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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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
Product: Credit reporting or other personal consumer reports

I received my credit report from XXXX, TRANSUNION AND XXXX on XX/XX/year> and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Around noon of XX/XX/XXXX I received a call at home from Transworld Systems. My phone would not disconnect from them and kept my answering machine on for some time. When I came in the house I heard the sounds of a boiler room, many people talking to others. I could not disconnect from them no matter what I did. I called them from my cell phone, gave them my home phone number, and they asked to speak to XXXX.I know no one named XXXX. They refused to identify themselves as a collection agency and said they did personal business. They disconnected from my home phone while I was talking to them on my cell phone. I told them not to call me again and they said they enter my home phone as a mistake. 
How they rigged the phone to not disconnect is certainly a harassment technique and should be illegal if not. My answering machine has minutes of noise and no message because of this. Transworld Systems is certainly wrong in calling me by mistake and wrong in their abuse of the phone system.
Product: Payday loan, title loan, or personal loan

My vehicle was stolen and then set on fire in XX/XX/XXXX. I contacted OneMain Financial Services regarding the issue and was paying for insurance in case something happened to my vehicle. One Main refused to honour the insurance or even discuss the problem with me. The local office was rude and incompetent to the nature of the events. Since then they continue to try and bill me despite my vehicle being a complete loss.
Product: Credit reporting

I have a credit account, XXXX XXXX XXXX, that is more that 7 years old that is staying on my credit report. It contains negative information. It has a past due amount. 
I want the credit account deleted. Requested by the credit reporting company, Equafax, and XXXX XXXX. They will not delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 47 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 47 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax block the information appearing on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint.

I am a XXXX XXXX XXXX, and the following account information, which appears on my Equifax credit report, is a result of identity theft and fraud that occurred during this period of XXXX  : XXXX XXXX Number : XXXX Opened : XX/XX/201XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Per Equifax 's request, I have attached the following documents as proof that the aforementioned accounts are fraudulent and a result of my XXXX  experience : * Official Police Report * FCRA Section 605C Self-Attestation Form * Notarized Identity Theft Affidavit * Notarized FTC Identity Theft Criminal Complaint # XXXX Additionally, I have also provided results and proof from other credit bureaus that have removed these fraudulent accounts from my credit reports based on the same documentation provided, without any issues. 
You previously deleted XXXXXXXX XXXX Account Number : 8911 ( see attached proof ), and Equifax is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of previously deleted material : * 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) mandates that I should have been notified in writing within five business days of the reinsertion. I received no such notice. 
* 15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) requires that Equifax provide the business name and address of the furnisher of information and their contact details, which were not provided to me.

* 15 U.S.C. 1681i ( 5 ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled because this account is a result of identity theft.

These documents confirm my identity and substantiate that these accounts were created without my knowledge or consent. I am requesting immediate action to block and remove these accounts from my Equifax consumer credit report.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX of XXXX. It is also being reported and stated the last payment made on this account was XX/XX/XXXX but the account was in good standing XX/XX/XXXX. This account is also being updated as a charged off on my report as if the account is still open and reporting a balance of {$1500.00} when the account should be XXXX due to the account being a charged off account. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : EXPERIAN Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX : Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

Several issues to include in my complaint for Proficio.

1. The company contacted multiple third party 's ( my old landlord & boss ) on several occasions. They disclosed the alleged debt I owed and made derogatory statements about me personally.

2. Proficio Financial Service never sent me a letter notifying me of my right to dispute the amount owed to XXXX XXXX XXXX XXXX. 
3. I personally disputed the debt with XXXX XXXX XXXX XXXX, for legal services owed, at the time the invoice was received however XXXX XXXX never replied to my letter of dispute.
Product: Credit card or prepaid card

The account with Barclays bank opened XX/XX/22 is a fraudulent account and is causing me and my reputation harm ( Per U.S. Code 1681c-2 ). The company reached out to verify the account, and I notified them that the account is not mine. It needs to be removed within 4 business days.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA.

The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered.

2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations.

