23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

This was my wife, XXXX 's loan of {$18000.00} from Best Egg. I wrote on her behalf and notified them We are experiencing extreme financial hardship as a result of severe health problems including an XXXX XXXX I suffered and multiple XXXX XXXX my wife suffered that has caused massive medical bills and left us both XXXX, physically and financially. I am XXXX, XXXX is XXXX. 

You proposed a settlement option '' of our financial hardship. Your agent, XXXX XXXX # XXXX ), who had written us offering XXXX interest options, called XXXX who gave me permission to talk with him since I am not a party to the loan. He said he was authorized to cancel the old loan and propose a loan under new terms. We would not agree without written loan papers which he promised to send via email immediately after our call. He stated the terms, I repeated them, I gave him my autopay info, he said I was correct, then said, " plus the {$440.00} ''. then hung up and did not follow through with his promise to mail the papers. The call was recorded. 

XXXX then signed a new loan on their website in our names after removing and cancelling the old one. He used my debit check card number WITHOUT my permission. I cancelled this immediately via email and phone the next morning, explained the fraud to his office and they cancelled the transaction. We no longer trust anything said to us as this obvious fraud clearly raised questions as to their business integrity and/or willingness to follow existing law. Their agent CANCELLED the original loan and replaced it on his own with a fraudulent one signing XXXX up and using my autopay information wholly without our permission. Since they unilaterally cancelled the original loan, it is null and void. 

I responded to their letter dated XX/XX/2023 in which they are attempting to collect a debt. Please record that our only income comes from Social Security and workers compensation benefits that are protected by Federal law from garnishment to pay a debt owed to a private person or company. My total income is XXXX XXXX monthly, my wifes is XXXX XXXX  monthly. The only other income is an annuity she received as compensation for being 100 % XXXX from her employment, an amount less than her SS. Our mortgage is {$2100.00}. Thankfully, our equity is protected by our automatic homestead in AZ which will keep us in our home which we have owned for 10 years.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Unknown Collection XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have lived at our current address for 27 years- We owned our house- Free and Clear in XXXX XXXX No mortgage. We have XXXX Cell phones for let 's say over 10 years. 
I never had a XXXX USA phone nor did my wife open up an account in XXXX XXXX  with XXXX. 
The above we are willing to swear under the penalties of perjury. 

My XXXX has served in the XXXX XXXX for 30 years and I have 22 years in the XXXX. We pay out just debts on time and in full. I am the victim here .... Well, my husband says that XXXX is the victim!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent XXXX  XXXX account # XXXX, certified mail tracking # XXXX XXXX XXXX XXXX XXXX to validate this alleged debt * they failed to respond with anything back via mail call or email. Neither did they enter the notice of dispute on my consumer report This is a violation of FCRA Section 623 ( a ) ( 3 ) which states If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. 

Also i never gave XXXX XXXX to report this account on my consumer report this is a violation of my right to privacy which is law 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also i never gave them written instructions to furnish this account which is another violation of law 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 Pictures and supporting documents below where no notice of dispute was entered
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream, XXXX, XXXX adamantly refuse under any circumstances rational or otherwise to release my legally entitled free report or to discuss any remedy to release other than to " Read the letter '' in 9-14 days. 

All state in letter that scan ID images can not be verified SS, PASSPORT, DRIVER ID, DMV Documents. All id scans used were exact images furnished to approve bank and credit applications without issue Documents were scanned high quality and faxed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Registered Mail Sent on XX/XX/XXXX with Hi res scans of Social Security, License, Bank Statement, Passport and Credit Statement were never adequate
Product: Mortgage

I had my closing on Thursday, XXXX XXXX 2016, and I received my paperwork beforehand and was quoted to receive {$680.00} at closing. We I went to closing the lawyer gave me a check and I did n't look at it during that time. We I looked at the check it was for {$620.00} and I thought maybe the financial bank made the mistake, then when I received the same paperwork in the mail I came to the realization that the lawyer gave me less money than I was suppose to receive. My closing attorney XXXX and this is where the check came from.
Product: Debt collection

