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

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX  to purchase a vehicle ( XXXX XXXX XXXX XXXX ) I found in an online ad. Upon arrival XXXX test drove the vehicle and decided to buy it. I sat down with the sales person, XXXX, and we agreed to the terms of 8.38 % APR with a down payment totaling {$2600.00} in the form of a trade-in ( my XXXX XXXX XXXX ) for a total purchase price of {$31000.00} for 72 months at {$390.00} per month. We signed the paperwork and I was told that I would get my first bill on XX/XX/XXXX. We then closed the deal and I took the car home. Over the next month I was expecting to receive correspondence from Capital One but it never came. I waited another few weeks, on or around XX/XX/XXXX, and then I called Capital One to inquire about the lack of correspondence. At this point it is Around XX/XX/XXXX and I was told by Capital One that there was no record and that I would need to wait til the paperwork came through. Then, a few days later I received a call from XXXX XXXX XXXX saying the deal was not approved by Capital One and that I needed to bring the car back. I went back to the dealership on XX/XX/XXXX and XXXX, the salesman, explained that Capital One was at fault and that they did not approve the deal. So while I was at the dealership I decided to call the Capital One myself to find out why. The Capital One representative said that Used Imports Auto never submitted the paperwork and that Used Imports Auto was at fault. They then explained that my only option was to go through the credit approval process again. The two companies were essentially putting the blame on one another with no clear explanation at to what happened. I was essentially forced to make the decision to either return the vehicle to XXXX XXXXXXXX XXXX or go through the credit application process again for new terms. Because I did not fully understand the ramifications of doing so, I obliged. I subsequently received new financing terms consisting of a 12.63 % APR, with a down payment of {$2300.00} in the form of cash for a purchase total of {$33000.00} for 72 months at {$430.00} per month and the previous trade-in was nullified. I considered my options, which were very limited at this point seeing as my credit score had dropped significantly after they ran my credit the first time I applied ( it dropped due to the number of inquiries ). Additionally, I had already been driving the vehicle for a month and a half so I felt like it was already my own. I reluctantly signed to the new terms, and later tried to figure out later on what really happened to the previous deal. To this day I have not received any answers, but my mother convinced me to submit a complaint and I also plan to file a lawsuit. My credit has suffered a great deal from this exchange and I feel I deserve answers and compensation.
Product: Debt collection

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ) has been sending me collection notices in the amount of ( {$110.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Vehicle loan or lease

I received an email from XXXX XXXX at Wells Fargo on XX/XX/XXXX asking me to provide proof of insurance from XX/XX/XXXX to XX/XX/XXXX for the XXXX XXXX XXXX on which I co-signed. She said they owed me a refund if I also insured the XXXX. Ms. XXXX gave a reference number of XXXX. I responded the same day with an email ( attached ) saying they know the car was insured because the owner 's insurance paid off most of debt on the XXXX after it was stolen and burnt -almost beyond recognition. I requested a refund of CPI Policy XXXX - the collision protection policy they inappropriately purchased and charged my brother-in-law and myself. Because I am the person who paid off the car after the insurance payment, due to lack of gap insurance, I stated the refund should be paid to me. On that same day, XXXX XXXX responded as the Wells Fargo CPI Payment Administrator stating my request was being referred to another department. 
On XX/XX/XXXX " the Office of the President '' sent a letter saying they were aware of my concerns and would send me a package within the next 10 days. A second letter arrived on XXXX/XXXX/XXXX from XXXX XXXX, " Executive Resolution Specialist '' with the same basic message. Neither of these letters mentioned nor directly addressed the statements I had made in my email of XX/XX/XXXX. 
On XX/XX/XXXX, a check for {$5.00} arrived via XXXX XXXX. Upon receiving the check, I sent a 2nd letter on XX/XX/XXXX ( which they received XX/XX/XXXX ) requesting a copy of the policy and proof of payment ( attached ). Wells Fargo has sent 2 more letters ( attached ). Neither of them provided the information I requested. I am counting this complaint as my response and will send a copy to XXXX XXXX because she is the last person to correspond ( and ignore my request ) with me from Wells Fargo.
Product: Debt collection

I am writing to formally dispute the handling of my contract with your company. I have reason to believe that Conns Furniture has engaged in fraudulent activity by using my contract as collateral for cash advances without informing me. This action was done without my knowledge or consent, and I was not made aware that the liability of this transaction would ultimately be transferred to me. 

Under contract law, transparency is required, and as the consumer, I should have been informed that my contract was being used for monetary gain on your end. The failure to disclose this critical information constitutes fraudulent misrepresentation. You did not inform me that my liability would be transferred while you benefited from cash advances using my contract as collateral. 

