23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XXXX of XXXX, I got divorced from my ex husband. He was awarded our XXXX XXXX XXXX, that XXXX financed through USAA Bank. In XXXX or XXXX of XXXX, a tow ruck appeared at my home, and the driver proceeded to try to repossess my XXXX XXXX XXXX, which was at the time current on the payment and finances through XXXX Bank. I had the police come to the house and they were able to get the report guy to put the car down, explaining that he was trying to take the wrong vehicle, the police had me open my garage, to prove that the XXXX XXXX was not on my property. This was the first I was told that the car was behind on payments. My ex turned the XXXX over to USAA sometime in XXXX. At which point I sent them the divorce decree showing that I was no longer liable as he was awarded it in the divorce. In XXXX of XXXX my ex filed bankruptcy and USAA started once again reporting a charged off car loan on my credit. In XXXX XXXX I ended up paying the car loan to settle for a lesser amount to stop the negative reporting on my credit report. Since I paid them they have continued to report it as a charge off. Multiple times every year.. I have tried contacting USAA regularly to resolve the issue. I keep getting transfered all over the place and no one is able to resolve the issue.. I have been turner down for XXXX banking positions with the excuse that they can not place me in a position of loan origination with this charged off car loan on my credit. I did not get the car repossessed, I did not file bankruptcy, and I paid them to settle the account, even though I was no longer legally liable as that is what USAA said needed to be done for it to be removed. I just went again in the beginning of XXXX to try to refinance my home and am shocked to see that the bank has yet again reported the charge off as of XXXX XXXX XX/XX/XXXX..every time they report this my score drops XXXX point and I can not refinance my home. What is the point of paying rg debt if they are not going to leave my credit alone and are going to continue this harassment, which I thought was illegal. Please send me the name of an attorney in Arizona who can help me.. Thank you XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX U.S. XXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. XXXX XXXX ( 2 ) and XXXX U.S. XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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

XXXX, Experian, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says XXXX, Experian, and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Experian, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Experian, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaza Services is reporting a debt ( collection ) to the credit bureau in amount of XXXX on behalf of their client XXXX XXXX. Plaza services did not notify me of the debt nor, give me an opportunity to dispute or resolve debt before reporting to the credit bureau. I mailed a dispute correspondence to Plaza Services on XX/XX/2021. Also, I called XXXX Plaza Services on XX/XX/2021, and no one answered. I went to their website at https : //plazaservicesllc.com/, entered the account info and last 4 to access account information. When I entered the verifiable information, a message populated that no account could be located with the account number and last 4 of SSN that I provided. 

I would like to file a complaint because, I have disputed this account with the credit bureau, and some how the account has been validated as accurate through the bureau. However protocol according to the Fair Debt Collection Practices Act was not performed. Section 809. Validation of debts was violated by Plaza Services.
Product: Credit reporting or other personal consumer reports

In accordance with 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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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.

Also these reporting agencies are not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

Furthermore, I never gave written consent to have ANY of these accounts on my personal credit report. 

I request these accounts be deleted immediately.
Product: Student loan

in XX/XX/2018 I was contacted several times by Nelnet, regarding my student loan. after speaking with them they offered me a forbearance for another 6 months to a year, had me fill out paperwork, I did, faxed back, and in 2 weeks received more phone calls from them asking why I haven't made a payment. I explained that I sent paperwork in for the forbearance, and they said that they never received it, so they had me do it again. 2 weeks later I started receiving phone calls from other companies about my student loan that I don't recall giving my information to, then 4 days later I received my credit report that had indicated that I was late on my payments by up to 120 days or more, thus lowering my credit score up to 120 points. I attempted to call in and resolve the matter but was met with arguments. 
I also noticed that the total amount is always going up even after I had made payments that were more than the minimum payments to cover interest, as always I keep trying to call and get things corrected but I get no help, my credit report is everything and these people have tarnished it
Product: Prepaid card

After buying a XXXX rebate eligible product from XXXX, I filled out all the necessary rebate forms and my rebate was approved. I wait the time to receive the card. 

AMEX/XXXX never sent the gift card or was sent back to them by USPS. 

The rebate terms clearly state a fee only AFTER receipt by the cardholder. 
" a {$2.00} monthly service charge applies but is waived for the initial four ( 4 ) months after receipt by cardholder. " XXXXI see this as fraud since when I called AMEX they inform me of the fee and refuses to issue the card in the full amount. Instead I am to be sent a new card with {$2.00} less. I asked for a check but was refused also ( as expected ). 

To further this, the XXXX product that was purchase is an online storage service for 1 year that no longer provides the service.
Product: Payday loan, title loan, or personal loan

XXXX and I were told by U.S. Bank rep XXXX XXXX that my last payment on Loan # XXXX___ would beXX/XX/XXXX. XXXX and I are 100 % sure that these were " His Words ''. What I signed was not whar Mr. XXXX represented to us ( my wife and I ). We liked him and trusted him, we go to appointments together for this very reason, just in case we hear things differently. During the presentation, I personally asked MrXXXX XXXX when the last payment was ; again he responded XXXX of XXXX. 
Instead the last payment is XXXX of XXXX when I initially signed, I asked to sign the Hard copy, XXXX XXXX said he had to work it up ... .we later did an e-mail signature : click, click, click. I did not find out until XXXX XXXX that the " Real '' last payment is 12 months later : XXXX of XXXX from U.S. Bank XXXX XXXX provided us documentation XXXX We are not disputing the paper work of the loan. To be specific, it is what was presented to XXXX and I was a " Bait & Switch ''. It was not a truthful presentation. U. S. Bank has denied any wrong doing as we have already been thru the U.S. Bank complaint process. We requested to be interviewed, we were not. U.S. Bank is not going to investigate itself. I also spoke with XXXX XXXX of U.S. Bank ( concerning follow up from U.S. Bank letter dated XXXX XXXX ). Ms. XXXX with No Results. Both XXXX and I are 100 % sure MrXXXX XXXX stated @ least ( XXXX ) times XXXX of XXXX. TRUST is a Big word ... .very important in Banking as XXXX ( XXXX. XXXX U.S. Bank ) and I discussed. I said to XXXX XXXX ( U. S. Bank Branch Mgr. ) I would have to file a complaint ; XXXX replied, " Sounds Good ... .You do that ''.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX through Mazda Capital Services ( Chase  ) and received my first bill on XX/XX/XXXX. I opened my statement dated XX/XX/XXXX and to my shock saw the payment due date was XX/XX/XXXX, just two days after the statement rendering. The payment was already late by the time the bill got to me. 

