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

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TEXAS XXXX XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Remove Unverified Collection Accounts Dear [ XXXX/Equifax/TransUnion ] XXXX I am writing to dispute the inclusion of certain collection accounts that have been reported on my credit file by Experian, Transunion, Equifax, After reviewing my credit report, I have identified collection accounts associated with this agency, and I want to make it clear that I did not sign any agreement or contract with them, nor am I aware of any debt being legally owed to this collection agency. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. In this case, the collection agency has failed to provide valid documentation that supports their claim that I owe the alleged debt. 
Additionally, under The Fair Debt Collection Practices Act ( FDCPA ), collection agencies are prohibited from reporting debt to credit bureaus unless they can provide proof that the debt is valid, which includes documentation of the original contract or agreement that I supposedly signed. Without this proof, it is unlawful for them to report such negative information on my credit report. 
{$480.00} Open balance XXXX XXXX I Original creditor {$450.00} Open balance XXXX XXXX  Original creditor {$430.00} Open balance XXXX XXXX XXXX Original creditor {$130.00} Open XXXX XXXX XXXX Original creditor XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$1000.00} Closed XXXX Reported : XXXX XXXX, XXXX {$1400.00} Closed XXXXXXXX XXXX Account XXXX Account typeSecured Card Responsibility Individual Date openedXXXX  StatusAccount charged off. {$400.00} written off. {$400.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX Balance {$400.00} In accordance with these laws, I request that you immediately initiate an investigation into these collection accounts and verify : XXXX. Whether there is a signed contract or agreement between myself and the collection agency. 
XXXX. Whether the collection agency is legally authorized to collect on this alleged debt. 
XXXX. Whether the original creditor has verified that they assigned the debt to the collection
Product: Checking or savings account

My account was closed due to a PPP loan being placed in my personal account. I, as long as MANY others, did not know this would cause such an issue otherwise i would've made sure to get a business account. Its been weeks and i haven't heard back about my funds nor my account.
Product: Student loan

I have been getting garnished from my student loans for the past 2 years. They will not work with me to get a smaller paymt. 
I have applied for XXXX   employee forgiveness I have been a XXXX  employee  in XXXX XXXX/XXXX for over 10 years it will be 13 years in XX/XX/2020. Prior to that I was in XXXX   XXXX  in XXXX for XXXX XXXX XXXX for 4 yrs. 

I feel I qualify for this forgiveness program others at my work have qualified and have never paid any money back to their loans. I have paid over half my loan back by being garnished but paying back money should not matter how it get s paid voluntary or garnishment wise. 
I need help this is not right or just.
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent and inaccurate accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that have been reported on my consumer credit file. These accounts are not mine, and I am not legally responsible for them. Despite my efforts to dispute the inaccuracies directly with the credit reporting agency, they failed to take the necessary steps to investigate or remove the information from my report. The presence of this fraudulent information has caused significant harm to my creditworthiness and financial situation. I request that this matter be investigated further and the inaccurate information be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ). These accounts are false and falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, XXXX.
Product: Vehicle loan or lease

I XXXX XXXX a consumer entered into a consumer credit transaction with Carvana on XX/XX/2022. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. My property was supposed to be delivered to me on XX/XX/2022 but later found out that Carvana refuse to release my property because I didn't verify my income for a down payment. Pursuant to 15 usc1662 I know that I'm the Original creditor and just extended my credit to Carvana so they should not have been asking or promoting that a specified down payment is required in connection with any extension of consumer credit unless I asked for it. I was so upset I've been having headaches and I will not stop sweating. Upon speaking to a live representative on XX/XX/2022 named XXXX from the Arizona location she too continued to tell me I had to make a down payment to receive my property. I proceeded to her I couldn't and that would be Illegal, and I would not make the payment. XXXX told me contact their office to fix my problem. Later on, the same day I called Carvana and was connected with XXXX in the department of verification at the Arizona location he was rude, and I told him that this was a consumer credit transaction and that I had purchased the car and put security interest in my property with my credit card pursuant to 15 usc 1602 with my open-ended credit plan, so it was no need for down payment because that would be Illegal. he told me I didn't pay for it with my credit card and that federal law meant nothing. I told him the contract was under federal law he did not care. At this point I had to take a break and hang up because I felt a XXXX XXXX coming on. I decided to call one more time later on the same day and was connected to a supervisor who yelled at me and basically and told me I had to make a down payment, or I wouldn't get my car. I told her that was illegal, and I asked for the audit trail of the alleged loan since she said I got a loan from Carvana, and she refused. She then referred me to XXXX XXXX from the Department of verification which I once again told her this was a consumer credit transaction, and that the car is paid for with my credit card and she told me I had to make the down payment as well or would not receive the car. I asked her for the audit trail to the alleged loan and she refused and pursuant to 15usc 1691 I have the right not to be discriminated against and a free copy of any appraisals and valuations developed in connection with the applicant 's application for a loan that is secured. I can't believe that Carvana is really furnishing certain deceptive forms pursuant to 15 usc 1692j and also not giving me the right to recission pursuant to 15 usc 1635. Carvana also committed identity theft pursuant to 15 usc 1602 ( p ) because they ran my credit card, and I received no benefits.
Product: Mortgage

