23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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 advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Date of Birth : XX/XX/XXXX SSN : XXXX - XXXX - XXXX To whom it may concern, FORMAL DISPUTES OF INNACCURATE I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this accounts are STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

I am writing to dispute and delete the following information that appears on my XXXX, Equifax and XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Line Of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE inaccurate information from my credit report. 

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I dispute the missed payments and late payments on this account. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE inaccurate information from my credit report. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
I dispute the missed payments and late payments on this account. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE inaccurate information from my credit report. 

Please be advised that under the FCRA, you are obligated to conduct a reasonable reinvestigation of the disputed items. Failure to do so may result in legal action.

I am also requesting that you thoroughly investigate these items and provide me with written confirmation of the results of your investigation within 30 days, as required by the FCRA. If the information is found to be inaccurate or unverifiable, it must be removed from my credit report immediately. 
I have attached copies of the following documents to support my dispute : Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

My checking account was debited in the amount of {$640.00} on XX/XX/XXXX, I called my bank, XXXX XXXX  and they instructed me to contact Avant , LLC to dispute the charge. I called them on the XXXX, XXXX and XXXX to have them refund the money back into my checking account. However, on XX/XX/XXXX, I received an email that stated that no fraud had occurred and the claim was closed. I want the {$640.00} refunded back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of XXXX, XXXX, XXXX.I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- CLOSED ACCOUNT --1. XXXX XXXX XXXX XXXX with ACCT XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.-- AUTO ACCOUNT --2. XXXX XXXX XXXX XXXX with ACCT XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.-- COLLECTION ACCOUNT --3. XXXX XXXX XXXX with ACCT XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, 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 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as ate purpose
Product: Debt collection

For personal reasons I left the home in which I was paying for internet. Almost a year later in XX/XX/XXXX I was given the equipment back to return, which I did. After sending it back I was assured that the outstanding balance ( {$270.00} ) would decrease with the the receipt of the equipment and would also erase from my credit history. A month later in XX/XX/XXXX I checked to make sure they received the equipment while I was still getting calls from the collection agency ( Diversified Consultants ). I was told that the case would be escalated in 48 hours and nothing happened. I kept calling them over the course of months wondering what happened to the equipment. Then in XX/XX/XXXX I was on the phone with an XXXX manager who finally said that there was a missing piece of information on the equipment as it was lost the entire time! So there was never a chance to get the bill lowered to the correct amount.The XXXX manager explained to me to just pay off the amount as I was trying to buy a house and to dispute it afterwards. I received a paid in full letter from XXXX. 

I believe that this debt, which was promised would decrease to the correct amount, is wrong. In addition the missing equipment that I returned is no longer in my possession and was misplaced by XXXX which led to the delinquency in my credit report. I am seeking to have it deleted as the debt was paid with harm to only myself.
Product: Mortgage

We have contacted you in the past regarding Ocwen Loan Servicing. They continually add an escrow onto our account which we have never wanted nor authorized. After the CFPB contacted them, they promised the problem was fixed and we would n't have this problem again. Well, this month they have added an {$840.00} escrow onto our account. We pay our own insurance and taxes. They are trying to tell me that it can not be taken off and that we have to pay the XXXX and submit a request for a refund. I told them I will not pay a dime that I do n't owe them. Please help me with this situation. I feel like Ocwen is trying to purposefully cause me to fault my loan and cause me to lose my home for their financial gain. My name is XXXX XXXX XXXX, Account # XXXX, address XXXX XXXX XXXX XXXX. XXXX, SC XXXX last XXXX of ss # is XXXX. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to validate this account. It is not acceptable to treat this reporting account as unverified information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Student loan

I attempted to pay off my student loan with Sallie Mae. During this process I used the system to view the current balance/payoff amount of my loan and checked that option on the payment form. I specifically chose this option and not Last Statement Balance since the statement balance may have possibly been not current. After submitting the proper amount for the current balance/payoff amount the institution billed me for additional expenses. There was no disclaimer or information shared with me that they would process any additional charges and since I selected to pay off the loan it, to my knowledge, payed off the full loan.
Product: Vehicle loan or lease

I financed a car with Ally Financial back in 2013. Due to being charged higher interests rates due to discrimination about my race I was advised of a settlement that would help me pay off the vehicle. The vehicle was repossessed due me losing employment. With the payments being over {$500.00} I was not able to afford it. The car was originally marked at {$17000.00} the dealer said with taxes and all fees the car came up to {$32000.00}. We thought the dealership we went to had the best interest for us. but unfortunately we were charged higher interest rate and a higher ' mark up ' due to being XXXX. The lawsuit payout was {$100.00} which didn't really help the fact that I was overcharge. Today my father is currently having his wages are being garnished and soon mines will be too. We requesting making payment instead of having our payroll garnished and have been declined. The last year and a half we have been in a financial burden with bills and looking for a vehicle due to the discrimination that this bank has done.
Product: Credit card or prepaid card

I have two interest free promotional balances on my account one due in XXXX of 2022 and one due in XXXX of 2022. I called a customer service representative to ask if I could make a specific payment to pay off the balance that comes due in XXXX and she told me I could. So I allowed her to take the money out of my banking account to pay that off. 
When I checked my statement it showed that they split the payment between the two balances and the one for XXXX was not paid off as I was assured it would be. 

