23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently subscribed to credit monitoring through XXXX and noticed a collection account that I have no knowledge of. I mailed a 2nd debt validation letter by certified mail on XX/XX/XXXX to the collection agency listed on my credit report, United Revenue Corp, for proof of the debt, what it is for, anything with my signature on it, etc. The company sent me a one page response saying my debt is valid per their investigation but did not send any form of proof that the debt is mine, that they have anything with my signature on it, etc. I have no knowledge of this debt and it does not belong to me. The original creditor is XXXX XXXXXXXX XXXX and by doing a basic XXXX search, its a chain of hospitals in the XXXX, TX area. The letter states that I was seen in an emergency room on XX/XX/2016. I have not been to the doctors or any hospital in the XXXX area. I requested that the debt be removed from my credit report due to fraud and the fact that proof of the debt can not or will not be provided to me, the consumer who is suffering from a negative account which does not belong to me being hit on my credit report every month.
Product: Credit reporting

XXXX sent a removal letter/code to XXXX and Experian on XXXX XXXX, 2016. Experian has not deleted this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to verify my identity by sending Transunion different forms of ID, but I still can not obtain access to my credit report. Through the Transuion website and XXXX
Product: Credit reporting or other personal consumer reports

I pulled a copy of my Equifax consumer report and noticed an item I would like to dispute. It is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for negligence. Please DELETE this item from my consumer report! 

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 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Vehicle loan or lease

2016 Hyundai leased through Hyundai Finance was involved in an accident in XX/XX/XXXX. It was declared a total loss by the insurance company, who sent a check for the total cash value of the vehicle, less a {$500.00} deductible as expected. 

All Hyundai leases include gap insurance that is advertised to cover the difference between the value of the insurance settlement and the payoff amount, including the insurance deductible up to {$1000.00}. 

XXXX XXXX XXXX offers a description of the coverage. 

I had also made the lease payment for the month of XXXX prior to the date of vehicle loss, and am expecting that to be refunded. 

I received a letter in XX/XX/XXXX with a summary indicating that I was liable for the {$500.00} deductible. I called Hyundai Finance asking for an explanation why they charged me for deductible since it is covered by their gap insurance. They said they would get back to me with an explanation. I did not receive any correspondence or calls since then and assumed it was settled. 

Today I noticed a decrease in my credit score. I pulled copies of my reports and found that Hyundai Finance had listed this lease account as closed with a {$290.00} charge off. 

The account should be credited for the {$500.00} deductible and the {$200.00} over payment refunded to me. The false charge off needs to be removed from my credit reports. 

This is the quoted referenced text from the Hyundai Finance gap insurance description : Our GAP is the best way to avoidgaps. 
If your car is totaled or stolen, it can be a devastating experience, especially if you're still making payments on it. And to make matters worse, the amount your insurance company pays in the event of a total loss may be less than the amount you still owe. This, plus your deductible, can create a significant gap between what your insurer pays and the amount you owe on your vehicle. Our Guaranteed Asset Protection ( GAP ) waives the difference between your primary insurance settlement and the outstanding balance on your vehicle 's financing, subject to terms and conditions of the program. 
GAP helps cover the difference Hyundai Protection Plan GAP protects you with these value-added benefits : Available on loan amounts up to 150 % of your vehicle 's MSRP, up to {>= $1,000,000} Covers your insurance deductible up to {$1000.00} ( not available in all states ) Waives covered losses up to {$50000.00} :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2021 I sent a letter regarding inaccurate and unverified information on my credit report. I waited for a response but it has been over 60 days and I have still not received any correspondences regarding my request. This information is affecting my ability to obtain credit. Section 611 ( a ) says that a failure to investigate my claims within 30 days is grounds for immediate removal the items in question on my credit report. Considering that it has been over 60 days at this point I demand that these items be updated/removed immediately according to my request in the letters sent. If these items are not removed I will explore the option of filing for litigation as my rights are being violated and I need these matters addressed promptly.
Product: Consumer Loan