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute to XXXX dated XXXX including all of the necessary information for them to conduct a proper investigation of my account with credit acceptance for my car loan because it is being reported late from XX/XX/XXXX to XX/XX/XXXX. Now this account was set up for auto pay but Credit acceptance did NOT REQUEST the payments for the months of XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I found out something was wrong in XX/XX/XXXX and immediately started making bigger payments to catch up until I finally did in XX/XX/XXXX. In my dispute I requested XXXX to contact credit acceptance and investigate. They did not. All I received was a letter dated XXXX saying the dispute " does not appear to have been sent directly by you ''. I don't understand how they can say that when I included a copy of my drivers license, my social security card and all my bank statements with my name and address on them. I called XXXX on XXXX and spoke to XXXX at XXXX eastern who originally said they had not received any disputes from me in the last few months. Then she corrected herself and said there was a dispute in XXXX but only for my name date of birth and email.
Product: Vehicle loan or lease

i called Safco to get a copy of my finance contract with reference to my XXXX XXXX XXXX trade in value amount of {$4000.00} for the XXXX XXXX XXXX XXXX i traded in to the XXXX dealerships said they would apply an additional car vehical trade in twards the loan and in addition to the cash down payment of {$10000.00} plus my Used Vehicle asking {$21000.00} as is, but XXXX sold a unnecessary extended warranty I soon canceled when I learned I that warrenty i was sold was for only the coverage of XXXX mile the seller was so ambiguous in selling me a. {$4000.00} auto warrenty. Stated I was buying a XXXX mile warrenty when the vehical already had over XXXX miles I soon learned i was played.The XXXX XXXX XXXX in XXXX. I need help with my contract because Im making all my payments and for XXXXXXXX XXXX payment due XX/XX/XXXX I scheduled a late payment to come out of my account on the XXXX only XXXX days into the due date, how I already have an statment notice of {$940.00} past due. I did a deferment last month or previous month because I felt like my payments where back to back every two weeks, i tried to reach out to XXXX about my XXXX trade. in and they never respond and so i asked Safco to furnish my contract that reflects my trade in and they reported that they received only cash {$10000.00} no trade in? is this contract invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, as a Consumer and Natural Person, requested my Consumer Report from XXXX, Equifax, and XXXX by letter on XX/XX/2021. They all responded that the alleged bankruptcy was Verified as Accurate. As a result, I launched my own investigation for the removal of an alleged bankruptcy being reported on my consumer report by contacting XXXX as they were the initial violators of my privacy pursuant to 15 USC 1681 ( a ) ( 4 ). XXXX was unable to verify the accuracy of bankruptcy case number XXXX and it has been removed. Please see my letters to Equifax, XXXX, and XXXX with my supporting evidence that they are also in violation of my privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The reference of the alleged bankruptcy XXXX follows : XXXX - ID # XXXX : XXXX ID # XXXX : Equifax ID # XXXX.
Product: Debt collection

This company is a  contractor for the state of CA. They collect unpaid tolls. I have only had one toll violation in the amount  of  XXXX  CENTS which I paid.     They c all one to three times per day, never leave a message. The two times I have spoken to someone there they have told me my number does not exist in their database so therefore they can not remove my number First, its a robocall. Violation of the TCPA laws. Illegal. Second, I have received  no letter except the orginal violation, which is entirely another subject,  XXXX    XXXX   XXXX  . I paid th at one fin e. They are in violation of the fair debt collection practices as well.     There is no account number, the dates are every single day except Sundays for at least  two  months now.   Their number they call from is  XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I tries using my Miles from my united XXXX XXXX card to book a hotel in XXXX. My credit card has a remaining statement balance ( in {$0.00} ) that was paid off in time and a total current balance of {$750.00} out of a total credit line of {$15000.00}. 

I have XXXX XXXX Miles available that could be used for booking hotels that are equal or under that amount with taxes and other fees or used partially with compensating the rest with money. I tries to use both option to book hotels through the united authorized website ( XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  ) but Keep getting an pop up stating that I should choose another payment method. 

I proceeded to try using another hotel option and was still getting the same message. I then called the UnitedXXXX number on the back of the card to ask if they could help me to book the hotel using my miles, they said they could not and gave me their partner number for hotel bookings ( XXXX XXXX ). When I called them, they said they could not help me and proceded to tell me I should call the number on the back of the card I called them again and they told me to call chase customer service and Chase told me to call the Milage number. In the end no one was able to tell me why i could not use my Miles for booking the hotel and I had to book the hotel using the United Credit card with out any miles. I want to understand why Im not able to use my miles in one of the formats they say you can use them. I think they are not letting me use my miles and dont want to answer why...
Product: Debt collection

I was contacted by LVNV LLC about collecting a debt for XXXX I paid that debt in full. LVNV LLC wants confirmation from XXXX that they received payment XXXX will not respond to me. Matter of fact they state that I dont have any accounts with them even though they took my payment from my bank
Product: Debt collection

It has come to my attention that National Credit Adjustment recovered a payment for a debt that I never owed.National Credit Adjustment reported a collection account to my consumer credit file. I have learned that I do not owe this alleged debt. If National Credit Adjustment had the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that National Credit Adjustment collected. National Credit Adjustment had no legal right to attempt to collect a debt as I never authorizedan account with their named creditor. National Credit Adjustment never validated this debt nor sent me a notice of collection. I have learned that National Credit Adjustment is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removedfrom the credit bureaus immediately as this should not have ever been reported
Product: Checking or savings account

