23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022, XXXX XXXX put a {$250.00} collection on my account. I have no idea who XXXX XXXX is and I don't owe anyone any money. Lastly, no attempt was ever made to contact me by XXXX XXXX. Please remove the XXXX XXXX illegal collections account from my Experian credit report. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX
Product: Vehicle loan or lease

This complaint is about " Credit Acceptance Corporation " auto loan that is on my credit report, of {$6000.00} of loan initial balance {$8200.00} down payment of XXXX and total of {$9200.00} whit that was paid in full and paid off on XXXX date XX/XX/2021. I was illegally charged a fianc charge of extra " CASH '' down payment BY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL in which the finance charge is supposed to be the sum of all charges, and i was forced to get insurance before leaving the car lot by both Credit Acceptance Corporation and dealership who are uncontract with one another and are business partners. 15 USC 1605 defines finance charge. 12 CFR 1026.4 says finance charge should be included. b ( 8 ). A charging a down payment where no cash should have been included is a violation of TILA 15 USC 1638 ( a ) ( 2 ) ( a ). and is misrepresentation the amount financed. Allegedly if the bank also required a down payment, it should have been in the finance charge. 15 USC 1662 averting of downpayment 12 CFR 1026.24 ( d ). H-1- credit sale model form has different charges then fianc charges allegedly. When the fianc charge is the sum of all charges? whereas i was forced to get insurance and pay extra down payment by seeing me as east prey. This is also a violation of the consumer credit contract 16 CFR Section 433.1 ( c ). and violation of 15 USC 1681s - 2 ( a ) ( 1 ) ( bii ). for false and inaccurate information. More importantly as they are civil liable and criminal liable to me under TILA violation within its own contract and a department policy violation and fraud for insurance violation within the auto loan car contract where i was forced to get insurance before i drove off the car lot, and it was not included in the finance charge. I was taken advantage of as so as my mother who was over XXXX XXXX XXXX as the co-signer. i state a claim under USC section 1640 as all parties are Incahoots with each other and under contract, by using as fraudulent scheme to deceive consumers, such as me who is an XXXX with a XXXX under the XXXX also and taking the advantage of a person XXXX XXXX XXXX XXXX XXXX  15 USC also states Civil lability provided in this section to any creditor who fails to comply with any requirements imposed under this part, including any requirement under 1635 of this section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or F of this subchapter with respect to any persons liable to such person. under 15 USC section 1640 - civil lability -1635 ( f ) ( g ) 0f 1641 Credit Acceptance corporation and dealership labial under downpayment of joint contract complain tent states CLAIM under 12 CRF 1026 has requirement and violation where they are civilly and criminal liable, this is a CFPB, CFRA, TILA and FDCPA violation and any unknown to me at time of complaint filed. I was also subject to Racial Disparities of overcharging, and paying double the amount the car was valued and sold for
Product: Debt collection

Original purchase amount in XX/XX/XXXX was {$8500.00}. 
Car was repossessed in XX/XX/XXXX with only one payment of XXXX not paid. 
They are reporting that I owe XXXX on a car that I do not have and didnt originally cost that much and almost a year payments paid on.
Product: Payday loan, title loan, or personal loan

Self financial inc/LEA XX/XX/2021 {$110.00} I called company to try and get them to understand that I dont owe them any money they told me they will look into it and never got back to me
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I attempted to 'freeze ' all three of the credit reporting companies- XXXX XXXX XXXX and TransUnion . I was able to do the FREE freeze easily with XXXX and XXXX. Both companies were able to find my information correctly because I have had accounts with all three companies for years. I have frozen and unfroze my accounts multiple times throughout the past 20 years. Today I typed " transunion freeze '' in XXXX search and https : //www.transunion.com/credit-freeze was the first website I came upon. I entered prior username and password which did not work so I attempted to retrieve my information. The website could not find an account which I thought was odd but my last name has changed in the past 20 years and I have recently moved in the past 2 years so I thought maybe the current information I'm submitting can't connect to my prior account. So I sign-up in hopes it'll connect to my prior account. At the end of the sign-up process, it asks for my CC which I find odd but think well I guess they need it on file in case I want any of their paid services. I clicked continue and was automatically charged {$29.00} with no real notification of why I was being charged. I immediately contacted live chat since it's Sunday and connected with line agent " XXXX. '' He helped get me a refund and cancel my membership and then gave me the direct link to the 'free ' site to do the free freeze : XXXX XXXX XXXXtransunionXXXX I went to this site and it LOOKS SIMILAR AS THE PAY SIGHT. I couldn't believe it. I attempted to go through XXXX again and see if I was just not paying attention when I attempted to freeze my account with TransUnion and it continued to direct me to the PAY sight every time. I was floored. I'm an attorney and have worked as a Deputy Attorney General in consumer services litigating deceptive consumer acts. THIS ACTION BY TRANSUNION IS DECEPTIVE. I admit I may not have read all the 'fine print ' because I have an account and I trusted a credit bureau to be able to connect my information when I submit it to an account ( which included my SSN and DOB ). TransUnion consciously directing unsuspecting clients to the pay sight is unacceptable. There should be a ( XXXX ) disclaimer that is VISIBLE, or a box to check prior to signing up for the monthly membership, ( XXXX ) the pay and free websites should NOT look so similar ; and ( XXXX ) the pay site should be connected to the free site in some way so when I submit my personal information in order to locate my account that I have had for the past 20 years, then the pay site should be able to locate my account or direct me to the free site. I'm so furious this happened to me - a well, educated attorney. I can't imagine how many people this happens to!
Product: Money transfer, virtual currency, or money service

