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

On XX/XX/2020 I sent in a tender of payment for the full satisfaction to pay off the alleged loan with Danco Financial Auto, located in XXXX, Georgia XXXX. They refused the payment, which they felt in default in dishonor. Now, they're refusing to give up the title to my car. This family owned business is doing shady business as well as Fraudulent. According to FDCPA laws and Title 15 U.S. Code 1692g I  have a right to asked for a debt validation letter, I asked them to validate this alleged debt as well as to verify and send me a certified copy of the " Accounting Statements ''. Danco Financial didn't do either. They sent me a payment history. A payment history is not an accounting statement, these are two different documents. After, they couldn't vertify my request, they manual from their office turn my car off so I wouldn't start. They have some kind of wires, that's hooked up to my starter that's in my car and if I missed a payment, they turned it off. I don't mind owing up to an obligation I have to pay, as long as Danco Financial can furnished an " Accounting Statements '' which they haven't. 
Next, they been harassing me about this debt, causing so much mental stress to my health, headaches, worry about if they gone turn off my car or not, how am I supposed to make it to work or not. According to the Declaration of Human Rights, Article 4 there shall be no slavery. It's a form of slavery when you're using Federal Reserve Notes to try and play off a debt using a debt, knowing you're never going to pay off this war debt. This is a violation that's goes against The Declaration of Human Rights & Danco Financial is in violation of my Human Rights.

Furthermore, According to the State of Georgia Constitution, Section 1, Paragraph 1, I have a right to Life, liberty, and property. No person shall be deprived of life, liberty, or property except by due process of law. This is my right. Danco Financial never gave me ANY DUE PROCESS OF LAW. In the declaration of Independence 1776, I have unalienable rights from My Creator, which man can not and will not take them away from me. You didn't give them so you will not take them away from me.

Section 1 Paragraph 7 in the State of Georgia Constitution says, such laws as will protect them in the full enjoyment of the rights, privileges, and immunities due to such citizenship. So Danco Financial stop with the fraud and the breaking of the laws.

Finally, Danco Financial can not take any of my intangible property rights nor my tangible property without just compensation by law. This private company is in so many violations, breaking the laws and are getting away with it. I am reporting them of the Fraudulent they're doing. They're doing extortion, which is a felony in the State of Georgia, shady business in the State of Georgia, as well as over the phone. They aren't staying in honor but dishonor. What you do in the dark, will come to the light. Learn how to handle things and act accordingly.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Debt collection

I XXXX XXXX reviewed my credit report from XXXX and a creditor on my report named HUNTER WARFIELD is reporting a outstanding balance of {$5800.00} on my XXXX report and I never signed a contract with this creditor I would like them to investigate this account and make sure it is reporting 100 % accurate and if its not I would like immediate deletion of this account from my report with a copy of a updated version of my XXXX report. They are also reporting with XXXX a balance of {$5800.00}
Product: Debt collection

There is a law group that has taken action with me about a couch lease I have not paid on, but the problem is when I got the letter about me going to court, they stated that I can set up a payment plan and the court date would be nullified. I went to set up a payment plan with this group totaling {$2700.00}, with the original amount {$2500.00} ; with a {$110.00} a month. They never emailed me the payment plan, nor did they take the initial payment out which was suppose to go out on XX/XX/2024 and claimed they did numerous times. When I got off the phone with the person helping me out, they claimed that they do not do receipts ... Now that does not make sense to me I stated that to the woman, to which she claimed that it will be through your bank transaction id code as a receipt. I need a bill of receipt, not something of a bank statement. No company can allow this, but they do. I am not paying something that is not verified via email with the contract and receipts for records.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. The account in question is listed under XXXX, with account number XXXX. 



The inaccuracies in this report include : 1. Status of Account : The account is inaccurately reported as a repossession. I dispute this status as incorrect.

2. Past Due Balance : The report reflects a past due balance of {$20000.00}, which is incorrect.

3. Payment History : The reported late payments and derogatory marks do not accurately reflect my payment history.

4. Date of Last Activity : The date listed may not be accurate, affecting the overall reporting of this account. 



Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into this matter. Please provide documentation verifying the accuracy of this account. If the creditor can not verify the accuracy, I request the removal or correction of this information from my credit report. 



Attached, I have included copies of my credit report highlighting the disputed information, along with any supporting documentation. Please update my records accordingly and provide written confirmation of the outcome of your investigation. 



I appreciate your prompt attention to this matter. Please respond within the 30-day timeframe as required by the FCRA. You may contact me at the above address or phone number if additional information is needed. 