I demand immediate action to address this fraudulent practice, including removing any negative reports associated with this account from my credit report and providing a complete breakdown of how my contract has been used. 

Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as these practices violate my consumer rights. I request a prompt investigation and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT ONLY HAVE MY HIPPA RIGHTS BEEN VIOLATED BY AMSHER COLLECTION AGENCY ADDRESS IS XXXX XXXX XXXX # XXXX, XXXX, AL XXXX AND PHONE IS XXXX BUT THEY ARE REPORTING ON AN ACCOUNT THAT WAS COVERED UNDER FINANCIAL ASSISTANCE BY THE INSTITUTE. I HAVE PROVIDED THEM WITH A COPY OF THE LETTER AND THE DEBT HAS STILL NOT BEEN REMOVED. ACCT NUMBER THEY ARE REPORTING ON IS XXXX FOR APPROX XXXX. AN EMAIL WAS SENT WITH THE DOCUMENTS TO XXXX AND I SPOKE WITH A REPRESENTATIVE ON THE PHONE.THEY HAVE THE ACCOUNT UNDER MY MAIDEN NAME I BELIEVE. XXXX XXXX NOW XXXX XXXX.
Product: Debt collection

XXXX XXXX holds a debt for XXXX. I told them and disputed that XXXX renewed my contract without my knowledge and charged me for it. I had switched to XXXX at the time but XXXX kept charging me even after my contract was up.
Product: Debt collection

I am having problems with portfolio recovery, they not only posting debt that have been changed off and have been written off, which I do not owe this debt legally. I would like them to remove this debt from my credit report, or I would like them to provide me with a written agreement that I borrowed this debt from them. Or remove this debt from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has disputed XXXX XXXX 3 times or more for me since XX/XX/2017. I'm finally putting my foot down. I exercised my Fair equal credit rights & was rerouted several times getting different results. I asked the representatives to provide me with the exact information that XXXX used to authenticate me to Equifax & several could not find notations addresses or anything. The last representative was asked the same thing and lied using the information I had used while being pre screened or verified. Funny thing is they sent me my most recent credit file to a Ky address that could not be saved unless requested in writing. He took no time to blurt out my old Ohio address thats been on my file for many years ago. Equifax allows minimal informations for debt collectors because Equifax sold them this information in the first place. Equifax needs to have criminal charges filed for violation of my rights after trying to exercise them here in the United States. XXXX  & XXXX   removed this account in question several hours after the dispute. Equifax refuses no matter what I do to prove they are wrong which I have done multiple times lately.
Product: Credit card or prepaid card

In XXXX I noticed a charge for XXXX from XXXX XXXX XXXX XXXXXXXX. I looked into it more and saw a few charges for the same amount some just a week apart from the same company as well as charges from XXXX for XXXX and I hadnt made any purchases from XXXX at that time. 

Today XXXX XXXX XXXX I went back and looked through all my credit card history and found I had XXXX charged XXXX XXXX times a month a week apart since XX/XX/XXXX totaling up to XXXX. 

They initially credited the money and cancelled the card and sent a new XXXX, but have now charged me XXXX on XX/XX/XXXX I called they today and they said the fraud team thought it was legit purchases. I called before that department was open this morning, so I would have to call back later. 

I tried calling them at XXXX and again at XXXX today XXXX XXXX XXXX but they act like they cant hear me and hang up. I have tried calling someone else to make sure it wasnt my phone and the person I called could hear me fine
Product: Credit card

After XXXX rounds of credit bureau disputing Capital One has failed to comply with the FCRA and updated status dates/dates of last activities as well as posted brand new delq dates. This is really having huge negative impacts to my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to this account still showing on my credit report- Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reference # XXXX Pursuant to 15 USC 1681b , I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Credit Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instructions to whom it relates. 

My character was defamed, my character, my reputation, my worthiness, capacity, and mode of living, has been destroyed. 

All of these violations are a direct violation of 15 USC 1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18 USC 1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability and i demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on the right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all of your systems immediately.
Product: Money transfer, virtual currency, or money service

I had a unauthorized transaction on cashapp showing my money was withdrawn which I did not do I filed a report with cashapp and they closed my report within a day! They didnt even investigate it The transaction was done on XX/XX/2024 at XXXX XXXX  for the amount of {$1000.00} I did not make it and had my card In my possession at all times and I never gave out my pin or anything they denied my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I successfully filed for a credit freeze with XXXX  and XXXX online. When I tried to do the same with Experian, they insisted that I copy and send all this information by mail. It is a gross inconvenience. Also, their webpage directed me to XXXX so that opt out of receiving their third-party advertising. That webpage crashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX 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 as a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the closure of my XXXX account ending in XXXX, which was closed on XX/XX/year>, due to an alleged inability to verify my personal information. I request that you provide specific details about what information could not be verified and the methods used in your verification process. 

