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

On XXXX XXXX I consumer, XXXX XXXX purchase a car through XXXX and it was finace through American Credit Acceptance. On XXXX XXXX I called the police because my car was missing. They told me it was repossessed by American Credit Acceptance. I am not sure as to why they repossessed my car ( XXXX XXXX XXXX XXXX ) I never received communication from them nor did they mail me anything pertaining to my vehicle. This is a violation of 15 USC 1666. They never notified me on an late payment. Nor make my account late or past due or their banking system. Or with the credit bureaus. This is nothing more than my rights because violated and my character being defame. Which is an violation according to XXXX5 USC 1692. This is nothing more than an billing issue. I am demanding my vehicle to return to my address that you have on file. Attached is my license to help identify myself.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, I made XXXX, XXXX and XXXX aware of this since XXXX of XXXX. They Have ignored my notices and request to remove the fraud from my consumer report. The 30-day and 60-day time frame for a reasonable investigation as past. If items can not be verified within 30 days it must be removed. failure to provide proper validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ), debt collectors are required to validate debts when requested by the consumer. Also 15 USC 1681 c- 2 they must block all item that came from fraud in 4 business days which has also passed. I am requesting all Items be deleted immediately. I demand that the following account be verified or removed immediately : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

An unauthorized withdrawal of {$120.00} was made by Capital One from my XXXX XXXX  Checking account on XXXX XXXX, 2017. I contacted Capital One the next day and they were unable to explain how this withdrawal was made from my personal account since I have no financial relationship with Capital One. They indicated a willingness to investigate and now, after almost 3 months of telephone conversations with Capital One banking representatives, they have still not provided an explanation of how they made this fraudulent withdrawal. 

Additionally, they falsely claim that Capital One reimbursed the {$120.00} to my XXXX XXXX account. XXXX XXXX XXXX XXXX confirms this has never occurred. 

No evidence has been provided explaining the withdrawal nor has Capital One provided any evidence of the reimbursement to my XXXX XXXX savings Account.
Product: Debt collection

I did not apply for or receive any services or equipment from XXXX in 2018 or any other date ; nor do I have a legal relationship or obligation with XXXX nor its collection agency JEFFERSON CAPITAL SY XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have not received any correspondence, billing, or contracts from XXXX or Jefferson Capital. XXXX nor Jefferson Capital provided any documents that support a legal obligation or contract for the debt in the amount of {$3400.00}. I filed an identify theft report with my local police. This is a violation of the FCRA / privacy act.
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because i was a victim of the XXXX data breach back in 2017 having trouble removing the negative items on my report I want these items deleted from my Credit reports effective immediately. I am Attaching proof that XXXX has admitted that i was in fact a victim of this data breach ( XXXX XXXX XXXX ) and XXXX has done nothing. Please help me delete these illegal account from my credit reports, Accounts XXXX XXXXXXXX Closed Account # XXXX XXXX Closed Account Number XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Closed XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX  Closed XXXX closed XXXX XXXX XXXX Closed XXXX XXXX XXXXXXXX XXXX closed XXXX XXXX XXXX XXXX XXXX saying closed whenn they were paind in full XXXX pain in full and XXXXXXXX XXXX  XXXX XXXX XXXX for XXXX never had XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$970.00} XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy US BKPT CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2023 Dear Sir/Madam, I am writing to request the removal of a late payment from my credit report that occurred during the XXXX pandemic. The late payment was for Account Ending in XXXX. I experienced financial difficulties during this time due to the pandemic, which made it challenging for me to make timely payments. 

I am now in the process of trying to purchase a home, and I am concerned that this late payment will negatively impact my ability to secure a mortgage. As you may know, a late payment on a credit report can stay on the report for up to seven years, and it can have a significant impact on my credit score.

I would like to request that you remove this late payment from my credit report as a gesture of goodwill given the exceptional circumstances surrounding the XXXX pandemic. I have since regained my financial footing and have made every effort to stay current on my accounts. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. 

Removing this late payment from my credit report would greatly improve my chances of obtaining a mortgage and realizing my dream of owning a home. I believe that this removal will help me rebuild my credit and achieve my financial goals. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX
Product: Debt collection