I XXXX XXXX never enter any consumer credit transaction with RC/RESURGENT RECEIVABL for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By RC/RESURGENT RECEIVABL obtaining my personal information without my consent they have committed fraud and identity thief. RC/RESURGENT RECEIVABL furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now i can not do business with anybody else due to RC/RESURGENT RECEIVABL reporting this allege debt to my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i have sent letters to lexisnexis, asking them to remove a bankruptsy, that they have on file, by which they never obtained a wet signature or permissed to report on their files. I have asked them 3 times and remove, and they still not not acted on my request. I sent the letters XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All 3 times they have not removed the inaccurate bankruptsy from their file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall releasing myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegally reporting to credit report without consent..
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX reference # XXXX tried to collect a debt from me that was covered under my bankruptcy chapter XXXX case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and removed : TOYOTA MTR XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX and transunion has failed to provide any documentation from the investigation.After checking my credit report on XX/XX/year> I have found the three credit bureaus mentioned to be in violation of several of my rights. The XXXX  XXXX XXXX XXXX account is stated as opened on XXXX XXXXThe account is reporting aa a charge off collection with a balance of {$1200.00}. It also shows the highest balance as being {$1400.00}. This cant be true because I never made any payment towards any balance. Under 15 U.S.C. 1681i ( 7 ) Method of verification it was reported without valid evidence. I never received any product good or service from this company or account being reported. This company is unlawfully reporting information without my consent or knowledge.Someone must have faked my identity to create a relationship with this company. I also believe this company can not provide validation Of the debt being reported. This information is also not true, accurate or fair as it is reporting invalid email, address, phone number, and balance under 15 U.S CODE 1681e ( b ) and 15 U.S. CODE 1681i ( 5 ). It is the responsibility of the credit bureaus to make sure the information being reported 100 % true and accurate. This is not fair and is causing great stress and problems in my life.XXXX, Transunion, XXXX please stop violating my right to privacy and discontinue any involvement with XXXX  XXXX XXXX XXXX pertaining to my credit report and non public personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access my Transunion Credit Report for over a year, via multiple modes. I have tried accessing it via XXXX and via the Transunion website, and I continually receive error messages which prevent me from accessing the report, which I have a right to view. I am able to access my XXXX  and XXXX  reports with no problem. 

Several months ago I spent hours on the phone with Transunion attempting to resolve the problem, and was ultimately informed that TU had two files for me ... one under my legal name ( XXXX ) and one under my nickname ( XXXX  ). I asked that they merge these files, which they did and I was briefly able to access my report as expected. The problem appears to have reappeared. 

I called in again today and was informed that I will need to contact the Special Handling department in order to resolve the issue, which is indeed the same as before. It is a national holiday and therefore the office is closed until Monday. 

I do not wish to call Transunion every single time I need to see my credit report in order to resolve this issue and I am deeply confused and frustrated as to why this issue keeps happening. How difficult can it be to deal with a person 's legal name and nickname which are both registered under the same SSN?
Product: Credit card

HI my name is XXXX XXXX. On XXXX XXXX, 2016 i received an email from XXXX XXXX stating that a new credit card account was added to my account, in which i have n't had any new ones opened in over a year. So i took the time to look at what it was talking about, and i found a Account for Victoria Secrets, I have NEVER had any account for them ever. I looked further into it and found that Comenity Bank added my Boyfriend XXXX ( Card/Account Holder ) Victoria Secret Account to my credit report, in which, i am not on the account in anyway besides that i am allowed to speak with them regarding the bill only. not allowed to do anything else with the card. They Added me as a Authorized user WITHOUT my permission and without my boyfriends permission. They got My SSN & my Address somehow WITHOUT my permission and used it ILLEGALLY to add and Account that is NOT mine in anyway to my credit report and i 've sent them a letter to remove it and said they ca n't because i am authorized on the account to SPEAK with them. ( I am only allowed to speak with them, I am NOT JOINT on the account in anyway either. Before i got my lawyer involved he told me i need to report this to FTC and the directed me to contact you guys. This needs to be taking care of, it has taken a very big toll on my credit score and i am very unhappy that i have to deal with something like this. Let alone what Comenity Bank has done to me is Illegal. Please contact me back ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and date of birth is reporting incorrectly on my credit reports XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Multiple addresses that is incorrect is reporting on my credit reports XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Scotts & Associates, PC is stating that I owe a debt to XXXX XXXX XXXX in the amount of XXXX. I was originally threatened by XXXX XXXX to pay for a debt I later realized was not actually mine. XXXX XXXX removed this item from my credit and stopped collections on this account.
Product: Debt collection

Subject : Debt Validation Request Pursuant to FDCPA ( 15 U.S.C. 1692g ) To Whom It May Concern, I, XXXX XXXX, am formally disputing the alleged debt referenced in your communication with me. Under 15 U.S.C. 1692g, I am requesting that you validate this debt and provide evidence that I am legally obligated to pay. 

