23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.
Product: Debt collection

NARRATIVE I am filing this report to formally document the theft of my identity and the subsequent fraudulent activities that have severely impacted my financial standing and reputation. Over the past several years, I have become aware of unauthorized and false information being reported on my credit report by various credit bureaus. I have not given consent for these activities, and they have caused significant harm to my credit rating and personal reputation.

The following unauthorized actions have been observed : 1. **Unauthorized Credit Inquiries : ** Numerous credit inquiries have been made without my knowledge or consent. 
2. **Fraudulent Accounts : ** New accounts have been opened in my name that I did not authorize.

3. **Incorrect Personal Information : ** My personal information, including my address and employment details, have been altered inaccurately.

4. **Unapproved Transactions : ** There have been multiple transactions and charges on my existing accounts that I did not make.

5. **Unauthorized Reporting : ** There are numerous accounts being reported by credit bureaus without my consent.

These fraudulent activities have resulted in : - A significant drop in my credit score.

- Denial of credit applications and loans.

- Damage to my personal and professional reputation. - Emotional distress and financial hardship.

Upon discovering these discrepancies, I have taken the following steps : 1. Contacted the credit bureaus ( Experian, XXXX, and XXXX ) to dispute the unauthorized entries. 2. Placed a fraud alert on my credit reports. 
3. Contacted my financial institutions to report the fraudulent activities and secure my accounts. 4. Filed a complaint with the Federal Trade Commission ( FTC ).

5. Filed a complaint with the Consumer Financial Protect Bureau ( CFPB ) I am requesting a thorough investigation into this matter to identify the individual ( s ) /credit bureaus responsible for these fraudulent activities and to take appropriate legal action. I also seek assistance in rectifying my credit report and restoring my financial standing. 
I am willing to prosecute.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, Equifax, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion LLC utilizing the format / template provided by the CFPB for disputes and although i provided all the required information they stated over the phone that they could not find me in their system because I did not provide a file number that i did not know about. However in the letter they sent me they stated I did not identify myself correctly and they were not going to process my claim/ dispute.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$810.00} XXXX XXXX XXXX - XXXX - {$1400.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX : We understand you have requested that Bank OZK ( Bank ) cease further communication with you ; however, in accordance with your request, please see the information below. 
The Bank mailed a check to you in the amount of {$100.00} via XXXX  ( tracking number XXXX ) dated XX/XX/2022, with a signature required ; however, the package was returned to the Bank after several unsuccessful attempts at delivery. We have sent the check again via XXXX ( tracking number XXXX ) and have been notified that it is being held at the XXXX facility located at XXXX XXXX XXXX, XXXX, GA. If you are unable to pick up the package at the XXXX  facility we will recall and send via United States Postal Service ( USPS ) certified mail. With receipt of the check through XXXX or USPS, the Bank considers the matter closed. 


You are going to recall you check and send it by USPS or I will show you how much further I can escalate this. Stop playing around, you didn't send it to a XXXX  location 12 miles from my house with 2 closer locations and I didn't ask for it to be picked up I have no, repeat, ZERO obligation to drive 12 miles away to get my check your employee 's are just careless imbeciles. Now send me my check or I promise you that this will get much worse, and very legal, and very expensive for your bank, very very fast, I am tired of your endless lies, fraud, incompetence, and the silly ego exuding from every message you send by clearly a pack of clowns who can not even send a check in the mail without melodrama.
Product: Debt collection

Back in XX/XX/XXXX, I settled an old collection account I had with XXXX XXXX XXXX. Two months have passed, but the companies will not allow this account to update as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Financial Protection Bureau, CFPB, and Federal Deposit Insurance Corporation, FDIC : XXXX XXXX is NOT IN COMPORTMENT WITH FEDERAL REGULATION 15 USC 1692. XXXX XXXX has embezzled and misappropriated funds and are resorting to extortion to collect on FUNDS I DO NOT OWE THEM BY WAY OF ADVERSELY AND NEGATIVELY AFFFECTING MY CREDIT. XXXX XXXX NEEDS TO CURE THEIR BREACH. ALL PAYMENTS FOR ( MY XXXX ) XXXX WILL BE PAID TO XXXX COUNTY STATE COURT ( CRIMINAL DIVISION ) AFTER BREACH IS CURED. 

