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

XXXX I bought a phone from XXXX XXXX XXXX using a trade-in phone to reduce the price of the new phone, and XXXX XXXX XXXX deceived me into a 3year contract for phone service by disguising the terms of the exchange as 36 monthly installment amounts for both my trade-in phone and the phone I was buying. After 12 monthly payments against the balance for the new phone ( less trade-in value ), the new phone was paid in full. However, XXXX XXXX XXXX credited a much smaller monthly amount for the trade-in phone, and claimed that I still owed them for the trade, when in fact they took the trade-in device all at once and did not give me credit all at once. 

XXXX XXXX XXXX XXXX violated the contract when they terminated my phone service before the contract ended because they refused to unlock the new phone which was paid in full. 

XXXX XXXX XXXX then outsourced my account to a collection agent, Sequium Asset Solution who hounds me for {$760.00} in bogus charges from XXXX XXXX XXXX for a phone that was paid for in full. XXXX XXXX XXXX 's claim is that I owe {$760.00} in payment against the new phone, when in fact that amount is the balance of CREDIT that XXXX XXXX XXXX  OWES ME for the trade-in phone. 

Sequium 's {$760.00} derogatory claim in my XXXX credit report is a fictitious balance against a phone set which was PAID IN FULL in compliance with a purchase contract. Consequently the claim by XXXX XXXX XXXX and Sequium is a BOGUS claim and false accusation that I haven't honored the purchase contract.. 

{$1100.00} contract phone price for the new phone $ XXXX less contract value of trade-in surrendered to XXXX XXXX XXXX XXXX XXXX less balance paid as XXXX pmts of {$33.00} monthly XXXX thru XXXX $ XXXX contract OVERPAYMENT for phone XXXX XXXX XXXX is required to unlock the phone when its been paid for, but THEY VIOLATED THE CONTRACT when they refused to unlock it. They were advised that they would lose a customer if they refused to honor the contract and unlock the phone, and they did in fact lose the customer when THEY AGAIN VIOLATED THE CONTRACT by canceling service on XXXX. ALSO IN VIOLATION OF THE CONTRACT, at no time did XXXX XXXX XXXX offer the Dispute Resolution by Binding Arbitration specifically called out in the contract.
Product: Checking or savings account

Wells Fargo bank has taken advantage of me as the other customers and consumers for forcing those past employees to open up fake accounts I believe XXXX XXXX accounts with out the permission and authorization and consent of the consumers and customers that trusted Wells Fargo bank to help us to become financially stable and in which Wells Fargo bank has lost the trust of those customers and consumers that trusted Wells Fargo bank to help those customers and consumers to become financially stable. And also I want to share this information with you all. What if those past employees has a family member that has a XXXX son or daughter will Wells Fargo bank take away from those past employees of Wells Fargo take advantage of them that suffers with XXXX  and XXXX  XXXX. And take food out of those families that are struggling to provide for their families and will those that are still working at Wells Fargo bank to take the food out of their families mouth? I know that if I know that if I I had a family of my own I would not like it at all. Wells Fargo bank has been doing this for years. But when a consumer and customers find out about all of these illegal activities that Wells Fargo bank has and continues to even this day Wells Fargo bank still are taking advantage of the consumers and customers that trusted Wells Fargo bank to help them. And not only I have been taking advantage of but all of us has trusted Wells Fargo bank to help us. When you or anyone as or someone else ask questions and Wells Fargo bank has been caught taking advantage of people what Wells Fargo bank and it's bankers wants to transfer the call to someone else. Wells Fargo bank has charged me all of these hidden fees. Wells Fargo bank has also been sued for discrimination and forcing those past employees of Wells Fargo bank to participate in all of these illegal activities. And has taken advantage of and the other customers and consumers opening up fake accounts with out the permission and authorization of these consumers and customers.
Product: Payday loan, title loan, or personal loan

1.Paypal/ XXXX bases decisions for approval for the Paycheck protection program ( CAREs ACT ) on personal credit even though the Act, SPECIFICALLY does not allow for this. 

2. PayPal / XXXX  Initaially denied ALL applications for businesses applying for PPP program based on their income, lower income business requesting lower price loan generate less fees for PayPal so they denied these low profit margin loans initially automatically only minutes after application 3.payaplXXXX XXXX made no good faith assessment whether the client is acceptable to apply under the program and failed to check the identity and credit worthiness Of applicants under the PPP program. Misleading denial letters and false Information supplies by PayPal indicates they processed applications as required by law when they infact DID NOT, and merely sent denial letters for a variety of reason such as unable to verify identity, credit score too low, and many other baseless reasons I applied for the PPP program with PayPal however they immediately kick back my application and send me a denial letter. They are screening loans based on the price they would make and also using personal credit as a basis for decision ( which is expressway forbidden by the CARES act ), and when those two methods fail they simply state they couldnt verify your identity or your document is incomplete. This is a pattern of favoritism and discrimination against lower income loan applicants to a program which is federally funded and guaranteed.
Product: Debt collection

An agent from XXXX XXXX  call my place of work ( XXXX XXXX ) and threatened me with being served for my warrant for arrest and jail, wage garnishment, property seizure, etc. if I don't pay them over {$4000.00} for a debt on a credit card I ( never had ) back in 2010 with US Bank. I never had a credit card with US Bank, only a checking account that was closed due to no activity. Their phone number is XXXX and their case number on me is # XXXX. I unfortunately and unknowingly acknowledged my year of my birth, and my last four digits of my SSN over the phone with them.
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 : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights.

