23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I called Credit Acceptance and explained that I was in furlough. I was informed that there was nothing that could be done but to make payments on the account. I then explained to the agent how the cares act had established some guidelines or It was my understanding that Credit Agencies or any agency had to attempt to help us. The agent then mentioned he could place my account in some type of status but still would report late to the credit bereaus and even if I did not make any payments my car would not be repossossed. I have not received anything in the mail or in writing that explains my conversation with me and the representative over the phone. I feel like he just did not want to help and I am under the belief since the pandemic has cause this, late payments should be defferred to prevent getting a bad credit rating. Please help, Since I have a XXXX I am also requesting reasonable accommodation with the ada or adaaa, This is very troubling times and having a XXXX only makes it worse.
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 XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : 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 supposed to modify accounts that aren't reporting correctly.

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

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. 

XXXX 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 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 Had violated my rights. 

15 usc 1681 section 602 A. States I have the right to privacy. 

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 1681 C ( 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 convictions of crimes which antedates the e report by more than seven years. 

15 usc 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 or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXXL ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Bank account or service

It appears to have started when i enrolled for a job at the XXXX USPS. I had them do a background check for me from a company called OPM.gov. On XXXX/XXXX/2015 I had my whole account from My XXXX/Visa debit card stolen from me in the amount of {$220.00}. The transfer was made from BOA in sacramento. I called BOA EDD/visa debit and told them i did not authorize this tranfer. they called it fraud and sent me a new card and said it would take 45 days to investigate. two weeks later they closed my clam and they did nothing wrong. They said they tranferred it to my bank account at The XXXX and there was no fault on their part and closed the claim. They told me to contact The bancorp.com. I tried calling them and they had no account under my name and asked for an account number. after calling BOA numerous times i finally got them to tell me over the phone the account they sent it to, after waiting yet another week to say they will mail it to me becase they can not give it over the phone, and failed to do so. after getting this info i called the bancorp.om and they said i do have an account. ( I never opened it and have no idea how this happened ) well they refuse to give me my funds. After calling numerous times to them i had XXXX one lady said the money is there and they will transfer it into a different card i will need to acquire from XXXX. I have opened a card and waiting for them to transfer it. after a week i called back and the same guy who refused to help me said he was going to the call the XXXX and tell them they ca n't do that and he wont tranfer the money. I was told tby the lady that she tranferred the money to them on XX/XX/XXXX and it is pending. if by saturday i do not get it i will call them back again and get furious. After notifying the FTC and filed a fraud alert, it was OPM.gov that said they may have been exposed to a cyberattack. I have fraud monitoring but do not know if the person who opened this account also have been draining my social security as well. my fear is that whoever opened this account at The bancorp.com may have opened up more things as well. all i want is my funds back so i can close both my XXXX/visa debit card and the XXXX account as well. but i have both of them telling me its not their fault and go back and forth. i am getting exhausted and drained from all this. i want to file apolice report but i have only the visa statement to show for it and the XXXX have not produced or will send me a statement or account ID so i can see where the funds have gone, when it was opened, and what kind of activity has been going on. Please help me.
Product: Debt collection

On XX/XX/year>, I received a notification from XXXX informing me that TRANSWORLD SYSTEM INC/ has flagged my credit as Collections on XX/XX/year>. 

They are attempting to collect a balance of {$480.00} from an account that I have never opened and at an address where I have never resided. Last year, they did the same, and after my complaint, it was removed from my credit report. 

I have been charged this money in the past on several occasions, and they have been unable to prove that it is my account. I urgently request that this cease. I require evidence that I opened this account. I demand that the following information be provided : - Full name and social security number ; - The name of the original creditor ; - The creditors account number or reference number ; - The billing address of the account ; - Any other specific information relating to the consumer so that a full search can be completed. 

I demand that you provide the requested information, as you claim that I owe this money. 

Furthermore, I insist on proof that I opened this account. 

I warn you that I will take legal action against you. 