XXXX XXXX AND its AGENTS HAVE BEEN WARNED TO NOT STEP FOOT ON PROPERTY LOCATED AT XXXX XXXX XXXX, XXXX, GEORGIA XXXX-XXXX. IF THEY DO, THEY ARE CRIMINALLY TRESPASSING AND WILL BE DEALTH WITH ACCORDINGLY. THEY HAVE BEEN ADVISED TO CEASE AND DESIST WITH ANY NEGATIVE, ADVERSE, CREDIT REPORTING. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unequal treatment of XXXX XXXX  consumers in the credit reporting process and the violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I have been a victim of TransUnion 's failure to comply with the FCRA and its obligations under the law to ensure the accuracy, completeness, and confidentiality of the information they provide, as well as their failure to comply with the Metro 2 format and the procedures outlined in 15 U.S. Code 1681i in case of a disputed accuracy. Despite my efforts to have the inaccuracies on my credit report corrected, TransUnion has failed to take any action and has violated my rights under the FCRA. I believe that the unequal treatment I have experienced in the credit reporting process is unacceptable and I am seeking the assistance of the CFPB to address this matter.
Product: Vehicle loan or lease

This company have been a nightmare since the contact opened in XX/XX/year>. But my car was repossessed okay thats fine. & after they backdated dates to get away with selling the vehicle & I could not redeem it because they did not and still to this day will not talk to me about this account. Ive called today to discuss a billing error and for them to send me documentation of payments & a balance statement. They put me on hold for XXXX minutes and came back and said our management team said we sent documents out before well send an email but they said management said were not sending nothing else out have your attorney contact us. I do not have an attorney. I asked to speak to a XXXX and they put me on hold for XXXX minutes again then the phone disconnected. This is the third time Ive inquired about such information and they refuse to speak to me or mail anything out. & they said theyll email me the the contract but nothing else. I asked for the account statements of all payments made & last payment & also a printed contract & all other information pertaining the loan because of a billing error i suspect. But theyve been denying me for a year now. & today I called again. It is my consumer right to that information as it pertains my private information there is banking laws that states I have rights to documentation from an account and which Ive disputed or believe there is an billing error. & theyve emailed the contract to be in the past but its yellow highlighted that covers the words in a lot of the paragraphs away so it only shows me certain parts of the contract. Seems fishy too like theyre hiding the or misleading me or furnishing a false contract of mines. 

I can not see because of my blurry eye problems that medically have. I can not look at a screen for long. It will burn my eyes and cause me to feel dizzy, headache & strain in my face which hurts alot. Please work with me as I am asking nicely. Non compliance is violation & also XXXX become discriminatory as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I filed a complaint with cfpb ( complaint # XXXX & # XXXX ) regarding an unauthorized credit inquiry from multiple finance companies at XXXX XXXX in XXXX XXXX CA. On XX/XX/XXXX, they ran my credit without my permission, and I was not there to purchase a vehicle nor co-signing for anyone. I was with a family member, XXXX XXXX, who had a pre-approval letter from his personal bank, XXXX XXXX, which was presented to the salesman and was verified by his finance manager. The salesman said they needed a contact person 's information for backup. So, I gave him my ID. He and his manager took it upon themselves to run my credit as if I was going to co-sign for my son. All this happened on XX/XX/XXXX. The salesman brought back a re- written contract with a higher interest rate of 15 % and {$900.00} for the monthly payments. I immediately told my son not to sign that paper. We told the salesman what he did, and we excused ourselves and left. At least a week later, I decided to check my credit report, as I do on a regular basis, and noticed that I had XXXX hard inquiries. I was devastated. Once I figured out what had happened, I contacted the dealership, and they told me they could do nothing and it will come off in 2 years. They missed the whole point. I never applied for credit with any of them, and they definitely did not have my permission to do so. l never filled out anybody 's credit application nor did I sign anything. XXXX of the XXXX finance companies who unlawfully ran my credit without permission were XXXX XXXX, and XXXX XXXX are still on my credit report. The action has tainted my credit in a very negative way. 15 U.S.C. 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 states that in accordance with the Fair Credit Reporting Act, these creditors have violated my federally protected consumer rights to privacy and confidentiality. See my son, XXXX XXXX 's approval letter attached.
Product: Credit reporting or other personal consumer reports

I Demad a removal of inquires that was not made by me I have recently applied for a credit card and was denied because of inquiries please remove with 5 business days thank you EQUIFAX 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 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 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 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 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 SECTION 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) of the United States Code states that a credit reporting agency may only furnish a consumer report under specific permissible purposes. These inquiries were made without my consent and are in violation of this statute
Product: Credit card or prepaid card

There is a false charge on my Discover account that Discover has failed to investigate for over a year. I have reached out weekly for the last year to Discover and have not gotten a SINGLE response back - phone call or email. They have not provided me with a single line of text or anything in regards to this false charge. IT IS THE 3RD FALSE CHARGE WITHIN A YEAR. The other 2 I paid because it was so hard to reach Discover. The third one is a much larger amount and enough is enough. 

While customer service can't call me back, they have " debt collector '' numbers that call at all hours of the day and night. The last one I answered and explained the situation and they said they would transfer me to another department. I waited on hold for half an hour. No one answered. They said their systems were down and someone would get back to me the same business day. Of course no one did. 

