23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2015 I purchased a vehicle. The loan was with Southwest Acceptance Finance, one month after my purchase I suffered from a XXXX XXXX. I had no other option but to voluntarily give the car back to the dealer, since I could not work any more and was forced by life circumstances into XXXX  XXXX. The original balance was {$14000.00}. Since 2015 the auto balance has not updated on my credit report with XXXX, It also shows I have a monthly payment with Southwest Acceptance Finance of {$430.00} which is incorrect since the car was given back and resold. I have never received any documents about the sale of the vehicle at auction. I have disputed this account directly with XXXX  and Southwest Acceptance Finance with no resolution, the account does not even show that it has been disputed. Every-time I try to get in touch with Southwest Credit Acceptance, they give no help and are very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX and Transunion This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX from XXXX XXXX XXXX ( phone XXXX XXXX  XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from XXXX XXXX  saying that I have a new inquiry. I checked my credit report and I noticed that XXXXXXXX XXXX XXXX pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of XXXX XXXX XXXX from XXXX, transunion and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that XXXX XXXX sold my information and thats how XXXX XXXX XXXX  accessed my credit information. Im attaching a copy of the police report of identity theft, Please, as a credit company they have to protect us/ but I feel unprotected, I am already having serious problems because my identity was stolen, I have a fraud alert in the three credit companies/ but I feel that this does not stop the criminals who want to continue robbing me blood, this whole identity theft case has me completely unprotected.
Product: Mortgage

Bank of America is guilty of conducting XXXX without the authority to do so. In this instance, Bank of America has failed to properly execute and record any mortgage related document by associating the document with my private property and home. Specifically, only XXXX properly executed and recorded document has been associated with the assigned assessors ' property number ( APN ) of the subject property. Therefore, no default can be had or may be claimed on the recorded XX/XX/XXXX Deed of Trust. 

Just to be clear, neither Bank of America or XXXX ( XXXX ) hold the power of sale under the XX/XX/XXXX Deed of Trust in which the XX/XX/XXXX Notice of Default ( NOD ) and the XX/XX/XXXX Notice of Trustee Sale ( XXXX ) has been associated with and recorded as the XXXX is incorrect as it appears on these and other documents recorded since XX/XX/XXXX by Bank of America and their representatives, including the currently named trustee, XXXX. From this date forward, Bank of America and XXXX can no longer claim ignorance as to this fact. Any action from this point forward is fraudulent in nature and scope as well as evidence of a XXXX ( XXXX ) banking, mortgage, and real estate enterprising scheme intended to defraud honest, law abiding, and unsuspecting good folk of their homes. 

Since beginning the loss mitigation process with my request for mortgage assistance ( RMA ) in XX/XX/XXXX, Bank of America has done everything to separate me from my home.rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( XXXX XXXX. Bank of America continues to refuse to make the requested corrections of the errors made knoen to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX and I'm from XXXX I'm using PayPal to transfer money and take payments from my clients more then 8 years but last 2 years their AUP ( user agreement policy ) was changed without any notice or email last year they start transfer any monies under AUP break or damages ... They took XXXX usd from my account without any notice or reason I'm still trying to contact them but no phone or email is replying my PayPal account email is XXXX Thanks.
Product: Credit reporting or other personal consumer reports

I am formally disputing an entry below on my credit report issued by your agency. By my rights under the Fair Credit Reporting Act ( FCRA ), I would like to ask for an immediate investigation of this entry as I believe that the information has been placed on my report without permission or my explicit consent, violating my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lack of Permissible Purpose : According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain conditions, such as when there is a legitimate business need or express permission from the consumer. However, the entry in question does not meet these criteria, and no permissible purpose or consent was provided by me for the inclusion of this information on my credit report.

The law is clear : Under 15 U.S.C. 1681b ( a ), consumer reporting agencies are prohibited from furnishing a consumer report unless the party obtaining the report has a specific purpose authorized by the consumer or the law.