On   XXXX   XXXX   obtained my credit report pulled by  XXXX   XXXX  Bank to qualify for a mortgage. I noticed on my credit report I had a repossession from  XXXX  reporting from  XXXX  of Charl/CNA. I have emailed, mailed, called, and faxed correspondence regarding seeing where this account came from. I have no recollection or did I gave anyone permission to obtain a vehicle loan in my name. Under the FCRA this company is obligated to provide any legal binding contracts with my signature showing that I signed for or gave them permission for this loan to be obtained in my name. I have not been able to get a response from the company regarding this account. Also according to the FCRA, this account is is  XXXX   years old  and the company is still attempting to collect on a debt past  X  years.
Product: Debt collection

I do not have a mortgage with XXXX XXXX XXXX XXXX of XXXX  Georgia ( merged with Synovus Bank ). I received a Notice of Lender-Placed Hazard Insurance Coverage informing me that a policy of hazard insurance was purchased on my behalf. It is to cover the property listed in the attached XX/XX/XXXX letter and Notice of Insurance.XX/XX/XXXX Lender letter is enclosed ; subject is about the transfer and servicing of that mortgage loan to XXXX XXXX XXXX. The letter states, This is a business transaction between Synovus Bank and XXXX XXXX XXXX and in no way reflects negatively upon your account. The transfer and servicing includes the hazard insurance policy. The transfer date and insurance payment date is XX/XX/XXXX. Placed several calls to both the Lenders and new mortgage service representatives,XX/XX/XXXX ( Lender only ) and XX/XX/XXXX, respectively, about this issue. I explained the debt had been paid off over four years ago. The Lenders representative said she would get back with me. I called her the next day and she wanted proof the debt was paid. The new servicing representative said to email him the document showing the debt was paid. Both were able to retrieve documents and transactions on the mortgage. As reiterated previously, I do not owed this debt. Who are the people involved? XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Synovus Bank XXXX, Georgia XXXX   Telephone : ( XXXX XXXX ) XXXX  Email : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Telephone : ( XXXX ) XXXX   ext. XXXX Email : XXXX Synovus Insurance Tracking Center XXXX XXXX XXXX XXXX GA XXXX Telephone : ( XXXX ) XXXX
Product: Debt collection

I keep getting calls from Comenity Bank " Ultimate Rewards '' for my sister. I tell them this is not her number but they call back anyway. 
Today I finally lost it on the lady and asked her how she got my number to begin with. 

She said they use " XXXX '' that will call all the " potential '' friends and family of a person they are trying to reach in order to find them. Then she had the nerve to ask me for her phone number. I told her to do her job and find it herself. 

How is it okay for a company to use bots to find and call frends and family of people they are trying to reach. Not only does that create conflict for the friends and family, but it also semi is a privacy concern for that person as everyone knows what " a business matter '' really means.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX Account NumberXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

I had a credit card with XXXX XXXX XXXX XXXX and that card ended with the number XXXX, I paid that credit card off by settling with them on a lower amount and when I paid it off they sent me a letter stating that the account had been settled for less than the full balance. I paid off the amount I owed and settled on XXXX of XXXX. I received the first letter confirming that I had paid off the account in XX/XX/year> and the letter stated that I XXXX receive a final statement reflecting the settlement payments and that the amount had been forgiven. However, that letter showed a different account number ending in XXXX and it was now calling the mastercard " XXXX XXXX XXXX XXXX when it was a XXXX XXXX. I called them several times to ask them why they changed the number and the answer they gave me was that because the card had expired and it was changed to XXXX and that now they were going under XXXX  not XXXX, so they had apparently changed the name of the credit card company, but that it was the same account as the one ending in XXXX. I asked them to correct that and to send me that explanation in writing and they wouldn't do it. They sent a XXXX letter on XX/XX/year> with the same incorrect information. After that occurred, I began to receive collection notices and get harassed by XXXX XXXX XXXX and now I am getting harassed by a collection company called XXXX XXXX, XXXX. XXXX has caused my XXXX XXXX to be damaged due to them reporting false information and selling that account to XXXX and XXXX selling it to XXXX XXXX. I have already spoken to XXXX and Firstsource and XXXX continues to harass me and report late payments on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I notified all three major credit bureaus ( XXXX, Experian, XXXX XXXX ) concerning invalidated information that was reported on or about XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and that I owed two medical seperate collections ( {$2100.00} & {$4000.00} ) that had been paid to the original creditors on or aboutXX/XX/XXXX ( See attached letter from Attorney XXXX XXXX. 

