23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I filed a complaint against XXXX, they called me and told me that they had pulled my credit report an were collecting for Westlake Financial ( complaint number XXXX ), who I do n't have a contract with or have n't herd from in almost a year. You wrote me back and said the company was getting together paperwork and would respond in 60 days. Yesterday, I got a letter from them with a contract for another company, and they are still trying to collection. I am continuing my dispute with them. I am using this way to contact you because Ica n't log in and the phone number in your email does n't work.
Product: Debt collection

XXXX has filed bankruptcy and allegedly sold debts to SST. Nowhere did I agree to paying SST, nor did I sign anything stating the debt would move to a collector and be obligated to pay. The bankruptcy filed relinquished me of all debt after services are no longer being rendered by XXXX. SST further violated my rights without agreement or consent to ach payments that I recently learned about that has been coming out of my account since XX/XX/year> to XXXX XXXX.they also only took enough yo cover what looks to be the interest being {$410.00} a month that never even touched the principal amount. The practices this company make are not only predatory, they are illegal. Please investigate further. If bank records are needed I will provide.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. They are reporting a charge off on several accounts that have been closed without my consent. That debt then became a credit tax write off for XXXX XXXX and is now taxable income for me. However I have NEVER received a 1099C cancellation of debt form from XXXX XXXX for anything they are reporting and this is inaccurate and should be removed. The cancelled debt is being filed on companies taxes and also reporting on my credit report as a debt. This is a violation of 15 USC 1681 eb as there should be maximum accuracy on the consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent {$360.00} sending dispute letters ( 609 fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ). I am asking them to verify the collections on my account with an original signed signature from me to prove those collections are mine. They have failed to do so and i have 4 return receipts from each credit bureau with there stamp on it to prove they have received my letters in the mail. 

Dates they received my letters below : Equifax - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Midland Credit Management for committing identity theft. I have never given Midland Credit Management any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Midland Credit Management before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

On internet advertising by XXXX XXXX terms of purchasing indicated 0 % interest for 48 months. XXXX  was {$1800.00}, terms {$39.00} a month for 48 months. Terms are rounded up to the even dollar. After reaching agreement to purchase said XXXX  on condition I get the no interest plan, I was referred to Synchrony bank to make application for the credit card necessary to obtain the above-stated terms. I was denied the card. I had been previously approved by them for a card in the purchase of a {$3900.00} guitar on similar terms. I cancelled that card because the guitar was backordered and Symphony would not guarantee the 48 month no interest terms at a later date. In my shopping, I see that Synchrony and most other national musical instrument retailers are advertising similar terms. 
Three days ago, I obtained my own credit report, which indicated more than 20 years of credit card purchases and mortgages. There are absolutely no defaults in payments in my history. I have always paid by credit card monthly balance in full, never using the bank 's high interest rates.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information contained in my credit report, as provided by your agency. I have identified specific items that are inaccurate, outdated, and unverified, which are adversely affecting my creditworthiness. 
15 U.S.C. 1681i ( a ) ( 1 ) : You are required to conduct a reasonable reinvestigation of disputed information within 30 days 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If information is found to be inaccurate or can not be verified, it must be promptly deleted or modified, and you must refrain from reinserting such information unless the furnisher certifies its accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : You are obligated to provide me with a written notice of the results of your reinvestigation, including a description of the procedure used to determine the accuracy and completeness of the disputed information.
Product: Vehicle loan or lease

For nine ( 9 ) years I have been fighting with Honda Financial Services to send me the title to my XXXX XXXX. I leased the car in XX/XX/XXXX. When the lease was up after 3 years, instead of trading it in, I opted to buy the car. In XX/XX/XXXX, I paid off the car. 
Since then, I have tried numerous times to obtain my title. I have sent back the odometer statements all to no avail. 
In XX/XX/XXXX, HFS attempted to bill me for registration in VA even though 1 ) my loan was paid in full, and 2 ) my car was registered in FL for over a full year at that point.

I faxed them asking AGAIN for my title and to have them remove the charges they erroneously billed me. Still no title. 
I have sent multiple odometer statements. No title. I have tried the DMV, mytitle, no luck.

