23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

15 U.S. Code 1692g - Validation of debts. I Am requesting proof of delivery by way of Certified XXXX mail showing my signature within five days of the purchase of the alleged debt. With out this the company Spring Oaks Capital LLC have no Validation that I in fact did receive a letter communicating my alleged debt and rights under the FDCPA and FCRA. Again i am asking for VALIDATION not verification. Please provide the receipt with my signature. It is required by law to insure consumers are notified of any alleged debt within 5 days and Spring Oaks Capital LLC has not provided this proof and validation. Also in the state of Illinois a license is required to collect a debt and Spring Oaks Capital Does not appear to have a collection license with the state of Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on my experian credit report that I did n't permit some being multiple times : XXXX XXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX XXXX XXXXXX/XX/XXXX,XX/XX/XXXX7,XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXXXXXXXX/XX/XXXX,XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates that we eliminate any erroneous accounts from my credit report. Could you review the documents? Several of the listed accounts have incorrect reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

You all reported a late payment Credit transactions are exempt from being reported to damage consumers. 

See XXXX XXXX XXXX XXXX payments are a violation of this us law and this is subject to penalties. Every company thay reports to the credit bureaus have to follow the Us consumer laws. Any type of credit transactions are excluded from being reported to the bureaus This is an {$1000.00} violation charge for this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit card or prepaid card

Consumer call credit card company to ask for copies of the receipts signed to file a police report. Consumer was told no receipts exist. This consumer states no credit card was opened and no purchases were made.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I recently discovered an account on my credit report that does not belong to me. I request that this account be investigated and removed, as I should not be held responsible for fraudulent activity. account name XXXX XXXX XXXX XXXX account number XXXX or XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Inaccurate Information and Demand for Immediate Deletion Dear Equifax, XXXX am writing to formally dispute inaccurate and erroneous information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Recent legal action against Equifax and Experian has highlighted systemic failures in accurate credit reporting, reinforcing my rights under federal law to demand immediate correction or removal of erroneous items. 
Upon reviewing my credit report, I have identified the following account ( XXXX ) that must be permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XXXX XXXX XXXX was paid off in full in XX/XX/XXXX. Nissan Finance never sent title to vehicle. Went to the XXXX to request title and was notified Nissan Finance had requested the title as a paper copy in beginning of XX/XX/XXXX to be sent to an address in California. Have called several times to resolve this. Vehicle is sold and can not complete sale as they are holding the title to a vehicle I paid for! No reason as to why this was done this way and this should be illegal! Have been told it will now take 20 business days to get the title in the mail and I have already purchased a new vehicle and can not go through with selling this one due to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PERSONAL INFORMATION THAT DOES NOT BELONG TO ME. XXXX REFUSES TO REMOVE THIS INFORMATION. I HAVE ACCOUNTS THAT DO NOT BELONG TO ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX ADDRESSES, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS INFORMATION DOES NOT BELONG TO ME.
Product: Debt collection

Debt was satisfied in 2019 and they continued to collect. I want this removed from all three reporting bureaus
Product: Mortgage

XXXX XXXX XXXX XXXX formerly NationStar - XXXX XXXX XXXX Texas, XXXX, phone XXXX, holds the mortgage to our home. On at least five separate occasions, I submitted a regular monthly payment plus additional funds to be applied against the principal. When that amount was greater than the monthly mortgage payment due, the company applied the funds to the next monthly payment ( principal, interest and escrow ) rather than applying the additional amount to the principal. After each of these incidents, I contacted the mortgage company and requested that the amount be corrected. The prinicpal payments were corrected. I further requested that future payments with additional funds be applied to principal. On XXXX XXXX, 2017, I contacted the company after the fourth incident and also filed a complaint with the company. I have not received a response to that complaint. On XXXX XXXX, I again made a payment greater than the regular monthly payment due, and the company took two monthly payments out of the amount instead of applying all of it against the principal. Furthermore, the additional interest was not recalculated after these payments. My concern is not only the effect of these unfair practices on my mortgage but the impact on others as well that may not be aware of this practice.
Product: Checking or savings account

i opened a bank account with BECU and deposited a check written from myself from my other bank account ( XXXX XXXX ) and its been on hold as possible fraud. the check cleared out of academy bank and shows on BECU but i'm told it's being held. i requested it be sent back and was told they can't do that. i contacted academy bank and they said it cleared and was fine. its been 8 business days since.
Product: Debt collection

