23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX : : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX
Product: Vehicle loan or lease

XX/XX/2016 purchased a used car from XXXX XXXX XXXX sales ; XXXX XXXX XXXX XXXX  XXXX ; XXXX NY XXXX ; XXXX. This purchase was due to the vehicle we had failed. I was given a subprime loan through Credit Acceptance Corp ; XXXX XXXX XXXX XXXX XXXX ; XXXX MI XXXX. Telephone XXXX. Loan XXXX for XXXX. The paperwork i signed stated New York Credit Acceptance Corp. I was charged 22.99 % interest on a 48 month loan. 
New York State has a limit of 16 % as well as The Federal Government. The total finance charge is XXXX. the payment is XXXX a month. I was told by the salesman i must purchase an Extended warranty to obtain the loan. the cost is XXXX the warranty, which I found out was optional.XXXX XXXX plus Contract CAP XXXX. I cancelled the warranty with XXXX XXXX they charged me {$50.00} cancellation fee, they will not explained the amount of payment anf interest per month for the warranty. The reimbursed me XXXX. I was told my payment stayed the same. But they deducted the reimbursement amount. There is over XXXX unexplained. 
It should be noted I needed 4 repairs to the vehicle, the warranty told me all were not covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX, I sent a request to Creditors Bureau Associates to verify the accuracy of a debt in the amount of {$600.00} reported on my XXXX and XXXX credit reports because I do not recognize this debt. XXXX stated the debt was verified by matching my name to an address in a state I do not reside in. XXXX did not update my account that I am disputing the debt within the allotted 30 days according to15 USC section 1681i ( a ) .In addition, an account number isn't provided.
Product: Credit reporting or other personal consumer reports

Original case XXXX bureau stated public record bk XXXX XXXX was verified this was a lie and they are committing willful noncompliance. 

Bureau Warning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) RE : Warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern, I have previously disputed Bankruptcy XXXX XXXX Public Record { Docket Number XXXX } with you, and in your initial response, you veried the item as accurate, stating that you have veried the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. Sincerely, XXXX XXXX XXXX XXXX UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF ILLINOIS XXXX XXXX XXXX BANKRUPTCY CLERK Telephone XXXX XXXX XXXX XXXX CREDIT REPORTING INFORMATION The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available records. Any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. Each credit reporting agency has specific procedures for consumers to dispute information listed in their credit files. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. The Act states that credit reporting agencies may not report a bankruptcy case more than 10 years after the order for relief is entered. This is usually the bankruptcy filing date. For more information about the Fair Credit Reporting Act or directions on how to dispute information reported on your credit report, visit the Federal Trade Commissions website, or contact the FTC XXXX at XXXX ( XXXX ).
Product: Debt collection

I have been receiving emails starting from XX/XX/XXXX, regarding an unpaid student loan ( account no XXXX ) from ECMC. I have not taken any loan from ECMC. As I contacted ECMC the customer representative confirmed that even though the account is under same name the year of birth and the last 4 digits of SSN do not  match with my credentials. Besides, the loan was taken in XX/XX/XXXX and I have entered USA in XX/XX/XXXX. Hence ECMC promised that I will not receive any email or letter communication from ECMC going forward as this is a case of mistaken identity for debt collection. However, I am still getting mails from ECMC. I contacted ECMC again but it is not getting resolved.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company and all 3 bureaus. Was not resolved. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXX XXXX Inquiry ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XXXX XXXX XXXX XXXX XXXX  ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved {$200.00} as a title loan from the address XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. I didn't pay back the loan, but I allowed this company to take my vehicle as collateral XXXX XXXX XXXX. I moved from the state and was followed and harassed by this company. This company repeatedly bad mouth me on social media. This company has stalked and harassed the references I provided. I have not dealt with this company in over a decade but currently today this company harasses me and my friends and family which are the references I provided. There was a recent incident XXXX this company tried to impound my XXXX  XXXX and I didn't borrow or even apply for a loan. This company recorded the entire ordeal. If this continues, I will go to the authorities. I do not want any further dealings with this company unlawful practices and I'd like to take further legal action. I want my profile deleted and my information not sold. It took me so long to file a complaint because I couldn't pinpoint where the harassment was coming from until I read an article about the company unethical practices to others. I consulted with my family and friends and came the conclusion of Titlemax title loans.
Product: Money transfers

