23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, my name is XXXX XXXX and about a year ago I bought a bedroom set furniture from this store called XXXX XXXX they basically are similar to a XXXX store but have other items in which you need to have a contract for. I am not fluent in english at all ( In fact my niece is writing this for me as she knows English and is also a XXXX graduate ) so what they explained to me and what I later found out was in the contract don't match up. They basically told me that I had a period of 90 days in which I could pay a lower amount ( {$1200.00} ) for the furniture and it would be mine, if the 90 days passed I had to pay a higher price ( {$2500.00} ) making a payment of about {$47.00} dollars per week. I made an initial " downpayment '' of {$1100.00} which meant I had only {$150.00} left to pay then for the next four weeks ( clearly less that 90 days ) I made payment of {$48.00} dollars which even left me with a surplus of money of about {$40.00} but I didn't mind because that meant the furniture was mine and I no longer had to pay. However they kept making me pay claiming taxes and interest. I honestly did not count the payment and once added up, up until now I've paid {$2500.00} which exceed the original payment and also should not be with interest as it has not been a year ( they told me interest build-up after a year ). I also last month got a letter from acima, a debt collector, that told me I owed about the same amount of money and that I never made an initial downpayment. They contract also keep contradicting itself in many parts and is not accurate to what I was told. They made me sign the contract and 'translating '' the document to me, but I didn't know I was signing a contract for debt collection and money stealing so they scammed me out of my money. I don't wan na continue paying for something I've payed more than enough money for and when I made contact with XXXX XXXXl they told me it was not their problem and I should deal with acima which makes no sense as I was never informed of this. I spoke with acima and they told me to ask XXXX XXXX  about this debt because they have to collect it. It makes no sense and XXXX XXXX  tells me the only other way to solve the money issue is for me to return the furniture as it was like-a-lease which again they never told me it was that. Basically both companies have me going form one to the other without providing me a clear answer. This is no fair and I don't wan na seek legal help as I can't afford it. I honestly just want to not have to pay any of these companies anything, they can keep the money they've stolen.
Product: Credit reporting or other personal consumer reports

Per the privacy act of 1974 credit reporting has been violated the uploaded letter is advising that The U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX does not report information to any credit reporting agency
Product: Student loan

SALLIE MAE CLAIMS I AM A CO SIGNER FOR A PRIVATE STUDENT LOAN OPENED IN 2013. THE ACTUAL BORROWER NAME IS XXXX XXXX WHO IS MY EX GIRLFRIEND 'S DAUGHTER. THIS COMPANY HAS REPORTED THIS DEBT ON MY CREDIT BUREAU AS A CHARGEOFF. THEY ALSO ARE CONSTANTLY SENDING ME LETTERS AND EMAILS. I NEVER SIGNED ANY PAPERWORK COSIGNING FOR THIS PRIVATE STUDENT LOAN. I HAVE DISPUTED THIS THRU MY CREIT BUREAU AND ALSO HAVE SENT THEM A FAX IN WIRITNG ASKING FOR VERIFICATION OF THIS DEBT SHOWING MY SIGNATURE ON A CONTRACT AND TO STOP CONTACTING ME. TO NO AVAIL THEY HAVE DONE NEITHER.
Product: Credit card

I reached out to Klarna about an order that I noticed on my account that I didnt place for XXXX  and I am making this complaint because everytime I reach out to Klarna they dont do a thorough job
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX from your records.

Despite multiple requests made by me, XXXX XXXX, Experian Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX XXXX. It is evident that your refusal to adhere to my request constitutes a clear violation of both my consumer rights and the UCC law.

I hereby issue this final demand for Experian Credit Bureau to immediately cease and desist from any further delay or refusal to remove the reported information from XXXX XXXX in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Experian Credit Bureau for blatant violation of my consumer rights and the UCC law.

