23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has lawfully received a Cancellation of Debt form from the IRS that was sent to Exeter Finance Inc, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The IRS has recorded and written this debt off in the amount of {$51000.00}. I have in my possession a certified copy of this information from the IRS as proof. I will now have to claim this amount on my taxes as income. I have communicated with Exeter Finance several times about this and they refuse to acknowledge the federal governments own documentation that this debt has been cancelled. A copy of the form is enclosed as an attachment.
Product: Credit reporting or other personal consumer reports

I'm writing to alert you of a very serious and critical issue : the compromising of my Social Security number, which has resulted in a data breach and identity theft. To resolve this matter as soon as possible, I contacted the Federal Trade Commission and submitted an FTC Report, which is enclosed with this communication. 

According to 15 USC 1681c-2 ( c ) ( a ), as a credit reporting organization, you must immediately block and remove all information linked with this identity theft from my credit report. This Act requires credit reporting companies to respond to such requests within four business days after receiving a complaint that includes the following information. 

XXXX XXXX XXXX XXXX XXXX ** You have violated United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I never gave you any written consent to report anything on my consumer report. Under 15 U.S. Code 1681b, these accounts must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. This letter has also been sent to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX  and Federal Trade Commission. 

XXXX XXXX XXXX XXXX - XXXX : ** The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. According to compliance standards, these claims are currently unverified and can not be assumed valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. According to compliance standards, these claims are currently unverified and can not be assumed valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

I am emphasizing the importance of the situation and my expectation of a swift and effective response. Failure to reply satisfactorily will force me to take legal action against your agency, as allowed by law. Please be advised that I shall seek damages, including but not limited to statutory fees, with each violation incurring a statutory cost of {$1000.00}, as provided in 15 U.S.C. 1692k.
Product: Checking or savings account

I'm writing this letter to you, hoping for some urgent assistance, as I've fallen into extremely difficult financial circumstances. Unfortunately, I've been experiencing hardships lately, which have put an immense strain on my daily life. To make matters worse, I currently live check to check and all my accounts are in the red, with no available funds for essential expenses. 
This week has been particularly challenging, as I haven't had the means to secure groceries for myself, let alone my dependent son. Today, I was expecting a payment, which I genuinely believed would arrive in time to alleviate some of this pressure. However, I'm now facing a day without basic necessities like food. I'm writing to ask if you could please expedite the payment to me at your earliest convenience. 
I'm not sure how else to convey the gravity of this situation, but being in such dire circumstances has become unbearable. If possible, any immediate assistance with the payment would be a huge relief for both me and my son. I would appreciate any efforts you can make to speed up the disbursement of this payment, as it will make an enormous difference in our lives. 
I appreciate your understanding and would like to thank you in advance for considering my request. Please let me know as soon as possible if there are any options or actions I can take to rectify this situation swiftly. 
Thank you for your assistance at this critical time. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  BANKRUPTCY ( XXXX XXXX XXXX TX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. Please update and correct the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$300.00}, {$0.00}, {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Product: Debt collection

They keep calling me from many different numbers and will not stop harassing me. Even called me at work which was inappropriate.
Product: Credit reporting or other personal consumer reports

I checked my credit report, and I saw some inquiries that I did not authorize. 

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  I NEED THESE INQUIRIES REMOVED AS SOON AS POSSIBLE
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXL Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I bought a product through XXXX XXXX XXXX 2024 for {$900.00} Mexican pesos the seller got the wrong product, they sent the wrong product and now they don't want to give me my money back They want me to pay the return shipping costs, the shipping cost is almost the price of the product ... as you can see, as a consumer I do not feel protected because I will end up paying double for NO reason also the producto looks really bad
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX, Chapter XXXX Bankruptcy Dismissed XXXX
Product: Vehicle loan or lease

Good morning, My name is XXXX XXXX I am 100 % XXXX Veteran and I purchased a vehicle from Carvana XX/XX/2022. I received the car on XX/XX/2022 the scheduled date for delivery. On XX/XX/2022 I received an email stating that I paid Alabama title and/or processing fees that I wasn't supposed to pay and they will reimburse me ( XXXX XXXX XXXX my funds. I pay my car note every month on time, I don't mind paying if I owe, but it's been going on 4 months. 1 phone conversation and 3 text later I keep getting the same answer from this company and I still haven't received my refund. I have been patient with them, but now I would like an answer on when I will receive my refund. Every time I call, text, or chat I get the same results they tell me they are working on it or to call back. I have done what they asked all the way to my on time payments for my vehicle and still no results. I have attached email that was sent from Carvana along with the text messages of the conversations that was had between myself ( XXXX XXXX ) and their employees.
Product: Vehicle loan or lease

I took out an auto loan from Navy Federal in XXXX of XXXX for the purchase of a new vehicle. Due to the global pandemic I was unable to register the vehicle. I had an appointment in XX/XX/XXXX, but was unable to register the vehicle at that time because I do not have the title paperwork once again GLOBAL PANDEMIC. I notified Navy Federal about this, and did not hear from them on this matter any further. Today I logged into my Navy Federal account to schedule my next payment, and low and behold the interest rate went from 4.25 % t0 16 % with no notice. The extremely rude agent on the phone says the only notification I received about this was in the disclosure documents, and essentially acknowledged I didn't receive any further notification from Navy Federal. I also did not hear from Navy Federal further after notifying them in XXXX of XXXX. I have made all of my payments on time since taking out the loan, and now my payment is 50 % higher than it was last month literally overnight.
Product: Checking or savings account