My wife was trying to set up our new XXXX XXXX, when trying to set up XXXXXXXX XXXX XXXX she entered something wrong and a phone number popped up to call. She called it and the scammers acted like they were XXXX customer service and asked for her debit card info to verify it was our account. They said no money would be charged but almost instantly they charged the account {$200.00}. I recognized this was a scam and cancelled her card, they tried to charge again later that day but since the card was cancelled it did not work. I disputed the first charge with my bank the same day but they said we gave them the card number so they can do nothing about it and we lost {$200.00}. This was on XX/XX/2022.
Product: Vehicle loan or lease

On XX/XX/2019, I sent a payment of {$700.00} from an online Bill Pay service to Wells Fargo Dealer Services ( 'WFDS ' ) for an auto loan. On the memo line, I wrote 'Principal Only ' for the full amount to be applied to principal. WFDS received payment and applied {$400.00} to a regular payment and only {$290.00} to principal. No payment was due until XX/XX/2019 ( 2 months later ). 

On XX/XX/2019, I sent a payment of {$300.00} to WFDS. On the memo line, I wrote 'Principal Only '. WFDS received payment and applied {$300.00} to a payment variance. I was advised by WFDS that the amount was suspended to wait for the additional amount needed to make 1 full payment of {$400.00}. There was no payment due until XX/XX/2019 ( 2 months later ). 

On XX/XX/2019, I sent a payment of {$800.00} to WFDS and wrote 'APPLY TO PRINCIPAL ONLY ' in all caps on the memo line. When I checked my account online, WFDS applied {$400.00} toward a regular payment and only applied {$390.00} to principal. I called WFDS to inquire why the payments were not applied as indicated on the payment memo. The representative stated the memo lines are not accepted as it does not print to their spreadsheet when payments come in, so they apply the funds as a regular payment. There was no payment due until XX/XX/2019 ( 2.5 months later ). 
The only way I can get the payments applied correctly is to wait for the payment to post, call in to WFDS to reverse payment and have it re-applied. 

During the time it takes to discover the mis-application of payment ( if discovered ) and correcting the error, interest is accruing at a higher loan balance, all in favor of WFDS and to the detriment of the consumers. There have been multiple payments I have made towards the auto loan where I did not initially see how WFDS is applying payments. I have a year 's history of WFDS applying my payments as regular payments ( when payments are not due for months ) while they could have been used to lower the principal balance and the interests accrued to WFDS. I am just 1 customer ; however, the mis-application of payments could be harming the thousands of consumers who have auto loans with WFDS. The way WFDS applies payments is an unfair, deceptive and abusive practice.
Product: Consumer Loan

I have a loan with North American Title Loans in XXXX SC. At the beginning when I applied for the loan all of my proof of income was an initial determination of XXXX benefits, I had yet to receive the amount of XXXX weekly. North American stated I didnt have enough income to get the XXXX loan i applied for so I would need to add my spouse for her income as well. My spouse was not added as a co-signer only listed her income which i didnt have proof of. The company gave me the loan off of this information knowing I did not have the financial ability to pay this back. On XXXX after I tried to make several unsuccessful arrangements to keep the vehicle they repossessed it causing a strain on my ability to attend my newly found job. The lack of respect for dent to income ration, the deceptive income listed as well as the payoff balances changing daily needs to be investigated. This branch of this company charges XXXX % and has no respect for the customers ability to repay by income. The right to cure process is also questionable as I requested one to which they said they sent but they sent it to the wrong address as the manager listed a complptely different address than i supplied for proof, they stated they sent another but i never received it as well. I feel this company should return my vehicle as the contract is unenforceable as well as stop interest on the account.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX sent a negative balance to collections. I had paid off the card in XXXX of 2023 and it was left at - {$50.00}. They should have sent me an overage check. Instead they decided to add large amounts of fees and penalties bringing the total due back up to over {$850.00}. Within one week of my paying the entire balance off, it was sent to collections with their added fees. How can they charge over {$800.00} in fees after I paid it off and immediately send it to collections. I can not rent an apartment after leaving my abusive husband due to this and a couple other errors. He was in charge of bills and I couldn't open mail. He decided to stop paying. However XXXX of 2023 and again in XXXX of 2023 I paid off nearly every single debt. My score was XXXX and it has only risen XXXX points. XXXX reports incorrect and/or old information on top of the other issues. This is ridiculous. How can a person have half a year worth for upfront rent yet still be denied due to a XXXX credit score? How are people in abusive financial and emotionally coercive situations supposed to be able to successfully leave if the companies governing their ability to live report erroneous activities?