23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

the XXXX XXXX XXXX XXXX sent me a bill for a toll infraction in or about XX/XX/XXXX. I responded letting them know the vehicle was a lease and returned to the dealership in XX/XX/XXXX before the infraction. They asked for proof of the vehicle return, which i faxed in. The XXXX  responded wanting more documentation of the vehicle return before the infraction date. I faxed more documentation as requested. On XX/XX/XXXX I received a collection notice if I didn't dispute the validity of the debt within 30 days the collection would be considered valid. Unfortunately the 30 days ends today and I have to pay even though the debt is not valid. 

I would like to attach documentation at future date
Product: Payday loan, title loan, or personal loan

In XXXX of last year I took a twelve month title loan with XXXX XXXX of XXXX, VA for {$3300.00}. 

I made a payment per month for each month since totaling {$1800.00}. Over half of the loan amount. 

As of this morning the website says I owe {$3300.00}. Payments of {$1800.00} brought the loan balance down only {$9.00}.
Product: Payday loan, title loan, or personal loan

I bought out my lease 4 to 5 years ago. I never received the paper work to transfer the title to my name from the leasing corporation after the lease was purchased. I keep calling the leasing company and requesting documentation but the documentation is never sent. It took my bank at least 6 months to get a lien release from them, and I've been trying to get a Board of Equalization letter from them for the last two months.
Product: Money transfer, virtual currency, or money service

XX/XX/18 - {$150.00} - Nothing was done by Chase when using the XXXX App within their Bank App on my phone. I tried to do a transaction for concert tickets. The person accepted the payment and did not deliver with the tickets through XXXX, as decribed. I went to Chase to have them stop payment or sign up for XXXX because I was obviously scammed. Chase contacted the XXXX department and stated I lost out on the money because I initiated the payment. Right, had they looked at their records, this was the first time I have ever used the XXXX option with their Bank App. I was told to file a police report. I did file a police report, but the Chief stated that Chase should be protecting my money against fraud no matter if I initiated the transaction or not. Using XXXX within the Chase Mobile App ( something they're endorsing ) IS NOT SAFE.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle in XX/XX/XXXX from XXXX XXXX. In XXXX XXXX the company ( XXXX XXXX ) was sold to XXXX XXXX XXXX XXXX In XX/XX/XXXX, the vehicle was stolen and a police report was made, and was also reported to the insurance company. The insurance made all payments for the vehicle. In XXXX of XXXX I started getting calls from XXXX XXXX requesting payments. I explained that the car was paid off to XXXX XXXX by insurance and the continued to call. In XXXX, XXXX a payment of {$100.00} pop up on my credit report stating that I made a payment when I didn't make " any '' payments to this company. So I contacted them and told them that I didn't make any payments and I was told that there was nothing I could do about it. So I disputed it with XXXX, XXXX and Transunion and they said it was valid. In XXXX and XXXX of XXXX XXXX more {$100.00} payments pop up on my credit report. In XXXX of XXXX another {$100.00} payment pop up again. " I am not making these payments ''. This company is reporting fake payments to keep this account on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Due to the recent lawsuit against these credit reporting bureaus alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. XXXX and Equifax has neither corrected nor removed disputed items despite evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - CARD SERVICE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - CARD SERVICE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. UNKNOWN - Account # UPABUPXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Money transfer, virtual currency, or money service

I authorized a {$500.00} transfer from XXXX to Wells Fargo to open a checking account. XXXX sent the money on XX/XX/2023. A bank statement reflects the transaction. Wells Fargo denies receiving the money and closed the account without returning the {$500.00}. At one point a Wells Fargo bank teller told me the money was there, but the account was locked. Days later, customer service said the money was never there and the account had been closed.
Product: Debt collection

Carmax has withdrawn $ XXXX from my XXXX XXXX XXXX account without my knowledge and in someone else 's name. 

When they were asked to investigate, rather than investigating and finding a trail of the transactions and refunding my stolen funds, they are asking me to work with my Bank. 

My Bank on the other hand says I should work with the merchant to get these transactions reversed. 

Carmax should provide me with documents they used to undertake these transactions, on what grounds did they fraudulently withdraw funds from my account when I have nothing to with them. 

I have never been a Carmax customer I have never taken any loan of any sort in my entire history in the US.

Attached are letters showing both organizations non-serious attitude towards refunding my funds. 

I would request CFPB to make sure the complaint is addressed properly by them and my funds are refunded asap.
Product: Debt collection

I am not sure where to begin. I received a notice from the debt collector, ERC, concerning a debt to XXXX XXXX. This service was stopped when we moved to Arizona in XX/XX/XXXX/XX/XX/XXXX. I do remember some correspondence from XXXX XXXX stating that we owed something, I wrote back stating I did not, and do not remember after that. All of the documentation I had, was discarded about a year ago. I thought the problem was resolved. 

Now, I get this first letter on XX/XX/XXXX from ERC that I owe them because of the XXXX XXXX dispute. I disputed that and just received another letter from ERC, dated XX/XX/XXXX. I have NOT received any specific information concerning this XXXX XXXX debt, what it is and why they think I owe it. 

What are my rights and what can I expect from ERC concerning this issue? The amount they are talking about is very little, but I don't want to be ripped off for even a dollar? 

