23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Vehicle loan or lease

I am filing this complaint against Credit Acceptance Corporation for failing to provide essential documentation related to the voluntary surrender of my vehicle. Credit Acceptance is inaccurately reporting a " Voluntary Surrender '' ( VS ) on my credit report, and despite multiple requests, they have not supplied the necessary documents to substantiate this reporting. I believe this lack of documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and possibly other consumer protection laws. 




Requested Documentation Not Provided : I am requesting to Credit Acceptance for the following documents, which are essential to verify the reporting and understand any remaining obligations : Original Contract : To confirm the terms and conditions of my loan agreement. 

Full Payment History : To verify that the payments I made were accurately recorded. 

Notice of Default ( if applicable ) : To verify that Credit Acceptance followed proper legal procedures in notifying me of any default. 

Notice of Sale : To confirm whether the vehicle was sold and the details of the sale, if applicable. 

Explanation of Calculation of Surplus or Deficiency : To understand the calculations used to determine any surplus or deficiency resulting from the sale of the vehicle, if it was indeed sold.

Notice of Retrieval of Personal Property : To verify that I was given proper notice and an opportunity to retrieve any personal items from the vehicle before it was repossessed or sold. 

Consumer Rights Violations : By not providing this information, Credit Acceptance may be violating my rights under the FCRA, which mandates accurate reporting, as well as any applicable state laws governing the repossession and sale of collateral after a voluntary surrender.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX Formerly XXXX Account no XXXXXXXX XXXX XXXX XXXXXXXX. Account no XXXX XXXX XXXX, XXXX Account no XXXXXXXX XXXX XXXX  account no XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Mortgage

I got out of the forbearance, when I became eligible for a flex modification in XX/XX/2021. I had contacted XXXX or XXXX XXXX about the company Shellpoint Mortgage who said even though I'm in a flex modification I'm not eligible for the flex interest rate. Ive done all the steps and thought this was to make my mortgage affordable since I'm without full-time work
Product: Money transfer, virtual currency, or money service

My PayPal account was closed on XX/XX/2022, without a crude reason. I have been using the service for the last two months without an issue, until they permanently limited my account on the stated date. 
The company has caused inconveniences in the plans I had for the week and the pending bills I had. The decision the company took was unfair and unexpected. The account had {$39.00} plus the other pay I was expecting from the website of XXXX XXXX which I've been working for ; from early XXXX, 2022. 
The limitation to my account I think it wasn't a very fair move, despite the fact I confirmed all the documents the company asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I DO NOT VALIDATE THIS DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stating Navy Federal # XXXX is reporting my account as Refinanced and that's not true. The loan was " PAID IN FULL '' and " PAID OFF '' early, so why would it be reporting as refinanced. 

XXXX Status states " Paid Satisfactorily '' the loan was paid in Full. Navy need to ensure XXXX is reporting this information correctly as it affects my credit profile.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. My lease was for 36 months or for XXXX miles whichever comes first. I paid off the entire lease amount up front when I signed the lease contract. My lease contract shows the details. Because I used the car a lot, I had to return my car early in XXXX because the car gained almost XXXX miles. About 2 to 3 months ago, I received a billing statement from GM Financial. The statement says I owe {$660.00}. I called GM Financial to find out what the amount was for. I was told that {$390.00} was for " disposition '' fee and the rest was for XXXX tax for the disposition fee and some interest which they couldn't even explain to me. I paid the disposition fee of {$390.00} online, however, GM Financial insisted me to pay the state sales tax for the disposition fee. I never heard of imposing state sales tax on the disposition fee. In fact California 's " Regulation 1660 -Leases of Tangible Property - in General '' shows that sales tax should not be imposed on a leased vehicle. I emailed a copy of my lease contract to show I do not owe any money besides the disposition fee. GM Financial told me they will have to review my case. After a day or two later I found out that GM Financial reported to credit bureau that I have a delinquent payment. I've been maintaining excellent credit, however, due to their report to the credit bureau, my credit score plunged. GM Financial didn't even inform me that they were going to report to the credit bureau. I called to complain but they told me pay off the rest of the amount ( XXXX ). Again, I told them to review the documents I sent via email. They told me that they would review and let me know. I received another billing statement about XXXX weeks ago showing that I owe {$260.00}. I called GM Financial again on XX/XX/XXXX and ask them to explain to me what the charge is for. The person who answered my phone informed me that her manager would call me in the week of the XXXX of XXXX. Today, I received an email from my credit card company saying my credit score has gotten worse. My credit score dropped to 600 range. I was keeping at 800 range all the time, but GM Financial, without notifying me or giving me any details for the billing statement, reported me to the credit bureau for delinquent payment. I am really upset and this is totally unfair. How can GM Finance reported me to the credit bureau for delinquent payment while I was disputing the charges ( general excise tax on disposition fee and interest fee they couldn't even explain to me ). 
My lease contract clearly shows that I paid off the entire leasing amount. I don't owe any money to GM Finance. GM Financial should revert the action by recovering my original credit score. 