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 or other personal consumer reports

Disputed account after reporting unauthorized charges to the credit card company. The credit card company did not acknowledge the claim, and now the debt has been sold and the collection company has none of this information. I disputed the collection and all I was told was meets fair credit reporting requirements with no further explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2021 ; XXXX XXXXXXXX suspended my credit card account because I mistakenly paid my monthly bill w/my old XXXX card, which I neglected to throw away when I received my new XXXX card. Upon finding out it wasn't accepted, I realized my mistake & made the payment w/the correct XXXX card. It was a simple mistake. I then called and asked how do I get my account un-suspended. I was told to write a letter explaining the situation. I was also told by the associate on the phone that until my account becomes un-suspended, I don't have to make monthly payments. Upon mailing the letter they requested, I waited ... ... for 3 weeks! I then called & was told that my letter they requested w/the information they requested wasn't good enough & now they want proof that the card used was mine. I made a copy & mailed it to them, as they requested. I waited another 3 weeks & called and was told they didn't receive my 2nd letter. It was mailed to the same address as the first. So ... .I mailed another copy. 3 weeks passed and I called again & was told they still haven't received the letter. So ... ..I mailed another copy ( this is the 3rd time ). I waited another 3 weeks and again was told they didn't receive it. All this time, they have told me that they only can have proof mailed to them. This last time calling, they now tell me that I can email them. Why am I hearing this email solution now & not at the beginning of this situation ( because I keep on talking to associates who have no idea what they're doing ). Now they have reported a delinquent notice to my credit report. This is fraud, plain & simple. 
This company informs me of what I have to do to clear this up ; I follow their way, 3 TIMES,, and they still say they haven't seen my letters, all mailed to the same address as the 1st address that THEY RECEIVED. Then they say I can email my proof, something they never said I could do in the beginning. Then they report me as delinquent on my credit report.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX, XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been victim of theft. I contacted credit bureau ( s ) and filed report. Some accounts are still reporting and shouldnt be as ive been victim of theft and have no ownership to accounts. Im not aware of these accounts and shouldbe removed. These accounts were never investigated correctly and Per Fair Credit Reporting Act, FTC Section 605.
Product: Credit reporting or other personal consumer reports

I've received a copy of my credit report after further review I noticed a number of late payments, unauthorized account information reporting to my credit report. This is prohibited under USCODE -15 USC 1666b : ''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. 

which has not taken place, these late payments have been detrimental to my life and credit health.
Product: Debt collection

THe company was Transworld Systems inc . The collection was for a final waterbill which i am not sure if i actually owe it from 4 years ago. They sent the collection notice to my brothers address which he has only lived at for 2 months. I questioned them on how they got that address and they said it was on the water companies file. It was not as I had already called the water company. She then proceeded to tell me i was lying then i asked her to transfer me to her supervisor. She responded they were not there and i would have to do with a voice mail then she cut me off. She did this again after I called back. The bill was {$35.00} and on the first call she said it was denied which i knew better as i Had over XXXX in this account. She then asked me to pay via my bank account i told her no. I ask her to email me something saying that once i paid this ( keeping in mind i do n't think i owe it ) she refused and hung up on me again. Through out the conversation she kept talking over me not allowing me to get my questions out.
Product: Vehicle loan or lease

Problems identified : Truth in Lending Act ( TILA ) violation : The signed contract did not adequately disclose the total amount financed, including the annual interest rate ( 27 % ) and the total cost to be paid over the life of the loan. This is a violation of the provisions of TILA ( 15 U.S.C. 1601 et seq. ), which requires transparency in information for consumers.

Abusive collection practices : During the process of collecting late payments, I was subjected to constant threatening and harassing calls. This seriously affected my mental and emotional health, violating the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), which prohibits these practices.

Form 1099-C Request : After a voluntary vehicle replacement due to persistent mechanical problems, the remaining balance of the debt has not been collected. However, you have not received the Form 1099-C required by Internal Revenue Code 6050P, which impacts my ability to report the charge-off amount as income on my tax return.

Negative Impact on My Credit Report : The information reported by Ally Financial to the credit
bureaus includes negative items that they consider inaccurate and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). This has unfairly impacted my credit score.

4. Problem Description : I purchased a XXXX XXXX XXXX vehicle through a financing agreement with Ally Financial. From the outset, I was not provided with clear disclosure of the total amount financed and the terms of the loan. Additionally, due to ongoing unresolved mechanical issues under warranty, I opted for a voluntary vehicle repossession. Despite this action, Ally Financial has reported negative information on my credit report and has not issued Form 1099-C for the cancelled balance. Additionally, during the process of collecting late payments, I was subjected to constant harassment by the company, which has affected my mental and emotional health.
Product: Debt collection

Commonwealth Financial is reporting on my credit report fraudulently in the amount of {$920.00} : * Were you named on the original contract with the original creditor?

* If not, do you have a contract between your company and me, signed by both parties?

* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/26 mailed a letter to XXXX  for incorrect information