On the XXXX  of this month. XX/XX/2023 I was transferring my social security check from my major checking account to another. It was XXXX dollars. While making the transaction my money was taken from me and sent to a balance assist account at bofa which was closed. I've been waiting to be reimbursed for the money they took out my account. I owed them XXXX they took all of my money and are not sending me the balance of what they took
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian & let them know that the account from XXXX XXXX does not belong to me. I have submitted a previous complaint against this company for reporting incorrect information on my credit report and they continue to report this information. I this is a fradugelent account & I have no idea who opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer that receives free FICO credit scores with my monthly statements.   I pay all my credit accounts on time and I have a very lengthy and old credit report with all  XXXX  credit bureaus in excellent standing.     In  XXXX    XXXX  , I received a FICO score on my monthly statement from  XXXX   XXXX  that was significantly lower than the month before due to " serious delinquency '' being reported to them from  XXXX  and it is still there to date. I have tried to resolve this incorrect information with  XXXX  and they said the information is coming from  XXXX , and I contacted  XXXX  and they keep saying that the information is not coming from them!   In  XXXX    XXXX  , I received a letter from  XXXX   XXXX   XXXX   XXXX , explaining why they could not accommodate me for financing based on information obtained from  XXXX , first reason they listed is " serious delinquency '' too recent or unknown.    XXXX  will not help me get this info removed from what creditors are receiving, they keep saying they are not reporting this information!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not reporting XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) & XXXX XXXX XXXX ( XXXX ) accounts has to be 100 % accurate and complete as required by the FCRA. 

XXXX XXXX XXXX XXXX account has to be 100 % accurate and complete. 

FCRA requires consumers credit report 100 % accurate and complete. 

Not being reported on XXXX # XXXX are : Usage, Balance, Paid off percentage, last payment amount. High balance. 

Not being reported on XXXX # XXXX are : Paid off percentage and original balance. 

Not being reported on XXXX XXXX XXXX XXXX # XXXX are correct high balance and balance.
Product: Money transfer, virtual currency, or money service

I sent Western Union money order to XXXX XXXX. I received a letter from Western Union tha it was never picked up. And they would send the amount back to me. It has been several years and I have never received the above {$300.00} to me. 
Whats next?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Accounts # - XXXX XXXX # XXXX - XXXX XXXX # XXXX - XXXX ACC # XXXX - XXXX XXXX ACC # XXXX - XXXX XXXX ACC # XXXX - XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX ACC # XXXX - XXXX XXXX XXXX ACC # XXXX
Product: Credit reporting or other personal consumer reports

There accounts on my credit report that does not belong to me and I did not authorize any of these accounts on my credit report. I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency XXXX which makes you financially liable for each inaccurate account. Also, under XXXX Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the XXXX. here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One Bank company claims to have experienced an outage which caused direct deposit funds to be unavailable. The issue began on XX/XX/XXXX ; however, clients were not notified until XXXX on XX/XX/XXXX. I called the company XX/XX/XXXX but lines are not being answered, and no help is provided. I am also making a complaint with the FDIC. I went in person to the location at XXXX U in XXXX, NY XXXX and spoke with bank ambassador, XXXX. I have a recorded audio of the conversation and made sure that XXXX was aware of the audio. The bank refusing to offer any protection or conflict resolution at the time. I have a child who needs milk and food. I have no access to my funds and the company refuses to offer insurance on the failed deposits. They refuse to offer a temporary credit, they refuse to offer overdraft protection, and they refuse to void my direct deposit payment so that my employer can issue a check. I am left hopeless and without any idea of when my money will be available. I have this all on a recording. XXXX told me that I must just wait it out and the company will not honor the insurance policy for direct deposits. I am hoping that something can be done as this has been going on for days now with no resolution and vague promises.
Product: Checking or savings account

After weeks of attempts, I was finally able to access my business accounts. Within days access was no longer available, again. Phone calls are disconnected and voicemail receive no response.
Product: Payday loan, title loan, or personal loan

wilshire consumer credit is charging me an illegal intrest rate pf 36.65 %. ive tried talking to them about it and they insist on denying it when my contract clearly states 36.65 % ( they claim its 36 % ). 
they also harrass me by calling in upwards of 12 to 13 times a day from many different numbers. they have also been putting all my payments towards interest.
Product: Vehicle loan or lease

Purchased a used Toyota from a Toyota dealership in XXXX XXXX, financed directly through Toyota and paid the loan off a year later. In the middle of my loan I moved to a new house and did everything I needed to update my address information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX so that they would have my correct address and contact information. Fast forward to today and I go to sell my car and purchase a new one and realize I never received the title to my vehicle after paying it off in XXXX XXXX. I called Toyota and they told me they sent the title and lien release to my old address and they are not sure why because they confirmed they did have my new address on file. They also stated they never received my title in their returned mail and have no idea where it is. I tried to order a new title from my state and rush it so that I could have it to sell my car this weekend and my state then informs me that they can not even release my title because Toyota never released the lien and the title is still showing that it has a lien against it. So back on the phone with Toyota who tells me they cant fax a lien release with out me being at the state office which is 2.5 hours away. After some arguing they agree to fax the release but not for 2 business days, so now I have to wait 2 business days to even order a title and wait 10 business days to even receive the title. At this point I will probably lose the sale on my vehicle which will cost me {$13000.00} and I probably wont be able to purchase the new vehicle I intended because I wont have the money for the down payment. 

Toyota is responsible for sending the title of my vehicle to the wrong address after I did everything I needed to do to update my address information with them and now I am the one dealing with the mess. All I asked Toyota to do was rush the release of the lien to the state and they tell me I have to wait in a queue for it to be released and it can not be rushed. I did n't think that was much to ask after the mistake they made by sending the title of my vehicle to the WRONG address. 

Unfortunately I no longer know my account/loan number but my name in their records is XXXX XXXX with my current address of XXXX XXXX XXXX XXXX, Maine XXXX