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

I went to Conns on XX/XX/2021 my boyfriend and I were greeted by XXXX I then showed him a BEDROOM SET ( keyword set ) that I wanted. He told my boyfriend and I to sit on some massage chairs and I told him that I wanted to pay upfront. He insisted that we finance because we just moved out here and itll save us money, so us being naive we listened. We filed out everything and after the paper work was finished I asked if he had made sure he got the correct bed set and if he had my dressers on there and I informed him that I didnt want two nightstands that I only wanted one. He told me that he got all that and that Ill revive my dressers after I make a couple payments so we set up a delivery date for the bed and I went home. On XX/XX/2021 I contacted Conns because I havent received my dressers and they told me they had no knowledge of me supposed to be getting the dressers. So I told them the story and they said sorry there wasnt anything they could do about it so Im stuck paying a loan for a XXXX bed. I would of never got just a XXXX bed Ive been mislead and tricked.
Product: Vehicle loan or lease

I purchased a car in XXXX  through credit acceptance and had it for 30 days. It was totaled and the other driver was at fault. Credit acceptance still has the account open and updating late payments instead of charging the balance off.
Product: Mortgage

The first week of XX/XX/XXXX, I completed a Telephone Application with XXXX of Owning Corporation for a home refinance. On XX/XX/XXXX, I was contacted by XXXX ( Loan Processor ) and was asked for some of the same information that had already been provided to XXXX. On XX/XX/XXXX I was asked by XXXX about a XXXX Lien on said property, I informed her that that issue had been settled in XXXX. I then had to at her request provide proof. First I found a copy of the dated XXXX check to the owner of that loan. This was still not enough. Then I followed that with the specifically requested settlement statement that included that transaction. There were many moments of concern during this process. Even at document signing with place and date discussed the initial signing did not occur on XX/XX/XXXX. After my reaching out for explanation, it eventually took place on XX/XX/XXXX. Curious, the Notary only had copies of " Notice Of Right To Cancel " but did not provide copies of documents for us to have during this period. On XX/XX/XXXX I received the most incredulous request from XXXX. She requested my spouses work information for verification. I was dumbfounded as this is Day One information provided. Then we were back to the lien of XXXX. Finally this, " signed loan documents have expired " due to the unresolved XXXX lien. I had earlier challenged this inquiry due to the fact that we had been serviced by XXXX XXXX XXXX, XXXX  XXXX XXXX and presently XXXX XXXX since XXXX and this was not an issue with their servicing the loan. We feel bias has a role in this. This has been an unbelievable process as we have excellent credit reports and steady employment. It is sad to say that in XXXX, we feel that as a XXXX, XXXX  older married couple we have been unfairly discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and havent heard anything back. I need this fraudulent information removed from my credit report within 4 business days. 

Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXX XXXX XXXX XXXX, CO XXXX,
Product: Debt collection

Midland Funding/XXXX per XXXX credit report XX/XX/XXXX Midland funding est fall off date XX/XX/XXXX looking at XXXX XXXX, midland funding was removed from credit report XX/XX/XXXX new XXXX XXXX report XX/XX/XXXX ; midland funding was placed back on and new est fall off date XX/XX/XXXX 1-why was it put back on after it was removed 2-why is the fall off date changed to XX/XX/XXXX from XX/XX/XXXX 3-date of last payment with original creditor XXXX XXXX XXXXl XX/XX/XXXX per credit report ( XX/XX/XXXX was 30 days late and account never brought up to date. XXXX XXXX shows last payment XX/XX/XXXX but delinquency date of 120 days was XX/XX/XXXX. XXXX XXXX already removed from all three credit reports. 
4-SOL for PA is 4 years and previously midland already advised in writing they can not sue me! 
5-why did date change and put back on credit report after it was removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been tryna to explain to the people that I have not been to college online nor on campus .I dont have a high school diploma, in my identity was stolen .They garnished my work check before in I tried stopping that but they wouldnt stop.Now they are saying I owe them {$1000.00} dollars.Ive never seen a check or anything .The address that was used for the loan Ive never lived at or heard of, I just dont know what else to do
Product: Vehicle loan or lease