Additionally, 15 U.S.C. 1681b ( f ) states that any user of a consumer report must certify the permissible purpose for which the report is being obtained.

In this case, I did not authorize any such inquiries or accounts to be added to my credit file, nor was any permissible purpose legally justified. As such, the inclusion of this information is both unauthorized and unlawful.

Violation of My Consumer Rights : Furthermore, under 15 U.S.C. 1681n and 1681o, any willful or negligent non-compliance with the FCRA entitles the consumer to statutory damages. The failure to ensure that only authorized parties have access to my credit report, or that inaccurate information is being reported without verification, places your agency in direct violation of these sections of the FCRA.

Action Requested : I am requesting that your agency : Remove the unauthorized or inaccurate information from my credit report immediately.

Provide written confirmation of the investigation process and the outcome within 30 days, as required by law.

Please note that failure to correct this violation of my rights under the FCRA may result in legal action, where I may seek damages for the unlawful reporting of unauthorized or inaccurate information. 

Thank you for your immediate attention to this matter. I look forward to your timely response and confirmation that this issue has been resolved.
Product: Credit reporting or other personal consumer reports

As I am looking at my consumer report. I see that Equifax has not only failed to do an accurate investigation but they have also not responded to my request of method of verification that I asked for regarding accounts : XXXX XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/2023 Current Status : Open : XXXX  XXXX XXXX late payment XXXX. XXXX XXXX  Acct # XXXX XXXX. XXXX of XXXX XXXX Acct # XXXX is reporting a XXXX, XXXX, XXXX, and ND ( No data for this period ) delinquency late payment ( XXXX ). XXXX XXXX  XXXX XXXX  Account # : XXXX status : Derogatory/Charge off XXXX XXXX  XXXX XXXX  Account # : XXXX Account status : Derogatory/Charge off. Not only did I request that but they did not warn me ahead of time that they were going to report this and I did not give them written or expressed consent to do so. They are violating my consumer rights and SO MANY levels. They are failing to accurately report information on my consumer report and everything that is inaccurate will now be listed and shown since they did not do their job. Due to the fact that these accounts were not corrected, they violate FCRA and they are in violation of the law. These violations include but are not limited to : 15 U.S. Code 1681b 15 U.S. Code 1681o 15 U.S. Code 1681i ( 5 ) ( A ) 15 U.S. Code 1681g 15 U.S. Code 1681r 15 U.S. Code 1681q I am frustrated because these accounts that should have been removed are impacting my life. Below are the damages done by not having correct information on my consumer report. Below are the damages done by not having correct information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. 

US Dept of ED/GLELSI # XXXX
Product: Credit reporting or other personal consumer reports

My account with the following occupancies were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The following companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Certified letter sent to collections agency requesting proof of debt. Was not provided. 

Delivered XX/XX/2021 This account was fully paid last year. I called and confirmed with XXXX after returning my unused equipment.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX Date- XX/XX/2023 XXXX XXXX XXXX XXXX || Date- XX/XX/2023 XXXX XXXX XXXX XXXX Date- XX/XX/2023 XXXX XXXX XXXX || Date- XX/XX/2023 XXXX XXXX XXXX Date- XX/XX/2023 XXXX XXXX XXXX XXXX Date- XX/XX/2023
Product: Debt collection

I went to my bank to refinance my car. When my credit was pulled I had a collection account on my credit. When they showed me the credit report it was from a company I was unaware of. When I contacted the collection agency they told me the bill was for an old XXXX bill and they was collecting for them. I also asked them how they reported this information to my credit report when I never received anything in the mail. They informed me of an address I never lived at. When my credit report clearly has my correct address. So they never gave me a chance to respond to the debt. I acknowledge I had an old XXXX bill but was unaware of the amount. I agreed to pay half because at this time I felt like a had no choice with it being on my credit report. They took the bill down to 50 % off and they told me I would receive an email of the debt being paid. They also told me they would dispute taken the collection off my credit report. However, since I have spoke with them a week ago. I have not receive any email of my payment and no removable off my credit report. I am not sure if this was a legitimate bill and just a scare tactics for me to pay the bill. I need help with this issue because I thought with the Fair Credit Reporting Act they have to try to contact me via mail before its put on my credit report. Also once I paid the bill I should have received an itemized bill. But when I spoke with them about this bill they did not care or about the laws. Please help me with this issue.
Product: Student loan

