23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX in XXXX XXXX is their manager at the facility off of XXXX. I believe the XXXX  truck auto dealership I need a car super bad for work. I went in with a trade-in then spent over {$1000.00} closer to XXXX for insurance and everything down payments everything signed everything signed. Everything then gave them as collateral with another car, within 30 day With no payment for three months guaranteed. They call me in the first two weeks. Tell me that they need to put in a different car cause I wasnt approved for it. I said I wouldnt have signed everything if I wasnt approved for it so they let me leave the lot they let me spend all my money and then told me that I wasnt approved for the vehicle that I wanted The satisfied everything just completely irritated that they would only offer me a XXXX XXXX, but I had a car so I had to take it. I didnt want to and I wanted to cancel the contract right then and there they wouldnt let me. I told him I would not give the car back until they gave me my car back that I put in for trade because they have sold to the auction, repossessed it within 30 days 390 day that I did not need to pay until 60 days From the XXXX XXXX XXXX XXXX XXXX phone call from XXXX XXXX or give me my money back. They refused everything that I asked, then they came and repossessed the car while my wife was at work. And then charged me three times for the tow bill up to {$1800.00} The bank wrote a charge off without any information whatsoever labeled it completely inaccurate from the original agreement. Automatically, XXXX XXXX signed it over to creditors. Lied on the paperwork. Forced me in designing forced me into XXXX  myself without any full recognize consent any of that while Im asking XXXX different questions because it didnt seem right I have the original agreement management takes the debt next thing I know I have an identity theft from XXXX XXXX to Santander Banking and thats identity theft and they take no responsibility on a unsecured network didnt notify me didnt do anything but refuse deny and refuse all requested information and inquiries. They have a fiduciary DUTY, responsibility, and obligation to the beneficiary. And being honest is part of that contract now I have to file bunch of in needed paper work as well as a 1099C to all agencies. Because of this hoard and horrific event, I got screwed more than than once out of this deal. They crushed the car after they repossessed it and then somebody signed off on my car that I traded in through the DMV which is fraudulent. I never signed off on any vehicle.
Product: Debt collection

I had a student loan with AES/XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XX/XX/XXXX showing a " paid charge off '' with AES..and a " paid coll '' with XXXX. 

This week when my report was pulled the AES now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 ( a ) ( 1 ) ( A ) reporting information that they know to be incorrect. 

I have disputed this with the XXXX credit bureaus and they left it on the file. This violation of the FCRA is a violation by AES and not by the XXXX credit bureaus.
Product: Debt collection

We contacted Pinnacle Recover in XX/XX/2020 regarding an email with an amount due. Pinnacle Recovery stated there was non an amount due, they had no record of an amount due and stated the email was sent in error and ignore it. 

XX/XX/XXXX we were contacted again by Pinnacle through email. We again called and inquired about the info sent. Pinnacle stated nothing was due and they had no record of us or an account being past due. 

XX/XX/XXXX, we were sent another email, now with a higher total. We called and the person from Pinnacle stated there was no account, but wanted to check some other info. After a discussion for 15 minutes, the Pinnacle person stated there was an account noted as past due but there were multiple computer accounts in their system which they incorrectly created ( in their system ). We discussed that we also contacted XXXX  in XXXX and we were told the account was current. The person at Pinnacle stated there was a small fee due, then combining all of the accounts, it was much higher. 

In order to keep our credit clear, and at the time of payment, there was no derogatory remake on our credit report. Pinnacle added a derogatory remake AFTER the payment was made. This is a collection tactic to abuse their power and harm paying customers. 

The remake needs to be taken off of my credit report, effective immediately. The remake is an attack to show dominance and is a hate crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

XXXX DATE : XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : DXXXX XXXX XXXX {$770.00} 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 XXXX XXXX XXXX {$770.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with credit acceptance is fraud! I don't have any reqalection of this account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings credit reporting agencies, my name is XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX  # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

- [ ] In a ccordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights. 


Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is unacceptable and I would like action to be taken IMMEDIATELY in the works of fixing my consumer report! 
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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hasnt reported or updated any payment history or account balance for the month of XXXX for my XXXX XXXX account XXXX XXXX is only reporting a old balance for the month of XXXX and nothing is reported for XXXX. 

My XXXX finance balance is currently {$1100.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested XXXX, XXXX and Experian to investigate the XXXX XXXX XXXX account on my credit report for innacuracies as well as the XXXX XXXX and the XXXX XXXX accounts for innacurracies. These accounts are all reporting innacurate information and need to be corrected/ removed. I requested proof of the late payment from the creditor to validate the items. I have not received response from any of the bureaus. XXXX requesting this innacurate item to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Experian. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I strongly believe that they are in violation of the FCRA, and are outright refusing to uphold the law.
Product: Mortgage

Freedom Mortgage overpaid my Real Estate Taxes for XX/XX/XXXX as they paid them early in XX/XX/XXXX. A refund check was sent back to them on XX/XX/XXXX. The refund amount has still not been applied to my escrow balance, which has caused my monthly payment to increase by over XXXX , because by them overpaying the taxes, it wiped out my escrow balance. My complaint is that it has been over 2 months since they received the check according to my County Tax Assessor, but Freedom Mortgage has no knowledge of the refund being received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Waypoint is reporting a debt on my credit file. I called and tried to settle this account multiple times but every time i call in they can not find my account. I have tried to contact them a handful of times and each time they can not find me in their system. This collection is affecting my credit score and it is very import that i get this paid but if they can not find me in their system then i need this account removed from my credit file. I have also disputed this account with no response from the credit bureaus or the creditor. I need this collection removed from my credit file.
Product: Debt collection

Someone committed fraud by using my name and collected these online payday loan my husband took off to Alaska, now I left clearing up my credit,, my lawyer XXXX XXXX in XXXX, Ohio if you need to contact
Product: Debt collection

I received an alert notification from XXXX XXXX today ( XXXX ) stating a collection agency was on my XXXX report. SEQUIUM ASSEST SOLUTIONS, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. Phone # XXXX. Amount {$260.00}. Company XXXX XXXX. went to collection XXXX. 

I have not received any correspondence from above nor made any purchase with XXXX. I did try calling Sequium got a busy signal. I check online and it's appears the company may be fraudulent. 

XXXX wasn't able to provide any information XXXX I opened a fraudulent claim regarding this.
Product: Credit reporting or other personal consumer reports

I have communicated with TransUnion prior to date of : XX/XX/2024 in which, I have challenge the accuracy of 'two accounts ' that have been on my TransUnion Credit report ( given to me by TransUnion ). 

XXXX has Investigated the same incidents below and have 'REMOVED AND DELETED ' the Inaccurate information ( see attached ) these two accounts are : XXXX. XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX CA XXXX, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ''I DO NOT HAVE A BINDING AGREEMENT NOR A CONTRACT WITH THE TWO ABOVE ACCOUNTS ''. 

On XX/XX/2024 TransUnion has updated those two accounts ( please see Uploaded documents ), thus Proving that TransUnion has been REPORTING INACCURATE information prior to date : XX/XX/2024 in which has been Violating my rights under the following : My rights have been violated : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer.

15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

TransUnion is reporting Inaccurate information pertaining to my 'Last Name associated with my Social Security Number '
Product: Credit reporting or other personal consumer reports

Your allegations have disappointed me, and I am dismissing them because you have not provided any substantial evidence to back them up. Dispute these accounts, please! Alternatively, I'll be suing you for a remedy. Anger, displeasure, discomfort, and open frustration. These feelings are the result of your bureau 's excruciatingly sluggish reaction to my identity theft allegation as well as its persistent denial. It's important to emphasize that this is a terrifying scenario. The amount of damage to my financial security and mental health that has resulted from dealing with unauthorized accounts and activities is immense. The emotional whirlwind I've experienced is quite upsetting. I beg you to look into these issues thoroughly as soon as possible, take the bogus accounts off my credit report, and assist me in getting my financial situation back on track. As a victim of identity theft, I'm not requesting preferential treatment ; rather, I'm requesting what is legally mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX. I anticipate receiving a formal acknowledgement of my dispute letter along with a definite promise to look into my identity theft allegation as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear, Experian I am writing to formally dispute and request a resolution regarding financial losses incurred by [ Company Name ], which is insured by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ), due to a data breach that exposed sensitive financial information. 

