23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I applied for a loan from ace cash express on XX/XX/2015 I was approved and received my money. I don't remember the exact amount, but they are saying I owe XXXX now. They call me repeatedly 19 times in 2 days. I've offered to make payments on my time with what I can afford I work part time and make XXXX an hour working 15 hours a weem paid every 2 weeks and plus raise my son. They told me they have me on video, which is wrong I applied online, and that I drive a black XXXX, which is wrong. They tell me they will use me, take me to court and make sure my son get taken away. I'm XXXX off over this I understand I need to pay it and I will buy I refuse to let my son not get his daily nutrition over a payday loan payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account that was opened in my name without my knowledge or consent. The account in question was opened at Wells Fargo and has resulted in a charged-off balance that now appears on my credit report.

I did not authorize the opening of this account and have never had any involvement with it. I believe I am a victim of identity theft. I was not even in US at that time. 

Despite notifying Wells Fargo of the fraudulent nature of this account, they have refused to acknowledge it as such. I am therefore requesting that Wells Fargo immediately remove all information related to this account from my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Consumer Loan

When my loan payment was setup for autopay from my bank account there was a mistake on my part and I listed a checking account that I normally do n't use and my bank rejected the payment because there were no funds in the account that they tried to debit. When I received my loan statement for the following month I noticed the error and past due amount and made a branch payment for the past due amount. The lender had contacted the salesman that I purchased the car from to have him contact me to get a payment status. When the salesman contacted me I asked why they were contacting him and not me directly and I explicitly told the salesman that I did not want him communicating with the lender on my behalf that I would contact them directly. I called the lender the following day and the representative I talked to demanded to know why my payment was XXXX days past due. She threatened me that my loan was under review and they they were going to stop servicing my loan. She also informed me that they had contacted the dealership and all XXXX contacts that they made me list on my loan application regarding the past due balance on my loan. I informed her that the only person that I have authorized to discuss my loan with was myself and that they did not have authorization to contact the dealer or any contact on my loan application regarding my loan. She countered that they do in fact have the legal right to contact anyone they wanted to in regards to status of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute with several credit reporting agencies regarding errors on my credit report I have submitted several disputes and sent documentation to the bureaus and requesting them to provide me with documentation showing proof that the negative accounts reporting on my credit report are valid. I submitted a dispute on XX/XX/2019, XX/XX/2019 andXX/XX/2019 to XXXX, Equifax and XXXX. None of the bureaus did a fair and reasonable investigation, instead choosing to do an automated verification through the computer system. 

They are reporting a negative account of {$400.00} and an account of {$250.00} on my credit report and refuse to give me any supporting documentation to prove these debts and this is affecting my ability to obtain credit, get better employment, my financial goals and the ability to start a business. I disputed the accounts directly with the two creditors and one sent me a letter stating they are not obligated to show me proof which is a violation of my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX bankruptcy discharged Account # 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
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$2700.00} FB XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have a a unverified account from FABCO # XXXX. I had previously disputed this account. I have never done business with FABCO. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. You are a unknown credit bureau company that has stored information that was not authorized by myself you are in violation under section 604 and 605 of the FCRA. 
My name is XXXX XXXX XXXX and I would like to place a security freeze on my file. 
I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING AT MY CREDIT REPORT AND ON EXPERIAN AND XXXX THERE IS AN INACCURATE LATE PAYMENT! 

I WAS NEVER LATE ON 2020 XXXX! 

PLEASE HELP! I HAVE SUBMITTED A PREVIOUS CFPB REPORT TO THE BUREAUS AND THEY HAVENT HELPED AT ALL! ~
Product: Credit reporting or other personal consumer reports

I did not consent a fraud alert on my credit file
Product: Money transfer, virtual currency, or money service

Alliance Association Bank handles the monthly payments for my XXXX XXXX XXXX XXXX XXXX XXXX Myself, and many other owners, are enrolled in auto-draft to have our monthly dues ( {$590.00} ) pulled out of our account on the dates and frequnecy we input. 

On XXXX, {$590.00} was mistakenly withdrawn from my bank account and many others in my XXXX. I have my auto-draft set to the first of each month. If every unit in my association was signed up for auto-draft, this would have the potential of being a {$150000.00} mistake ( XXXX units x $ XXXX fee. 

Alliance Association Bank acknowledged the mistake, but it took 3 full business days for the {$590.00} to be deposited back into my bank account. 

This is more than just a trivial mistake. This is an operational failure that had a significant impact in hundreds, if not thousands, of consumers. I am lucky to be able to handle this amount being taken away for 3 days, but imagine those who are not so fortunate. That is one reason I am filing this complaint. Somewhere at Alliance Association Bank that was a complete breakdown of controls to allow this to happen.

The group responsible for this mistake needs a very deep review by the audit and operational risk management functions at this bank.
Product: Debt collection

Portfolio Recovery and Associates are claiming that I owe them {$6800.00}. I have sent them 3 letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to provide a contract with them or anything to validate this date bearing my signature. They have not been able to provide this information but they continue to report this on my credit report. 

