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

My husband XXXX XXXX entered a contract with an auto dealer in XXXX, California. The vehicle he was approved for at purchase was financed with Santander for a XXXX XXXX and the amount of approved loan was for approximately {$30000.00}. In 2014, at the time of purchase, my husbands yearly income was {$6200.00}. My husband was also diagnosed with early stage XXXX. My husband was not financially capable making monthly auto loan payments for a {$30000.00} vehicle. His mental state, and financial state makes it impossible for him to be approved for this auto loan. In other words, why was he granted this loan? 

His judgment was impaired at the time of purchase. Based on my husband need to purchase vehicles he can not afford my this loan predatory lending, an unscrupulous actions carried out by a lender to entice, induce, and assist a borrower in taking a loan that they otherwise are unable to pay back reasonably. This is my third attempt to have the amount appearing on my husbands credit report removed and the contract null and void. I had the vehicle be returned to the auto dealer. 

Sincerely, XXXX XXXX XXXX Rep Payee for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

the collection name is CONVERGENT OUTSOURCING. Account number XXXX Date opened XX/XX/2019 amount {$760.00} some one stolen my identity, and open a fraudulent account with XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts 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 any acccounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files.

DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I purchased furniture from XXXX XXXX in XXXX XXXX XXXX, Florida. Which it cost {$1300.00}. I put down {$650.00} which only owing {$670.00}. I was at work the young lady did everything over the phone. I didnt sign Lease agreement. Which asked for proof of signature? They wouldnt evening send it to me. They have reported improper information to credit bureaus say I {$870.00}. One I dont owe that because the young lady said 90 days same as cash. Which I thought I was paying XXXX XXXX not Preferred Leasing. Not mention they reported I was late on XX/XX/XXXX when this account has been closed since XXXX of XXXX. Which I will upload all documents. Attached is the document that I received from XXXX XXXX no Lease Agreement. And highland all payments that have been made adding up to {$670.00}. I want this information to be removed and deleted from my credit file ASAP. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries I have not authorized on my credit report with transunion XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
Please remove the following inaccurate address from my credit report : NATIONWIDE CASSEL LLC # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. XXXX XXXX XXXX XXXXXXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. 
XXXX XXXX XXXX Please verify this account Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX
Product: Debt collection

I obtain a copy of my credit file and found the following as an error. 
Please verify or validate this debt. if not please remove from my credit file 1. Creditor Name : XXXX Date : XX/XX/2019 Amount : XXXX
Product: Credit reporting or other personal consumer reports

Made complete payment of XXXX $ and XXXX $ payment to XXXX XXXX XXXXXXXX XXXX And under 20 % utilization. 

In addition made a payment to self credit card XXXX XXXX XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a car loan from Carmax XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My XXXX report has a different closing month of the account along with an extra month of payment reported. My XXXX report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. XXXX reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of XX/XX/XXXX. Most importantly I have obtained a full payment history from the Carmax website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. 

The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.
Product: Debt collection

I had an open car loan with ally financial in XXXX, I filed for bankruptcy in XXXX and reassumed to debt with ally so I didnt have to forfeit my vehicle. In XXXX I got into a car accident and totaled out my car, in which XXXX insurance paid the remaining balance covered under my auto insurance gap coverage. Therefore the outstanding balance was satisfied however Ally financial has still been reporting the debt that is no longer owed
Product: Bank account or service

At this point I do not know who to hold responsible ; however, I 've worked extremely hard build my credit. My hard work only means something to me and not to the companies that I 've allowed to retain my earnings. I 'm upset and I 'll continue to escalate and complain until change is made with the unregulated credit reporting agencies. People who file bankruptcy have more of a fighting chance for additional credit than someone who 's spent the last few years making on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

NO! I'M NOT DISPUTING THINGS WITH YOU! XXXXXXXX XXXX! YOU SCAMMED ME! YOUR AGENCY IS COMMITING FRAUD! I AM NOT GOING TO INTERACT WITH YOUR PROCESS! XXXXXXXX XXXX! PAY ME NOW! I'M GOING TO SUE XXXX XXXX XXXX XXXX YOU! WHAT PART OF CEASE AND DESIST DO YOU NOT UNDERSTAND!? TOTALLY INAPPROPRIATE RESPONSE. AGAIN!
Product: Debt collection