I called them today and they told me that is how they do it. It did not say that on my agreement, she says that is how they do it and thanked me for my call. Had I known that that was the case I would not have bothered paying the additional {$2100.00} to pay that balance off. When I called again they said that there was no one else that I could talk to about the issue. I think that when the representatives of a bank tell you that you can do something that they should stick by their word and that the bank should use that money as it was agreed.
Product: Debt collection

This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.
Product: Debt collection

I am submitting a complaint regarding a wrongful debt collection issue involving XXXX XXXX and the XXXX XXXX in XXXX, California while being a masters student. I changed my mind after touring the apartment and did not continue filling out the rest of the paperwork on XX/XX/2024. I received an email from XXXXXX/XX/XXXXDebt Collector/ XXXX on XX/XX/XXXX stating that I owed a {$330.00} close-out debt for a lease at the XXXX XX/XX/XXXX. However, I have never lived at this property, nor did I finalize a lease agreement with them. In fact, I changed my mind and canceled the lease paperwork within that hour of touring it, and the front desk staff at the XXXXXX/XX/XXXX confirmed that I could dispute any related charges and would be refunded application fees. Despite this, my application fees were never refunded, and I had to personally dispute those charges with my bank. Now, I am being wrongfully charged for a debt that I do not owe by XXXX XXXX. When I contacted the XXXXXX/XX/XXXX, I was informed that the property had been sold to XXXX, and they claimed they could no longer assist me, referring me to CFPB for help. I am extremely frustrated and confused as to why this debt is being pursued against me when I was explicitly told that I did not owe anything. I request that you investigate this matter and provide a debt validation form for these records. I want to take every possible step to clear this debt, as I believe I am being unfairly charged after choosing to lease an apartment outside of XXXX. Please let me know if you need any additional information regarding my case. Thank you in advance for your assistance.
Product: Debt or credit management

XXXX XX/XX/year> Lexington law firm took money out of my account and never helped me fixed my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife tried reaching out to Equifax to remove a freeze we placed on her credit from when they mishandled our information and they were hacked in XXXX. 

When we called the consumer line, the auto verification process wont allow her to get through. We tried 5 times ... each taking many minutes, and getting the we cant immediately verify your information. Please complete this request online. 

Great ... so we go online and go to set up an online account. It states weve created an account previously and to recover it. 

Then when we try recovering, it states There is not account matching this information - please call in To get an agent on the phone it is required that you pass their auto verification check. 

So I go through the process with my information. I finally get through to an agent. I tell him the issues were having. 
His XXXX is absolutely terrible and I have to explain my issue many different ways. 

He responds thats a common issue were seeing with the online accounts. Im going to transfer you. 

He doesnt transfer me. He puts us back in the queue. We have to go through it again and start over. 

This time when I try to auto verify my information, it says that we cant process the request and would need to complete it via mail or fax. 

When I go to the equifax site, there is no place to complete the process that way or find any forms. It simply tries to get us to register for an account, putting me back in the same loop. 

It is absolutely astounding that such an incompetent agency is in charge of the credit for millions of us. 

They messed up with mishandling our information, and for some reason were unable to make any progress when reaching out to them.
Product: Mortgage

Our home in XXXX XXXX California was destroyed by fire on XX/XX/XXXX. Since that time we have worked extensively with the insurance company and Flagstar Bank. 

Now the home repair construction is complete and the inspection results by the bank exceed 95 % completion. According to the bank 's procedures they must release all the funds so we can pay the builder and gain occupancy. 

We sent the final payment from the insurance company to Flagstar on  XX/XX/2019 by over nightmail with a return overnight mail envelope as specified on their website. They cashed the checks ( 1 for {$23000.00} and another for {$5000.00} ) on XX/XX/2019. Despite seven phone calls since XX/XX/2019 and receiving promises they would send the funds in the next couple of day at the end of every phone call, the money has not been sent as of XX/XX/XXXX. Just today we received a promise the funds would be sent on Monday XX/XX/XXXX. 

We have made commitments to propective renters to make the house available but we can not go forward until the builder is paid. Would you please see if there is any way that you can convince Flagstar to move forward with disbursement of these funds?
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX I am the owner of my Venmo acct, with routing numberXXXX ; an account number:XXXX. My account was frozen for zero reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been mailing written correspondence to Experian since XXXX of this year and as new inquiries appear on my credit report that I am not aware of authorizing. Unfortunately, there has been absolutely XXXX progress or traction regarding my written requests. 

The lack of action is very similar to when I was trying to update my personal information via their consumer portal at Experian.com. It is a dead end every time, and I am unable to sit on hold and wait for someone to answer. 

The climate surrounding the XXXX fiasco, has me very leery of just how seriously these folks take consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did it provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any of the previous transactions by me the consumer. 
Account name -XXXX Date of INQUIRY XXXX Actions taken- identify theft report filed, multiple disputes filed with both lender and credit bureaus. I am requesting under the law that this account be removed and blocked from my consumer report four business days from the reception of this letter
Product: Credit reporting or other personal consumer reports

these are unauthorized inquiries on my credit report from the following companies that i would like removed. information as follows cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Back in XXXX XXXXXXXX was offering something called a debt cancellation clause. It is completely different from gap insurance or any other XXXX warranty that they provide. 

At the moment, XXXX took full payment for my debt cancellation clause Now, when I am trying to use the debt cancellation clause, which they took payment for they are denying it. 

My son purchased a XXXX XXXX from the same dealership a couple years after And we noticed that it is the same agreement and that they no longer offer the cancellation clause for vehicles that are being financed. 

It is very obvious that this is a product for the product that they used to serve and are no longer doing it. 

Unfortunately, they told me that if I ever needed exercise, I would need to purchase it. It was completely optional, and I still made payment for it just in case something ever happened in the future now that I am trying to exercise the debt cancellation clause, XXXX wants to act like it doesnt exist, but it is clearly stated inside the contract.