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within XXXX  Days. 
Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Debt collection

I originally contacted this company because I was confused about the nature of the bill. Soon I discovered that my insurance company through my employer had not paid my ER visit to the hospital. Also I want to add that the hospital never mentioned that I was outside of network.it took nearly two years for me to discover that I had not been covered because I XXXX  XXXX in XXXX.Upon my XXXX  I contacted this collection agency, I had no idea what this was about. The man on the phone was very rude and unprofessional he treated me like a XXXX  also stated that this account will never be removed and that it would remain damaging my credit and that if I didnt pay this that it would continue to increase and that there is nothing I can do but give full payment and that it would still not be removed from my credit.It has really impacted my ability to XXXX  myself since I cant even find a place to live since this account continues to increase in cost that I can not afford to pay.
Product: Debt collection

Online Information Services has reported information to my consumer report. Online Information Services did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Online Information Services to provide the agreement under penalty of perjury. Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Any referral that subjects me, the consumer to any prohibited under the FDCPA is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand Online Information Services to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to Online Information Services stating all facts which includes each violation and the damages that you have caused me.
Product: Debt collection

This judgment is from XX/XX/XXXX. I wasn't aware of this collection action until XX/XX/XXXX. Company garnished my wages through XXXX  county and I filed for an exemption for {$20.00} a check. This was approved. They then filed another judgement for the same case number in a different county for 25 %. This is against the law. Not only is this judgement from XX/XX/XXXXand I wasn't even aware of it. I was never served or anything. But they were garnishing me for more than 25 %. Now they want me to pay them directly {$80.00} a month so the sheriffs department doesn't collect fees and they get more money. Please help.
Product: Vehicle loan or lease

I am trying to pay my monthly bill for my lease and also set up XXXX. Mini Financial Services is not able to accept my bank. The website, and evidentially their internal systems, say that my bank routing number is invalid. Actually, the routing number is valid and works with every other financial institution. I want XXXX to take this seriously and address their issue.
Product: Vehicle loan or lease

The account is closed and paid off by settlement meaning no more inquiries should be popping up on my credit report it was paid off months ago. I was in a terrible car accident and the insurance and financial company didnt want to do anything about even the few lawyers I talked to said these are the worst companies to do business with as they always try to get out of paying any money towards accidents. Now they keep putting out inquiries to the credit bureau, now messing up my credit score that Ive been in the process of fixing so that Ill be able to buy a home.
Product: Credit card

I was already being sent a new credit card from Capital One as they had received information that clients may be comprised when shopping at a particular merchant. However, I got my new card, activated it, had it active for about a week, when suddenly i 'm charged {$190.00} from XXXX XXXX XXXX for the old number! Not only was that number supposed to be deactivated, someone was still able to use it to make a new purchase. Capital One claims it is because they will allow subscriptions that used the old card number, to pass through to the new card number ; in other words they are still connected, despite being given the impression that they were not. I told them I have never shopped with XXXX XXXX XXXX and therefore this being a new purchase, regardless if it was a subscription, should have been denied as it was completely new, and therefore a new subscription that should never be allowed to be used on a deactivated card. I had already cut my card up too. The more I spoke with them the less confident I felt in their abilities to protect me from fraud, as because it was a subscription they would just let it be processed without calling me first despite it being an old number that was supposed to have been deactivated. I was told I can call XXXX XXXX XXXX with them to get them to cancel the subscription, but apart from that all they can do is block. But I do n't feel they will really block them. I am upset that they do not understand that if I have NEVER used someone, regardless of subscription, then why would you allow a NEW subscription to be used on a " supposedly '' deactivated card?? I will be speaking with them more but am heavily considering canceling them.
Product: Checking or savings account

