23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Company violated the following laws CFR 1002.7 A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other PROHIBITED BASIS. 

PROHIBITED BASIS definition- Prohibited basis means race, color, religion, national origin, XXXX, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the fact that all or part of the applicant 's income derives from any public assistance program ; or the fact that HAS ACTED IN GOOD FAITH or exercised any right under the Consumer Credit Protection Act. I acted with clean hands and in very GOOD FAITH when I applied for the loan.

USC1681m REQUIREMENTS ON CREDIT REPORT ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes ADVERSE ACTION with respect to any consumer that is based in whole or in part on any information CONTAINED in a CONSUMER REPORT. 

ADVERSE ACTION- action taken or DETERMINATION that is- ( I ) made in connection with an application that was made by, or a TRANSACTION that was initiated by, ANY CONSUMER, or in connection with a REVIEW of an ACCOUNT under section 1681b ( a ) ( 3 ) ( F ) ( li ). Proof of adverse action taken based off information contained in my consumer report that was made by or that was a TRANSACTION by me is included as proof in attachment in ADVERSE ACTION letter attached when they unlawfully DENIED me CREDIT. 

Also company made unauthorized transaction with my credit card ending in XXXX when I applied and signed for the loan. 

CREDIT CARD DEFINITION USC 1602 ( I ) - ( l ) The term CREDIT CARD means any CARD, plate, coupon book or other credit device EXISTING for the PURPOSE of OBTAINING MONEY, PROPERTY, LABOR, or SERVICES on CREDIT.

USC 1602 m-The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 

US

C 1602 p The term unauthorized use, as used in section 1643 of this title, means a use of a CREDIT CARD by a person other than the CARDHOLDER who does not have actual, implied, or apparent authority for such USE and from which the cardholder RECEIVES NO BENEFIT which adverse letter is PROOF that I didnt receive ANY BENEFITS instead, I was denied after my signature was security for the loan.

USC 1691 a 3 Defined- ( a ) Activities constituting DISCRIMINATION It shall be UNLAWFUL for ANY creditor to discriminate against any applicant, with respect to ANY aspect of a CREDIT TRANSACTION.

CONSUMER CREDIT TRANSACTION DEFINED- USC 1679 a 2 a- ( 2 ) Consumer credit transaction The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for PERSONAL, family, or household purposes. This company has violated so many of my rights and need to be held accountable for their actions and the irreparable harm theyve caused me.
Product: Credit reporting

Several times I have filed complaints with Equifax , referencing public records Judgement XXXX and XXXX, just now I filed another complaint, Equifax conf # XXXX, XXXX settled with attourney prior to court appearance, if paid per agreement this would be removed, this was paid in full a while ago, this is over 4 years ago. 
The next judgement XXXX, was a result of medical debt paid and also over 4 years old. 
Equifax is also reporting a credit inquiry from XXXX XXXX, from XXXX of this year, please note attached sheet where on XXXX/XXXX/15 XXXX XXXX said this inquiry was removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX they never tried to assist me better to receive a loan, the XXXX XXXX XXXX discriminated against me.
Product: Credit card or prepaid card

On XX/XX/XXXX saturday two weeks before XXXX my card number was used in new york at XXXX XXXX they stole XXXX dallars when i called XXXX XXXX XXXX XXXX they only told me this info and im in oklahoma they sent out a paper and i filled it out sent back ive called everyday no update these people are a joke and they are criminals i want my pay back im a single mom they need to be shut down most people ive spoken to are foreigners and make excuses for the ones who have stolen your money its a scam how can i get my money back they gave me an dispute id XXXX but no money still this company is a fraud they help foreighn countries and there people steal our hard earned money please do something theres thousands ofcomplaints on this company
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccuracies like inquiries and accounts which are unknown to me on my credit report, and I have not received a response from some bureaus, and it has been over 30 days since my complaint and others took more than 30 days for a response. I strongly feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and since it has been over 30 days so they should be deleted promptly. I demand these accounts and inquiries to be deleted immediately or I will file for litigation due to the stress you have cause me the stress has resulted in XXXX XXXX XXXXXXXX XXXX XXXX and other conditions resulted from stress, the fact that you XXXX, XXXX and Experian are not respecting my rights as a federally protected consumer has heavily and negatively impacted the fair opportunity to secure any credit lines and or loans with a fair interest rate for my well-being and my children. I am a single mother of a XXXX and XXXX and these inaccuracies have prevented me unfairly to acquire a home and a car to provide my children a safe place to live and a reliable vehicle to transport them to school. My information was also impacted by XXXX, XXXX, and Experian data breach and it may have got into the hands of the wrong person. I repeat this is misleading in such a way and to such an extent that it has adversely affected credit decisions.
Product: Debt collection

Dear Santander Consumer USA It has been brought to my attention that your company have reported this alleged debt as a loss on your tax return and have gotten a tax credit for it. My confusion is why is this still being reported to the consumer reporting agencies that I still owe this debt?? Your company have until the next 5 business days to delete this account off of my report. If not done within the time allowed I will file form 3949-A with the IRS & have your company reported. 