I held up my end of the bargain. Why cant Honda do the same?
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I request the immediate removal of this unauthorized entry from my credit report, as it is not associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter in the mail from credit acceptance they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX bank in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Debt collection

THIS 3RD. PARTY VENDOR NAMED RESURGENT CAPITAL SERVICES BOUGHT AND OBTAINED AN OLD BANKRUPTCY CASE FROM XXXX  XXXX  DATED FROM XX/XX/XXXX THIS ACCOUNT WAS CHARGED OFF ON XX/XX/XXXX AND THE CHARGE OFF DATE WAS XX/XX/XXXX, THE AMOUNT OF THE DEBT ASSIGNED WAS {$660.00} ACCOUNT NUMBER ENDING IN XXXX WITH AREFERENCE NUMBER OF XXXX, ALSO THEY BOUGHT ANOTHER ACCOUNT ACQUIRED ON, DATED XX/XX/XXXX CHARGE OFF AMOUNT WAS {$660.00} CHAGED OFF DATE WAS XX/XX/XXXX, ORGINAL CEDITOR DATE WAS XX/XX/XXXX ; THIS RESURGENT CAPITAL FAILED TO ABIDE THE CEASE AND DISIST LETTER SENT OUT XXXX, THEY CONTINUE TO HARRASS ME ABOUT ANY DEBTS THEY BROUGHT OR OBTAIN FOR THE SOLE PURPOSE OF OBTAINING A COLLECTION ON A DATE.
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.has violated my rights. 

Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # XXXX XXXX account XXXX : # XXXX Account name : # XXXX XXXX account number : # XXXX Account name : # XXXX account number : # XXXX Account name : # XXXX  account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # 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 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 pulled my report and still see the late payment appearing on my XXXX account I was not aware of how it has late payment when I have been always paying on time and this is a violation of my rights as per 15 US Code 1666b
Product: Credit reporting or other personal consumer reports

These credit bureaus keep violating my rights as a consumer. I've giving them multiple attempts to correct these errors. This is my final attempt at getting these items removed permanently.

According to FCRA Section 605B, it is illegal to report information on my credit report without my permission.

According to 15 USC 1681 C-2, if a block of information is declined or rescinded under the subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of the information under section 1681i ( a ) ( 5 ) ( B ) of this title. 

According to 15 USC 1692g, states that within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt, ( 2 ) the name of the original creditor whom the debt is owed, etc. 

According to 15 USC 1666b, a credit may NOT treat a payment on credit card account under an open end consumer credit plan as late for any purpose. 


Accounts to be removed : XXXX XXXX XXXX XXXX Ga XXXX ( not my address- Remove Immediately ) XXXX XXXX XXXX XXXX Ga XXXX ( not my address- Remove Immediately ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion )- Didn't receive my written consent ; the local courts acknowledge that they didn't provide this information to the data furnishers.

If these accounts are not removed immediately, I will seek civil liability damages of {$1000.00} per violation pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Equifax, XXXX, XXXX XXXX are reporting incorrect information they have allowed XXXX XXXX XXXX. XXXX XXXX XXXX. I have asked both companies for validation of these debts with the original contract and they have refused to provide the original contract proving I owe this debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I lost my phone with my Coinbase app on it with approximately {$3500.00} in my account. I contacted Coinbase and they disabled my account to prevent theft. I quickly replaced my phone and signed out of the accounts on the old device from my new phone and let coinbase know in an email on the same day I lost my phone. I was sent an email saying they'd look into it for a solution. I contacted Coinbase by email on XX/XX/2021 and they replied that they would review the situation and respond with in 4-5 days. Still I have yet to hear from coinbase or gain access to my account. Apparently this is a common problem and their customer support is non existent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in 2021. They decided to update information and report it to all credit bureaus recently. 

They are in violation of 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.
Product: Mortgage

Hello, I believe that my Mortgage Servicer, HomeDirect Mortgage, a division of BOKF, NA, committed a material servicing error by failing to calculate escrow correctly and failing to pay taxing authorities in full. I believe this error resulted in a tax lien being placed on my property. 

A notification of tax lien was received at the property address alleging that I was a chronic delinquent payee. As the notice of tax lien seemed to imply a tax bill delinquency over a multi-year period, I believe HomeDirect Mortgage is responsible as they have not calculated escrow amounts correctly or have appropriately reviewed tax assessment notifications. 