I paid in full on one of my student loans ( Loan XXXX ) with Navient on XX/XX/2019and still have one outstanding loan ( Loan XXXX ) in the amount of. Navient has continuously deducted from my bank account the full payment amounts for both loans on XX/XX/2019 & XX/XX/2019. Navient takes the monthly payment amount of {$110.00}, of which {$87.00} was for the paid off loan, and holds it as a credit. The open loan gets its payment of {$24.00} amount applied to the interest and principal amount and continues to charge interest daily while holding my credited amount of {$87.00} for 30-60 days before reallocating it to the only open account left. I have had to contact them numerous times to correct this issue and to close out the paid in full account to stop this but have yet to resolve the issue. The paid off account is still open and Navient still deducts the monthly payment of {$87.00} and holds it while charging interest on the other loan instead of applying the payment to the final loan. This seems intentional since Navient can charge my interest on the open loan with a higher balance than applying the full credited payment to the loan, which would result in less interest charged. This is not right! I should be charging them interest for holding my credited balance and not applying it properly.
Product: Checking or savings account

I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX number XXXX, I also a victim of Us bank XXXX  scam, and fraud. Us bank closed, and XXXX XXXX XXXX XXXX XXXX XXXX, Us bank business account number XXXX, Routing number XXXX, for $ XXXX XXXX XXXX  Us bank account XXXX XXXX proof attached. I've called Us bank XXXX  office on XX/XX/2022. I speak to the Customer service. Us bank customer service claim that I never had a Us bank business account number XXXX at their Us bank. Us bank XXXX  office have Robbed, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX out of $ XXXX XXXX XXXXXXXX and denying thaXXXX XXXX XXXX XXXX XXXX ever had a Us bank account XXXX in their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXNELNET XXXX Balance Owed : {$0.00}, XXXXNELNET XXXX Balance Owed : {$0.00}, XXXXNELNET XXXX Balance Owed : {$0.00}, XXXXNELNET XXXX Balance Owed : {$0.00}, XXXXNELNET XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, After EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX - XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX AND XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the TruthinLendingAct.
Product: Credit card or prepaid card

I have an American Express Platinum credit card and so am a Priority Pass Select member as part of AMEX Platinum credit card benefits. I should have full access to Priority Pass lounges in airport globally per AMEX Platinum card benefits terms and conditions. However, when my family and myself flew from XXXX to XXXX on XX/XX/2019, we were trying to enter Priority Pass Select lounge - XXXX XXXX  XXXX in XXXX Airport . However, our access was declined by the lounge staff very rudely. Although I showed them my Priority Pass card as well as the proof that this lounge is in Priority Pass network, our access was still declined without any legitimate reason. They simply said that American Express Platinum credit card and Priority Pass Select card members can not access this lounge. 

Finally, we couldn't use this lounge at all, but instead we had to pay {$50.00} in airport restaurant to have breakfast for myself, my spouse and and my kid. Extremely disappointed with such horrible experience as an AMEX platinum card and Priority Pass Select card member. 

I request American Express to reimburse me {$50.00} for what we paid in Airport restaurant, because our airport lounge access was incorrectly declined by Priority Pass XXXX Airport Lounge staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found accounts in my credit report that I do not recognize. I do not jnow these accounts and I ask you to remove them as soon as possible. I can not have them in my profile before I apply for a mortgage. 

These are those fake accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX