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

In the year XXXX, I purchased a brand new XXXX XXXX XXXX from XXXX XXXX a car dealer in XXXX Maryland. Shortly after I purchased this car I realized that I was being taken advantage of and became a victim of a bad experience as a consumer. The contract that was created and structured for this car was extremely illegal. For starters, the XXXX rebate that I was promised was never put into the contract but into the dealer 's pocket. 2. The contract was structured as though I was paying for two cars and I only bought one car. 3. The high-interest rate that I was charged was never supposed to reach 29 % but only should have been no more than 10 %... Furthermore, after going before the board at the XXXX credit union to get the car refinanced they informed me that the interest rate was an enormous error and that they could not touch the contract. Mrs. XXXX a loan officer at XXXX XXXX XXXX XXXX also advised me that I should seek legal counsel because the contract was written up so that I would fail. Mrs. XXXX first approved for a refinancing of the car and on the day that I was supposed to get the check for the payoff of the car ; she captured the error of the rebate and the erroneous errors in the contract. My family has suffered embarrassment and have had to undergo tremendous disadvantages because this car was repossessed a day before I had to return to my job as a XXXX  after a summer break in XXXX ..... I desire to be compensated for my family 's pain and suffering...
Product: Debt collection

I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt signed over by CEO. 


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

I obtained A Wells Fargo secured credit card at a young age at a time I was not financial literate or responsible thus resulting in me over spending and allowing the account to go to collections. On XX/XX/XXXX I went into a branch and spoke with a woman who stated that if I paid it off in full it would not only close but it would also be removed from my credit. 

As I apply for new credit cards in almost XXXX  with the credit score of XXXX I am frequently denied for this account even though it was paid in full and closed. I have reached out and spoke to them directly and they are stating they will not remove the account.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TRIDENT ASSET MANAGEME XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRIDENT ASSET MANAGEME XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XX/XX/year>
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

First Issue. I paid an additional payment of about XXXX  % of the purchased value of the house into my FHA principal. I asked the loan servicer to reduce my monthly payments accordingly and got denied due to FHA loans do not allow Recast. This is a rule that should be changed. Why not allow FHA loaners to pay off some of the principle and lower the payments? 
Second FHA issue. The forced PMI for XXXX years. This is ridicules, I paid 70 % of the value of the house, initially downpayment was 20 % yet PMI is mandatory and for XXXX  years minimum. This should be changed. 
It seems to me that FHA loans are to help the banks make profit more than help people buy a house.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$30.00} ; XXXX XXXX XXXX Balance Owed : {$9100.00}.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I'm happy to used Paypal with my online transactions as a it is where my clients send their payments. I'm doing short intro, video teaser or video promotions for my clients.. But suddenly they limited my Paypal account and they email me that I can no longer used Paypal because they noticed some activity in my account thats inconsistent with their User Agreement. Without specifically mentioning what user agreement I violated. They limited my account. Email is the only way for me to reach them but I dont received any reply from them. I was saddened with this because this is where my clients send their payment and it's affecting my business. I loved using Paypal. Hoping that they reconsider.. Thanks!
Product: Debt collection

I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this compan y  XXXX  s eries of documents and what they 've requir ed for my case. Still, am having issues with a creditor collection company on my report. Diversified consultant. I 'm wondering if Diversified Consultants pays this bureau under the table or just pays more than what is required but it makes me concerned. Diversified consultants have received also   XXXX   documents and the account was deleted off my credit rep ort, then they re-reported with the credit agencies.     I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate bankruptcy entry listed on my credit report associated with case number [ XXXX ]. This bankruptcy entry is incorrect and must be deleted immediately. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in consumer reports. Despite this obligation, the inaccurate bankruptcy remains on my report. Your failure to correct this misinformation violates the FCRA and has caused significant harm to my credit profile. The case XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) highlights the credit bureau 's duty to remove inaccurate information once a dispute is raised and verified to be inaccurate. I demand the immediate removal of this incorrect bankruptcy entry. I have sent several disputes to the credit bureaus, and they are failing to investigate anything as usual. 

XXXX XXXXXXXX BANKRUPTCY XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. Please provide detailed documentation showing the steps taken to verify the accuracy of this account.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX are not holding up to the law ( 30 day demand to comply ). I sent in disputes, and they are not getting back to me with the results of my investigation.
Product: Credit reporting or other personal consumer reports

I have contacted the following companies numerous times XXXX, XXXX, and Experian regarding the wrongful posting of inaccurate personal information. Both have inaccurate home addresses and phone numbers where people have fraudulently used my name and associated my name with addresses and numbers that are not mine. I have requested proof neither company sent any proof though just stated it has been confirmed the fraudulent address are mine even though I filed identity theft and this is noted on my credit reports though the companies refuse to remove the inaccurate addresses and phone numbers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Portfolio Recovery Associates , LLC XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt reported under the above account number with your agency. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including detailed documentation verifying its accuracy.

I believe there are compliance issues regarding this account. Specifically : 1. Proof that your agency is authorized to collect this debt.

2. A full itemized breakdown of the debt, including principal, interest, fees, and other charges. 
XXXX. Proof that the statute of limitations for collecting this debt has not expired. 
XXXX. Copies of the original signed agreement or contract associated with this debt. 