Details of the Issue : Date of Data Breach : XX/XX/XXXX and XX/XX/year> Nature of Exposure : Explain how the data was exposed and the financial impact ] The data breach resulted in unauthorized access to critical financial information, leading to unauthorized credit activity, or loss. Given the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant regulations, the reported information stemming from this breach is inaccurate and must be addressed. 

I formally request that requested resolution, removal of inaccurate information, correction of financial records, or reassessment of liability. Additionally, I ask that an investigation be conducted to ensure compliance with all applicable regulations and protections under the XXXX policy. 

I have attached relevant supporting documentation, including information such as breach notification, insurance policy details. 

Please confirm receipt of this dispute and provide a written response detailing the steps taken to resolve this matter. If further information is required, I am available at the contact information provided above. 

Thank you for your prompt attention to this urgent matter.
Product: Student loan

I've tried calling AES multiple times and messaging via their website and XXXX in the last 7 days. No direct reply. They are sending out stock answers to people saying that they are a commercial lender that does not have to comply with the CARES Act. They are refusing to stop interest and will only offer 90 days forebearance. They consolidated my federal student loans, I had no choice In the matter. They are skirting law yet brag about being an officially designated FEELP servicer right on their website. Please help!
Product: Debt collection

XX/XX/2021 Professional Debt Mediation, has placed two ( 2 ) accounts on my report and they are duplicates with different amounts and false amounts. Inaccurate information is being reported on my credit report from this co.
Product: Credit reporting or other personal consumer reports

I am absolutely furious! This identity theft nightmare has cost me THOUSANDS of dollars and left me with wrecked credit! How much longer do I have to wait for XXXX, TransUnion, and XXXX to get their act together on this investigation? This is unacceptable! I need answers and a resolution NOW! 

Listed in the attachments are police reports ftc reports bbb reports denials of credit accounts that were unknowingly or fraudulently opened and that I didnt receive any benefit from.
Product: Debt collection

I was notified to return cable companies equipment. I was told once I return the equipment that my account would be up to date and satisfied. After returning the equipment I was then sent bills that I know was not mines. I received numerous phones calls and letters and visits from the cable company that was at unreasonable times and felt very intimidated by. I repeatedly discussed with representatives about pulling up recent voice recordings because I was told that there would be a voice recording with the day i was told returning the equipment would satisfy the account, If i was lied to, then that is a violation of my consumer rights, which they have done. I am requesting compensation for the harassing phone calls, the debt collection letters and the negative addition added on to my credit report by XXXX, XXXX, and XXXX XXXX. I request compensation and or immediate removal of this negative account on my reports asap.
Product: Credit reporting

There are XXXX accounts on my credit file that are over the time frame of 7 to 10 years allowed by the FCRA for reporting. I have disputed these entries to no avail and have not been given a reason for them remaining on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My insurer provided me with information from my report that is incorrect, I have two accidents in 2019 that state I am at fault and are damaging my credit to obtain a good insurance rate. The first one in XXXX a lady rear-ended my car and there was no injury, and, in the record, they pulled from XXXX XXXX has me at fault. The second one is in XX/XX/2019, my son back up in my driveway hitting a tree and I went through the insurance for an estimate and did not go through with the claim, not knowing that would be in my record as it did.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts off my credit file from XXXX Equifax and XXXX XXXX immediately. 

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 or other personal consumer reports

XXXX XXXX XXXX XXXX This account is currently under dispute under dispute Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$430.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$430.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Historical info Original creditor XXXX  Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$430.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, KS XXXX Your statement