Thank you.
Product: Credit card or prepaid card

I have been a victim of a horrible crime, whereby I was XXXX XXXX forced to reveal my phone passcodes and authentication information while visiting in XXXX XXXXXXXX XXXX  As a result of this I lost access to my apple XXXX account and thereby access to my AppleCard by Goldman Sachs account. 

I had an installment plan for my XXXX XXXX and since I had lost visibility into the account, I attempted to pay it off early by making a payment of what the CSR indicated was the balance of the loan of {$370.00}. This payment cleared my bank on XX/XX/2023. 

After this payment was made, and I attempted to close the account, I am told by another CSR that I have a {$98.00} balance, which I reluctantly paid. When I asked for a detailed ledger of the payments made to the installment plan in question so that I could reconcile the total amount and whether I am paying the right amount or overpaying and I was not able to receive a ledger nor any clarifying information, even by escalating to a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Credit report contains an unauthorized inquiry from XXXXXXXX XXXX XXXX  DATED XX/XX/2022. I have been a victim of Identity theft, this has been reported to equifax and this needs to be taken off my credit report. I have called Equifax to dispute this and i am also reaching out to the consumer financial bureau.
Product: Mortgage

My homeowners insurance policy was set to expire on XXXX XXXXXXXX XXXX. My mortgage company mailed a check to pay for the policy on XXXX XXXX, the policy was cancelled and the insurance company said they could not reinstate it, I would have to apply for a new policy. I applied and the new policy is {$750.00} more per year for less coverage. 
My mortgage company says there is nothing that they can do, but they were very sorry.
Product: Debt collection

XX/XX/XXXX I got XXXX  credit report in mail. CREDENCE RESOURCE MANAGEMENT was on my credit stating I owed {$1500.00} for XXXX  bill back in XXXX I called to ask why didnt I receive any notification of this. They acted as if they could not understand me it sounded like the lady was XXXX. The lady told me they could sue me in court and collect more. I asked if they knew about the CARES ACT and by law they could not put on the account that this account in question was opened XXXX!! It was a 6-8 year old account. And I was affected by the CARESACT. CREDENCE RESOURCE XXXX XXXX XXXX has caused me great stress and I am a XXXX veteran and take medication for XXXX XXXX XXXX. This has also caused my credit to go down 52 points!! They are breaking the law
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my ex-spouse purchased a vehicle with a XXXX XXXX XXXX XXXX loan and put me as a co-signer on the loan. He defaulted on the payments, and the vehicle was voluntarily repossessed in XXXX with an outstanding balance. XXXX XXXX sued for the outstanding balance, and on XX/XX/XXXX, I settled in court for {$4500.00}. The court order stated that XXXX XXXX would clear the derogatory remark from all the credit bureau agencies upon my final payment. I paid off the settled amount on XX/XX/XXXX, and confirmed with XXXX XXXX that my debt is settled and the account and case are closed. Their manager informed me that they would notify the credit agencies that the account is paid and closed and remove the derogatory remark. However, XXXX XXXX continues to report that account as derogatory monthly to the Experian credit agency. I filed multiple disputes through Experian with the attached court order and legal documents showing that I paid the settlement in full, and this account should be closed and marked as settled. However, XXXX XXXX denies the disputes and reports the account as derogatory on my Experian credit report. I called XXXX XXXX multiple times to resolve this, but no one ever returns my calls and voicemails or tells me they will leave a message for the manager. I've contacted Experian to try and resolve this on their end but was informed that they could not do anything if XXXX XXXX reports the account as derogatory. The negative remark affects my credit score, I am denied new credit and have to pay a very high interest rate. I am also unable to obtain a mortgage because of this remark. This is the only negative remark on my credit, and it continues to impact me even though I settled and paid off the debt with XXXX XXXX, which refuses to follow the court order.
Product: Payday loan, title loan, personal loan, or advance loan

I live in XXXXXXXX XXXX XXXX In early XXXX of XXXX, I applied for a " XXXX XXXX '' loan with Sallie Mae online. The loan application was approved and the loan disbursement was mailed XXXX business days later. However, I never received the " physical check '' in the mail. In the days before and after XXXX, I was a victim of identity theft, with my Bank Accounts at XXXX XXXX drained. As part of this elaborate scheme, the Sallie Mae check was used to create a fraudulent account at a XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This was the same bank that processed the withdrawals from my bank accounts. 