On XXXX XXXX XXXX, 2015 I made an online money transfer through the Western Union website. The MTCN tracking number is XXXX. The receipt for this this transaction ( as well as the webpage ) stated, and I quote, that the funds will be " available in receiver 's country XXXX XXXX, 2015 ( may be available sooner ). '' Additionally, the bank and account I used to have the monies debited from informed me that the money was withdrawn and sent to WU on Tuesday XXXX XXXX. On XXXX XXXX XXXX, my bank informed me that WU had the money and even provided me with a " trace number '' to provide to WU that the funds were distributed to them. The issue I now have with Western Union is that they are not scheduled to clear the funds to the recipient in the receiver 's country unit Monday XXXX XXXX at XXXX, one week after the original transfer was made, and two business days past when the receipt they provided me promised the funds to arrive.
Product: Debt collection

SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Request & Debt Validation Under 15 U.S. Code 1692 Account Number : [ XXXX ] Amount ClaimedXXXX To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced debt. I hereby request that you provide me with the following documentation pursuant to my rights under 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ) : Proof of Debt Ownership : Please provide a copy of the bill of sale or assignment contract that shows you have the legal right to collect this debt.

Validation of the Debt : Provide all relevant documentation that verifies the validity of the debt, including but not limited to : A copy of the original signed contract or agreement between myself and the original creditor. 
Itemized accounting of all charges, interest, and fees related to this debt. 
Cease and Desist : I request that you cease all communication with me in relation to this debt, except for written verification of the requested documents or notification of legal action if applicable. This request is made under 15 U.S. Code 1692c ( c ), which provides me the right to limit further communication. 

Please understand that until these documents are provided, I do not acknowledge or accept the validity of this debt. If you fail to provide the requested documents within 30 days, I will assume that your claim is invalid, and I will consider the matter closed. 

If you persist in contacting me without providing proper validation or without addressing this cease and desist request, I will be forced to file a formal complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau, and I will seek all legal remedies available to me under the Fair Debt Collection Practices Act, including but not limited to civil liability for any violations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXXXXXX
Product: Debt collection

I called prestige financial ask them for all contracts that was sign I ask them if car was sold at Market value not a Auction I need the Information for that lady told me it was sent I told her I never received anything from yall I told her I did not Authorize the sale and use of my Personal Information my Social data of birth did not give them right to us it the woman did not want to send me all the documents I asked for
Product: Student loan

I had my loans transferred to MOHELA after about five years of having no problems with XXXX XXXX. I have not been able to get in touch with anyone from MOHELA and they have not returned any emails or messages. I have now on multiple occasions waited on hold for over an hour and audibly been hung up on after waiting with XXXX ability to gather information. I am trying to get information about my current repayment status ( the plan Im on ) as I was on REPAYE with XXXX.
Product: Mortgage

I got an interest-only mortgage through XXXX XXXX XXXXXXXX for {$100000.00} for my property at XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX. The property did not have a mortgage on it at that time. They also had me put my property located at XXXX XXXX XXXX XXXX up for collateral. The loan was supposed to be used to rehab the building. {$55000.00} of the loan went towards fees, taxes, insurance, and the water bill. I received about {$10000.00} at closing. They held {$40000.00} and was supposed to give it to me as I worked on the completion of the rehab. It was my understanding that I would get four {$10000.00} draws before XX/XX/XXXX, because that was when the payments of {$1100.00} per month would start. 
I received the first two draws of {$10000.00} but they started refusing to give me my money. It took a few weeks to receive {$5000.00} more. They wont give me anything now, but they take {$1100.00} per month directly from my checking account. This has caused so many problems for me. They are making it nearly impossible to complete the rehab and pay the loan back.

Based on their inspectors, who conducted four inspections, at {$120.00} per inspection, I have completed 99.79 % of the items listed in the Statement of Work. They want me to rewrite the Statement of Work now.

They took money from my checking account on the following dates : XX/XX/XXXX - {$1.00}, XXXX XX/XX/XXXX - {$1.00}, XXXX XX/XX/XXXX - {$1100.00}
Product: Credit card or prepaid card

I made a {$20.00} purchase that got classified as a cash advance on XX/XX/XXXX. I then made a payment for {$1500.00} on XX/XX/XXXX ( my minimum payment was about {$50.00} ). The amount I paid over the minimum was supposed to be credited towards the cash advance but it wasnt. When I spoke with the credit company on XX/XX/XXXX, they said I need to make another {$20.00} payment. When I tried to make a payment online, it wouldnt allow it saying Ive made too many payments from a non-Wells Fargo account for the month. Im currently paying interest on the cash advance balance even though Ive paid more than enough to cover the purchase
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor CBA COLLECTION BUREAU OF AMERICA is still showing OPEN on my XXXX   account, even though it was discharged in XXXX Bankruptcy. XXXX shows it as discharged in XXXX, but still OPEN, which is impossible. 

I have included XXXX credit report trade line showing correctly reported as CLOSED, as well as XXXX   report trade line shoing still OPEN. 