Under the FDCPA, you are required to provide this information within 30 days of receiving this letter. If you can not substantiate the validity of this debt in compliance with the law, I request that you immediately remove this item from my credit report and cease all collection activities related to it. 

I also request that all future communications regarding this matter be made in writing only. You are not authorized to contact me by phone. 

Please note that failure to respond to this dispute and provide sufficient validation will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the appropriate state authorities. 

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

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Went to account on the website to pay off found the total at {$5200.00} on XX/XX/20 and paid that amount in full believing my account was taken care of. Subsequently saw an email regarding my account and found another {$960.00} due. Contacted company XX/XX/20 through website disputing this amount they responded XX/XX/20 stating this was more interest that had accrued but my statement of {$5200.00} on XXXX showed it included {$940.00} AND {$1200.00} had been assessed XX/XX/20. I again disputed XX/XX/XXXX they responded XX/XX/XXXX AND assessed a late charge and more interest.
Product: Student loan

When it came time to repay my private loan Navient was completely unwilling to work with me on payments. More than $ XXXX a month is not affordable when that is pretty much all that you make. My co-signer just received Social Security now. We have XXXX loans reporting as delinquent monthly on our now destroyed credit with no relief in sight with interest ballooning the payments. I wish they had just never given them to me.
Product: Credit reporting

On XXXX XXXX, XXXX I was notified by Experian that my credit score had dropped significantly. When I checked into this, I found that a credit union which I settled with in court re-reported my account as 2 years past due. After seeing this, I contacted Experian to dispute this report. 
In XXXX, I took out a personal loan through my credit union. Towards the end of XXXX I ran into financial difficulty and could not afford to pay my debt back. In XXXX, my credit union reported my derogatory status and closed the account on my credit report. That same year they filed a judgement against me, which I ended up satisfying in XXXX. I have court documents stating this settlement. Now it 's XXXX and this credit union is just reporting that they charged off the account and are showing non payment for XXXX - XXXX. Because of this it has dropped my credit score XXXX points. Can you help in with this incorrect credit reporting? 
Regards!
Product: Student loan

AES has been servicing my loan since inception. This company has COMPLETELY mishandled my loan and repayment process. They have required payments while my account should legally and rightfully be in deferment status ( I am still in school pursuing a XXXX XXXX degree ). I have made said payments in order to keep my account out of delinquent status. On a yearly basis they boot my account out of deferment status and make me provide documentation THAT THEY ALREADY HAVE to prove I am still in school and have not graduated from a program. During this time payments must be made to keep the account current. At one point they illegally reported a late payment on my credit that was never late because the account was in deferment status at the time. This process has been not only daunting and time consuming but also out of compliance. I requested ALL loan documentation as well as correspondence so I could begin the lawsuit process and was denied access to this information. I also requested to be put in touch with someone in the compliance department and was also denied. I receive little to no correspondence ( other than BILLS ) from this company regarding my requests and general follow-up. Every time I call I request to speak to the supervisor I spoke to previously and I am denied. This company 's practices are ILLEGAL and non-compliant. They currently have a lawsuit pending in federal court for the same issues.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

My identity was stolen! After a bad incident, I was in the hospital for a long while. When I was finally feeling better. Everything has been compromised. Ive been XXXX fix this problem 4 a while now. I bet u the thiefs had an easier time stealing my stuff. This is heartbreaking. As if I havent been through enough.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Adverse Action Dear Capital One, N.A.

I, the consumer, and natural person, was denied credit by Capital One, N.A. when I applied for credit.

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Capital One, N.A. due to response I received. Capital One, N.A. is in violation of 15 U.S code1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith but credit was not issued. Furthermore, because my social security number ( credit card ) was used and Received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One, N.A.

If Capital One, N.A. fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Capital One, N.A. criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also Follow up with an invoice for said violations ( { {$1000.00} } per violation. ) Thank you. 
XXXX XXXX XXXXXXXX [ Agent/Beneficiary ] Without Prejudice. All Natural Inalienable Rights Reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE DISPUTED THESE FRAUD ACCOUNTS WITH THE CREDIT BUREAUS AND THE BANK. XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX. THIESE ACCOUNTS ARE NOT MINE, I DID NOT SIGN ANY APPLICATIONS FOR THEM, THEY DO NOT BELONG TO ME. ALSO THESE ACCOUNTS DO NOT EVEN SHOW COMPLETE REPORTING, OPEN / CLOSE DATES, COMPLETE PAYMENT HISTORY, WHICH IS ANOTHER INDICATOR OF A FRAUDULENT ACCOUNT. I HAVE ATTACHED THE FRAUD INFORMATION BELOW. POLICE REPORT, ID THEFT STATEMENT AND A COPY OF MY ID
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/2022 My Wisely Direct by ADP Account information was obtained/stolen by a card skimmer from a ATM. Wisely advised me to use this ATM on their provided cell phone app. A total of {$1900.00} was then removed from my account in 7 different transactions at different ATM locations. The physical card was and is in my possession the whole time. Wisely by ADP has a " Zero Liability Policy '' in which my funds should be protected from fraud. I have filled a police report and a claim with Wisely but they have refused to credit my account for my loss. 
Wisely case # XXXX Police report case # XXXX XXXX Police department