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

Hello Capital One file charge against me in court of law We did go to court which judge dismissed case to my advantage, non - suit can be file against me, so I called capital One to Take it off om credit unless i provide police report dentity theft i did send it to them nothing happen, I called Capital and spoke to XXXX his ID # XXXX he said he will have fraud dept to call me nothing happened Please Help Me In this matter Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX XXXX Bankruptcy 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: Mortgage

Clear Recon Corp filed on XX/XX/XXXX a non judicial notice of default and sale on my home with a 10 years old stated default date on XX/XX/XXXX, years time-barred past the Alaska statute of limitations on mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm victim of Identity Theft, my personal information has been stollen and as a result I got hard inquires on my report that I have never authorized. I have Filed FTC report and included in this matter. I'm not using any third party for this matter. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Here are these hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I know my rights very well, please remove these items from my report as soon as possible.
Product: Checking or savings account

XXXX XXXX ( Bank Mobile ) made an ACH transfer for {$350.00} AVAILABLE before it got cleared. The end result, it never cleared and now i owe Bank Mobile Money for making it available? if overdraft protection was ACTIVE like i have plenty of XXXX  saying then i shouldnt have been able to go over {$50.00}! They took {$350.00} back 5 days later XXXX  up my finances DURING A PANDEMIC. NOW they got most of my unemployment AND {$98.00} from my Small Business loan i  received today. This is NOT RIGHT AND IF YOU SAY YOU ONLY COVER UP TO {$50.00} THEN YOU HAVE A LIABILITY TO SUSTAIN THAT AND NOT ALLOW ME TO MAKE MISTAKES BASED ON WHAT YOU ADVERTISE. 

I called XXXX Executives to help and their response was " We don't have access to our own accounts. '' XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my free annual credit report ( through XXXX ), I noticed an incorrect collection from a company named " Capital Accounts '' : Account Name : CAPITAL ACCOUNTS Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$70.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$70.00} Terms : 1 month On Record Until : XX/XX/XXXX Under historical info, the original creditor is listed as " XXXX XXXX XXXX '', giving the following contact info : Address : XXXX XXXX XXXX, XXXX TN XXXX, Phone number ( XXXX ) XXXX. 

This information is incorrect. I have never used Capital Accounts and have never received any information related to this.
Product: Money transfer, virtual currency, or money service

I am to formally convey my concerns about Zelle 's dispute resolution, particularly in light of the recent CFPB complaint, which highlighted severe flaws with the platform. I was informed that retrieving lost monies and tracking these transactions was not possible. According to the CFPB 's findings, Zelle not only failed to safeguard customers, but also allowed repeat criminals to manipulate the system, making users exposed to frauds. The absence of accountability and openness is unacceptable, and it raises severe concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I lost my access to my old CFPB account, that is why I created this. After reviewing my credit report, I spotted inaccurate late payment account that needs reporting and correction through your company.
Product: Debt collection

In approximately the summer of 2017 I received a collection notice for over {$800.00} for a XXXX XXXX bill. I have never used XXXX XXXX ( my company phone is XXXX now, but even that is new this year ). I contacted the collection agency and advised them. They told me I needed to call XXXX. I did, and XXXX confirmed that whatever it was that was ordered was ordered using my social security number and my address but a different email address than any I have used. They said it was strange because it was a phone but the service was never activated. Further, that phone or whatever it was never was delivered to my home. They confirmed that it looked like fraud to them as well. They asked me if I could file a police report, but I pulled my credit report and given that it was the ONLY item on my credit report I felt that filing a police report wasn't going to get me anywhere. What would the police do for one item on my credit report with ZERO information about who might have done it to go on. So I simply advised XXXX that I wanted to dispute the account as it was not mine. 

Then they sold the debt to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN I immediately notified them by mail that this was not my account, that XXXX KNEW this was not my account, and that it was the result of fraud. No response. They placed it on my credit report ( which XXXX never had ). I disputed it with all three bureaus and explained the situation in detail along with my dispute. 

They each did their investigation ( whatever that means ) and Jefferson Capital stood by their reporting. 

This is NOT my account. It has NEVER been my account. I have NEVER received anything from XXXX nor used XXXX in any way, and this is unjustly harming my credit. 

Please contact Jefferson and have them remove this listing as it has nothing to do with me.
Product: Mortgage

Wells Fargo called me on a Friday night back in XX/XX/XXXX of XX/XX/XXXX. They used terms like " failing to make my payments '', " hurt my credit score '', and " fees and penalties ''. This shocked me because we have our home mortgage payment set up with our credit union on auto bill pay, and we have never, ever received word from Wells Fargo or our credit union that we were short or owed any money on our mortgage. 

I spoke to a manager at Wells Fargo and he had a very difficult time explaining what the fees were comprised of, and even if and when we had actually missed any payments. 

He told me it would take him a few weeks to research this and he would get back to me. This kind of response from him really surprised me since they called me threatening action on something I was not aware of. 
This person 's name is XXXX XXXX and his email signature indicates the following. Executive Resolution Specialist, Customer Care and Recovery Group Wells Fargo Home Mortgage l XXXX XXXX XXXX l XXXX XXXX, IA XXXX Tel XXXX EXT XXXX Well, after a few weeks he did call me back and state it was very difficult to figure out what went wrong, but he had found that back in XX/XX/XXXX, they had taken our payment and fully applied that payment to principal only. He told me our escrow went up during this period and that we were {$62.00} short in our payment. We of course had no idea our escrow went up at that time. 
Since then, and after I had further discussions with XXXX at Wells Fargo, he stated this happened for three successive months, and again, we did not know this had happened because we had no idea our escrow had gone up. 
We never received a letter from Wells Fargo, an email, or even a phone call stating there was a discrepancy. Supposedly, this happened in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX. 

