23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I revoked permission for ach on my account. loan number XXXXAfter a threating email, on the same day, I told collections manager XXXX XXXX via an email no contact. I have been receiving phone calls at work. Two are documented through management. XX/XX/XXXX from XXXX, and today from XXXX. Both calls documented are leaving the number XXXX ext. XXXX.
Product: Debt collection

AR Resources Inc. placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.Request AR Resources Inc. to remove incorrect information off my credit report. More importantly, AR Resources Inc. are in violation of FACTA section 623 ( A ) ( 7 ).
Product: Debt collection

XXXX XXXX XXXX is reporting as a XXXX  collection on equifax when there has never been any contact or communication with this third party. No consent or authorization was given to share private source data information with this company. Advise company to cease and desist communication, collection activities and reporting based off federal violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I didn't authorize. I've done all I can do to get these off. It's unfair that businesses can continue to put these inquiries on your credit report illegally.
Product: Credit card

XX/XX/1023 I purchased a Mattress from XXXX XXXX in XXXXXXXX XXXX For {$1100.00}, under their purchase agreement the Mattress can be returned or exchanged within 90 days. After sleeping on the Mattress for less than thirty days I went back to XXXX XXXX and said that I wanted to exchange the Mattress. They agreed without any problem. I purchased another Mattress for {$1700.00}, They ( XXXX XXXX ) schedule the pickup and delivery of the new purchase for XX/XX/XXXX XXXXthat scheduling date was met no problem, I received receipt for the pickup and delivery. I received an invoice from Synchrony Financing company which had not deleted the returned mattress from the invoice. I called customer service and the rep said that they needed to verify with XXXX XXXX the transaction. I went to the XXXX XXXX where I had made the purchases and the person who identified himself as a manager, said that the dispute was between me and Synchrony, that they are in charge of financing and he could not get involved. I called Synchrony customer again and the rep told me that my initial dispute had been denied and that I would need to make a new one and it could take up to 60 days to complete. Note I am paying {$150.00} on the amount owed. Remove {$1100.00} from my account. Item have been returned.
Product: Credit reporting or other personal consumer reports

I am a victim of tXXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call TransUnion several times to request that they remove several inquires that is on my credit profile I would like these applications removed I have already sent them my photo ID and ftc report on file I HAVE FRAUDULENT APPLICATION ON MY CREDIT PROFILE 1XXXX XXXX  XX/XX/XXXX 2.XXXX  XXXX   XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX  XXXX XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX  XXXX XXXX 8.XXXX  XXXX XX/XX/XXXX 9.XXXX  XXXX XX/XX/XXXX 10. XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 3 hard inquiries on my account, which I am totally unaware of and never conducted/applied to. Please see below inquiries 1.  XXXX XXXX  XXXX -XX/XX/XXXXXX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX -mXXXX Accounts that showed I have past due amount 1. Noticed I have passed 30 days on my XXXX 's account in XX/XX/XXXX. I was a victim of fraud, called XXXX XXXX immediately to close the account but they never did until the next month. I should not be held liable for purchases I never made 2. XXXX   XXXX XXXX XXXX - I paid off my balance and asked them to close my account. I was never late with my payments. However, they received that payment one day after my due date and is telling me I am past due ( I know most customers have a grace period ). When I called customer care, the rep was unwilling to help me and hang the phone up on me ( person was very XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a refinancing from a bank. They checked my credit score and found my credit score from Equifax is not available. I had a mortgage account which was opened last XXXX. On the credit report, it missed my mortgage account on my credit report.
Product: Vehicle loan or lease

Hi, I recently got into a XXXX XXXX XXXX which has a lot of issues with performance. I looked at XXXX XXXX XXXX and saw my vehicle is only valued at roughly {$600.00}, my total car loan for my vehicle is {$10000.00}. I have a APR of 23.90 %, with a fiance charge of {$2100.00}, the vehicle is breaking down at an alarming rate which exceeds what I can pay for maintenance. I've contacted the dealership explaining the issues the car was having and asked if they offered a loaner vehicle while I tried to get the vehicle fixed under my warranty with them. I was then informed by them, that they dont offer any loaner vehicles, which I would need to be able to commute to work.
Product: Vehicle loan or lease

Hello we had just moved to XXXX at the time of purchase as we were in need of a vehicle to get to work and back. On XXXX XXXX XXXX we we t to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX to look for a vehicle to trade our current in for. We found a XXXX XXXX XXXX that we felt safe in and took the step forward. We put {$500.00} down and traded our XXXX in towards the purchase. The loan we got was through Santander Consumer USA and the interest rate was 24.8 % and at this time it was our first purchase of a vehicle ever ... So the interest didnt sound terrible. 
Over the first 36 months we were only late by 30 days on 3 payments and paid $ XXXX. After 3 years it seemed our principal had not moved much at all. When we moved to XXXX in XXXX we could not afford the vehicle anymore ... We let it be taken back after daily calls, harassing messages and misleading information being given. 
After recently looking into USURY laws for the state we realized that the state maximum for XXXX is 10 %. We have tried working with them but after realization of being overcharged for interest and for each payment having {$300.00} of the {$370.00} go to interest, we feel taken advantage of. This has gone into our credit for a debt of {$13000.00} being owed now, without us knowing what it was sold for at auction. A law suit may be the only other option but we are hoping things can be settled this way.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.
Product: Credit reporting or other personal consumer reports

My husband and I have a mortgage through XXXX XXXX XXXX XXXX . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ). 
In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with XXXX, XXXX, and Equifax and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments. 
Thank you so much for your help on this matter. 


*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ CFPB ] [ Credit Reporting Agency ] Subject : Dispute of Inaccurate Information Code 15.c Dear [ CFPB ], I am writing to formally dispute certain inaccurate information that has been reported to you regarding my credit profile. I believe that the information provided is incorrect and does not accurately reflect my financial history. 

