23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I'm a living human with all the rights of XXXX me from the fcra by being a US citizen please advise this complaint is against Experian and XXXX for the XXXX XXXX account it should not be listed as paid for less than the full balance but be listed as paid in full they have it listed as charged off at {$31000.00} which is true they did charge it off at {$31000.00} but I retained it possession of the truck continued making payments until the balance was {$19000.00} when trading the truck in they received {$13000.00} and this year XXXX XXXX issued me a XXXX for the remaining {$6900.00} making that truck paid in full not settled for less than what it was agreed but in fact paid in full I have checked with the tax industry professionals and they tell me that if it was originally charged off at {$31000.00} but I retained possession of the truck until the until what was owed was {$19000.00} then there should have been a amended charge-off and the total should have been adjusted being that there is no total adjusted that makes it being listed wrong and it is a violation of the fcra I would like to see the tax papers showing that they in fact change the charge off amount to the {$19000.00} or {$19000.00} that was owed and that he said it was paid in full secondly they have disputed this fact over and over which is a violation of my rights since I began they should be forced to remove this car this account without haste XXXX  XXXX  afford me the right to have this file deleted because they have posted fraudulent account amounts I can prove that I made the night paid the truck down XXXX while still having possession and that means that unless they have the amended tax paperwork to show it's listed incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/2021 I called EQUIFAX due to seeing some creditors on my consumer credit report, that should not be on there. I called EQUIFAX and spoke with one of their representatives and informed them that the account should not be on my report. They informed me they would dispute the account and would send me the results in the mail. I received a letter dated XX/XX/2021 from EQUIFAX stating the accounts had been removed. Due to this being my consumer credit report, and inaccurate information being added to my report, it is a violation of Title 15 1681e ( b ). EQUIFAX has shown negligence in not properly justifying the information in which they added to my consumer credit report, resulting in damage to my consumer credit score, reputation, as well as character, which is also a violation of Title 15 1692e ( 2 ) ( a ). I initially reached out to EQUIFAX on XX/XX/2021 and there has been no further communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2011 we paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX  XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned items are unknown to me. you are required to remove/block any items or information not later than 4 business days after. Ive already included this in my previous Complaint # & I am including it again.,
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX and 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: Debt collection

Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yot they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion & XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of an Automotive loan that was opened XXXXunder the account number # XXXX ) This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX illegally signed me up for a contract I never authorized in the amount of {$480.00} and I successfully disputed it with my credit card provider. They then sent this to a collection agency - RFGI. They have begun harassing me via calls and emails demanding payment. This seems to be their standard business practice. I do not owe this and will not pay it.
Product: Mortgage

My loan was transferred to a new servicer Rushmore Loan Management Services. I have received a loan modification packet from Rushmore Loan Management Services and have submitted all documentation they have requested to them fax. Im in review but my foreclosure sale date is still showing online as active on XX/XX/2019. Im scared and do not know what to expect from the company. Im working with them but do not know if they are willing to do the same and follow the California Homeowners Bill of Rights Act.

Here is some information from previous servicers and what has happened. 
I received a loan modification package from XXXX XXXX  with a proposal trial period payment for 3 months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XXXX  XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i couldn't pay before in the first place? 
I have spoken to a lot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$660.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}? 
Please help me as this is getting out of hand and Im worried for my family and losing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification. 
I have sent Rushmore Loan Management Services my full Request for mortgage Assistance package and they have received it with no error. But while in review I still show that the sale is scheduled and coming up.
Product: Mortgage

