondly, I wanted the account closed, and it was never closed. Finally, the bank continued to charge my account fees and overdraft based on those fees. I did not charge anything nor was anything charged to my account other than the maintenance fees imposed by Flagstar. By no accord of my own, Flagstar over-drafted my account and then began charging me {$6.00} dollars a day for the next 30 days before selling off my account to a collection agency. In addition to malicious banking practices, they still have not explained to me how/why XX/XX/2019 is the first communication I received regarding any of this.
Product: Debt collection

I was shopping inside a mall and my wallet was stolen out of my purse. Everything was inside my social security card and my non drivers license. Now that I am looking at my credit report I see this on here and I 'm confused because I 've never applied for this credit line. I want to figure out a way to dispute this charge.
Product: Money transfer, virtual currency, or money service

You can no longer use PayPal After a review of your account activity, weve determined that youre in violation of PayPal 's XXXX XXXX XXXX. Specifically, the sale of XXXX oriented materials or services. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds.If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds.

If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX That's the message in my account. I'm a long time customer and I do business solely using paypal. Banning my account impacted my whole life since this was my source of income since XXXX this year. They banned me around XX/XX/scrub>XXXX XXXX XXXX  without any solid evidence why I was tagged that way. I've communicated and even filed a complaint at XXXX still no progress. They kept raising my monthly limit even though I can't use almost all of the accounts payment features.
Product: Payday loan, title loan, or personal loan

This is for one main financial. This situation started around dates of XXXX to XXXX. One main has over abuse their power. I on XXXX XXXX i was badly injured at work, which lead me to being in a worker 's compensation case and out of work do to severe XXXX  and XXXX  injury that had occurred. One main consistently called during a time of distress for me stating they was collecting debt of XXXX {$7500.00} XXXX. I explain to them i was in a injury case was not working. The representative then stated in my contact i had insurance on the loan, and i could apply it, till further notice. No insurance was ever implied, threaten to garnish my pay, sent me a summos to a judgement on my name if i dont pay the full balance of now which is XXXX. Can somebody assist me please.
Product: Credit card

I have been making payment on my Continental Finance Surge Card account the entire time I'd had it. I recently experienced where XXXX had some sort of payment Glitch with there system preventing payments from going out. In fact, XXXX stated that they never received the request from me, but it shows on the end of XXXX. I then switched my method of payment to my XXXX  XXXX XXXX account, and now payments are successful. XXXX closed the account as a result to the payments not going through from XXXX and demanding documentation from me by XXXX explaining what had happened. I supplied the documents and they have failed to re-open my account still at this point.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

Phoenix Financial Services in IXXXX, IN attempted to collect a {$50.00} XXXX debt for a local provider for a XXXX test. The provider admitted they mistakenly referred the collection to Phoenix and asked them to remove the collection from my credit report. I emailed Phoenix on four occasions and they have not yet removed the item from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXUS IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.
Product: Vehicle loan or lease

One main financial said they would give me {$4000.00} for the loan and decreased along due to the year of my vehicle it first I told them 2000 XXXX XXXX car cab they said yes but then changed it.
Product: Credit reporting

I applied for credit cards with XXXX and was advise soft pull. But I have XXXX or more inquries on credit file and with XXXX they are showing all inquries the same day with equfiax, XXXX and this can not be true and some stores more than once and I was approve for the credit card. I receive this address from XXXX and they advise me to file a complaint and maybe they will be remive. 
Also I file bankruptcy back in XXXX and listed all my old accounts due to excessive hospital bills and listed XXXX XXXX account in collection and XXXX and XXXX and all XXXX receive the notice regarding bankruptcy. They have theses account on my credit file as collection accounts and when someone review my credit file they show I still owe balance which is in correct. I have written to them contacted them by phone. I advise them even if the accounts were in collection they were included in bankruptcy and the need to be status correctly. 

I hope you all can help me I. This matter as I am trying to rebuild my life after years of XXXX back in XXXX. Lots of hospital stays, dealing with XXXX.
Product: Debt collection

Dear XXXX XXXX XXXX ( Citibank/The Student Loan Corporation ) You illegal tactics involving private student loans XX/XX/XXXX-XX/XX/XXXX is being investigated. Today the CFPB and congress has struck down the binding arbitration rules. I will file a criminal complaint against you, you have been going into my credit files and selling my information to debt collectors. You need to re-validate and check the payment history on the student loan. These loans where securitized, and have been written off at some point in time. You have no claim and authority to proceed with collection activity. The original note has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an alert that there was a new account reporting delinquent to my credit from XXXXXXXX XXXX. They advised of an account with Midnight Velvet. I have never heard of this company at all and have no relationship with them now, in the past, or ever. I disputed this with transunion and they completed the dispute in less than 2 weeks, saying item valid and to remain on my credit report. 
Lastly, this is upsetting due to the fact that the credit reporting agency and XXXX XXXX in turn advised me that my information has come up on an internet breach so they should have looked into this matter much further. 

I have attached a copy of the alert for my information being breached as well.
Product: Debt collection

Collection Service of Nevada ( XXXX ) XXXX contacted me stating I was being charged {$3500.00} for libelous content posted on XXXX against XXXX XXXX. However, in the contract, it states that if I were to violate the contract as determined by XXXX XXXX ( XXXX ) in its sole discretion, I would be provided 72 hours to retract the content in question. Until the collection agency billed me the {$3500.00} plus interest I had never been contacted by anyone about this content and no one had ever responded to the comment made on XXXX. Since receiving the bill from the collection agency I have removed the comment but did so without accepting guilt as the comment made was true and factual. I have asked that they remove the debt as I was never properly notified and they continue to send me billing notifications.