Under the Fair Credit Reporting Act ( FCRA ), if the information can not be verified, it must be removed from my credit report. According to the FCRA, you are required to verify the accuracy of the account information reported to credit bureaus. If you are unable to provide verification, I request that this account be immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX has violated my privacy according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Mortgage

On XX/XX/2021 I received an email from Freedom Mortgage Company ( my current mortgagee ) that my loan application is complete. I NEVER APPLIED FOR A LOAN. On XX/XX/2021 I received an email requesting that I click on the above link to start the process & sign application. I called Freedom Mortgage and advised them that I had never applied for a re-fi. To which I was told that I had applied on XX/XX/2021. She indicated that " XXXX '' was my loan office and she would connect me with him. She then put me on hold only to return to advise that " XXXX '' was not available and would call me back to which he never did. Then on XX/XX/2021 I received another email stating that my loan application was being mailed to me via XXXX. I did receive the package, that I NEVER REQUESTED I NEVER initiated a loan re-fi with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE WANT COPIES OF THE LIS PENDENS FROM XXXXXXXX XXXX FOR THE HOME LOCATED AT XXXX XXXX XXXX, XXXX XXXX  XXXX, A COPY OF THE LETTER OF ABANDONMENT FROM THE XXXX TRUSTEE AND THE MOTION TO LIFT THE AUTOMATIC STAY WHICH YOU VIOLATED. XXXX WENT TO THE HOME AND CHANGED ALL OF THE LOCKS AND PLACED A LOCK BOX ON THE DOOR, THE HOME WAS NOT PHYSICALLY ABANDONED. THE ELECTRIC WAS ON IN OUR NAMES AND I WAS IN AND OUT OF THE HOME RESTORING IT. THIS IS WHY IT CITES OIN MY WIFE 'S XXXX RECORDS THE HOME WAS ABANDONED.CARRINGTON TOTALLY VIOLATED THE STAY WILLFULLY! 

.WE RECEIVED ADDITIONAL INFORMATION WHICH WAS TOTALLY SHOCKING REGARDING THE PLAYERS WITHIN THE XXXX  INVOLVED ON MY WIFE 'S CASE. NOW EVERYTHING MAKES SINCE AND THE PUBLIC NEEDS TO BE INFORMED. IF IT HAPPENED TO US WE KNOW THERE ARE THOUSANDS OF OTHERS IN EACH STATE XXXX XXXX HAS OFFICES, WHICH HAVE AND ARE GOING THROUGH THE SAME SCENARIO. THIS IS NOT US JUST TALKING! 

According to the US Trustee Office, An individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys fees, and, in appropriate circumstances, punitive damages. Well, EVERY CRIMINAL ENTERPRISE STATED WE RECEIVED LOANS ON EACH OF OUR PERSONAL PROPERTIES BUT, WE DID NOT! My wife filed Bankruptcy WHICH SHOULD HAVE NEVER BEEN FILED. Our properties were abandoned by the XXXXXXXX Trustee XXXX XXXX XXXX citing no equity. 

