23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took out a loan from XXXX in XXXX. With poor credit I didnt have too many borrowing choices, and the loan was at a very high percentage rate of around 120 % interest. I was in a bind ready to lose our home. Husband was laid off and out of work longer then expected. He did eventually find a job and I made my repayments back to XXXX every month until my husband was laid off again. I talked with XXXX to explain that our income went back down and I wasn't able to continue with the high payments. I asked if they could work with me. They could not. My account was sent to XXXX XXXX   out of New York and they offered a settlement amount. I agreed to it and started making payments. I lost my job in XX/XX/XXXX and haven't worked since and my husband took to driving out of state in a big rig to earn money. I tried to keep up my payments with XXXX XXXX and was working with XXXX. Unfortunately due to financial burden I just couldn't keep up and I missed a payment XX/XX/XXXX. This is where the trouble began. XXXX started some type of background check to see what assets I have. She is calling family members and my ex in laws looking for information, even though she has been in contact with me. She stated that they were going to investigate me and my husband so that they could put a lean on his truck and file a court order to garnish his wages. I offered to pay them the missed payment along with XXXX payment but she was not having it and got rude with me. She transferred me to a floor manager by the name of XXXX XXXX and he stated that I only have 24 hours to come up with the settlement of {$3200.00} or further action would be taken to get all the money that was owed from original loan of {$2500.00} plus the 120 % interest along with any court fee costs. He sent me a letter and suggested me to take out a consolidation loan. My credit score is only allowing me few options and it's very stressful knowing I have no way of meeting their demands within the 24 hour time frame they have given me. I am upset that they have had contact with me but yet XXXX continues her investigation tactics and is calling family and ex in laws looking for information or giving them my personal information to verify. She is being dishonest by telling them I gave her permission to call when that is an absolute lie! .when I took out the original loan I was already divorced from my first husband and would not have any reason to give his or his moms information on the loan documents. XXXX is looking into my information and calling people that have nothing to do with this matter. I want it to stop and the threats to stop. I tried to work with them before and still am. I was willing to still make monthly payments and had only missed one payment. This company is breaking the law and I have rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS OR PERMISSION. 

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Product: Mortgage

In XX/XX/XXXX I passed the MLO test to become a mortgage loan officer. After I applied to the NY State Department of Finance for my license they came back and said that there was a charge off from Bank of America from XXXX on my credit report. In order to get approved and obtained my license I need a letter from Bank of America with my account number on it that states this loan is paid off or I am working to resolve this issue. I have been calling Bank of America since XXXX in order to obtain this letter. Because the account was charged off in XXXX no one can pull the account so I get transferred to someone who can pull the account up in their old system. When I speak to that person they tell me that the account is closed and already paid off and they will submit the request for the letter. I have not received a letter. I have sent in written requests for the letter and never received a response. One representative told me that I needed to start making payments. I told them I was willing to set up a payment plan and they said we don't do that. I then said what if I make a {$1000.00} payment can I have a receipt or letter showing that I am working on resolving this issue, they tell me no we don't give receipts. I was also able to obtain the lien release from the State of New York. When I tell Bank of America I have a copy of the lien release they tell me yeah we see it but I can't help you. I have been transferred to every department, I have 13 different case numbers. When I give them all the case numbers they say they can't see them that I must have made these requests online. I tell them I have never submitted a request online and I give them names of people I speak with. They tell me " well we are all over the country so I don't know ''. If I do get someone who can see my account they tell me that they see the lien has been paid off they have the lien release and oh you will get a letter in 24 hours. I still haven't gotten the letter. The account is closed, the lien has been paid. I had 90 days to get this letter and my time is running out. I have spent hours on the phone, written multiple letters and Bank of America will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls I had only a XXXX credit line I didnt go over that but closed the account. They list in my report I am 195 % credit usage adding their fees above my XXXX limit as usage. Which is incorrect they have that my past due amount is {$580.00}.
Product: Debt collection

I receive about 8-9 phone calls a day from the same third party debt collector. Even tho I haven told them multiple times not to contact me about old debt
Product: Student loan

Before AidVantage, my payment was 1/4 of the payment that AidVantage is suggesting. 
The payment suggested is ridiculously, and unreasonable, and not managementable. No reasonable alternative is offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint with the help of the CFPB to dispute the fraudulent items I found being reported on my Credit File. Upon reviewing my records, I have come across several accounts and information that I am unfamiliar with and do not recognize as my own. While I am unsure whether this constitutes identity theft, I believe it is crucial to address these discrepancies promptly to ensure the accuracy and integrity of my credit profile. I kindly request the Credit Bureausr assistance in investigating and removing the following unauthorized accounts and information from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is the Credit Bureausr legal obligation to ensure that any unauthorized and unfamiliar accounts and information are promptly removed from my credit file.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law. 
When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX 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: Checking or savings account

I lost my wallet and phone at a XXXX XXXX XXXX XXXX. I didnt notice until it was too late and had over 22 charges totaling over XXXXXXXX XXXX. I called Wells Fargo and they cancelled my card and said they will be investigating but to call back after they are done pending to get a provisional credit. I called back and they issued be one XXXX XXXX provincial credit and said they others werent posted yet so Id have to call back again. So I waited and called them back when all the transactions were posted. They then informed me that the lady before that gave me the XXXXXXXX XXXX provisional credit shouldnt have gave it to me and that I had to wait 10 business days to get an answer. I called Friday on the XXXX XXXX XXXX exactly 10 business days and they told me that I would get a call by the end of the day about my claim. It is now Monday the XXXX and I didnt get a call back so called them again. They kept on giving me the run around saying that they will escalate the claim and that I should Have an answer by the end of the day today. Also one of the ladies there said since I already gotten an accidental provisional credit of XXXX XXXX that now it extends the timeframe to 90 days which I dont know how true that is or not.
Product: Debt collection