Well now as of XX/XX/XXXX, Wells Fargo has sent me a letter stating that I owe them {$3400.00}. They keep using phrasing like I missed payments, and paying late, but my on-line bill pay history reveals we have never missed a payment. The only discrepancy were those three months in XX/XX/XXXX, where we unknowingly were short the {$62.00} difference in escrow. I have told Wells Fargo that I am willing to pay that difference. That would equal {$180.00}, but they don't seem willing to accept this. 

I have told XXXX and Wells Fargo repeatedly we had no idea this was transpiring and I asked them, " why did they not alert us about this issue? '' " Why did they not call, email, or send us a letter? '' Their response to this question was, " well, we did not have your phone number ''. 

I find this kind of action extremely predatory, illegal, and immoral. I need some help and guidance fighting this battle with Wells Fargo. I am hoping the CFPB can assist. 
Thanks, XXXX XXXX
Product: Debt collection

XX/XX/XXXX Was called by XXXX XXXX XXXX saying to call XXXX with a reference number. 
XX/XX/XXXX I called XXXX twice and received no answer. 
XX/XX/XXXX I called XXXX and no answer. 
XX/XX/XXXX Received another call from XXXX, same person, asking if I had called XXXX. I replied I had and no answer. Woman asked that I call again. I asked why cant they call me if she has my number. She replied yes and asked me to call the above number. 
XX/XX/XXXX I called XXXX and spoke with a XXXX XXXX. She said I owe {$5200.00} from a bank account in another state I lived in from XXXX that was reported in XXXX. Said I was mailed a letter 40 days ago. Informed her that I never received a letter and asked to be sent another or if I could get more details because I have no knowledge of such a debt. She said only XXXX chance is given and then it goes to court. Said this would severely damage my credit and that a lien would be placed on my house. 

XXXX then offered me another option : to settle for {$2500.00}. This offer was only available if I paid it today, at that moment. I replied that I cant make such a decision with no information. She replied that I would receive the information in court after I was served. 

The tone was polite, but the content of the information was very threatening. I am being threatened with being served, going to court, being sued for {$5200.00} or more, having my credit ruined, and having a lien placed on my property unless I pay {$2500.00} right now without any information other than a letter having allegedly being sent to me 40 days ago about a supposed debt from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681section602A.states i have the right to privac 15 U.S.C.1681 SECTION 604 A section 2 it also states a consumer reporting agency can not furnish a account without ant written instructions
Product: Bank account or service

Over the course of a few days I received XXXX overdrawn fees for a Business Checking account through Chase. I was under the allusion that my card would decline if I had insufficient funds to make a payment. I used this card multiple times without realizing it was overdrawn. Chase did not alert me via notifications ( email or text ), but only a letter than came a week later. The XXXX {$34.00} fees came to {$400.00}. 

I called to speak to escalations 2 times on the day I realized ( XXXX XXXX, 2017 ) and they only offered to return the amount for one fee - {$34.00}. They told me I needed to have signed up for notifications, and that I was on debit 'coverage ' which allowed me to make payments with insufficient funds - to be charged a fee if my account was still overdrawn by XXXX in the evening. 

This amount of {$400.00} seems excessive to me. I feel like Chase have no care for their customer whatsoever, and that I should have been notified immediately when I incurred a fee ( regardless of system setups ). I do n't understand how they can possibly withhold such a large amount from a customer, offering no alternative for me, once my phone call complaint was immediately denied.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding a XXXX XXXX that was fraudulently opened in my name without my knowledge or consent. This matter has been previously brought to your attention, and as instructed by your team, I promptly filed an identity theft report and a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Despite following the necessary procedures, the fraudulent debt remains on my credit report, and late payments associated with this account continue to be reported. These actions are not only inaccurate but also constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). This unresolved issue is negatively affecting my credit score and causing undue stress and harm. 

I respectfully demand the following actions be taken immediately : The removal of the fraudulent loan account from my credit report. 

The cessation of any reporting of late payments associated with this account. 

Written confirmation that these corrections have been made and that no further action is required from my side. 

As I have already fulfilled all the necessary steps, I kindly request that this matter be resolved promptly to avoid any further escalation. Please consider this letter my formal dispute regarding the fraudulent account and its associated negative reporting. 

I look forward to your timely response and resolution of this matter. You may reach me at XXXX or via email at XXXX any clarification or further information you require. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section XXXX. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 
15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Completed an income base repayment for loan through Navient and I was paying {$70.00} for a year and it jumped to XXXX per month. I can not pay that amount. That is about 50 % of what I make per month and I have other expenses. I have tried numerous times to lower my monthly payments but I was unsuccessful.