The current call CAME IN AT XXXX XXXX XXXX XXXX XXXX XXXX. I again explained the situation and they said they would transfer me to the right department. I have since been on hold for over an HOUR. 

Discover makes it impossible to reach anyone to resolve a dispute or fake charge. I have NEVER CARRIED A CREDIT CARD BALANCE IN MY ENTIRE LIFE OR EVER BEEN LATE WITH ANY PAYMENT, EVER. My credit score is XXXX, near perfect, and Discover is trying to tarnish that. This is the ONLY WAY THEY CAN MAKE MONEY OFF PEOPLE LIKE ME WHO ARE RESPONSIBLE AND DON'T HAVE CREDIT CARD BALANCES. 

I urge bureaus like this one to investigate these criminal practices of stealing hard working people 's money as they are doing. I ALREADY PAID TWO FAKE CHARGES ON THIS ACCOUNT, I AM NOT PAYING A THIRD NO MATTER HOW EARLY IN THE MORNING YOU CALL ME AND REFUSE TO TRANSFER ME TO THE CORRECT DEPARTMENT AND CLAIM YOUR SYSTEMS ARE DOWN SO SOMEONE WILL HAVE TO CALL ME BACK AND NO ONE EVER DOES
Product: Mortgage

Due to COVID assistance I filled for a mortgage assistance. After speaking to a representative they told me to complete the forms sent and return in the pre addressed XXXX XXXX envelope provided. I followed the instructions provided. I received a call from a representative asking if I sent back the notarized form. I told them yes, they said we didn't receive it. Then they said they would research. Then I received another call from a different representative saying the same thing basically calling me a liar that I didn't do what I said I did. In between the calls I received paper work from a title search company with a copy of the papers Loan depot said they didn't receive. I called that company and they said they got the papers from them loan depot. 
Mean while I am making my mortgage payments and receiving fees for " late payments '' because they have not serviced my loan. I received another call last week from a representative saying the same thing.. they didn't receive and basically calling me a liar again. I'm being harassed for an internal issue they have regarding servicing my mortgage and being charged late fees for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$740.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

There appears to be accounts on my credit report that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} is not charge off to me. My record shows that this account was Paid as agreed and Balance is XXXX. Please correct this account immediately.
Product: Vehicle loan or lease

I have lese a car in XX/XX/XXXX from American Honda finance corporation.in XX/XX/XXXX I have surrendered back the car to the dealership because I was behind on a payment and they keep calling my job and my co worker and manager keep knowing that I was behind on my payment.i felt badly but most of my co workers understand because we work at a car dealership and sometime it gets slow.The boss get me a little XXXX  car and I pay him montly for that one. In XX/XX/XXXX I have been contacted by XXXX XXXX XXXX XXXX   and they told me that they have my account at their collection dept.and they told me how much it was and they asked me if I wanted to set up a payment it could be any amount, i would have to pay {$7.00} plus that amount to the account.I make arrangements to pay $ XXXX month to my account, so all together I pay {$57.00} every month until I get a letter from American Honda finance stated that they no longer work with XXXX so I must pay them that {$50.00} every month.I stated to pay American Honda finance since XX/XX/XXXX, first they sell my account to some place I can't remember, they call me I have your account I said what account, they told me American Honda finance sell them my account I told him I pay my bill.i call American Honda finance and told them I was going to complain to you guys and they keep the account and I still pay them.my big problem is I have been always getting letter that I haven't pay them, I call them all the time I got those letters and they told me that they are going to update their system and I don't have to worry but XX/XX/XXXX they reported incorrectly to the credit bureau taking 40 points from my credit and I trying to buy a house.i call them and they said they are going to send to XXXX  I call them dispute it.today I see my XXXX report miss pay so I call American Honda finance the lady told me I have money for her from XX/XX/XXXX. what can I do.
Product: Payday loan, title loan, or personal loan

Every month I pay My care credit early, as soon as I get paid. I paid XXXX on XXXX and have been on time every single month. Well my XXXX payment came and they said I have a late fee and need to pay XXXX. I have called them immediately trying to dispute how this is possible if they saw on their end I paid each month on time, they verified the information was indeed correct. However their billing cycle from the 1st to the 3rd any payments that get in by that time will be applied to the previous month. Now I have went over the entire contract and no where does it say a customer paying more of the amount requested is not allowed to pay their bill early. Well long story short they said there was nothing they can do on their side. I spoke with the supervisor, manager, and even filed a complaint to billing because thats all they can do. They want to keep adding to my late payments and I do not think its fair as a company to do that to a customer who has been more on top of her payments, have paid early and never missed a payment. They should be able to fix their mistake and take off my " late fees '' because I was early for each month.
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 XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX 15 U.S.C. 1961 Section 602A States I have the right to privacy. 
15 U.S.C. 1961 Section 604A 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.