I called XXXX and spoke with a Chase representative ( XXXX XXXX ) who was equally surprised by the chain of events. He advised I had not been assessed late fees and that our credit files had not been impacted by the situation. I made a payment over the phone that he indicated would reflect a XX/XX/XXXX posting date. All of this left me very un-nerved and I hope that he is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following accounts : 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 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 or not 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 the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Checking or savings account

I have a Checking Account with KeyBank, NA. Because if health problems my account statements, etc. are sent to my business in Washington , DC. Neither my business, any of its or my agents or representatives, or I 9including persons acting with my authorization ) received an ATM debit card from KeyBank, NA for my checking account. Nevertheless, approximately XXXX dollars in ATM withdrawals and debit card purchases weew made with a debit card issued by KeyBank, NA for my checking account. I filed a dispute with Keybank, NA and it denied it without investigation. As I am in Ohio and has been present in Ohio at all times the noted unauthorized withdrawals and purchases were made. Request to KeyBank, NA for ATM and store film, which shows I did not make transactions, have been ignored. I have filed a small claims action in XXXX Municipal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

the second letter that I sent over to transunion was delivered on XX/XX/22. 
XXXX XXXX XXXX XXXX XXXX this correspondence reminded transunion of their duty to correct report consumer credit. how they were in violation of FCRA 616 & 617 and how the companies that are listed are not providing contracts but are allowed to continue their predatory debt collection actions by reporting information on my credit report.

15 USC 1692 ( d ) ( 1 ) puts emphasis on consumer credit and debt collectors, should they ever step in their attempts to collect a debt.

to further remind this consumer reporting agency that for each unverified account lies a {$1000.00} violation.
Product: Vehicle loan or lease

Company never answers their phone and the representative " XXXX '' is consistently rude, unprofessional, aggressive, and even hangs up in my face. They do not properly bill me, send me the correct notices, or even send me monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off in aggressive amount of money through collection companies signed up with agreement to the bureaus XXXX and i have paid XXXX in XXXX with agreement that 30 days max that it will not show on report. Now i have a son to support and my score has went up but the accounts i paid off still shows even though it shows paid its stops me from getting a loan, in desperate need to get an place to live and support my son. I want the accounts paid all taken off my report. My score Jumped 70 points since XXXX, i was victim of fraud in 2017 amd the credit bureau promised it would not be shown paid but off my record 100 % that was deal with the lawyer said 60 days max. I need my score to go up snd will jump another to tier 2 maybe even 1 i have done my part i have no more $ $ for companies to want to fight for me. Im close to losing everything cause i have done what was rite snd paid debt. Please please just help and look that i have paid snd please take off my report the things i have paid
Product: Checking or savings account

Hello, My debit card was closed to suspected activity I only reported things that were taken against my permission and my account was not in negative. It was closed and its affecting other accounts and checking which is upsurd. Please assist because I dont understand
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 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: Vehicle loan or lease

When I purchased the XXXX XXXX XXXX, I was told that the financial organization, ( M & T bank of XXXX, Ohio ), would allow me to make larger payments than what is required to offset the huge interest rate applied to the loan. When I sent in a payment of {$240.00} and {$1000.00} toward the principal they did not apply it as directed they moved the next payment due until XXXX XX/XX/2023. This besides the fact that the interest rates are out of this world I think their business practices need to be investigated.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/scrub>XXXX Current Address : XXXX XXXX XXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

Please see attached dispute, Investigative Consumer Report Irregularities and Discrepancies in Violation of the Fair Credit Reporting Act | XXXX XXXX XXXX XXXX XXXX | Report No. : XXXX Dated XX/XX/year>2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  Opened XX/XX/XXXX XXXX/XXXX XXXX  # XXXX Opened XX/XX/XXXX *Fraudulent Account THESE ACCOUNTS DOES NOT BELONG TO ME THIS IS FRAUD
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX To Whom It May Concern, I am writing in response to your phone call that Ive received . I request that you provide validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor. 2. The date the debt was allegedly incurred. 3. The amount of the debt, including a detailed breakdown of al
l fees, interest, and other charges. 4. A copy of any signed agreement or contract that obligates me to pay the debt. 5. Proof that your agency is licensed to collect debts in my state. I also request that you cease all communication with me about this matter, except to provide the requested information or to inform me of specific actions you plan to take, as permitted by law. Please note that this letter is not an acknowledgment of liability for this debt. I will review the requested documents to determine if I am legally obligated to pay. Thank you for your cooperation. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Debt collection

Sunday, XX/XX/2021 from the company by the name of credit acceptance, I am less than a month behind. The 1st call came at XXXX XXXX. after another call at XXXX XXXX., followed by 2 more calls at XXXX XXXX. Later that day 3 more calls were made at XXXX XXXX ; as of right now the last 3 calls have been made at XXXX XXXX for the day I hope.