Furthermore, if we were paying the mortgages on the home why would there be no equity. The answer is BECAUSE WE NEVER RECEIVED ANY LOANS ON ANY OF OUR PROPERTIES SO, IT WAS AS IF NO MORTGAGE WAS PAID. OUR MONEY WAS STOLEN! The trustee abandoned EVERY PROPERTY, LAWSUIT ( MY WIFE 'S COMPANY FILED A LAWSUIT AGINST THE STATE OF AND THE XXXX XXXX WAS STOLEN BY THE STATE OF GEORGIA VIA HER COMPANY 'S REPRESENTING ATTORNEY, XXXX XXXX LOCATED IN XXXX XXXX ), HE ABANDONED MY AUTO ACCIDENTS BUT LATER STATED HE APPROVED ONE OF HER COLLEAGUES TO REPRESENT ME XXXX XXXX WHO LATER TERMINATED ME BECAUSE THEY WERE AWARE OF THE DRIVER WHO HIT ME COMMITTING SUICIDE ). AS FAR AS WE ARE CONCERNED THEY WERE A PART OF HIS DEATH!! ACCIDENT DATE XXXX HE COMMITTED SUIDCIDE OF XXXX. ( EXTRA INFO ) Back to the topic at hand,. The properties since abandonment should have been returned back to my wife, XXXX XXXX XXXX The trickery of a LIFT OF STAY. How can a judge approve a lift of stay KNOWING THEIR WAS FRAUD AND AN INVESTIGATION IS REQUIRED. DO THEY REALLY THINK WE ARE STUPID? TO TOP IT OFF EACH HOME HAD A RECORDED LIS PENDENS ' ATTACHED TO EACH. IF WE HAD OR RECEIVED A LOAN THE LIS PENDENS NONE OF THE HOMES COULD NOT BE SOLD UNTIL THE LIS PENDENS WAS SATISFIED. THE HOMES WAS STOLEN PRIOR TO MY WIFE 'S DISCHARGE XX/XX/2022 ( WHICH IS MY B-DAY ). I THINK THE XXXX WAS ATTEMPTING TO BE HUMOROUS. GIVEN THE EVIDENCE VALIDATING THE CONNECTION BETWEEN XXXX, XXXX XXXX, THE XXXX JUDGE AND TRUSTEE. 

ALLOW THEM TO LAUGH! SO, IF WE HAD A LOAN WHERE IS THE MONEY PAID MONTHLY FOR XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

THE LIS PENDENS ' HAD TO BE SATISFIED AND PAID DIRECTLY TO US!
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. 

Account name : XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX, CXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # 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: Debt collection

Portfolio recovery is trying to collect {$470.00} with me. 
They reported on my XXXX credit report that I owe their {$470.00}. 
I never open account with them, and I don't have any debts. 
XXXX They refused to listen and want collect money from me. 
I am working hard to get my money and I can't spend it for scammers.
Product: Student loan

I have XXXX and XXXX loans with Navient and I have been told repeatedly that my payments can not be lowered from $ XXXXmonthly, forcing me into a forbearance where the interest has now practically doubled the amount I originally borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried getting my student loans removed from my account, student loans according to title 15 they do not have permission to report my personal info. That's breaking the privacy law {$1000.00} violation FCDPA says a consumer can't owe a debt. If the law is here to protect me how can they ( CRA 'S ) keep violating a consumer???

15usc1681b no permissible purpose I need the documents that were physically signed in wet ink. 
It holds no value if it wasn't signed. Technically I never signed with XXXX  or know who they are. It is considered fraud unless they provide all original documents. 
After signing, 180 days following the loan is paid off which is a surety bond. 
Electric signature means the debt is not owed. PROOF OF DOCUMENTATION is a wet ink signature. THEY have to provide original letter of indebtness or remove. Proof of promissory note is the verification of owing the debt.
Product: Checking or savings account

My account was being charged thousands of dollars to a online gaming sight that my daughter was playing on and remind your self XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were on this web page and kept buying more gambling coins " how I know '' I asked them what the XXXX  they were thinking? We'll a XXXX XXXX don't just stop they keep going it's in there nature. So I reported the unauthorized claims to wells fargo and they closed my account and forced closed my checking and said I was a risk assessment and denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union incorrectly listed a credit card balance o na XXXX XXXX. I filed a dipsute. Instead of fixing the error and updating my balance they erronesoulsy just DELETED the whole account from my credit file. That is totally incorrect response. Thjey need to ADD the XXXX Account BACK into my credit report and UPDATE the BALANCE on the account to XXXX ( XXXX ). The DATE TRANSUNION completed their investigation was XX/XX/2019. The amount disputed was XXXX Balance. The current balance is XXXX. 
I could not dispute their action online and I have not been able to get them to re-instate the account by phone.
Product: Debt collection

I owed XXXX on a credit card debt to XXXX XXXX. I called Midland funding in XXXX XXXX on XX/XX/2020. We agreed to settle for XXXX dollars. They accepted the ach that day, it cleared the next day and they lowered the reported balance to all three bureaus within a week. The XXXX remained. I called the the end of XXXX they said they would report it XXXX balance. 

I called in mid XXXX, same thing, nothing happened. I called on XX/XX/2020 and they assured me they would have it removed in days not weeks. It's there and I'm astonished. It's the last adverse item on my report. I think I'm entitled to some movement after 60 days this. 

Thank you for your attention to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been contacted via certified mail. They are in violation of my rights as a natural person consumer.
Product: Money transfer, virtual currency, or money service

On several occasions where i tried to send money to different people/businesses and it states that i can not send payment because im paying from my debit card/ account which when i send to other people it can