On XX/XX/XXXX I sent XXXX XXXX a XXXX payment for {$740.00} for rent. A week later my room mate tells me he hadnt received the payment. I went in to my Chase account using the App and that is when I noticed that one of the numbers to the phone number was wrong. I immediately called the back of my debit card and spoke to a representative where I filed my claim. I was told that they would let me know what the outcome would be in about 10 days. They asked me if I knew the person who had received the money who happened to be a XXXX name and I continued to inform them that I didnt know her and that the money was intended to be for XXXX XXXX as stated on the transaction. I received a letter letting me know that the transaction would remain on my account as a XXXX transfer. When I called the claims department to Chase they informed me that in order to retrieve the money from the woman I had accidentally sent it to, that they would need her authorization and that they couldnt get a hold of her. When they called her, she answered, was put on hold and the call was disconnected. They asked me if I wanted them to try a second and third try and I told them yes. Since then I havent heard from Chase. Its concerning that when I open up the Chase app, the XXXX XXXX is there for customers to use and you fully trust that as a financial institution you would be protected if something went wrong. The woman who accepted the money has no right to receive it as it wasnt intended for her. Her name is not XXXX XXXX
Product: Credit reporting

Experian is refusing to honor my disputes when they are knowingly reporting incorrect information. I filed for Bankruptcy and after it 's discharged, they are not allowed to report past due balances, past late payments or derogatory statuses. No matter what I do, I even sent disputes Certified Mail with a return receipt, Experian refuses to conduct an investigation and is blatantly breaking the law.
Product: Debt or credit management

Equifax failed in its basic duty to investigate and resolve consumer disputes about inaccurate information on their credit reports, causing significant financial loss and even causing homelessness. Due to the disputed items on my report not being removed when they should have been due to fraud, my credit score and history prevented me from securing living quarters resulting in homelessness.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I dispute the charge-off account reported by XXXX on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request verification of this account, including a full accounting of the alleged debt.

Please provide proof that this debt is valid and was handled in compliance with the law. If you can not provide this verification, I demand the immediate removal of this charge-off from my credit report. 

Failure to comply will result in further action for reporting inaccurate information under the FCRA.
Product: Mortgage

During load payoff process the mortgage processor ( Chase ) received my check on XX/XX/2021 at the address where my monthly payments are normally sent along with the payment stub that comes with the monthly statement. Chase did not record receipt of the check and forwarded it to their loan payoff department. On XX/XX/2021 I noticed that the payment had still not been processed ( which was now 11 days after the check was sent ). I contacted Chase and they indicated that they had no record of receiving the check and suggested instead that I visit a local Chase branch to make the payment in person. I contacted my bank and they verified that the check had not been submitted for payment and I initiated a stop process at a cost to me of {$31.00}. I made the payoff at the Chase Branch on XX/XX/2021 but was required to pay interest on the loan through that date, which was {$120.00} higher than my original payment. As if by magic my original payment made it to the payoff department on XX/XX/2021 and they returned it to me as the loan had already been paid off. Chase 's stated policy is that checks will be processed the day received. Regardless of where they received the check I feel that the account should have been credited that day and not 11 days later as they clearly opened the correspondence and evaluated the check and my account to the extent that they realized that it would result in a full payoff. I contacted Chase about refunding my interest overpayment and they were uncooperative in dealing with the issue even though their mismanagement cost me an extra {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I sent Equifax a dispute request regarding an unverified account from XXXX XXXX XXXX Asking to have the debt verified. I also sent a debt validation letter to XXXX XXXX XXXX tracking # XXXX which shows the debt validation letter was delivered and sigh for on XX/XX/XXXX, XXXX. After viewing a recent copy of my credit report I noticed you removed the account from my report in XX/XX/XXXX however the account was reinserted and I was NEVER NOTIFIED which is a direct VIOLATION OF FCRA. There is no indication on my account that shows I sent you a debt verification letter last month and it has been over 30 days with NO response. I CAN NOW PROVE YOU ARE IN DIRECT VIOLATION OF FCRA for FAILING to conduct a reasonable investigation with respect to the disputed information and continuing to report inaccurate information after being notified of the inaccuracies within the allowed 30 day time frame..
Product: Vehicle loan or lease