When the fraud was discovered, XXXX XXXX immediately froze the fraudulent account. However, their investigation into the account was only completed on XX/XX/XXXX. XXXX XXXX 's stance is that they need Sallie Mae to request a return of funds from them. Then, XXXX XXXX will send the proceeds of the " XXXX XXXX '' loan ( {$15000.00} ) back to Sallie Mae. XXXX XXXX claims they need the matter resolved by XX/XX/XXXX, or else the funds will be converted to a " unclaimed property account '' for some unknown state. ( probably XXXX  or XXXX  ). 

I called Sallie Mae on XX/XX/XXXX and informed them of the fraud situation, and I was told this was a matter that would be referred to the " back office. '' I have called Sallie Mae repeatedly, incurring as to what they are doing about the check that is frozen in a XXXX XXXX account. Generally, their stance has been : " we mailed the check ; we've completed our end of the agreement ; this is not our problem. '' However, I never received the check. Most recently, when informed of XXXX XXXX 's stance on needing a " return '' request, Sallie Mae was once again uncooperative. The entire time, Sallie Mae has been charging me interest on loan proceeds that I never received. In doing so, I believe Sallie Mae is in breach of our contract according to the loan agreement and Article three of the UCC. I am filing separate complaint against XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurate and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. There was definitely an error. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I was alerted of not enough funds for an XX/XX/year> auto payment to merchants and I was given a 1 day grace period, the email was sent XX/XX/year> @ XXXX am, I read that email that night and immediately went through my XXXX and vendor accounts searching for funds to pay this, I came up with half but deposited anyway. I woke up this morning to numerous notifications about overdraft fees and everything and was over {$90.00} negative on my account. What good is a 1 day grace period if you don't even tell the customer about it until noon the following day making it less then XXXX hours. I tried and tried to get overdraft protection for my wells Fargo account because I have XXXX  XXXX and get XXXX and don't remember when or where I spent money, wells Fargo said my account does not qualify for said protection but has no problem charging me a high overdraft fee, it is my money that goes into the account and my social security security number that is linked to my credit wells Fargo does not own me and should don't deny protection for the things I own IE the money I deposit. If I want it protected from going negative it should not be a problem to accommodate. Now I'm lost in negatives, failed payments, late fees ect and I can't do anything about it because of the XXXX XXXXXXXX  issues I don't know where it's all coming from while wells Fargo just sits back and collects my 3 overdraft fees per day.. thank you for your time XXXX XXXX
Product: Payday loan, title loan, or personal loan

I inquired about a loan at about XXXX. They asked how much I needed : I said $ 4500-4000. Everything was going well until one of the other representatives got involved. next t thing I know they offered me a check for {$1500.00}. I said no several times but they said I can think about it for 3days. I went home and went right back to return the money at XXXX. by XXXX I had finally gave back the check and cancelled my loan. then they say I can pick up my title in 7 days! but when they convinced me to take the check they said they would put it is pending. All I want is my title back now. they can not tell me a mailman comes to pick up several titles every day, its not cost efficient. I know my title is in one of those filing cabinets ... I feel like they are being malicious because I did n't accept their loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX noticed a hard inquiry on my credit report. The hard inquiry was not me and I would like it removed. I have already contacted XXXX XXXX regarding this issue as this is the second inquiry from XXXX XXXX that was not my inquiry. I was then instructed from XXXX XXXX to Contact TransUnion. I contacted TransUnion today XX/XX/ and they recommended that I file a report via the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there has been unauthorized and fraudulent use of my identity. An account has been opened in my name without my consent, and I demand that this fraudulent account be removed from my credit report immediately.
Product: Debt collection

On XX/XX/XXXX, I received an email from my XXXX credit card stating my credit score had recently went down. I pulled my credit XX/XX/XXXX and it shows a person opened an XXXX XXXX account and it is in collections for XXXX $ Collection shows opened XX/XX/XXXX and shows it has been reporting on my credit for 3 months, and I have no idea who this is and was not me. I am in the process of freezing my credit now so this can not happen again. 

Please advise on how to get this off my record. 

Thank you
Product: Credit reporting or other personal consumer reports

Transunion is reporting a fraudulent account on my credit report. This account was opened due to identity theft and XXXX XXXX has sent me a letter stating that they will permanently remove and or stop reporting the fraudulent account to my credit report and transunion is still reporting the account.