On XX/XX/XXXX I had an on the job injury to my left shoulder. Upon the surgeon 's request on XX/XX/XXXX, I was sent to XXXX XXXX for an XXXX XX/XX/XXXX. I received a bill for {$1100.00} XXXX of XXXX that I forwarded to Department of Labor. XXXX of XXXX I was notified that this bill was in collections held by Americollect. I sent them a certified letter asking for verification. Nothing was provided. I called to let them know this was a Workman 's Comp case and in turn I received another bill. I have reached out to XXXX XXXX and they have confirmed that this should not be a collection under my name. In the meantime, Americollect is continuing to report negative information on my credit report. This erroneous information is inconveniencing my military security clearance.
Product: Debt collection

Representative named XXXX called my cell phone without authorization failed properly identify right party and herself or company. The representative XXXX called my cell phone number without authorization on a predictive dialer and I incurred charges as a result. This is a violation of the FDCPA. In addition the rep failed to properly identify her self or the company or the right party. When I asked for her to provide the company name and her name she became very rude and unprofessional and terminated the call in the middle of the conversation. When I called back I asked to speak to supervisor whom was also reluctant to provide company name and his name, then he concluded by removing my phone number and ensured there would be no more calls.
Product: Prepaid card

I received a {$2000.00} AMEX gift card from my employer I activated it per the instructions and saw that I has the correct balance.

I tried to order some car parts from a US based company called XXXX XXXX which I have used in the past with my normal debit card. 

I went to check out and gift card was declined. I tried two more times ... they were declined too. When I went back to check card balance I saw 3 {$0.00} transactions being held by XXXX XXXX I contacted XXXX XXXX and they said because the order did not go through it must be the card holding the XXXX cents. I called the AMEX Gift card number and was helped by an ( obviously ) overseas agent who said it was a formality and the funds would be returned on XXXX XXXX. 

I tried a different parts company online and the same thing happened. Card was declined. 

I fell AMEX is being deceptive in their advertising and the card is essentially worthless if it can not be used online.
Product: Money transfer, virtual currency, or money service

I received a call from a phone number that was directly linked back to XXXX. A person answered and asked me if I was aware of fraudulent activity on my account. This person gave me details about my XXXX account all of the transactions that I had I was able to see him read it back to me while I open my app all current transactions he told me that they were trying to take money from my Zelle account and they had made a transfer when I opened my account it showed on there so he told me in order to get it back to your Chase account. You have to Zelle back your money to your XXXX account which was around {$1200.00} and whenever I did that the phone call was disconnected. I reached out to XXXX XX/XX/XXXX and they told me they could not do anything about it because I authorized it. I then discussed with them how they were able to get all of my information from my XXXX account which was supposed to be protected. He said that hes not sure what I was talking about. I told him that this person had access to my XXXX account and all of my transactions and information and he said that there was nothing I could do about it. He opened up a claim they returned my money, then the claim close and they took back the money and then suspended my Zelle account. I was left with a XXXX dollar balance in my XXXX account for a good while.
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the TRANSUNION for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/2024, XX/XX/2024 and XX/XX/2024, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a inaccurate payment history and its violation of my consumer rights and the fair credit reporting act 15 usc 1681s-2 account says charge off and at sametime saying current please delete this account from my consumer reports
Product: Mortgage

We have applied for a loan to refinance our home. In XXXX XXXX, we had to file Ch XXXX Bankruptcy to stop foreclosure of our home due to tremendous loss in my income due to economy. At that time, we were behind on our mortgage with National City Bank and they had started foreclosure proceedings. Of course repayment of all payments in arrears to National City Bank was a part of our bankruptcy payments made. I have confirmation from my bankruptcy attorney that we started that process on XXXX/XXXX/XXXX as ordered we paid all payments in arrears with NO delinquent payments during bankruptcy repayment. Our bankruptcy was discharged on XXXX XXXX and by that time we were current with our mortgage which was by then sold to PNC Bank. On our credit report now it shows that we were still in foreclosure after the completion of bankruptcy when we were current on our loan. The credit report now shows us in foreclosure for months XXXX XXXX to XXXX XXXX. We wrote to PNC mortgage and they said we were referred to foreclosure on XXXX XXXX, XXXX and removed from foreclosure on XXXX XXXX, XXXX. How can they keep an account in foreclosure status when they have agreed to accepted the payments for all payments in arrears as per bankruptcy documentation and we were current on our loan since XXXX XXXX. The fact that we are shown as in foreclosure after the bankruptcy means for us that we can not re finance our home for 3 years after they have removed it from foreclosure which means XXXX of XXXX. I think this is UNFAIR to consumers and see no reason why our account was held in foreclosure after receipt of deficiency and payments made as agreed.
Product: Debt collection