In XX/XX/year>, I reached out to Westlake Services , Inc. to request specific documents related to the repossession of my vehicle. Despite waiting over a month, I havent received the auction receipt or the original loan contract I asked for. This lack of response is preventing me from understanding the details of the repossession and ensuring everything was handled correctly. Im now seeking assistance from the Consumer Financial Protection Bureau to help me obtain these documents and verify that all procedures were followed properly.
Product: Credit reporting or other personal consumer reports

As you can see by attached proof from XXXX XXXX, I've made XXXX payments on time over the last XXXX months and my current balance is reflected as XX/XX/2024 was XXXX... XXXX XXXX had an issue on their end and had to reset up plan in XXXX.. I've asked them multiple times to update my credit report as current and reflect current balance...
Product: Credit reporting or other personal consumer reports

I'm writing to you in order to formally alert you about an identity theft occurrence and several false accounts on your credit file. I recently got a copy of my TransUnion credit report, and I saw a number of unlawful accounts and transactions that I neither opened nor gave my permission for. This is a really important topic, and I need your help to find a solution. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. 
The following fraudulent accounts have been reported on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me and was neither opened nor authorized by me. I believe that the unauthorized creation of this account was made possible by the compromise of my personal information.
Product: Debt collection

Contacted debt collection compant wouldnt give me any valid information. Only that theyre collectIng on behalf of XXXX  but couldnt validate debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off listed on my credit report for an account with POSSIBLE FINANCIAL. After reviewing my credit report, I have identified this entry as inaccurate and request that it be removed by the Fair Credit Reporting Act ( FCRA ). 

Account Number is incorrect XXXX and XXXX are both being reported on my credit report. All information should be reported the same for all XXXX  agencies. 
Closed Date is incorrect The payment amount is incorrect The details of the charge-off appear to be incorrect due to incorrect information being reported. I have attached supporting documents of my credit report to substantiate my claim. 

Under the FCRA, credit bureaus must investigate disputed items within XXXX  days and remove or correct any unverifiable or inaccurate information. Therefore, I kindly request that you investigate this matter and provide a written response detailing the outcome of your review. If the creditor is unable to verify the accuracy of this charge-off, I request that it be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX isn't reporting accurate information on this account. The last active and last reported dates are all inaccurate. The account is closed and has been since 2017. The credit bureau shows a payment history past the date of closure which does not exist. So the only company that could be misreporting this information is XXXX. Where else would the credit bureau get it from? They make mistakes but this is pretty big! I've filed a dispute with the credit bureau as well.
Product: Money transfer, virtual currency, or money service

Using XXXX, I leased out my condo in XXXX, OR, for the summer ( 56 nights from XX/XX/XXXX to XX/XX/XXXX ) to a XXXX XXXX of XXXX Arizona He made his payment on XXXX-18 using his American Express card. 

" Guest Paid : XX/XX/18 - XXXX XXXX - American Express Your rental agreement was accepted on XX/XX/18 at XXXX XXXX  by XXXX XXXX from IP address : XXXX '' I met him on XX/XX/XXXX, looked at his ID. Gave him the keys. 

I received. {$5400.00} He left XX/XX/XXXX. And one week later, as per our agreement, I returned his deposit. 

On XX/XX/XXXX he told American Express that he did not make the charge. 

The payment was reversed, and taken from my checking account. 

I believe this is fraud, or maybe theft.
Product: Credit reporting or other personal consumer reports

I called Equifax and spoke to the manager XXXX, Employee Number ( XXXX ), who said to file a report with the FTC to remove my inquiries. The employee was very rude and unprofessional. Gave them the law 16 CFR 313.1 and 15 USC 1681b and still wouldnt remove the inquiries after being notified. These laws which the CFPB has to enforce under 15 USC 6805 need to be handled. They are violating the law and getting away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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