My complaint is with my mortgage company Rocket Mortgage/Quicken Loans . I hope I get a call back so I can explain in better detail, but basically, we went behind on our mortgage and the only solution the mortgage company gave us was to pay {$4500.00} a month for six months which was supposed to correct or make us even from this debt of over {$16000.00} that was missing payments and a lot of fees. I dont know how we did it but somehow for four months we made the payment of {$4500.00} but supposedly for the last two payments, they said ( mortgage company ) that they didnt receive/declined payment because money was caught in electronic limbo land because we had to transfer from different accounts into that one to total of XXXX so they can take it. WELLL, its funny how they had no problem taking it the other four months but at the end now they didnt take. It said they tried we failed to pay and now we owe over {$11000.00}. If we owed XXXX something to start and I gave you XXXX a month for 4 months that I definitely know of. Well, we dont need a mathematician to figure out that thats {$18000.00} right there before they supposedly were supposed to take our last two payments of XXXX each. Thats definitely not all though, not even close. About seven months ago at least my wife took out XXXX from her 401 ( k ) to try to fix this debt of {$16000.00} and the mortgage company WOULD NOT TAKE THE PAYMENT. I repeat would not take XXXX so we can fix this mess and start moving forward positively in our life. No!, they said pretty much the only way to keep our house is to do that payment plan, WHICH, was absolutely setting us up for failure, and they are still in the process of setting us up for failure. PLEASE SOMEONE HELP ME AND MY FAMILY!!! I am XXXX  combat XXXX veteran who served for this country honorably and now I have a Bank who is setting me up for failure who will not take money or payments towards our obviously ever growing debt mortgage problem. Honestly, I am not being dramatic in saying that in my eyes. This is absolutely a criminal act towards not only a born here CITIZEN but an actual XXXX XXXX  veteran who fought for this country so I can hopefully make it HOME and WHAT? With the fact being said that, I truly except and are willing to deal with the consequences of missing payments due to bad life events ; BUT To come back and finally achieve a dream of owning a home in my country that I love to have the banking system set me up for failure, by not taking delinquent payments, so we can get ahead or just even. Someone please call me back and help me with this nauseating situation regarding a financial institution Rocket Mortgage quicken loans. PLEASE. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

A company who identified themselves as attorneys call XXXX XXXX XXXX called my cell phone and then my work. The person who called was XXXX. When I called back they said they had a lawsuit filed and that they were trying to serve papers. 

Said the debt was related to citibank account from 2008 and that I was being sued. I told them the statute of limitations was over on this and that I currently have no information related to the debt or had no idea who they were. 

I asked for address and contact info for them, verification of the debt and asked why I had not received any collection notices from them. When I asked this they became very hositle and eventually hung up. I called back 5 times and asked for the address and was hung up on each time. 3 different people identified themselves as attorneys. This is not a legitimate collection. In addition, they said that they can get a judgement without me knowing it. I have searched our country records and see no evidence of any lawsuit filing.
Product: Credit card or prepaid card

BACKGROUND FACTS : Six months ago, [ XXXX XXXX  ] I responded to an AARP Barclays Bank MasterCard promotion. I applied and was granted the Barclays Mastercard credit card. 

Then, to my surprise, I learned that somehow Barclays Bank, went into my XXXX XXXX  XXXX account, and took out a {$200.00} transfer transaction, completely without my authorization. Barclays also charged the {$10.00} transfer fee. 

Note : I have a degree in Finance, with a year of XXXX XXXX, so with Barclays ' APR at 28 % there is no way XXXX XXXX XXXX XXXX I would proceed with a bank transfer at 28 %. 

Facts Continued : When I discovered this theft & fraud, I immediately closed the account, and called the Barclay 's Fraud department. At first, I talked to a very rude agent named XXXX who refused to help, giving excuse, after excuse and then refusing to transfer me to the fraud department, I eventually XXXX the information. 

Now, as of today, the {$210.00} has increased to {$400.00}, reported to the payments, while Barclays say they investigated and they saw nothing wrong. And I have no due process appeal rights. 

I will not be making any payments to the closed account. And I am filling a formal complaint with the Delaware AG 's office. 