I await your response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XXXX XXXX 2021, You XXXX XXXX XXXX You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { XXXX XXXX XXXX 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. 
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.
Product: Mortgage

I closed my home loan with Veteran 's United in XXXX of XXXX. My taxes and homeowner 's insurance paid by escrow. The lender made an error in stating the first property tax due date was XX/XX/XXXX on the disclosure documents detailing what my costs as the borrower would be to purchase my home. The initial property tax due date was actually due XX/XX/XXXX. There were insufficient funds in escrow to cover the amount due to to the lenders error. Veteran 's United has now raised by monthly mortgage payment by {$710.00} per month to cover the escrow shortage. I can not afford this increase and should have been told of the cost to purchase prior to being issued the loan, not after so that I could budget accordingly.
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX XXXX in ~ XXXX XXXX, I was moving over funds from various online accounts and funneling it through XXXX XXXX account into XXXX so as to have my money in one location as well as at a bank with a local branch. My online banks saw the activity as possible fraud and declined payment on the checks already deposited to XXXX. I even spoke with their loan officer about ho I was going to do this and how to best rebuild my credit prior to moving the money. I received an email threatening me with police involvement for " check kiting '' if I did not contact them same business day. I did not see the email until the next day. When I reached out to the bank, the teller was rude, accusatory and threatened me again with the police. I owed a grand total of {$610.00}. I started to scramble to get the cash from my online accounts to make this right, meanwhile, they had the police dig into my bank account, harass me when I told him I was trying to fix the problem. I made a {$200.00} payment on XX/XX/2023, I told them I would get them the rest either as soon as I could resolve my online accounts or my student loan disbursement came in. I had no desire to take advantage of anyone. Again, the police called harassing me about the balance less than a week later. Finally I was able to pay off the remaining {$400.00} on XX/XX/2023. As a matter of fact I made a payment in the amount of {$410.00}. I asked them to CLOSE the account and send me a check for the over-payment. Instead, they reported my account as a charge off of {$400.00} on XX/XX/2023. They list the account as open, but charged off. I have asked them to fix this, to which they said on the phone they would, I have disputed with Transunion, but they never do anything about anything. This was NEVER a charge off, it HAS BEEN paid,
Product: Money transfer, virtual currency, or money service

The company name is XXXX XXXX XXXX, here is their website : https : XXXX XXXX They offered me a model job through instagram, stating that they will be giving me {$5000.00} in total, but that I have to give 50 % upfront payment after receiving their {$5000.00} check. On the first day, XX/XX/XXXX, I received {$2000.00} deposit check, and gave back {$1500.00} through XXXX. The next day, XX/XX/XXXX, I received {$3000.00} deposit check, but didnt give back any money ( as the XXXX XXXX have failed and that I have realized I was being scammed ). I called the bank immediately, the bank warns me that they have given me bounced checks, and it has been proven since the first {$2000.00} have already been bounced from my bank account. Yesterday, the frauds were still messaging me saying that if I dont give back the right amount they will be reporting me as fraud, later that day the account officer of the company ( also the person who gave me the checks ) states that the Agency Accounts Department has encountered a problem with the checks sent out. We have been instructed by the FBI to hold all payments for now while the issue is being investigated. 

As Im seeing it, at least two people are involved in this. One person who contacted me through instagram, going by the name XXXX XXXX, and another account officer going by the name XXXX XXXX XXXX. 

Most likely, I have already lost {$1500.00} ( after the {$3000.00} check gets bounced ).
Product: Debt collection

In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX, that was originally leased through XXXX XXXX XXXX, later sold to a company named XXXX, the vehicle was returned to XXXX  with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or Rock Creek capital LLC I was notified by XXXX  on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by Rock Creek Capital , LLC ; I verified my account in good standing before closing the account is XXXX XXXX ; I verified my account in good standing after closing the account is XXXX XXXX, I have never been contacted in any way by XXXX XXXX since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/XXXX. I mailed a demand letter which was received on XX/XX/XXXX I received a response from XXXX  dates XX/XX/XXXX, which complies with 15 U.S.C.1692g, and includes the name and address of the original creditor, Rock Creek capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Texas XXXX ), the amount they are alleging in collections is {$3800.00}. 