I submitted a Qualified Written Request to HomeDirect Mortgage by first class mail on XX/XX/2019.
Product: Checking or savings account

I have a checking account with Wells Fargo. 
I have requested many times verbally over the phone to decline overdraft coverage, because I can not afford the overdraft fees. But they refuse to put it in effect. The last examples I have are from XX/XX/XXXX they charged me {$35.00} overdraft fee for a XXXX  transaction. That is extremely incorrect because they will not allow a XXXX  transaction unless the funds Are available. On XX/XX/XXXX the same thing happened again, Wells Fargo charged me a overdraft fee of {$35.00} for a XXXX  transaction. I have contacted them via their phone customer service with no luck. I also spoke with branch representative on XX/XX/XXXX and was told nothing can be done. The fees are a complete ripoff.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there is an inaccurate account that doesnt belong to me. Never authorized the account or inquiry
Product: Debt collection

starting around beginning of XX/XX/XXXX I started receiving phone calls from a company called Midland Credit Management. this company has called my parents number leaving multiple messages ( I have never used my parents number for my credit applications ). I called and spoke to a representative and explained to them that they have my contact information and that they are to only call the number for me that I have on file and to not call my parents home again. now starting XX/XX/XXXX, XX/XX/XXXX and every other day from then on they have called me and told me they were going to sue me and take me to court. they have now started calling my brother starting XX/XX/XXXX and XX/XX/XXXX 8 to 9 times a day until he finally answered and they assumed he was my husband and stated they are looking for me. I called the company again and told them that they are not allowed to call every family, friend or work to state they are looking for me. I also told the company to mail me proof and documents of the account and balance as to which I have yet to receive. then I was told I was being discriminative towards him because I refused to let him get a word in edgewise and I was very upset over the harassment they are giving my family and friends. I do not know how legally they can look for anyone associated with you and continue to call them and harass them. this company has pushed the limits with harassing calls and threats of suing me. I have done research on this company and they have horrible reviews and they are considered a third party entity. This company should be addressed and shut down for the harassments and threats they have made to numerous people. I refuse to work with a company that can not prove anything about a debt or even prove that they are legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax, Equifax states to CFPB XXXX   not reporting but XXXX XXXX is stating Equifax is reporting to them and they can not remove it because they are not a credit Bureau enclosed is a letter showing that XXXX XXXX by reporting is a collection company and reporting company falls under the FDCPA and FCRA please remove this alleged account at once XXXX XXXX /
Product: Credit reporting

Filed a dispute with Equifax had some accounts deleted off my credit due to the fact that do n't belong to me ... These accounts have since been added back.. Never received a letter informing me if adding these accounts back. This is illegal please assist me in this matter.
Product: Debt collection

KIMBALL TIREY ST JOHN, account number XXXX XXXX have wrongfully placed a collection account on my XXXX XXXX XXXX XXXX  credit bureau files.I am not legally or in any way responsible for this debt.KIMBALL ... is collecting for XXXX XXXX apartments. 
I am familiar with this company because I signed a 2 year lease which was in XXXX to help my newly divorced daughter get started.Many subsequent leases were signed by my daughter at this location and that is the nature of this collection from XXXX. 
I am only legally obligated on the original 2 year lease which ended approximately 10 years ago.All real estate contracts must be in writing and I never signed any lease subsequent to the original two year lease.My credit is damaged by this error or fraud of the collection agency.
Product: Checking or savings account

I received a mailed account statement to an old address for a checking account that I did not open. I have contacted SunTrust ( Truist ) customer service to attempt to resolve the issue, and they are investigating. It is not clear to me how a banking account could have been opened with my information as a Social Security number would have needed to be supplied. This is extremely concerning
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX ITEMS IN DISPUTE : collection/charge off : XXXX XXXX XXXX XX/XX/XXXX {$58000.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1700.00} late payment : XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX inquiries XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This debt is over 10 years old. They recently started garnishing my wages and I have n't received anything indicating this was in process so could n't do anything to prevent it.
Product: Money transfer, virtual currency, or money service

COMPLAINT ID XXXX, this is our last complaint, they replied us on XX/XX/XXXX to refund our customers We have sent the information of the XXXX customers required by SIGUE COPR ( including the exact address, the amount of remittance, and the order number of the remittance at that time ) to SIGUE by email. But until now our customers have not received the refund check!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires are showing on my credit report
Product: Credit card

I was notified by my XXXX monitoring system that there was an inquiry about my credit on XXXX and on XXXX it occurred again. I contacted XXXX again, they notified me that it was a JPMB Card XX/XX/XXXX JPMB XXXX XX/XX/XXXX JPMCB CARD XX/XX/XXXX JPMCB CARD XX/XX/XXXX JPMCB XXXX XXXX JPMCB CARD XX/XX/XXXX I contacted JPMCB and directed them to remove this as it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is a valid debt. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

Account Name : XXXX Account Number : XXXX Reason : XXXX Account Name : XXXX XXXX XXXX : XXXX Reason : XXXX Account Name : CAPITAL ONE Account Number : XXXX Reason : Creditor agreed to delete Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is fraudulent Account Name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account