ACCOUNT # : XXXX Thank you for your time
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute & Debt Validation Request FCRA & FDCPA Compliance Required Account Name : XXXX XXXX XXXX XXXX Allegedly Owed : {$2300.00} Dear XXXX XXXX XXXX and Equifax, I am writing to formally dispute the above-referenced account appearing on my Equifax credit report. This dispute is being submitted under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 611 and the Fair Debt Collection Practices Act ( FDCPA ) 809. 

XXXX XXXX XXXX XXXX for Debt Validation ( FDCPA 809 ) 1. Under the FDCPA 809 ( b ), I am requesting that you provide the following documentation within 30 days as proof of your right to collect this debt : Complete Account Statements from the original creditor proving the alleged balance of {$2300.00} is accurate.

2. Proof of Assignment or Purchase Agreement between you and the original creditor, establishing your legal authority to collect.

3. A Copy of the Original Signed Contract showing I agreed to this debt.

4. A 1099-C Form if this debt has been charged off and is uncollectible per IRS guidelines .

If you can not provide these documents, you must immediately delete this account from all consumer reporting agencies, including Equifax.

Equifax Formal FCRA Dispute ( FCRA 611 & 623 ) Additionally, I am disputing the accuracy and completeness of this reporting under FCRA 611 for the following reasons : The original creditor name is missing, violating FCRA 611 ( b ) ( 1 ) ( B ).

The balance is inaccurate, and I demand verification under FCRA 623 ( a ) ( 1 ) ( B ).

The account is marked as " Consumer disputes reinvestigation in progress '', and if this dispute has exceeded 30 days, it must be deleted immediately per FCRA 611 ( a ) ( 1 ).

Under the FCRA 611 ( a ), you are required to complete this reinvestigation within 30 days. If you can not verify the accuracy of this account with documented proof, you must remove it from my credit report immediately.

Notice of Legal Intent Failure to comply with my request will result in the following actions : I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of the FCRA and FDCPA.

I will consider pursuing legal action for damages under FCRA 616 and FDCPA 813, which allow statutory damages of up to {$1000.00} per violation plus actual damages.

Please send all written correspondence to my address listed above. If this account is not removed or validated within the required timeframe, I will escalate this matter accordingly. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to XXXX and TransUnion XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If XXXX and TransUnion do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting or other personal consumer reports

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX | XXXX - {$0.00} 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 ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX XXXX  XX/XX/XXXX ; 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
Product: Credit reporting or other personal consumer reports

Did XXXX XXXX XXXXXXXX have any involvement with XXXX XXXX XXXX XXXX MI and loan XXXX. 

Tradelines XXXX resolve XXXX. 

Any involvement with XXXX XXXX fake XXXX at XXXX XXXX XXXX together. 


If XXXX XXXX XXXXXXXX continues lies, fraud and abuse of power refusal to answer my questions on Fraud the CFPB should issue a Fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy in  XXXX  there are inquiries on my report I am not aware of. I was under  wage earner    from  XXXX -  XXXX   when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX , XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

To Whom it may concern account name XXXX XXXX XXXX XXXX you are reporting this collection as an open account which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Once the original creditor sells my debt to a 3rd party debt collection without my permission. I no longer owe this debt.

Pursuant to the fair debt collection practices Act 15 US code 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I have three medical bills of my son XXXX XXXX date of birth XXXX. Bills from XXXX ; XXXX ; XXXX. Insurance company " XXXX XXXX  '' paid this bills full. But collections agency " AR Resources, Inc '' tries to recover money from me again.I have informed collections agency about this many times.
Product: Debt collection

On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX ( Original Creditor is : Tribute ). After several failed attempts to contact XXXX XXXX XXXX XXXX by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did XXXX XXXX XXXX XXXX never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that XXXX XXXX XXXX XXXX is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on Tribute statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time XXXX XXXX XXXX XXXX increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX.
Product: Debt collection

I have attempted to contact this company on numerous occasions to find a solution to the debt they claim as owed. Most recently I emailed them at the contact listed on their website, Support@AdAstraRecoveryServicesInc.com These communications took place on XX/XX/2021 and XX/XX/2021 and the company refuses to respond. 