Further, Rock Creek capital LLC ( https : //www.rockcreekcapitalllc.com/, XXXX XXXX or XXXX ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two.

So the debt collection agency, XXXX, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX and XXXX is now out of business and unable to be contacted and you can no longer access any of their customer accounts, and I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by XXXX. I have records of all the communication, all of the transactions from the original lease, all of the communications between me and the debt collector have been written and recorded. 

So, I am asking to file this complaint against XXXX  who I believe is representing either a company or a debt or both falsely, or that they simply do not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called or messaged XXXX, Equifax and XXXX 6 months or so ago and requested that all addresses and telephone numbers that are inaccurate be removed from my profile. I was told by all XXXX that was not possible.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these itema are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a predatory loan with Money Mart. They have reported negative remarks on my credit report. This company would not provide me with a payment date. They just began taking out payments on each of my paydays. I borrowed {$5000.00} and paid over {$2000.00} and now the company is saying I owe {$6.00}, XXXX. They will not give me a set payday. When I requested that they stop taking payments out of my XXXX XXXX XXXX checking account to caused me to get all of these payment fees because they gave me different stories on stopping the payments. This exacerbated the situation and caused me to miss payments. The Corporate office forced me to go to the store that is packed all the time and has long waits. I feel that this is predatory lending because you can never get ahead of the debt and they are now claiming that I owe more than I first borrowed. They impacted my credit when I am trying to purchase a home. I am veteran and homeless but they persist in rates that are meant that you never pay them off. I also found it amazing that the corporate office was not able to stop the recurring payments from debiting my bank account.
Product: Credit reporting or other personal consumer reports

My car was stolen and my personal information has been used to get loans and credit. I filed the correct paperwork according to the FCRA and submitted it to the credit reporting agencies. Nothing has been submitted correctly and I do not have copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of 2022 I submitted a payment of {$1300.00} to American Express through my XXXX checking account. The amount was subtracted from my checking account, but after two weeks it never posted to my AmEx credit card account. I first tried to deal with XXXX for this. They provided me with documentation about where the money went ( which wasn't my credit card account ) but said the rest was up to American Express to take care of. I submitted all the documents to AmEx in XXXX, they never contacted me about updates on my dispute, they closed my dispute, a representative on the phone tells me they intended to give me a {$1300.00} credit but that has never posted. It is now XX/XX/2022 and AmEx is still not assisting me with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act. XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604A. 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 proper written instructions.

15 U.S.C 1668b. Also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX certified mailed a packet To dispute items that were fraudulent on my credit report to XXXX XXXX, Equifax, and XXXX all these companies have failed to protect my consumer rights they did not thoroughly investigate, nor did they send any proof they continuously report fraudulent information on my personal credit report according to section 605B of the fair credit report, any consumer that identifies fraudulent information must have that information blocks from appearing on their personal credit report within four business days XXXX  IS REPORTING FRAUDULENT OPEN ACCOUNT BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX And all Fraudulent inquiries XXXX is Reporting fraudulent accounts XXXX And open loans
Product: Checking or savings account

Chase bank did not follow their own policies and procedures and allowed 3 individuals access to debit our business account fraudulently through their ACH system. Over a period of 8 months, these individuals removed funds from our account in minimal amounts and under false business names that we actively do business with such as " XXXX XXXX '' to remain under our radar. The ACH policy on Chase 's account and applicable to our business account, communicates their is a submission of documentation to validate transactions and approve removal of funds prior to the first transaction. Chase bank failed to take this step and approved over {$55000.00} to be stolen from our business account over an 8 month period and now refuses to fix their mistake and restore the funds to our account. We were never contacted by the fraud department for even one transaction nor was the bank able to provide the documents or evidence that prove they validated documents approving charges to our account. Detailed information such as dates, amounts, communications and bank policies as well as a letter to the bank 's Vice President requested action are attached for review. We met with the bank on numerous occasions to resolve this issue with no results.