According to XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), a simple assertion of a debts validity is insufficient. You must provide : Proof of the original contract with my signature, demonstrating my legal obligation to pay. 

A full itemization of the alleged debt, including principal, interest, fees, and any additional charges. 

The name and address of the original creditor. 

Documentation that your company has the legal right to collect this debt, including a valid assignment or chain of title. 

Under XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), if you fail to provide adequate validation within 30 days, all collection activity must cease immediately. Additionally, continued reporting of an unverified debt to credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ), as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Failure to comply with this request may result in legal action against your company for violations of FDCPA and FCRA, including statutory damages of up to {$1000.00} per violation ( 15 U.S.C. 1692k ), plus attorney fees and court costs. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), even attorneys engaged in debt collection must comply with FDCPA regulations. 

Until proper validation is received, I request that you : Cease all collection activities, including phone calls and letters. 

Refrain from reporting this debt to credit bureaus or, if already reported, mark it as " in dispute '' ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ). 

This letter serves as a formal dispute and Cease and Desist notice under FDCPA and FCRA. If you fail to respond appropriately within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Please respond in writing to the address provided. 

Sincerely, XXXX XXXX Without Prejudice, All Natural Rights
Product: Vehicle loan or lease

Despite being told that I was a 30 % XXXX veteran and currently unemployed, Carmax XXXX repossessed my vehicle. This is in addition to the fact that they were notified that the XXXX of Alabama has an extreme backlog of unemployment cases which mine is a part of and has not been resolved as of this complaint despite being filed on XX/XX/2023. Instead of offering forbearance to this XXXX veteran, the only thing Carmax XXXX did was spam my phone with multiple calls per day and any time I did call with an update, their only response was to ask when they would expect a payment. 

Therefore, in addition to this complaint, the following actions are to occur until Carmax returns the vehicle to my possession : 1. No monetary considerations will be given to Carmax, at all, in the future. If Carmax decides to sell the vehicle, whatever cash they get will be all they get. If they return it, then we can work something out.

2. Complaints will be filed with the BBB for deceptive business practices, with the CFPB for deceptive financial practices, and the VA for deceiving a XXXX veteran with the recommendation that a national bulletin be sent out warning all veterans against doing business with Carmax. 

XXXX. Bad reviews for Carmax on all social media outlets. 

XXXX. Carmax is also banned from attempting any contact with me until the car is returned. 

Additional measures including contacting local and national press are still being considered and may be triggered depending on the outcome of XXXX - XXXX above.
Product: Bank account or service

I am a new customer at rush card and i cant access my direct deposit. I called and I got through nd was told my money was on the card and when I went to the ATM I could not access my funds. I called back and was told when the system come back up I can get my money but it has been 10 days since the system went down. I have still no been able to get my money.
Product: Debt collection

I have reached out to Jefferson Capital and requesting information in which I have yet to receive a response. Jefferson Capital is in violation of my rights as a federally protected consumer.
Product: Debt collection

I paid the original creditor the full amount of the debt. Somehow it was sold to another company, asset acceptance and they tried to sue. I hired a lawyer and won. The attempt was made well after the statute of limitations on unsecured debt. not to mention the debt amount was false. Now they are renewing my debt on my credit report to keep it within a statute of limitation. They will not negotiate. they will not tell me what debt they bought and for how much and give me the opportunity to pay said debt that is false. This debt is claimed to be from XX/XX/XXXX/XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The balance on my XXXX XXXX  auto loan account is incorrect the balance on the account was paid in full. I also received a XXXX balance letter from them as well. And with all of this they are still reporting a balance on my XXXX and TransUnion report. It needs to deleted or updated immediately!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$10000.00} XXXX OF XXXX Account Number : XXXX Balance : {$10000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


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

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.