PayPal has been harassing me non-stop over the last year with constant methods of trying to steal my money in addition to their exhorbitant processing fees they charge ( 30 % versus regular 1-2 % by merchant services ) because they say their internal security model is so superior they say. However for no reason and out of the blue today I got an email that says their going to seize a huge portion of all my credit card transactions to " build up a reserve '' even though I 've never had a chargeback against me and I 've made them a ton of money in fees over past 1 year. Please investigate them aggressively and get this nonsense off of my back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a dispute mailed to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX TX XXXX. In regards to incorrect and non accurate information being reported to my credit file. It was received and signed for by one of the companies representatives on XX/XX/2018. I have not received any such rebuttal for the claims that I marked invalid on my report. I contacted them again and they still refuse to remove or correct the issue at hand. I was told that they never received the letter however I have the documentation showing that it was signed for and accepted by one of their representatives.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report.

The following late payments are reporting inaccurate and therefore need to be reinvestigated.

Inaccurate late payments and incorrect and incomplete information 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS 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
Product: Student loan

I have graduated in 2010 and have struggle finding a career in my field for XXXX XXXX. I owe alittle above $ 40K in loans and I struggled for 8 years trying to figure a better system. Defer and Forb doesn't work in my favor. I have a XXXX XXXX XXXX for nothing when graduating. 

Interest occurs when trying to pay as much as I can. I get garnishment and it sucks not able to achieve living a life being poor.
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, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items 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 remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00}
Product: Money transfer, virtual currency, or money service

I was the victim of cybercrime and fraud. Withdrew cash and sent to scammer via XXXX under threat of legal action. XXXX customer service was unable to help by freezing or canceling transactions. Scammed out of almost XXXX.
Product: Payday loan, title loan, or personal loan

I filed for bankruptcy XX/XX/2018 XXXX Sun Loan was a part of this bankruptcy and will need to be removed from my credit report and ONLY listed as an account under my bankruptcy discharge as a closed account. Please correct this issues immediately. It is my right to file a complaint for reporting false information according to the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Debt collection

Debt was not mine based on credit report account # XXXX medical data systems I {$620.00} amount reflecting owed I tried contacting number phone at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I open a new account with American Express in XX/XX/XXXXand has made over Four payment which has not been reported to the credit report bureau. 

American Express are not reporting accuracy information to the credit bureau.
Product: Credit card or prepaid card

I reported the Fraud transactions to First Hawaiian Bank but they are refuse to help me because it passed the timeframe. 
They have told me that they tried to contact me many times with suspicious activities but I did not receive any calls or letters from them. And they authorized transactions without talking to me or my approval. 
Those fraud transactions happened in XXXX and XX/XX/XXXX, when our accountant is on leave because of positive XXXX last XX/XX/XXXX. And we noticed the fraudulent transactions last XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I AM INQUIRING ON THE NEGATIVE ACCOUNTS THAT ARE STILL CURRENTLY REMAINING ON MY CREDIT REPORTS WITH XXXX  AND TRANSUNION. I'VE HAD ALL THE XXXX  ACCOUNT REMOVED DUE TO INACCURATE INFORMATION AS WELL AS THE XXXX  COLLECTION ACCOUNTS WHICH DO NOT PERTAIN TO ME. I DEMAND TO KNOW THE REASON WHY TRANSUNION AND XXXX  HAVEN'T SENT ME ANY CORRESPONDENCE REFERRING TO MY INVESTIGATION WITH THEM AND I HAVE YET TO RECEIVE A RESPONSE AS TO WHY THOSE REMAINING ACCOUNT ARE STILL REFLECTING. I'VE SENT THEM A LETTER IN ORDER TO DISPUTE THE INCORRECT INFORMATION AND NEED TO KNOW WHY ... ...
Product: Credit reporting or other personal consumer reports

I have been trying to reach Experian online, by mail, and by phone. I haven't been successful with reaching anyone. I haven't been able to access my consumer report due to the wrong number that is listed. I would this information so that I can have access to my consumer report.
Product: Checking or savings account

ISSUE : Unable to access my deposit balance of over {$84000.00} after repeated attempts for over 8 months. 

Background : I am an XXXX XXXX XXXX and was the victim of a identity theft scam. In XXXX XXXX XXXX  I realized that my personal information, including bank account information was potentially exposed. On realizing this, I called and placed a freeze on my Marcus account to prevent any losses from unauthorized withdrawals. 

Subsequent to the freeze being placed, I called the Marcus help line repeatedly to unfreeze my account and set up new login credentials. With each attempt I was met with service representatives who either could not assist me or would not follow through the necessary steps to resolve my issue. 

The Marcus help line has indicated that I need to manually complete a notarized Affidavit of Identity, however when I request that they mail that form to me, they indicate that they will but it never arrives. I have confirmed my mailing address with them several times and have requested this form several times and am still waiting to receive it. 

I independently found an older Affidavit of Identity form online, filled it out, had it notarized and submitted it to them. The help line indicates they received this from but that it is not valid as it is missing something. They will not specify what it is missing, and I continue to wait to receive their original promised form in the mail. 

Since Marcus does not have any physical locations, I am limited to calling the help line. The failure of this model is that I am forced into talking to a different person each time I call. And the help line employees indicate that they are prohibited from calling me or personally following up with me in any other way. Thus it has been impossible to get a resolution to my issue. I simply get told that the form is in the mail and to wait for it. 

I am on a fixed income and in need of access to these funds. This issue has caused me no small amount of concern and stress, and the longer this issue continues, the more concerned I become.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already informed you that the items included in the letter I submitted were erroneous and inaccurate. I feel betrayed because the items are still there on my report after your investigation.
Product: Debt collection

I am a veteranXXXXgovt employee working in XXXX XXXX XXXX   Hospital XXXX XXXX. I do not have responsibilities for any bills. The VA is my insurance company. The City of XXXX XXXX sent my bills to XXXX XXXX XXXX XXXX XXXX Fee Basis   sent invoice for my bill for payment To XXXX Texas XXXX for date of service of XX/XX/XXXX. The confirmed electronic check # XXXX XX/XX/XXXX was sent to City of XXXX XXXX. My file had XXXX Balance. No account was ever sent to collections for any reason. ( Confirmed ) The City of XXXX XXXX started outsourcing billing XX/XX/XXXX according to my research. 
I received this information from agents still working with files before XX/XX/XXXX. I have been working on improving my credit score since my illnesses. I checked my report and this collection has been on my report since XX/XX/XXXX. 
I am very very disappointed and upset. The information is incorrect & should not be there. I did not receive any notice. Im concerned there have been more files in collections being billed twice through Dept of Veterans Affairs. 
I have tried giving all this information to CLARK COUNTY COLLECTIONS AGENCY   without resolution. I would like my score to be returned back and this to be remove from my credit report. I would like an audit of files sent to the from City of  XXXX XXXX about Dept of Veterans Affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corp has reported this negative account on my consumer credit report. I am not associated with the person named on the account for the amount of XXXX. I have already disputed this with XXXX along with other negative accounts associated with the same people. This account is being reinvestigated and all other negative accounts that I have disputed as of XX/XX/XXXX have already been corrected from my credit report. My credit has dropped significantly due to these credit reporting errors that continue to be associated with my first and last name. The addresses and phone numbers on my credit report were corrected today XX/XX/XXXX and will be updated within the next 72 hours. These credit reporting issues occurred back in XXXX with the same people being associated to my credit report and I had to report all this to XXXX that many years ago. They are reappearing once again and this is negatively effecting my credit. The time and effort to dispute these accounts has been exhausting. Please take care of this ASAP!
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Received letter from Maury Cobb Attorney At Law LLC- trying to collect a debt. That is not our debt, called them to let them know that the person to which debt belongs to does not live here nor has never lived here. They did not let me explain this and they hung up the phone on me, I tried to call them again to explain and was hung up on again. The Letter is addressed to XXXX XXXX which is my husband 's name XXXX XXXX but he is XXXX, the debt is for XXXX XXXX XXXX. When we first received a letter from XXXX to whom the debt is with. We called them to inform them that the Debt was for XXXX XXXX XXXX, who has never lived at this address, to please correct there records. Please Help me with this matter for obviously the staff at the Law Office was very rude and did n't let me explain this. I did n't want to speak about the debt for this is not our business, just to let them know that this person does not live here and has never lived here, They need to stop sending this letters to my home. I received the letter on XXXX/XXXX/2016 and called them this same day. If you would like I can e-mail or fax the letter to you. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I've provided the police report to Transunion informing them of the item on my credit. I was informed that it would take 72 hours for the items to be removed. I sent in my ID social and bill by mail and on the site. What is going on? Why are they saying that I need to send in my ID social and a bill again? I sent it in already. 
Remove XXXX XXXX from my report.
Product: Mortgage

After having been discharged 7 years ago for Bankruptcy chap 7 my loan servicer does n't want to report it to the credit reporting agency. I have asked to be reinstated in form of signing or writing a letter of reinstatement but they have not acted on it. This caused me to be denied for an FHA refinance. FHA requires that I have my mortgage loan reported to the credit bureau for my situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 these ACCOUNTS : Public Record : XXXX  Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, 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.