The charge from OMEGA RMS for {$1600.00} is unjust. This is a timeshare scam and when we went to their presentation, we told them that we did not want to join, but yet they still charged both myself and my husband. My husbank disputed it, and OMEGA cleared it from his credit, however, OMEGA kept the charges on my credit. This is robbery! And, now, it 's preventing me from purchasing a home.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally file a complaint regarding an unauthorized inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX, on my consumer credit report. I did not provide consent for XXXX XXXX XXXX XXXX XXXX XXXX to access my credit information, nor do I believe there was any lawful or permissible reason for this inquiry to be made under applicable law. 
Details of the Violation : Date of Unauthorized Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Consumer Reporting Agency ( CRA ) : EXPERIAN By accessing my consumer credit report on the date referenced above without a permissible purpose, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). 
Legal References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. XXXX. XXXX ) Statutes Violated : o 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ) ( FCRA violation for unauthorized inquiry ) o 18 U.S.C. 1028A ( Aggravated Identity Theft ) o 15 U.S.C. 1681n ( a ) ( False Pretenses and FCRA violations ) I have not entered into any transaction with XXXX XXXX XXXX XXXX XXXX XXXX, nor do I have an account with XXXX XXXX XXXX XXXX XXXX XXXX, as defined under 15 U.S.C. 1693a ( 2 ). Therefore, there was no lawful basis for this inquiry. 
Impact and Damages : Due to this unlawful action, I have experienced significant harm, including the denial of credit and the inability to obtain credit line increases. Additionally, this unauthorized access to my personal information has resulted in reputational, emotional, physical, and financial distress. 
1. Deletion of the Unauthorized Inquiry : I request that you remove the unauthorized inquiry placed on my credit report with EXPERIAN on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. Settlement of Damages : In accordance with 15 U.S.C. 1681n, I am seeking compensation for the damages I have incurred as a result of this violation. I am willing to settle this matter for {$1000.00}. Should you fail to remit payment of this amount within 30 days from the receipt of this letter, I reserve the right to pursue further legal action to recover actual damages, which may exceed the aforementioned settlement offer. 
Request for Certification : Please provide a certification indicating the lawful purpose for the inquiry that was sent to the consumer reporting agencies, as required under FCRA Section 604 ( f ).

Additional References : Bureau of Consumer Financial Protection Advisory Opinion : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports. 
Contact Information : Please direct any communications or payments regarding this matter to the following : CFPB PORTAL OR TO EMAIL ON FILE.
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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: Student loan

The principle on the student loan is never reduced even though I make a larger than scheduled payment amount. I have called and asked, they said that this was just deferring my current statement due date. What I want is to pay my loan principle. This should be illegal, as they are charging me interest on the full loan amount, and not the decreasing balance which should be reflected in my additional payments. As of my last statement it says that the current statement due date is XX/XX/2017.
Product: Mortgage

At the beginning of XX/XX/2023 I had XXXX payments ( {$600.00} each ) taken out of my checking account from XXXX. They weren't getting back with me so I filed a complaint with the CFPB and they then sent me a check, but it was for {$520.00}, not {$600.00}. 
I contacted them and they said that they will correct the issue, but I haven't heard back from them since. 
This is really inconvenient and insulting. 
I need my {$76.00} back from them. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, at XXXX XXXX, I spoke with XXXX in Experian 's consumer affairs department in regard to an investigation completed by Experian. XXXX XXXX stated that my case was being handled by a XXXX XXXX XXXX and he immediately transferred me to XXXX XXXX who I left a VM for and received a call back. In speaking with XXXX XXXX, I requested that he explain to me how Experian had concluded its investigation on XX/XX/2022, If the court stated that they did not report to them nor did XXXX XXXX report to them the " Accuracy and Completeness '' of this bankruptcy record on my credit file. XXXX XXXX replied, " Even though XXXX has deleted the record ; your information is being match with the courts ''. I responded to XXXX XXXX by informing him that the information Experian may have received from XXXX is inaccurate/incomplete and that according to the FCRA, they must contact the courts to ensure that accuracy of the record reporting on my credit file. XXXX XXXX stated that " WE DO NOT HAVE TO CONTACT THE COURTS ''. According to the attached disputed results, Experian stated that they contacted the public record vendor and they have certified the accuracy of the record. I have attached a copy of the online dispute portal and results. I have attached a copy of a previous complaint in which Experian stated once more that it had contacted the public record vendor, which is FALSE. I am requesting in writing the name and address of this public record vendor or court in which Experian states it certified to them the accuracy of this record which it continues to " PARROT '' and not verify. Experian 's dispute disclaimer states " The Federal Fair Credit Reporting Act states that you may request a description of how we verified the information, including the business name and address contacted and the telephone number if reasonably available '' I am requesting the NAME AND ADDRESS of the company or court Experian has contacted. I request that this information be sent in writing. It is to be noted that Experian according to XXXX XXXX has violated FCRA 616 ( a ) ( 1 ) ( a ) Civil liability for willful noncompliance and FCRA 611 ( a ) ( 7 ).
Product: Debt collection

To date I have 8 different phone numbers from a company that says they are from XXXX XXXX regarding my XXXX XXXX account. I think the name they are wanting is XXXX XXXX ( hard to hear the name. ) The phone calls have started XX/XX/2019 to todays date XX/XX/2019. As of this date I have received 117 calls from this company. I do have the dates and times they have called. I also have the phone numbers they are using ( adding a new phone number today. ) I have since turned off my answering machine. This is the list of phone numbers they have been using : XXXX ( new one today ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Product: Debt collection

XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) came to my grandparents ' home saying that I had been sued and that they were trying to serve me. They did not provide any validation notices, etc. They are using deceptive practices and probably engaged in the unauthorized practice of law. Called their offices. They said that this involves Kay Jewelers. I can not believe that Kay Jewelers would use a place that uses these tactics. When told that we would pursue an FDCPA suit, XXXX XXXX at the law firm said sarcastically " Good Luck. '' When asked to leave a message for the identified lawyer, XXXX XXXX, XXXX XXXX said that he probably would n't call back. XXXX XXXX of the same firm said he did n't know who XXXX XXXX was and would not connect me to a supervisor and XXXX said that there were no supervising attorneys to connect me to. It looks from this website that others have had similar experiences with these people. They claimed there was a XXXX XXXX XXXX lawsuit filed against me, but my lawyer has checked the dockets and none have been filed. These people and their tactics should be stopped.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX - Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account ending in # XXXX XXXX XXXX Account ending in # XXXX XXXX XXXX, - Account # XXXX, 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, credit repair services, or other personal consumer reports

I have a problem with LexisNexis they will not provide me proof of verification for my public records accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )  and Bankruptcy Court you are required by federal law to Verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. LexisNexis has valeted the law and must delete the accounts on my public record. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an Original Consumer Contract with my Signature on it ) you have on file of my public records Bankruptcy Chapter XXXX as well as Chapter XXXX. I have enclosed a letter requesting method of verification of the accounts as well as a letter for the XXXX Federal Bankruptcy Court stating they do not provided any information to third party LexisNexis about any and all public records. Also my Social Security Number is not listed and my address is incorrect on the public records findings.
Product: Credit card or prepaid card

Recently I submitted a complaint around XXXX this year regarding Capital One. ( Capital One Case:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Basically they are accusing me of {$500.00} of non returned checks back in XXXX. When I just started working in XXXX, the month before.Maybe this occurrs with some people, but not me.And I've prompted and initiated an investigation within their fraud dept. to not only clear my name, but bring this account current to what I truly owe.In case I wasn't clear.Because up until this situation, I've always paid my debts.Well I am back now to submit another complaint because Capital One has raised their Apr sometime after I submitted the initial complaint, making it impossible for me to pay this debt off. I've even tried paying over a hundred dollars at their request just to be done with it and it didn't even put a dent in it.Because they informed me my {$50.00} wouldn't be enough.Then they turned around and informed me by email that my {$50.00} was late. And on XX/XX/XXXX a XXXX XXXX reached out to me by XXXX  XXXX, explaining to me that ( as we discussed on our phone call, on XXXX XXXX, your account was restricted due to history of unreturned checks on the account.And that unfortunately, we are unable to reverse the restrictions and the account will remain closed ) .I had just lost my mom XXXX XXXXTherefore I personally and emotionally had a lot going on.As far as having time to respond to this situation in a timely matter.As well as process it.Basically nothing changed.In fact one of their reps told me she didn't see any unreturned checks.And proceeded to tell me the {$50.00} was not enough for payment.And that I owed over $ XXXX.I 'm just needing some resolve from this.Banks and other corporations should not be able to do stuff like this legally and especially after you make a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERNED I AM A SENIOR CITIZEN AND I GUESS UPON MOVING SOMEONE STOLE MY INFORMATION AND OPENED A CREDIT CARD ACCOUNT WITH XXXX IN MY NAME AND THE ACCOUNT was opened XX/XX/2019 and the amount is {$80000.00} and the account number is # XXXX i would like for the item to be removed thank you
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this message finds you well. 

I am writing to bring to your attention an issue I am facing due to a nationwide cyber attack that affected my bank on XX/XX/XXXX. This incident caused delays in the processing of my payments, and I received a letter from XXXX acknowledging the situation and requesting that merchants take it into consideration. As a result, my payments were not released for approximately 9 to 10 days. Although my XXXX payment to Freedom Mortgage was posted on XX/XX/XXXX, the disruption caused by the cyber attack has negatively impacted my credit report. 

This incident has been reported to all three credit bureaus, and I am seeking your assistance in rectifying this issue, as it was beyond my control. I kindly request the removal of the negative report related to XXXX. 

I would greatly appreciate any help you can provide in getting Freedom Mortgage to reverse the negative impact this situation has had on my credit history. For your reference, I have attached the relevant letters from my bank. 

Should you need any further information or have any questions, please do not hesitate to reach out. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting

Experian will not remove the account # XXXX ( XXXX ) off my credit report as I have disputed this account a number of times. There is a mistake here and I need it corrected. Please have team to prove PROOF of the debt as it has impacting my credit score and causing high interest rates.
Product: Money transfer, virtual currency, or money service

My paypal account has just been closed and i believe it was a mistake. I am using my paypal account for my online business named as XXXX XXXX XXXX XXXX XXXX which aims to serve my customers by selling digital goods and services that they may need since XX/XX/2021. Though I have used paypal even before that. 
My paypal account " XXXX '' has funds stucked in it that I need to withdraw as soon as possible for emergency purposes. 

Thank you and XXXX bless.