Hyundai Motor finance has fraudulently treated me as a chattel slave to a contract. due to non-disclosure and I have recently send correspondence that they have decided to ignore. By law I never was given proper notice that the contract was the asset. The contract was fraud, no meeting of the minds or value and proper acceptance was given. I have rescinded the contract due to fraud and I sent a w-9 to request the EIN still no response and will be sending a 211 IRS whistle blower form to audit the accounts of others as well. These subprime lenders know federal laws and constitution yet continue to fraud the public. The laws states that all obligations are of the United States Government 18 USC 8, 31 USC 3123, HJR 192 and Public Law 73-10. I have requested to recoup all funds paid into the off balance account. They also violated federal law by not disclosing that the transaction is either a cash OR credit transaction. They charged my credit card ( ssn ) and demanded federal reserve with threats to take the car even repoed the car and I paid many fees to get the car returned. Finance charge is the sum of all charges and they charged me a down payment and many other fees. They also made me pay for my own issuance which is all against the law. I have noticed this fraud and demand all recoup of funds returned. Please be advised that if deprivation of rights has occurred by cfpb as well as Hyundai Motor Finance can be held liable by law. I want this matter settled immediately as by law I can rescind and express the trust as the grantor and beneficiary and received my recoupments under holder in due course doctrine. I know that CFPB, HYUNDAI MOTOR FINCE Knows THE LAWS OVER CONTRACT, anti-trust and defrauding the government. Please be advised that I have rescinded the contract the documents are attached. You have attempted to close out the contract which out consent of the ORIGINAL creditor! Also prove that you loaned me something. You have used mail fraud payment statements not a true bill without proper endorsements which was always a positive balance and to my knowledge of accounting you can not pay a positive balance so credits were due to me. Fraud has taken place. I CAN GET THE DOJ, secret service and other government agencies involved I can seek damages and due to the contract being fraud fill a class action. Correct your mistake and close this account immediately. I have logged into the account and its still active which means fraud is still going on. Prove that you did not securitized the loan? Provide the original note which is the contract I initially submitted to get financing thats the original asset.. not the fraud contract you have sent me! The United States corporation is in bankruptcy so to request I pay is against the law. You have made me pay and I have the right to rescind and recoup payments made. This is written in good faith and I have an adverse claim in the contract as I am the only signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - I submitted two disputes via mail/letter regarding two XXXX accounts that continue to show on my credit reports as late payments. 

XX/XX/2022 - dispute results were returned to me unchanged as its appears Experian took no action! 

XX/XX/2022 during a phone call with a XXXX representative, XXXX confirmed there should be no late payments showing on my credit report as I am up to date on all payments and also confirmed that one of two of my accounts is paid in full and closed. XXXX to send a letter to me for my files. 

Report XXXX XXXX
Product: Debt collection

The company has sent me an incorrect form regarding the VOD- per a prior statement on another complaint they indicated the name of the provider is at the top of the sheet- however it is not. Therefore the document provided has nothing to do with the alleged debt and is not applicable to this. You can not send another providers information claiming it is applicable- clear violation. Since the company is unable to provide further documentation this needs to be off my credit report immediately.
Product: Money transfer, virtual currency, or money service

I am writing to express my frustration with Zelle and my financial institution for their inadequate handling of unauthorized transactions. When I reported fraudulent activity, both Zelle and my bank failed to take meaningful steps to investigate or recover my funds.

Zelles lack of effective tracking and fraud prevention tools leaves users vulnerable, and my banks unhelpful response has exacerbated the issue. As a payment platform directly linked to consumer bank accounts, Zelle should have stronger safeguards in place to protect its users.

I urge the CFPB to hold Zelle and its partner banks accountable. Their current practices fail to prioritize consumer protection, leaving individuals like me with no recourse for financial harm..
Product: Credit reporting 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 sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXXXXX Balance : {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Template On XXXX XXXXXXXX  I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting

Public record State tax lien and Bankruptcy ( yr XX/XX/XXXX ), was disputed and previously deleted, and now on XX/XX/XXXX, a reinserted public record for the same state tax lien and banruptcy has been added to my credit report FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification
Product: Debt collection

I have contacted Capital One Auto Finance due to this alleged debt they are attempting to collect in which I have disputed electronically, in writing, and orally over the phone and I a, still be told that I am the owner of this debt. In my findings with the information gathered I believe unethical and unfair practices took place with my personal credit information. So I do believe identity theft has taken place and I am to the point where my livelihood is being affected and the safety of my own human life is at risk. Attached are findings and verification of documents. 