On or about XX/XX/XXXX, I responded to XXXX - XXXX XXXX XXXX XXXX by letter stating that the said collection of the two medical debits have been paid and requested that their claim was disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( XXXX, Experian, XXXX XXXX ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. 

I have submitted three different letters to all three major credit bureaus ( XXXX, Experian, XXXX XXXX ) stating that the debit is not validate and should have never been on my credit report. To date all three major credit bureaus ( XXXX, Experian, XXXX XXXX ) have not updated nor removed the inaccurate and invalidated information on my credit report but they have updated XXXX - XXXX XXXX XXXX XXXX reports and negatively affected my credit continuously.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I've been trying to apply for apartments, and loans and getting denied. Unsure why, I went to check my credit reports from all three credit bureaus. XXXX said that my score was XXXX when it was really XXXX, XXXX claimed that my credit was 'young ' even though my oldest student dated from XXXX, and Experian showed my name and old addresses and a social security number that isn't mine.
Product: Payday loan, title loan, or personal loan

I was sold a solar system that has never worked as advertised and the tactics used by the sales team were probably illegal. everything they told me was a lie. The solar company has never tried in XXXX to fix replace or work out a solution and loanpal is the same. I'm a XXXX person and desperately need help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, by XXXX  XXXX and Account # XXXX, Account # XXXX by XXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right of privacy.

15 USC 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A credit may noy treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 an account opened XXXX XXXX Account Number : XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX dateopened XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 
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: Vehicle loan or lease

Credit acceptance corporation, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/XXXX. All XXXX are involved in racketeering influenced corrupt organizations. All XXXX are involved in XXXX XXXX  Documents have been uploaded. They know what they have done, I have contacted them multiple times. Its XXXX and my story has been consistent and this will be the year that they get exposed in front of the world for stealing peoples vehicle and seizing peoples vehicles and doctoring and concealing their crimes under the word repossession. Cfpb will be sued also if they assist and aid the XXXX in their crimes against United States citizens. Qui tam action explored. We will get justice. This entire site is telling what credit acceptance is doing and cfpb isnt doing anything about it.
Product: Vehicle loan or lease

Sales associate named XXXX XXXX XXXX XXXX, lied about the down payment required for the loan of my vehicle. I scheduled an appointment at XXXX XXXX XXXX and was pre-approved through Capital One Auto Finance and clearly informed XXXX that I did not want my credit to be ran because I had already decided who I was going to be financed by. With the required down payment verified by Capital One, XXXX gave misleading information stating my down payment was not {$630.00} as stated on my approval form from Capital One. He changed the down payment amount to {$4000.00} and never applied the amount to my loan. He stated it would be a deferred down payment and it was never reported. XXXX and the XXXX XXXX XXXX XXXX XXXX stated that the XXXX insurance was required and mandatory in order to complete my purchase of the vehicle. Desperate to purchase a car for reliable transportation to be able to successfully flee my XXXX, I made the purchase and signed everything in less than 30min. Upon reviewing my financial statements I noticed the deferred down payment was never reported and the optional add ons were not mandatory, they were optional. Also, the terms do not match what is reported on credit reports. When I requested verification with all documents containing my wet signature, I received a document that contained a signature that was not mine. I believe the signature was forged.
Product: Checking or savings account

{$120.00} XX/XX/23 {$1000.00} XX/XX/23 My account was charger twice from this company. As a result, I had to close down my account. 
Ive been receiving multiple letters asking for money. They claim they have authorization for withdraw form an unknown card. 
Company name : American First Finance XXXX American first finance.com XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain toquestion specific records in my document coming about because of the wrongdoing. Therecords I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to analleged fraud or extortion. 
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: Credit reporting

My challenge is that there is a Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, why is it reporting as a derogatory. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Debt Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.