We requesting mortgage forbearance in XX/XX/2020, lender added XXXX to our principal for XXXX-XXXX payments. 
We paid XXXX and two payments in XXXX which cover the arrears. 
On XX/XX/XXXX lender send letter stating we requested another forbearance, our account was brought to date in XXXX, there was no need for forbearance lender added another XXXX into deferred principal XXXX XXXX WHY? 
Lender added this XXXX to principal balance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX DEPT OF DEFENSE XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 15 U.S.C. 1681 section 602 A. States that I have the right to privacy. 15 U.S.C. 1681 section 604 A. States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to report a potential fraud or swindle that I have recently experienced. Today, I received a debit card under the business name of XXXX XXXX XXXX XXXX, issued by Square XXXX. However, I am not associated with this business in any way, and I did not request or authorize this debit card. 

I believe this may be a case of identity theft or fraud, and I am concerned about the potential risks and consequences of this unauthorized activity. I have already reported this incident to Square XXXX and filed a police report, but I am also contacting your agency for additional support and guidance. 

I would appreciate any assistance or advice that you can offer in this matter. I am committed to taking all necessary steps to protect my identity and prevent further fraudulent activity. Please let me know what additional information or documentation you may need from me to proceed with an investigation. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just opened a XXXX XXXX and noticed Derogatory marks from Contract Callers Inc XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Product: Credit reporting or other personal consumer reports

FedLoan Servicing reported late payments in XXXX in a period that my loan was in forbearance. The loan was placed in forbearance on XX/XX/XXXX and was in forbearance until XX/XX/XXXX. I attempted to dispute this on XXXX but they dont show the late reported payments in the dispute section, only in the payment summary section.
Product: Credit card or prepaid card

Back around XX/XX/2018, I noticed Capital One Credit Cards showing up on my Credit Reports. I promptly sent a request for information from the company, about the alleged debt in a form of a loan. Capital One ultimately took two of these accounts off my report. But left one still remaining on my reports. So I continued to question this alleged account, I did not recognize. Every time I ask them to provide me answers to questions Ive asked, they have answer with generic answers back. Thus not providing important information, that they as business should be able to answer. I literally wanted some with first hand knowledge to answer my question. But time and time again I received generic response, that wasnt even what I was inquiring about. This we back a forth for a while. Recently they have filed a lawsuit. In this law suit they include a affiliate, that supposly is someone of first hand knowledge. That says I owe them money. What is interesting is this person NEVER answers my questions I sent to Capital One. Its not till they filed a lawsuit, this alleged XXXX, comes forth. So I believe she are lying about having firsthand knowledge of this alleged loan. She never contacted me once. Even, when I requested to speak with someone with first hand knowledge. Their action speak million words. They have not been able to prove they made a legal loan and complied with Truth and Leading act. This is why its so suspicious they decide to sue, instead of answering my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion does not answer my dispute of XXXX XXXX XXXX they list on my report. TransUnion doesn't think they need to investigate a consumer 's complaints. This erroneous reporting of information needs to be investigated and deleted.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numurous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit card or prepaid card

Set up a payment arrangement with Citbank to bring account current fulfilled requirements of making every payment on time but company still reported account as past due/ delinquent. When arrangement was made information about credit bureau reporting while on the catch up plan was not properly disclosed to me.It is now showing that I have been past due for the first 2 months of the year when I made my payments on time.
Product: Debt collection

Lady called today from Credit Management Company asking me to confirm my name and DOB for a debt owed. I refused to confirm either. I have no outstanding debts.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing regarding the credit inquiry that appears on my credit report in connection with my recent automobile financing application with your dealership on XX/XX/year>. It has come to my attention that your dealership is not registered to conduct business in the state of North Carolina. This is a serious issue, as the lack of proper registration means that your dealership is not authorized to offer or conduct financing transactions in this state. Under **North Carolina General Statutes ( NCGS ) Chapter 55**, businesses must be properly registered and in good standing to engage in transactions with North Carolina residents .

Despite this, a credit inquiry from your dealership remains on my credit report, indicating proof of an approved account. Also I received a correspondence from Capital One Auto Finance. That the application was approved I never received an offer, nor any response from your dealership. Except marketing emails. Despite trying several times to contact someone from your finance department. Furthermore, I was denied access to the credit applied for, with out explanation which raises concerns under the Consumer Financial Protection Act and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). This inquiry, which suggests an open account, misrepresents my creditworthiness and fails to acknowledge my rights as a consumer.

Furthermore, your companys actions could potentially violate the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ) by taking adverse action against me for exercising my rights under consumer protection law. This type of discrimination in any aspect of a credit transaction is unacceptable and, as such, requires immediate rectification.

