23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I worked overseas in XXXX XXXX at the XXXX. This company forces all its new employees to take out loans for housing. I took out the loan and paid on the loan until I left the company and moved back to the states. I called the company where I got the loan, ( XXXX ) in XXXX XXXX to explain my situation to them but they refused to speak with me or set up any payments unless I paid them a huge payment. 
Within a few weeks Cedar Financial started calling me. I spoke with several Cedar Financial representatives and informed them I was n't working and once I started working I would make payments on the loan. They refused to listen and one even suggested I go back to my old jobs. They continue to call and leave messages on my phone. They have been harassing my daughter by calling her consistently. She has nothing to do with this issue and when I 've tried to call them to demand they stop calling me and my daughter they say they ca n't find any information regarding them calling me nor can they find me in their system. Yet they continue to call. Almost daily. 
They call my daughter while she 's at work, in the morning and in the evening. This needs to stop. I do n't want them calling me and I will make payments when I find a job. Until then, I do n't need to hear from them. I do n't appreciate them bothering my daughter with this and we are both being harassed by this awful company. One last note, my daughter 's name is n't on this loan and she was in the States when I was forced to take out the loan. 
I had no intention of telling my daughter about the loan but Cedar Financial took it upon themselves to involve her in this situation. I fear they would call someone else in my family if they knew where to find them. I do n't like that. I do n't like everyone knowing my financial situation and Cedar Financial tries to shame people by releasing private financial information about them to family members
Product: Debt collection

Last week on Wednesday two joint bank accounts my spouse and I share were frozen and his entire check from work was made unavailable. The judgement letter was under my name. The bank accounts frozen have my spouse as primary account holder as hes the breadwinner. We live week to week paycheck through paycheck. XXXX court receivers is the firm that we were told to deal with. The firm hasnt been very responsive and they have done nothing to unfreeze our bank accounts. It is my understanding that under federal law 25 % of earned work income is protected from being frozen/seized. We need the firm XXXX court receivers to unfreeze my spouses paycheck as the judgement isnt his not is he listed on the judgement and we need at least 25 % of his check he unfrozen so we can buy food and basic necessities to survive
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX. 
XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report leaving me in accurate or unverifiable accounts unresolved the consumer finance protection bureau has recently filed a lawsuit against XXXX such as systemic issues such as failure to forward consumer provided evidence to furnishers excepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience where XXXX has neither corrected nor removed disputed items, despite the evidence of provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violate federal law, and my rights as a consumer
Product: Debt collection

Ive contact National Credit Management on different occasions to delete an account on my credit report that is not mine. The first time I contact them via mailing in regards to validating the debt they failed to mail me copys that verify this debt as mine. They only decreased the debt from {$90.00} to {$70.00}. I recently filed a complaint and their only response was to close the account and return it to XXXX XXXX University.
Product: Vehicle loan or lease

I took out a loan for a bank to purchase a vehicle for {$9000.00}. I was advised by both the dealership and the bank that if I put {$3500.00} down that would only leave the bank to finance me for XXXX. I have been back-and-forth, trying to get paperwork from the bank and the dealership which they were refusing to give to me when I finally receive the paperwork it is showing that I am taking a loan out for the entire {$9000.00} from the bank which I dont know where my {$3500.00} then went. The car broke down on me less than 24 hours of having it I tried to call the dealership with no response, so I filed a complaint with the bank, explaining everything that has happened. They are telling me that they have a relationship with a bank so they will do the negotiations and will make sure that the dealership takes care of the repairs. This has now been going on almost 4 weeks and I have showed out {$800.00} in repairs for the vehicle by day three of the purchase. The bank is now getting back to me threatening me to either take {$2000.00} that the dealership is offering towards repairs at the dealerships Mechanic believes will cost {$5000.00}. The bank is now stating me that I can either except the {$2000.00} for the repairs or return the car and lose my deposit and they are closing my complaint. I simply want my car repaired so that he can work and be driven on the road.
Product: Debt collection

XX/XX/XXXX-XX/XX/XXXX XXXX XXXX {$2400.00} XXXX added on {$330.00} Rpm added on {$300.00} I wrote 300 letters toXXXX Customer XXXX XXXX XXXX XXXX, NM XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act, Planet Home Lending, has violated my rights. 
15 USC 1681 Section 602 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Please review the information and documents attached related to this complaint.
Product: Checking or savings account

Went to 2 casinos. XXXX XXXX and XXXX XXXX. used ATM to remove cash. During the use of the ATM my husband and myself selected checking account to withdraw {$200.00} and during the transaction at the end said this ATM charges a {$4.00} fee do you want to continue. Clicked yes. Then when the charge shows up at the bank they removed the {$200.00} plus the {$4.00} but they also removed {$2.00} for our checking and savings accounts saying that I requested a balance inquiry. This is a pattern for this company and it is fraud on a grand scale. I am looking for and attorney to see about starting a class action law suit. This company is making millions off this scam and say it is in the computer programming of the ATM. The Casinos are aware of it also and do noting to stop it. Pass time the government look into the business dealing on this company ' Saving account : XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$18.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$21.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$23.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} Checking account : XX/XX/2019 Global Cash Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXXWithdrawal at ATM # XXXX - {$200.00} {$5800.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXWithdrawal Foreign ATM Fee - {$2.00} {$6000.00} XX/XX/2019 XXXX XXXX  Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6000.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXWithdrawal at ATM # XXXX - {$100.00} {$6000.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6100.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6100.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal at ATM # XXXX - {$100.00} {$6100.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6200.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$5400.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal at ATM # XXXX - {$100.00} {$5400.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations filed with XXXX  and sending you this to finish my report on all 3 company
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 13 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

My Disputes were send in to Equifax was never resolved, and I'm a victim of the equifax data breach aswell these debts are not mine
Product: Payday loan, title loan, or personal loan

I call Cottagewood financial Wisconsin and Ask for settlement, for {$500.00} since its been 10 years Since I got married my last name was XXXX  now its XXXX.
Product: Mortgage

A loan was assumed by LITTON LOANS/OCWEN and the loan was PAID IN FULL on or about XX/XX/2010. 