XX/XX/XXXX I pulled my bureau report and found that XXXX XXXX XXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$470.00}. I sent a request for PRA to complete the enclosed Debt Collectors Disclosure Statement ( DCDS ) as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a XXXX request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I was expecting money to be deposited in my bank account My email address XXXX from Zelle informed the money will be deposited to a XXXX XXXX account which I DID not have a XXXX XXXX account. The senders sent the money through Zelle. I received an email from Zelle that XX/XX/2019 XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) sent money will be deposited in XXXX XXXX account. The problem is I do not have a XXXX XXXX account. I have an online XXXX XXXX account. I contacted Zelle and someone informed me that XXXX XXXX has a link to my email. I informed Zelle that I do not have a XXXX XXXX. The money that was sent from the two individuals was sent to a XXXX XXXX account that I do not have. My email address XXXX XXXX XXXX is being used by someone name XXXX with the last account number XXXX from XXXX XXXX who I do not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has clearly violated my rights! 
15 USC 1692b Acquisition of location. 
Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692c ( a ) Communication in connection with debt collection Without prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer with the collection of any debt- 15 USC 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( causing XXXX XXXX with the constant call and threats of litigation ) 15 USC 1681 Section 604a Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX, EQUIFAX, and XXXX was not given instructions from me, the consumer, to furnish my account ) 15 USC 1681 section 604 a. States i have the right to privacy. ( Something that has clearly been violated ) Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit file, that do not belong to me, My Identity was stolen. these fraudulent accounts were made thru Identity Theft, I have a mortgage pending, that is when I found out about these accounts on my credit file. they were not authorized by me. I found out that I was also in a data breach with Equifax. Equifax has had so many data breaches, yet they refuse to help consumers in regards to Identity theft.
Product: Credit reporting or other personal consumer reports

I have spent countless hours this week since Sunday XX/XX/24 trying to find out from Equifax why my lender can not get my credit score when they pull my credit. They are able to see the report and everything on it however, Equifax is not providing them a score so they can not approve a loan for me until it is resolved. This has resulted in lost deals on purchases that I've wanted to make and is totally unacceptable. Every time I've called the representatives are extremely unhelpful and are clueless on how to help. I've escalated to a 2nd supervisor tier and being told the same thing that they don't know what's wrong and there's no one else to talk to about it. I would like to get this corrected immediately or find out if I can take legal action against Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeLease ResponsibilityIndividual Date OpenedXXXX StatusPaid in settlement. {$1000.00} written off. 
Status UpdatedJul XXXX Account NameAD XXXXXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date Opened08/30/2019 StatusCollection account. {$490.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Account NameXXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusClosed.

Status UpdatedXXXX XXXX Account NameXXXX XXXX XXXX XXXX. 
Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$810.00} past due as of XX/XX/XXXX. 
Status UpdatedOct XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeUnsecured ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$240.00} written off. {$260.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$220.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$550.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX Account NameXXXX XXXX XXXX  Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$2100.00} past due as of XX/XX/XXXX. 
Status UpdatedNov XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeNote Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$630.00} written off. {$830.00} past due as of XX/XX/XXXX. 
Status UpdatedSep XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$570.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeEducation ResponsibilityIndividual Date OpenedXXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeEducation ResponsibilityIndividual Date OpenedXXXX StatusPaid, Closed. 
Status UpdatedApr XXXX Account NameXXXX XXXX XXXX XXXXI Account NumberXXXX Account TypeEducation ResponsibilityIndividual Date OpenedXXXX StatusTransferred, closed. 
Status UpdatedJun XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$450.00} written off. {$620.00} past due as of XX/XX/XXXX. 
Status UpdatedDec XXXX ***please remove all accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ***remove above incorrect names and phone numbers not mine, FCRA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed accounts do not belong to me : XXXX XXXXXXXX XXXX. Open date XX/XX/2023. XXXX {$23000.00} XXXX. Open date XX/XX/2023. XXXX {$16000.00}
Product: Credit reporting or other personal consumer reports

I sent a formal letter stating how they were including the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws, specifically, Section 607 of the Fair Credit Reporting Act, Compliance procedures [ 15 U.S.C. 1681e ], ensure that bureaus report only XXXX % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Pursuant Section 611 in the Fair Credit Reporting Act, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], inaccurate or unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. I respectfully asked the following accounts be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature ; or be removed from my report. 

XXXX. XXXX XXXX I Inaccurate or Unverified Account XXXX. XXXX XXXX Inaccurate or Unverified Account XXXX. XXXX Inaccurate or Unverified Account XXXX. XXXX XXXX Inaccurate or Unverified Account
Product: Vehicle loan or lease

Since XXXX, been trying to get the title to the tag office. Leased the car from American Car Center and company went bankrupt. Westlake Financial took over payments with no title. Car has never been registered bc of the title. Westlake won't give answers and won't come get the car. Westlake cut the car off and locked it, but we ca n't drive the car. Payments have been made on the car, but no communication on how to satisfy the situation has fallen on death ears to include our local tag office and the state office.