Additionally, the Truth in Lending Act ( TILA ) ( 12 C.F.R. 226.4 ) mandates that all costs associated with financing, including any down payment, must be clearly disclosed and included in the total finance charges. By presenting the down payment as a separate transaction, your dealership has misled me regarding the actual costs of financing. This practice not only contravenes federal law but also results in financial harm to me as a consumer.

As a result of these actions, I request that the inquiry be removed from my credit report, and that my security interest along with a copy of the application be returned immediately. If I do not receive a satisfactory response and see the removal of the inquiry within 10 days, I will pursue legal action under both the FCRA and applicable North Carolina state law. I am prepared to seek compensation for damages incurred as a result of this improper reporting and your lack of registration to operate in North Carolina.

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

the disputed amount is {$1000.00} charged to my account from XXXX XXXX XXXX XXXX XXXX, NY and the date of the charge is XX/XX/2019. I live in Florida and my daughter lives in a XXXX XXXX in New York. On previous occasions I had to use XXXX  to repair my daughter 's power XXXX. On each occasion, XXXX would send and invoice detailing the repairs, a list of parts needed. They would send a document via email for me to sign authorizing repairs, and a document requiring me to PREPAY for the parts in advance before they would send out a serviceman to do the repairs. On two occasions I signed the document via e mail gave my credit card to PREPAY for the parts and authorized repairs. On this date. I refused to sign or PREPAY for any parts and did not authorize any repairs. I instructed the care facility that XXXX wasnt allowed to do any more repairs and I proceeded to hire someone else to do the repairs. XXXX  performed no services no parts but billed my credit card. I immediately informed citibank who reversed the charges pending investigation. Twice Citibank reversed the charges, put them back on my bill and closed the investigation ... ..without ever talking to me. Each time I renewed the complaint and citi reopened it. Finally I got correspondence from Citibank where XXXX submitted an invoice I had allready paid to citicard as proof of sale. The numbers on invoice didnt even match the the new invoice nor did the dates and the invoice was paid to citicard previosly. I submitted to citibank the unsigned email asking for permission to sign card everything Ignored by citibank I even spoke to a customer service rep that told me that once I give XXXX  my credit card number they, XXXX can use it whenever. I could not believe she said that so I asked for her supervisor who gave me this contact to make a complaint. XXXX XXXX is sneaky ... using previous information for a credit card to put charges on my card without authorization..and citicard allows them to do it. I recieved no services or parts and did not authorize this charge ... Citi card is totally ignoring all my documentation and all I get is if you dont pay it will be reported to credit agency and ruin your credit ... .and XXXX  has submitted no current invoices or any signed or verbal authorization.. I am frustrated
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT DISPUTES TO REMOVE INACCURATE AND UNVERIFIED INFORMATION FROM MY CREDIT REPORT AND THE COMPANY STILL HAS NOT REMOVED IT.
Product: Credit card

I have multiple cards with Payment Protection on them. I have started benefits on them and offered all information to get my benefits approved. I was in the hospital for 2 weeks and have been multiple times. My accounts are all in good standing but because I have had multiple benefits they have given me a really hard time. My doctors and staff has verified I was there and also I added a letter from my provider. They give me the run around and have stressed me out to the point I feel like its causing my sickness to worsen now. 
This is the Payment Protection Program I pay every month offered by Syncrony Bank. 
They have been rude people working from their homes with kids in the background people just disconnect the line after being on the phone for an hour. Im in tears asking for answers and No one helps they treat me awful and even with my team of people at the hospital trying to help it just never goes anywhere. I am more than frustrated and feel like Im being profiled and treated unfairly. Something needs to be done so that other people in my same boat dont go through this. I pay a lot of money each month and I have the right to be able to be treated fairly.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX and XXXX  XXXX XXXX  XXXX. Please delete these accounts ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

Received mail from company " Uprova Credit LLC '', stating I requested a loan in the amount of {$1500.00} and it was denied. I NEVER applied for a loan with this company. States application was denied due to " unable to verify application information '' I shared this info with one of my co-workers. When she went home that day, she had the same letter from this company. She too says she NEVER applied for a loan for this company. Her reason for denial was the same as mine. No phone number to call. Just an address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -ACCOUNT # XXXX - DATE OPEN XX/XX/2022 - ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX ACCOUNT HAS VIOLATED MY RIGHTS. 

-15 U.S.C 1681 SECTION 602A. STATES I HAVE RIGHTS TO PRIVACY.

-15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATESA CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WIHTOUT MY WRITTEN INSTRUCTIONS.

-15 U.S.C 166b A CREDITOR MAY NOT TREAT A PAYMENT OR PAYMENTS ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Product: Debt collection

They have the wrong person with similar name I told them that and they said they would remove the collection have not done so. 

This was done in XX/XX/2020 2020
Product: Debt collection

I hope this message reaches you promptly. I've followed the correct procedures in disputing these accounts reaching out to the bank, filing a report and affidavit with law enforcement through Identitytheft.gov, a federal agency, and contacting the credit reporting agencies. XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$10000.00} and XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$3600.00}. This matter requires urgent attention, and I request that you handle it with the swiftness it deserves.