when reviewing my XXXX XXXX account I noticed that there was a credit report from XXXX for the amount of XXXX. I called XXXX to see what this account was in reference to, they stated this was a cell phone bill, Which I have never has a cell phone with XXXX that was not pre-paid. they stated it was short term account I ask if they had my signature or Id on file they stated they could not give me no information because they transferred the collection over to Jeffery Capital System lLC. They gave me the number. My first attempt was to despute on XXXX XXXX which they denied. I than Reached out to Jeffery Capital on XX/XX/XXXX to try and resolve the debit, Because I am working on my credit score to purchase a home. I spoke with XXXX who stated that they could reduce the Bill to XXXX dollars if paid in full, I requested that they send me a letter with the company letter head stating if I was to pay this Debt in the amount of XXXX they would take the collect of XXXX off of my credit report. The response I got was " we are unable to do this. '' I did not at this time feel comfortable paying this amount without it in writing, providing that I do not believe this was my debt in the first place. 
On XX/XX/XXXX I tried calling the Company again to settle the debt once again because this is affecting my credit score, I spoke with XXXX Who stated that the debt was no longer with them, she would give me another number to call. Which I was never notified that this has been transferred. On my credit report it has Jeffery Capitals system LLC as the debt collector.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

They called my work place 3 times. The 1st time I told them I that I can not take phone calls at work and to not call me at work. The next day they called me at work AGAIN.. I told them once again to not call me at work..3rd time, the next day the still called me a work thus causing me to get into trouble with personal phone calls.. I called them back from my cell phone during my break and told them they caused me to get into trouble for calling me after I told them not to call me at work.
Product: Debt collection

Account name Mercantile adjmnt original creditor discount power which is a light company sold my information that they didnt supposed to do. The keep reporting this account to the credit bureaus thats not right The information is not accurate I can not have two light company serving my address at one time I have a contract with another company My contract expires with discount power my account # is XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to notify you that I have fallen victim to fraudulent activity. In my efforts to understand how to remove fraudulent items from my credit report, I learned that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As stipulated by FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, with reference number XXXX. The attached documents should facilitate the removal of the fraudulent accounts, erroneous personal information, and inquiries from my report. Below is a list of items that were added without my authorization : EXPERIAN : XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; CHRYSLERCAP XXXX Balance : {$8800.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$660.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX Balance : {$420.00} ; XXXX  XXXX XXXX Balance : {$780.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX Balance XXXX {$8800.00} ; XXXX  XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX  XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$2000.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$1800.00} -- -- -- -- -- -- XXXX -- -- -- -- -- -- XXXX : XXXX XXXX Balance : {$8800.00} ; XXXX  XXXX XXXX XXXX Balance : {$460.00} ; XXXX BANK XXXX XXXX XXXX : {$660.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX XXXX Balance : {$780.00} ; XXXX  XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$840.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$7100.00}. Per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receiving the request.
Product: Debt collection

I had an accident at my job almost a Year ago they took me to the emergency room to check on me, months later I got a letter showing how much i Owe the dept collector I have try using my insurance it Didnt cover it so I talked to my managers about the issue, I called the debt collector to let them know it was supposed to go in my workers comp they told me i needed to get the imformation about the workers comp so it can get paid, I asked my manager the imformation and they have told me to give them debt collector my case number and the phone number to contact the people so my debt could be paid, they said they couldnt do that and arent supposed to call anyone and Hung up, I mention this to my managers they tried to call them and told them about it but they Hung up on my managers so they tried again and my managers told me i dont have to worry that my dept would be paid, weeks past and it still shows that I still owe them money and I dont know what to do, my managers told me this is the only way I can pay my debt and the bill wasn't supposed to be sent to me it was supposed to be sent to my workers comp.
Product: Credit card or prepaid card

I called XXXX and made a payment and closed the account, now Im receiving emails about owing them and they keep adding more late fees to the account and no one is trying to help, theyre saying theres nothing g they can do because the account is closed.
Product: Debt collection

receiving calls on someones dept on my phone from contact callers int. XXXX
Product: Credit card or prepaid card

i mr XXXX XXXX was travelling my XXXX car no. XXXX i lost my credit card of citibank so i want to contact driver please help me out my number is XXXX