VERY unhappy past Barclays customer. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The fact that I have consistently met payment deadlines for this account without any delays makes it unjustifiable for me to face such issues. I kindly ask for the prompt updating of my account to accurately reflect this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian and XXXX today XX/XX/XXXX via phone call. XXXX had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. I want all invalid accounts and incorrect account information to be corrected immediately.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Removal of Inaccurate Credit Reporting To Whom It May Concern, I am formally disputing the inaccurate and wrongful reporting of the repossession of a XXXX XXXX  XXXX ( XXXX : XXXX ) under my credit report # XXXX. This vehicle was awarded to my ex-spouse pursuant to a legal and binding XXXX XXXX, and he accepted full responsibility for all associated financial obligations, including this repossession. 
The company responsible for reporting this inaccurate information is XXXX XXXX XXXX, associated with account # XXXX. Under the Fair Credit Reporting Act ( FCRA ) and applicable state laws, I demand the immediate removal of this erroneous entry from my credit file. The continued reporting of this repossession under my name constitutes inaccurate and defamatory information, causing undue harm to my creditworthiness. 
Legal Grounds for Dispute : XXXX. Violation of FCRA ( 15 U.S.C. 1681s-2 ( b ) ) Furnishers of credit information are required to conduct a thorough investigation when a dispute is submitted. The account in question does not belong to me XXXX and must be removed. 
XXXX. Breach of Contract ( State-Specific Family Code ) The XXXX XXXX is a legally binding court order, and the responsibility for this account was transferred to my ex-spouse. Holding me accountable for this debt is in direct violation of this court order. 
XXXX. Unfair Reporting Practices ( 15 U.S.C. 1681e ( b ) ) Credit bureaus are required to maintain accurate information. Reporting a repossession that legally belongs to another individual violates this provision. 
XXXX. Potential Defamation and Financial Injury The continued presence of this derogatory item on my credit report is causing tangible financial harm. If this matter is not resolved immediately, I will explore all available legal remedies. 
Resolution Demanded : Immediate deletion of this repossession entry from my credit report. 
Written confirmation that this item has been removed. 
Cease all further reporting of this item under my name. 
Failure to comply within 30 days of receipt of this dispute will result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal claims for damages. 
Enclosed are copies of my XXXX XXXX and any supporting documentation to substantiate my claim. I expect immediate rectification and will not hesitate to escalate this matter if my rights under federal and state law continue to be violated. 
I anticipate your prompt response and resolution of this matter. Please provide written confirmation of the deletion of this account from my credit report no later than [ XXXX  days from receipt of this letter ]. 
Sincerely, XXXX XXXX Enclosures : Copy of XXXX XXXX, Supporting Documentation Drivers License, Social Security XXXX.
Product: Debt collection

I purchased insurance thru this company that they said I needed and it will be returned at the end of the loan. Well I paid off 3 different loans a never received a dime yet. Over the past years I now get an garnishment of my wages of something over XXXX old. I've requested information on this and never got anything.
Product: Debt collection

So it is clear, this company Consumer Adjustments Co ( CACi ) has admitted to aggravated identity theft. 18 U.S. Code 1028A On 02/22/2022 I, XXXX XXXX has made a complaint to the CFPB about this company CACi.

However, the company Consumer Adjustments CO responded that 1 of the 2 accounts from them has came from XXXX XXXX XXXX, and the other from University XXXX XXXX XXXX XXXX  XXXX HIPAA Violation by the way ) they had no rights whatsoever getting my information AT ALL!!!! MANY VIOLATIONS!!! 

However, I am bringing this to the attention to CFPB to peep how this company claims that its Fraud since Ive reported them to CFPB & FTC. 

And tried to get me to sign an fraud affidavit. 

This clearly explains and expose them for fraud and aggravated identity theft because they clearly said where they got my information from and they expose them selves when they said they were sending bills to the address ( my address ) to collect the debt so you mean to tell me now yall realize yall XXXX up and trying to correct yall scamming XXXX schemes. I hope CBPF and FTC understand this and I am demanding {$1000.00} for each violation! And believe me I will get my money! CFPB will see exactly what I am saying and its facts! Yall played with the right consumer! CACi is XXXX!!!
Product: Vehicle loan or lease

I had a loan with Toyota Financial Services ( TFS ) for a XXXX XXXX. I set up auto deduction for {$400.00} at the beginning of the loan. Every payment was posted on time. At the end of the loan I had a {$310.00} balance right before my XXXX XXXX payment was due. On XX/XX/XXXX Toyota Financial Services ( TFS ) deducted the same {$400.00} amount. I contacted them and I was told that since I authorized {$400.00} they pull {$400.00} no matter what the balance. I was also told that on XX/XX/XXXX a  refund check was cut. As of today, XX/XX/XXXX, I do not have that check. By the time I receive this money, deposit it and the check clears my bank it will be at least 7 calendar days. That is 7 days of " float '' on my money that I will not be getting. Now, that amount is very small until you sum up all of the customers that they have done this to this year. Then it becomes a large 0 % loan on the backs of the consumer. I believe that is unethical. I believe you have the power to force them to deduct the regular monthly payment or the payoff balance each month whichever is lesser. Thank you