They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

They are liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. They did not mark my complaint as disputed but marked it as resolved without providing my signature on a contract. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

They have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts. 

I have certified mail receipts dated XX/XX/XXXX, XX/XX/XXXX ( should be XXXX ) and XX/XX/XXXX. The one dated XX/XX/XXXX has a tracking number of XXXX XXXX XXXX XXXX XXXX was actually received on XX/XX/XXXX at XXXXXXXX XXXX which is mail fraud. It was held so they could buy more time to find my signature which they do not have. 

They are required by law to remove this from my credit report or face legal action for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 5. ) Mail Fraud This false information on my credit report is costing me in higher interest fees and I am being denied credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 



I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 



I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

12. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts DO NOT BELONG TO ME!!! 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$460.00} XXXX Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$500.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$830.00} XXXX XX/XX/XXXX Balance {$400.00}
Product: Credit card or prepaid card

This is a follow-up to my previous multi-part complaint submitted on XX/XX/18. As I explained in that complaint, when buying some XXXX airline tickets on line, a popup invited me to apply for a XXXX XXXX XXXX card, with an offer of XXXX bonus miles and a {$200.00} airline ticket credit if the customer spends {$3000.00} within 3 months of card account opening. I complained that I did not receive these bonuses, that the advertising was unfair and deceptive, and that the company 's complaint process required me to keep calling back and strung me along for months. 

The American Express response XX/XX/18 addressed only 1 part of my complaint -- telling me that I did not receive these bonuses because I was a previous cardholder. 

The response was silent regarding the unfair and deceptive advertising to sell me this product. My complaint said that, while American Express had no intention of paying the bonus miles and airline ticket credit to customers who previously had the XXXX, they did not disclose this up front to the customer. This led me to apply for a Card for no benefit to me. I have recently received a Card offer from a competitor, XXXX, that states clearly in the advertisement the bonus eligibility requirements. Why didn't XXXX do this? It led to a lot of trouble and harm in my case. I purchased a ticket at a higher price than I thought I was paying ( due to not receiving the ticket credit of {$200.00} ), and caused another unnecessary credit inquiry. 

The response from American Express was also silent regarding my complaints about their cumbersome and unhelpful complaints process. Specifically, I said in my complaint that the company does not directly respond to customers who complain. Instead, we are told to wait 6-8 weeks and call in to find out the status of our complaint. 

I am attaching the XX/XX/18 American Express response documents for reference. 

Please kindly respond directly to these complaints. 

Thank you.
Product: Vehicle loan or lease

When they took my car nor did they reach out I reached out to them and there head office. They didn't have a manager in XXXX when this was happening they never offered to work with me to get my car fixed that's a lie the letter they claim they sent me I have not never seen it until now XX/XX/year>. Would like to see all the paper due to what they are saying they told me.
Product: Student loan

I complained once already ~ I heard from XXXX XXXX at Discover Student Loans on XX/XX/XXXX. I have not yet once been able to contact her. ( What a joke. ) She does n't actually ever answer her phone. She told me to call the forbearance department. The XXXX time, back in late XXXX, they told me I had to wait until my payment was almost due on XXXX XXXX. I called back today and the guy was explaining that my payments will be larger - almost trying to scare me out of doing a lower payment plan for 6 months. This seems outrageous - what kind of financial help is this? I did understand that they are refusing to extend the terms of the loan. *BUT* they gave me *FALSE INFO* from the beginning and I promise you a rep there told me I could do income based repayment back in Fall XX/XX/XXXX before I signed up with them. But they do n't have a recording -- they do n't care. They are not losing anything in their eyes. All I needed was an estimate of what my loan will look like month-to-month after I go on a reduced payment plan and the guy, XXXX, I believe, he said " Sorry we do n't do that. '' Is that customer service? No, that is pathetic. That is what that is. They care very little. This is called financial slavery. And I could re-finance with another company but get the same exact rates and then destroy my husband 's credit score with a large loan like that. Outrageous - I basically went to college so I could be in financial prison. I can barely afford to pay for my housing and food when I 'm paying $ XXXX/month on student loans - what the heck was the point of college? WHAT A JOKE. Do n't ever sign up for private loans ever!
Product: Vehicle loan or lease

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX. by ( XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft CBNA/BBY Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CITI Account Number : XXXX This is not mine. 

6. Identity Theft CITI Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a consumer credit transaction with capital one on XX/XX/XXXX.I disputed the validity of the debt in the amount of {$XXXX} on XX/XX/2021 and they still have not provided me with the proper validation. Despite my request for validation, XXXX, XXXX, and XXXX have furnished negative reports on my consumer credit report. Capital One is sharing my information without my consent. no consent is identity theft.
Product: Credit reporting or other personal consumer reports

The information thats on my credit report I didnt not give written or verbal permission to have those item placed on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My LexisNexis motor vehicle records are not correct. My driving record is clean and I have a Certified State of Illinois report to prove it. I have called LexisNexis numerous times to have this information removed from my file. They tell me they are filing a dispute but nothing ever comes of it. This is old in-accurate information that should be expunged or vacated from my file. Please feel free to fine them for the blatant attitude they display.