Attached are the two letters received from ERC. One is  dated XX/XX/XXXX, which was received XX/XX/XXXX & the other dated XX/XX/XXXX and received XX/XX/XXXX. I appreciate your feedback and help.
Product: Credit reporting or other personal consumer reports

I did not sign a contract with this company. 
Please delete from credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX sent a XXXX letter asking to remove inaccurate information from my credit report and to provide results of investigation including procedures taken physical contracts viewed and with whom they spoke with on XX/XX/XXXX sent another letter stating they were not in compliance and to remove information immediately
Product: Mortgage

I was never notified of the foreclosure/auction date. I happened to get a notification last week from XXXX regarding my property and the auction. I instantly reached out to the Mortgage company to see what was going on and they said that I had been notified and that they would not speak to me regarding a modification. The company that I hired to help me through this process told me the name of the mortgage companies attorney. I called them looking for assistance and they told me that they sent me notification of this and when I started to ask them for copies of information, I asked her what address they were sending it to and they were sending the info to an address that I haven't lived at for OVER a year! I know the mortgage company has the correct address because they still send me statements. I called an attorney for myself and he reached out to the mortgage attorneys who said that the have advised their customer to postpone the auction and foreclosure until I have been given proper notification. My representative from the company that is trying to counsel me, has also reached out to the mortgage company and they are being very emotional over this. 
They are in the wrong as they did not provide me with the proper paperwork or time to try to rectify this situation. Hopefully allowing me the time to try to get a modification. The mortgage company said no and was still going ahead with the foreclosure. This doesn't seem right. All I want to do is work out a modification or payment schedule to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX and XXXX XXXX  XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am submitting my third request to eliminate the following entries from my credit file, which are purportedly the result of identity theft. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to effectuate removal no later than four business days following XX/XX/XXXX. I have previously raised this matter in a formal complaint and am reiterating it here along with the new identity theft report # XXXX. Additionally, certain data provided herein is unfamiliar to me, and some items have already been expunged by other bureaus, casting doubts on their accuracy. Kindly proceed with the removal of the following items associated with alleged identity theft : XXXX : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$43000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -EQUIFAX : XXXXXXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- XXXX : XXXXXXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. Failure to comply with this request will result in legal action. I have apprised my legal counsel of my intentions, and they are prepared to pursue legal recourse for your deliberate noncompliance. This serves as another warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX from XXXX XXXX XXXX XXXX XXXX ( Asset Recovery Department ) called and left a voicemail about my checking account. I returned her call on XX/XX/XXXX and I agreed to pay the balance in full, and XXXX assured me that it would NOT go on my credit. She said I paid it just in time, before it was charged off. She said it was going to charge off on the XXXX. I got my credit report in XXXX and saw that the account had charged off with a " XXXX   '' balance. I processed a dispute with all three credit bureaus, and they all came back as " confirmed ''. I called XXXX XXXX to speak with XXXX again and she did not fully remember our conversation and did not put adequate notes in the system to verify our conversation. She said I should write a letter to quality control, which i did. But i feel taken of, and i feel that i did everything I was told, but XXXX XXXX was deceitful ( XXXX ). I do not want this to affect my credit, because i was told that it wouldn't. I also did not have the money to pay it in full, but did so anyway to prevent any issues with my credit. Please Help!
Product: Mortgage

This all started on XXXX XXXX. I received a letter from Pennsylvania Dept of Military and Veterans affair. XXXX Regenal office XXXX. The letter is for tax exemption, on XX/XX/2022, I faxed PennyMac ( Morgage co. ) the letter stating that i am tax exempt from XXXX tax assessment office. I also gave the letter to township office and school tax office. I also keep a copy for myself as i was told to do so from XXXX tax. From that point PennyMac sent me a check in the amount of {$2100.00} dollars. At this time PennyMac contacted me saying that my new Morgage payment was now XXXX dollars, which i paid the following month ( XXXX ) In XXXX of 2022 XXXX sent me a bill that my Morgage is now XXXX. Which i contacted them to let them know that i was tax exempt and that my payment was XXXX then the next day they called me back and stated i was NOT tax exempt and took my taxes up to XXXX. Since then, we have gone back and forth numerous times to resolve this issue and each time telling me i am not tax exempt, I have even had the tax office of XXXX County send me a copy of my tax exemption which i then forward on to PennyMac. Grant you before all this started my Morgage was XXXX. Since then, i have had three or four different Morgage quotes from PennyMac. Need your help please. Thank You XXXX XXXX
Product: Debt collection

Never one letter from unifund XXXX XXXX nor have I ever had a card XXXX XXXX. Identity was stolen in 2015. I never pursued it. It was of XXXX and XXXX. I was notified by XXXX by email and phone call. And I never new I had 3 cards in my name. Until they showed up on my credit report. I dispute them on XXXX and get denied because of my name in my social. So now Im being sued by XXXX XXXX  and all they have to show who I am on. The credit report is the last four digits of the credit card in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as Colony Brands , Inc . These 2 entities are XXXX XXXX and XXXX XXXX XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. 

The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. 

In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. 

According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.
Product: Vehicle loan or lease

This loan was completely paid off and Experian will not reflect it. I disputed it with Experian and this is there erroneous response : The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX  XXXX XXXX OK XXXX This is proof that Experian is NOT investigating ANYTHING when you dispute with them. I sold that car and paid off the loan and Experian is stating that XXXX said it wasn't paid off. I know that Experian did not contact XXXX XXXX XXXX because if they did, this loan would show CLOSED on my Experian report. There is something wrong down at Experian and no one is paying attention to the business tactics
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report. 

Specifically, I am seeking the removal of the following unauthorized account : XXXX XXXX  XXXX It is essential that my credit report reflects only accurate and legitimate information.