XXXX XXXX ... My wife and I purchased a home ( XX/XX/XXXX Closed on the Home ) ... we went through Champions Mortgage ( Seminole Branch ) originally. The loan was denied 2 weeks prior to closing ( we were sent a Denial Letter ) and my wife and I found a different Lender ( XXXX ) and completed the purchase on XX/XX/1st2019. On XX/XX/30th2019 I received an email from Champion Mortgage Processor that included an autorization form for Fees they want XXXX and I to pay. I contacted Champion Mortgage stating the charges are unwarranted. A XXXX XXXX ( Branch Manager from the XXXX Branch ) contacted me via email ... I responded and she did not reply. I am a client of XXXX XXXX XXXX XXXX  XXXX XXXX  ( XXXX ) so I contacted XXXX XXXX XXXX the Center Manager yesterday XX/XX/XXXX to inform her of the issue. Mrs XXXX took charge and was contacted by XXXX XXXX and informed that this charge was a mistake and that Mr XXXX XXXX from Champion Mortgage was fired due to this matter. I did not receive any email from Mrs XXXX concerning the issue. I called today XX/XX/XXXX and spoke with Mrs XXXX and she apologized ... but when I asked her to email me with the apology and provide in the email that the charges are invalid ; Mrs XXXX was not happy. She the PROCEEDED to contact my Employer, My Boss at Work to discuss with my employer!!! UNREAL!!!! I find this action  beyond ludicrous and 100 % unacceptable. This Company needs to take action against this Branch Manager who is  going around contacting former clients employers. I am beyond upset and I request a formal investigation. XXXX XXXX XXXX XXXX Any and all documents will be provided upon request.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHILD SU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed with the credit reporting agencies that Bankruptcy # XXXX and # XXXX does not belong to me. The Bankruptcies Names and Social Security numbers do not match. Credit Reporting Agencies fail to establish correct name and social security. Social Security number is not linked with name according to Social Security Administration and Bankruptcy Court during the time the the filings claimed to be made
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. 
Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Student loan

I have my Public Student Loan Forgiveness loan administered through MOHELA. They are impossible. I submitted a deferment due to a medical issue ( as I do periodically with these loans ) - yet the balance was pulled from my account. I had my bank return those funds as they were not supposed to have been pulled. I started getting collections calls. 

I reached out to MOHELA and literally got no response. Well, I got a chain email explaining loan options that do not address my questions, concerns, nor request. 

I called but MOHELA has an hour wait time so Id love to get this resolved but MOHELA is unresponsive.

This is causing harm because my service provider is not providing service to this loan, resulting in collection calls ( which Ive never had before ), effects on my credit report, and most importantly, my ability to make future deferment requests. 


The real issue is : I have a service need, but the entity responsible for providing those services isnt responsive. At all. I have no means to address my issue. Meanwhile my credit and sleep suffer.
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. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

This loan is predatory. If you make nothing but the minimum payments you will never pay it off. Ive been paying since 2021 and I am at 0 %! Ive been trying but thats not ok!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent in dispute letters for unverified information on my credit profiles for all three credit agencies. none of the agencies informed me of a pending investigation for any items, and it has been over 30 days. I have sent in a letter demanding the erroneous items that werent investigated and/or verified within the allotted 30 days are deleted.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

As a loyal customer of HSBC XXXX XXXX, I opened my Premier checking account through the XXXX department in XX/XX/XXXX. So far, there were no more than 10 transactions. As I am not a XXXX XXXX, as a XXXX, I have always been very careful about using it, but nightmares still happened. My account was closed on XX/XX/XXXX. 

One week before closing the account, I completed a Bank to Bank transfer from my XXXX to HSBC. There is also a wire transfer payment to XXXX XXXX XXXX. 

The reason why I transferred from XXXX to HSBC before sending money out, because I am a Premier customer of HSBC and I was told that there is no charge for Wire, and the global transfer is also more advantageous. So the remaining transactions are related to HSBC accounts in other countries under my name. 

I clarify that all my sources of funds are savings and income under my name, and there is no behavior that does not comply with the rules of the deposit agreement. 

In XX/XX/XXXX, due to the recurrence of the epidemic, the continuous isolation of entry and exit during the travel period led to the termination of the XXXX case. I admit this is a misunderstanding because I can not go to the branch in person Someone told me that I forgot to sign an important agreement when I opened my account in XXXX last year. I didnt know it. The relationship manager of the branch didnt inform me. Later, due to our language communication difficulties, we requested to change the XXXX lady. My colleagues on the Premier hotline did not mention it, nor did the online banks message center. 

In XXXX and XX/XX/XXXX, the inconclusive review led me to repeat the application for a savings account twice. No one has been paying attention to the outcome of the case, and no one has told me why. Did I get rejected? I am helplessful about it. 

Because the notification is not in place, I can not predict the result of the application, let me repeat the inquiry. 

Finally, I asked the senior customer relations officer to respond to my complaint, because I am outside the United States, I can let HSBC relationship managers in other countries continue to follow up my case. 

As an important customer of HSBC XXXX, I can not decide to close my US account without any warning or notice. This is extremely unfair to loyal customers. 

Many of my friendly friends work for HSBC. I understand your review team, but it must be fair, otherwise I will continue to be fair through the power of the media. I have contacted many times to no avail. I need to upgrade my case to the Director of XXXX XXXX XXXX. You can record my conversation. I love HSBC. This is the bank of my life. I also actively promote HSBC 's business on XXXX social media. Get wider recognition, if you want to know the details, I look forward to presenting
Product: Mortgage

Since XX/XX/XXXX, I've had a mortgage through XXXX XXXX/ XXXX. 

When I lost my job due to COVID, I entered a CARES act forbearance around XXXX of XXXX. 

At the end of XX/XX/XXXX, XXXX XXXX sold my loan to Carrington Mortgage. Starting XX/XX/XXXX was the new servicer of the loan. 

I am currently in a CARES act forbearance with Carrington Mortgage that expires XX/XX/XXXX. 

My problem : When my mortgage changed hands to Carrington Mortgage I was charged a late fee of {$65.00}. I was under the understanding that I can't be charged a late fee for missed payments when entered into a CARES act forbearance.