Litton continues to report MONTHLY PAYMENTS as accruing, giving the impression on review of a credit report that there is a PRESENT DELINQUENCY. There is not, as NO MONEY IS OWED to Litton.
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. 

( Reported False Collections ) XXXX XXXXXXXX XXXX. 
Last reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account name : XXXX Address:XXXX XXXXXXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Account name : XXXX  XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Account name : XXXX XXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Account name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man 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
Product: Debt collection

There is already a debt collection on my Credit Report that is not my account and I have been disputing it with the Credit Bureaus from Westlake Financial Services Inc and the ORIGINAL supposed amount owed was {$10000.00} as of XX/XX/XXXX. I already was not aware of this debt and also the charge off amount and yet as I dispute the only thing that has been happening is the balance has been going up. Not to mention this account was closed way back in XX/XX/XXXX so how can the amount supposedly owed go up on an account that has been closed for over 2 years. On XX/XX/XXXX there was an alert of the amount changing from {$10000.00} up to {$11000.00} a difference of {$510.00} when the account has been closed since XXXX. Then yesterday I received another alert that the amount supposedly owed went up yet again from {$11000.00} to {$11000.00} an added difference of {$330.00} how is this even happening on an account that has been closed for over 2 years with no activity at all? That is a total of {$840.00} it has gone up for no reason at all this just goes to show that even the original amount supposedly owed was incorrect. This company is trying to scam me and is destroying my Credit Report in the process so I am filing this complaint since it does not seem like they are trying to help my situation they are just trying to ruin my Credit even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint against TransUnion for allowing fraudulent inquiries on my credit report. The dispute letter including my Identity Theft Report was mailed out and delivered to them on XX/XX/2023. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report?
Product: Credit reporting or other personal consumer reports

AFFIRM INC XXXX Balance : - {$2300.00} AFFIRM INC XXXX Balance : - {$1100.00} AFFIRM INC XXXX Balance : - {$230.00} AFFIRM INC XXXX Balance : - {$100.00} AFFIRM INC XXXX Balance : - {$590.00} AFFIRM INC XXXX Balance : - {$570.00} I believe the information being reported to be inaccurate. For that reason, Im requesting any account-level documentation in your possession in addition to the following information : * Application * account agreeement and annual disclosures * billing statements from open date to current * copy of hardship or workout plan agreement * Gramm Leach Bailey Disclosures * copy of 1099-C
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 6 disputes to Experian about XXXX XXXX XXXX account. 
Experian is the only credit bureau that is inaccurately reporting the information pertaining to this account and it is now showing deliquent on my credit report. My Experian credit report is significantly ( more than 30 points ) lower than my XXXX  and XXXX  credit reports because of this inaccuracy. 

Dispute 1. XX/XX/XXXX Dispute 2 .XXXX XXXX, XXXX ( closed in 2 hours ) Dispute 3. A second on XX/XX/XXXX Dispute 4. XX/XX/XXXX Dispute 5. XX/XX/XXXX Dispute 6. I also next-day mailed in a dispute with verifying documents to confirm the invalidity that the account was resolved with receipt from the collection agency. This was mailed on XX/XX/XXXX. 

The issue : This debt is being double-reported. I have confirmed with XXXX that the debt was sold to collections on XX/XX/XXXX. However, XXXX never reported to the credit bureau that the debt was sold, nor did the collection agency report receiving the collection. 

The following year, I called XXXX to pay the debt on XX/XX/XXXX and the debt was no longer in their possesion, I was provided with the collection agency 's information and resolved the account with the collection agency. 

I noticed in XX/XX/XXXX that this debt is still showing on my credit report as outstanding from XXXX and I disputed it with Experian. Since then, my credit has plummetted because the XXXX account was updated to reflect the dates of outstanding payments from XX/XX/XXXX to present, ( even XX/XX/XXXX has reflected no payment ). 

This account needs to be removed from all credit reports in entirety. XXXX is falsley reporting information on my behalf and the credit bureau is not doing diligence to investigate this inaccuracy despite receipts and factual documentation being provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.
Product: Credit reporting or other personal consumer reports

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 XXXX 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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was a victim of the XXXX data breach of 2017. The inquiries listed on my reports are not mine, please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights.

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

15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I enrolled my Lowe 's credit card ( issued by Synchrony Bank ) into Auto Pay on XX/XX/19. I had a payment due on XX/XX/19. My account was never deducted the auto pay amount and I was charged a fee. I checked the day of the due date and the website indicated that my auto pay was " on ''. When I called customer service, they indicated that it can take a cycle or two to have this feature activate. However, as I mentioned, the online portal indicated that this was actually " ON. '' I was reimbursed the late fee, but I feel that this is a deceptive practice by the bank. Their online account portal should accurately reflect the current state of auto pay to eliminate confusion.