As a result, I have disputed the validity of the debt with the credit bureaus and they find the time to respond that inquiry but not to the person actually trying to solve the matter.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX  {$280.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, ConServe, the debt Collectors for XXXX XXXX XXXX XXXX ( XXXX  ), offered me a settlement in the amount of {$2600.00}. The terms were to be paid in the amount of {$290.00} monthly until paid as agreed. I made an initial payment on that same day via XXXX visa. I made other payments via my XXXX checking accountand the final payment of {$1700.00} on XX/XX/2022, via XXXX visa. The account has been paid as agreed. 

I contacted XXXX several days after my final payment to confirm that their system reflected that I had paid as agreed, but the system had not updated the current payment status. On XX/XX/2022, I disputed the inaccurate info on my credit report. XXXX subsequently notified me on XX/XX/2022, that my dispute was completeyet, No changes had been made to the inaccurate information. To date, XXXX still has me owing them $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest credit systems reported an existing account with an incorrect balance to my credit report the day after my credit report for the month of XXXX became available.
Product: Bank account or service

Chase Bank closed my account on XXXX/XXXX/16. I had {$450.00} in the account as of that date -- with no outstanding checks or debits .... I was told that I had to wait 10 days before I was to receive the balance of funds ... ... It is now XXXX/XXXX/16 and I have not received my money from the account ... ..I have contacted the bank a number of times regarding this problem -- -only to be put off with " we sent you a check '' or '' we are conducting a search for the check '' or come into the bank to see a manager who will assist you who is never there ... It is my money -- -I live off my Social Security of {$810.00} a month -- -so that is a great deal of money for me to lose ... .I do not know why the bank will not give me the money -- it offers no reason or excuse
Product: Vehicle loan or lease

Leased an electric car. 

BMW received a benefit of more than {$7000.00} for the electric incentive rebate from the government The car would not charge because it was not designed to charge when it's more than 95 degrees out. But they sold it in Arizona where the temp is always over that for 5  months of the year. 

Returned the car. Bought a different car because they wouldn't let me out of the sale agreement. ( illegal - car was mechanically non-functional ) New car deal, they " reversed the incentive '' which was wrong because I went from lease to loan. And they financed the incentive into my new payment. 

When I realized this was wrong many months later they refused to negotiate to resolve this discrepancy. I had someone willing to buy the car at a reduced amount of about the same as this {$7000.00} amount ( which was not real value ever ). 

I stopped paying because I couldn't get their attention and then they repo'ed the car but now they are trying to collect the amount due which coincidentally is the same amount I had a buyer to sell the car to! 

They broke the law with leasing me the electric car that was a lemon because it should never be sold in hot climates. 

They controlled all the options until the very end and now they will not let it go even of what they think " I owe '' even though I have no car and couldn't sell it and lost my money, time and am out a car. In addition warranties and other intangible benefits such as gap insurance that was paid has been lost due to this forced liquidation.
Product: Credit card

capital one had sent me a {$200.00} bonus offer for their quicksilver card. if you spent {$500.00} within the first 3 months of the account being opened, you'd get the {$200.00} bonus. I never received the bonus and it is impossible to get ahold of them on the phone.
Product: Money transfer, virtual currency, or money service

I initiated a bank transfer in my wells Fargo online banking. I scheduled {$590.00} to be scheduled on XX/XX/2018 from my XXXX  account to be delivered by XX/XX/2018 to my Wells Fargo account. On XX/XX/2018 the funds of {$590.00} were withdrawn from my XXXX  bank account To be sent to my wellsfargo account. After several days, the Wells Fargo transaction status still stated pending the funds were never deposited into my Wells Fargo account. On XX/XX/XXXX, I called Wells Fargo to request to cancel the external transfer, because it was too delayed and The funds were never actually received by Wells Fargo. The transaction was confirmed and cancelled by a Wells Fargo rep. today is XX/XX/XXXX and the cancelled transfer of {$590.00} has never returned to my XXXX account. I contacted Wells Fargo and they stated there was nothing they could do, because the funds were never received by them and the transfer was cancelled several days ago. They told me to contact XXXX. I contacted XXXX, they said there was nothing they could do because they processed and sent the funds. No one is able to help me. XXXX confirmed that they have not received a notice from Wells Fargo regarding any returned transfer.