The accounts in question are as follows 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing these accounts based on Code 15.c, which pertains to inaccuracies regarding the status and balance of the accounts listed above. After reviewing my records, I have identified discrepancies that require correction. 

Please conduct an investigation into this matter and provide me with the results as well as a copy of my updated credit report once the corrections have been made. I have also enclosed copies of relevant documents that support my dispute, including [ list any documents you are including, such as bank statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the correction of my credit report. 

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

XX/XX/21 dispute submitted XX/XX/21 dispute submitted Bankruptcy Information was removed by XXXX and I have requested removal from credit report. They are denying the removal of this information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was informed in XX/XX/2015 that I owed {$420.00} to XXXX XXXX for some testing they had done at the request of my physician back in XX/XX/2015. I called them and set up a payment plan where I needed to pay {$55.00} a month. I paid {$55.00} on XX/XX/2015, {$200.00} on XX/XX/2015, {$100.00} on XX/XX/2015 and the final payment {$71.00} on XX/XX/2015. I reviewed my credit history recently and found that they are saying I still owe {$40.00} and they sent that amount to a collections agency to collect on. This was not brought to my attention and is inaccurate, as I paid the full amount due.
Product: Credit card or prepaid card

My citi costco credit card ( the physcial card ) is stolen and someone used it to make some purchase. However, citi refused to return me the money back. The place these purchase are made, I didn't go there, either my family did. But citi refuse to return the money back because they said people used the chip! I have evidence that I was not in those place. As a big bank, citi is very disappointing. I am going to keep fighting until citi did the right thing. I am not afraid to go to the court and make the statement because I know it is fraud and I know citi was trying to play games with their customers! I believed justice will be made!
Product: Credit reporting or other personal consumer reports

I am submitting this in response to the recent investigation of my credit record. I appreciate your efforts to correct some of the misleading information previously listed. However, I still need assurance of complete accuracy on all items in my file. Therefore, I ask you to provide documentation regarding the accuracy of the specific account in question. Please conduct another investigation into the following accounts : XXXX XXXX XXXX XXXX : {$460.00} ; XXXX XXXX XXXX XXXX : {$180.00}. As stated under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please re-investigate and update these disputed accounts. Please forward me the name and address of the persons contacted. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, notify me when the accounts have been updated. Once this is accomplished, please forward an updated copy of my credit report to the address listed.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XX/XX/year> I obtained a loan of {$2700.00}. Since that time I have made bi-weekly payments of {$100.00}, at this time I have made 9 payments and the balance has only been reduced {$130.00}.
Product: Payday loan, title loan, or personal loan

I try to make a payment on a branch and was closed. I call them to make the payment woth debit card on my overdraft and they dont want to take my credit card. Generating a overdraft fee of {$30.00}. They dont want to return my {$30.00}.
Product: Money transfer, virtual currency, or money service

My XXXX account was hacked and used to for fraudulent transactions linked with my debit card but my biggest concern is with my bank and the reason my fraud claim was denied. I spoke with many Bank of America associates even going inside of a branch with two forms of ID to be able to see my status of these claims. and the claim I made XX/XX/XXXX been completed I went into the branch on XX/XX/XXXX they told me my claim was denied because my XXXX XXXX was used previously before in transactions and the representative there told me to fax an appeal for it so I did. Once it was faxed I sent it out and the claim was reopened but for many days this week I've been having to fax more appeals because it was getting denied. Today I was able to call and when I did a representative told me that the reason why it was denied again this time it was because they said they've sent an alert to my phone and to my email to confirm the transaction and they said I did authorize it but while on the phone with the fraud department and a representative looked into my notes on the XXXX of XXXX and she said there was no alert sent to your and there was not a note that was saying I completed it so it was a lie. Bank of America has been denying my claims constantly and I want this to stop so I can leave this situation alone
Product: Debt collection

This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit. 
I have written this company that has put a debt on my credit report that has been identified as identity theft and was sold to them ( Southwest Credit ). I also advised them that if the original creditor have validated this debt to please send me the information that validates that the originator creditor validated this debt. Instead I was sent an NOTHING. I am absolutely certain that the item I disputed is incorrect as of why it was initially removed and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Information requested by your company was ignored. You have continued to cause more damages on my well-being of life.

As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. I do not have a contract with Southwest Credit company and have never done any business with them and I will sue them. If they have paid for this debt it is another reason why its against to law to collect on a debt that has been purchased, deemed as identity theft, or when there is no contract between you and the consumer. 
Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Southwest Credit to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you, that you give you obligation to try and collect a debt. If you didn't purchase this debt, then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice are a commercial lien will be filed against you and your company for dishonor, illegal credit reporting, no jurisdiction and punitive damages.
Product: Credit reporting or other personal consumer reports

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Product: Debt collection

Received a phone call, tried to ask to validate the debt and was yelled at to pay right away. Repeated phone calls after telling them I would call back when I validated the debt. Threats of a law suit and reporting to the credit agency the next day if not paid. No contact was made prior to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times BANK OF AMERICA and reported that someone used my SSN to open a savings account last XX/XX/2023. I was alerted thru XXXX that an inquiry was done. They told me they will investigate. This is the second time that my SSN was used to open a credit card thru Bank of America without my knowledge. I already put a credite freeze and lock on my credit report. Last year. I want all this to stop and it keeps on happening with the same bank. My name is XXXX XXXX. I live in XXXX XXXX XXXX CA.
Product: Debt collection

I have no known knowledge of this account. I am a victim of Identity Theft. I have reported this account to all XXXX  credit bureaus as fraud. I have asked this to be removed from my credit report, but yet have been removed. This has been ongoing for serval months.