I have disputed this more than once through XXXX and the creditor, to no avail. My next step is to appeal to the UNITED STATES BANKRUPTCY COURT.
Product: Credit card or prepaid card

XXXX, This is regarding gardner white credit card ( Comenity ). I was charged late payment in month of XXXX. Then I talk with customer representative and he advised me to set auto payment for minimum amount and I followed what he said. Then I thought everything is set then this month I logged in to my account just to see what's going on and saw interest charge since XXXX when I asked the guy said I need to pay more to avoided and I explained what I was told to avoided all these charges and request for refund but they declined. They are lying with the people and putting wrong charges in customer. I want to get my refund of interest charges as this is not my fault. 
Kindly do the needful. Thanks
Product: Credit reporting or other personal consumer reports

On XXXX/2024 XXXX nonpublic consumer information to XXXX, XXXX, and Transunion. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed into TransUnion via Certified Mail XXXX, an Identity Theft Fraud Report In accordance to the FCRA Section 605 ( A ). The Identity Theft Report including all the necessary documents,, 1. the Appropriate proof of my identity,2. A valid copy of an Federal identity theft report with sworn affidavit, 3. A notarized statement from myself of the fraudulent accounts as well as a sworn affidavit stating that the account and transactions and information in question is not any accounts or transaction related to me the consumer.

TransUnion failed to block all the accounts identified in the Identity Theft Fraud Report as fraudulent accounts. This is a blatant violation of the FCRA Section 605 ( A ), ( B ). I will be taking legal action for this violation. TransUnion has 7 days from the receipt of the
complaint to block the remaining negative fraudulent account. TransUnion 's registered agent is simultaneously being served with legal process on this matter in regards to this violation. If the Negative information is not blocked I will be seeking damages for willful neglect and defamation.

TransUnion Needs to adhere to the FCRA in regards to the Identity Theft Fraud Report in their possession
Product: Student loan

while checking my credit report I found a enquiry about a student loan with ACS Education Services in XXXX XXXX, NY. I call them on XXXX and spoke to XXXX about this matter and she wanted my SSI over phone andni kindly refuse to do so. I explained to here that the pulled a credet enquiry form my credit report and that was not me looking for a student loan, I 've not looking for a student loan from anyone cent in was in bankruptcy chp XXXX
Product: Debt collection

I recently received a notification from the law firm Rubin & Rothman , LLC ( NJ Attorney : XXXX XXXX id # XXXX ). In regards to a debt that is over 10 years old ( over the collection statute for the state of NJ ). ( Copy of documents enclosed. ) I was never sued by this company ( to my knowledge ) however, I received a letter stating that they are going to contact my employer and garnish my wages. The letter does not mention the supposed total amount due, The title is listed as Notice of Application for wage Execution. 

Previously, I worked with a company to repair my credit ( 3years ago ) and had all the old / outdated information removed. XXXX ( the original company ) was removed because it was well over the 7 year reporting mark. 

Ive never received any correspondence in regards to being sued or any judgment being issued to this collection agency on behalf of XXXX XXXX. 

Please help I am a XXXX XXXX XXXX veteran and this is really troubling me. XXXX not sure why this company/attorney is harassing me for a debt that is no longer valid.
Product: Bank account or service

Bank is unable to retrieve transfer that was done to a fraud account of fraud person for fake sale. Hello, I got many calls from this fraud company mentioning good deals about flights I was looking for. They sent me confirmation and tickets for flights I verified with airlines and they were booked for real. After a MONTH the tickets got cancelled and I never got refund. XXXX says someone cancelled it and it was fraud and used invalid card and details.They are trying to investigate as well, as they think its a fake travel agency. I transferred money via bank of America to consultants bank of America account, Now no one is answering calls nor responding to email. I tried requesting Bank to see if they can hold the account and retrieve the money back. I filed police complaint as well. Bank says that they can only REQUEST recipient to transfer back the amount, how can they allow fake accounts to be opened and operate, and how can they now file a case against the fraud and help me getting refund. Please help!! XXXX of my friends paid this fraud person as well in different bank account, XXXX bank and XXXX, and their tickets are now cancelled and no refund! I am filing a Police case as well - not sure if we can sort this out. XXXX of our friend paid to XXXX of the accounts of this company as well. No updates from anywhere so far. I lost {$1400.00} with this fraud. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : CAPITAL ONE BANK USA, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX CAPITAL ONE BANK USA, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. 

Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the number of months are incorrect and incomplete, high credit amount is incorrect, date of last active is not correct months reviewed is not correct and they reported late payments on a closed collection account which is also a violation. This ground for removal they also violated my rights under 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 instruction Also the credit bureaus took more tan 30 days to complete the investigation i send them a letter on XX/XX/year> and never got a response and have mailed them more then XXXX  times