Attached will also the alleged account of this debt they are claiming I owe which is an account that was created in fraud through identity theft according to 18 USC 1028
Product: Checking or savings account

On XXXX XX/XX/2023 I was drugged and robbed in XXXX XXXX. They stole my phone and wallet and got into most of my accounts. A police report was filed with XXXX XXXX police department and I called USAA through my friends phone on XX/XX/XXXX. They said they locked my account and marked all charges after that as fraudulent. In which they did not lock my account and I has to call back three more times. I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and communicated numerous times through their chat as well about a {$1000.00} XXXX charge that was not authorized. Everytime I called they said it has not been disputed and to call back in ten days since they disputed it. Finally I had enough and said cancel all my accounts because the hackers had the routing and account number and they kept saying the charge had not been distributed after calling back numerous times. I feel as if they just tried to push it so I would not get the money back even though it was fraudulent. There was other numerous charges as well that I marked fraudulent and got back with no problem.
Product: Debt collection

I am having difficulty dealing with and securing information from Windham Professionals located at XXXX XXXX XXXX, XXXX, MA XXXX regarding a XXXX  credit card charge off. I have called Windham on several occasions to request information I am entitled to under both federal and state law with no success. When I called Windham, I was forced to deal with inexperience, young adults ( teenagers? ) that were incapable of answering even the most basic questions. I have requested on at least three different telephone calls a complete and accurate breakdown of the exorbitant balance they are claiming I owe. I requested a breakdown of all alleged charges, copies and dates of when the account was sold and to whom, past due fees, interest, attorneys fees, and any other fees. The current balance Windham claims I owe is {$3200.00}. I have also requested the cardholders agreement, any signatures linking me to this account, a copy of the original application bearing my signature, the original card limit, or any form of validation of this debt. It should be noted that I contact XXXX  directly ( XXXX XXXX  is the issuer ), and I was informed the account was sold to XXXX XXXX, XXXX, located in XXXX, Texas. I called XXXX XXXX, only to be told that the account was sold to Windham Professionals in New Hampshire. As stated above, I have called Windham on several occasions with no success. I have kept detailed notes with dates and specific information on these conversations. After I informed the young woman on the phone that I intended to initiate a Smalls Claims action against Windham, I received three old card statements, dated XXXX, XXXX, and XX/XX/2019 in the mail. I did not receive any of the other information that I previously requested. I believe I am entitled to this information. I am the XXXX  XXXX  XXXX  for my elderly mother who suffers from XXXX. This account owned by Windham Associates is keeping me from refinancing my home to help my mother. I have tried everything possible to address this debt, but Windham Associates is being uncooperative. They do not have enough experienced employees to assist consumers. They also do not have the information as required that I have requested to validate this debt. I am seeking help and guidance as to how to handle this situation. 

Thank you.
Product: Debt collection

these people start calling me at  XXXX  in the morning and as late as  XXXX  also sometimes on the weekend. I had to change my phone number and cost me money  I d ont have to spare.
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. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

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

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

E STOPPEL PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my XXXX  credit report! It states theres a block for promotional purpose! 

I can not access my XXXX  report, its stating theres am open dispute. 

Experian has a bunch of inaccurate information on my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to this company dated XXXX XXXX, XXXX to request for investigation with regards to a XXXX XXXX account reported in my file. Then I wrote a letter to XXXX XXXX date XXXX XXXX, XXXX. XXXX responded that they investigated the account and that this verified correct and valid WITHOUT any validation documents ( i.g. bill/statement, proof that alleged account was assigned to them etc. ) that will prove the validity of this account. This company can not even tell me when was the date of service which on their letter shows " XXXX/XXXX/XXXX ''. Their response is unacceptable and unlawful, so is this credit repository 's response and not removing an UNVALIDATED item is a violation of FCRA. Attached is XXXX 's letter, copies of the letters sent to this credit repository and to XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX we checked into our hotel room and XXXX held {$740.00} to cover room charges. On this card once this happens the funds are immediately removed from the account and typically held until a request from the hotel is made to collect funds. I have a receipt from the hotel on XX/XX/2017 stating the funds had been collected. At this time I was in the hospital and a unauthorized charge for XXXX was taken out of my account. I called XXXX and made them aware that this had happened while the transaction was on hold. They told me I had to wait until the transaction was complete to dispute it even though I told them I did not authorize the transaction. I was also told that I had to wait 30 days for my deposit to be refunded by XXXX On the XX/XX/XXXX the funds of XXXX were sent to XXXX. These transactions sent my account into a XXXX dollar negative balance and they were unable to explain how this happened. I am unable to use my account until this is resolved or pay rent.
Product: Credit reporting or other personal consumer reports

I filed a Bankruptcy XXXX XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX XXXX, Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted XXXX XXXX XXXX, Bankruptcy Department explain what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXXA specialist from XXXX XXXX XXXX  Bankruptcy Deparment named XXXX XXXX told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited one mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the XXXX XXXX XXXX had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.