23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is attempting to collect a debt when I have not consented and done business with this company no contracts or wet ink signature. My information was sold without consent and Published for public view. My personal private information is and has been compromised by this company. I cease and desist this account. This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Product: Vehicle loan or lease

I mailed out a debt validation letter to flagship credit acceptance on XX/XX/2021 requesting for them to validate the alleged account ending in XXXX. They responded by sending a letter as of XX/XX/2021 advising that I am responsible for the alleged loan. Pursuant to Generally Excepted Accounting Principles they have to prove the money left their account if they gave me a loan and they did not provide any information showing the funds actually left their account. Also included in the letter was the paperwork for the alleged loan which list me as a borrower and pursuant to the Truth In Lending Act I am a consumer and not a borrower as bank can only borrow money. Pursuant to 15 USC 1692j this is a deceptive form because I entered into a consumer credit transaction w Flagship which no cash what is supposed to be excepted by the lender. Flag ship is in violation of 15 US C 1605. A finance charge is the sum of our charges in a consumer credit transaction and it does not include cash. Flagship in fact took cash as shown in the attached labeled exhibit. I have found 24 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. Flag ship is in violation of 15 US C 1611. Flagship willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to flagship as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My potential employer requested a background check from HireRight. I received a notice from my employer that they would not hire me based on information they received from HireRight. Their report included a criminal conviction from 1988 that is an error. Also, the background check was only supposed to go back 10 years but clearly they went back 30 years to find a record that does n't even belong to me. My problem is that they 're reporting is haphazard at best. Surely, they must have access to a myriad of other data points that they could have used to discount this erroneous record. Lastly, they asked for documentation to clarify past employment. I sent them additional documentation which they did n't even bother following up on.
Product: Debt collection

Keeps buying old debt that either isn't mine or has been paid of years ago. I confirmed with all of my primary care providers within the past 4 years and any facility that I visited in the meantime and they advised that I do not owe anything. Repeated calls, trying to get around my blocked calls and stuffing my mailbox with fraudulent attempts to collect on money that isn't theirs. It almost seems like they have bought debt from the last company XXXX XXXX XXXX ) that were trying to scam me out of money as the invoices are the same. I have already closed my complaint with XXXX XXXX  for harassing me and attempting to take money that wasn't theirs, so there's no way that this debt is mine or active.
Product: Credit reporting or other personal consumer reports

On my equifax Credit report theirs is XXXX negative item that's charged off account ending in XXXX also it over the statue of limitations its over 7 years old it should of been off my credit report also the account dosent belong to me not mine my social security number is XXXX
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting XXXX % correct. In accordance with the FCRA and Metro 2 compliance reporting standards. Everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Debt collection

When I bought a puppy from XXXX in XXXX, NY, I was told that the monthly payment would be XXXX per month. The purchase was made on XXXX XXXX, 2017. I received my first bill in XXXX. It was for XXXX. 
I spoke to debt collectors on the phone and wrote letters explaining that I could not pay the full amount. In the meantime I paid what I could. The interest kept increasing, and XXXX XXXX kept asking for more and more each month. 
Then, the phone calls every day. Repetitious phone calls. At first I answered and spoke with the debt collectors. Then, I realized that it was useless to discuss it on the phone because they demanded a large payment. 
Still the harassing calls have continued. I wish that they would cease. I want to pay on what is owed through the mail. I am sorry that the full amount won't be paid within the time that XXXX XXXX wants, but I intend to pay it in full. 
I am very happy with the dog and want to pay for her. I just can't make large payments. Now they are asking for a very large amount, which I do not have. I am a senior citizen and semi-retired. I live on a very low income. 
If you
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX AUTO Date of Inquiry XX/XX/year> & XXXX FCU Date of Inquiry XX/XX/year>
Product: Mortgage

They did pay my home owner 's insurance. They said they tried to contact the company with my homeowners insurance but they could get anyone. But I did when I contacted them. By them not paying my homeowners insurance, it got canceled. They told me that I should have let the insurance company I had switched over to Rocket mortgage. Now they had added their insurance amount to my mortgage payment. It from {$840.00} dollars a month to {$1000.00} dollars a month. And this has put me in a financial bind. The whole process of refinancing my home was to lower my mortgage monthly payments. But the reverse has happened.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report as part of my efforts to improve my credit and fulfill my financial responsibilities. Upon review, I noticed several accounts that require further clarification. I am not asserting whether they are being reported correctly or incorrectly, but I am uncertain about their accuracy. 

Under the Fair Credit Reporting Act ( FCRA ), I understand I have the right to dispute any information that I believe may be inaccurate. Furthermore, I came across some accounts reported in my name by entities I do not recognize, which prompted me to reach out to you for verification. 

Are you familiar with 15 U.S.C. Sec. 1681i ( a )? As I understand it, if you are unable to provide proof of accuracy, the law requires that these accounts be deleted. Therefore, I request that these accounts be thoroughly investigated, and if they are found to be incomplete or inaccurate, I ask that they be removed from my credit report. 

I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified 100 % or deleted : XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX 2024 and beyond, and a charge-off with a {$150.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX XXXX ( Account # XXXX ) Late payments in XXXXXXXX XXXX and a charge-off with a {$360.00} balance and {$120.00} past due. Please verify the accuracy of this information. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, Account # XXXX ) Collection account with a {$78.00} balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. 

If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. 

Please complete your investigation within the XXXX timeframe required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Formal Dispute of Debt Collection Entry on Credit Report To Whom It May Concern, I am writing to formally dispute the debt collection entry on my credit report, which is being reported by XXXX XXXX XXXX. The account number associated with this debt is XXXX On XX/XX/year>, I sent a pre-arbitration demand letter to XXXX XXXX XXXX, addressing several violations they have committed under the Fair Debt Collection Practices Act ( FDCPA ). The letter outlined the following violations : 1. List Violation 1 failure to notify certified mail 2. List Violation 2 XXXX XXXX The letter was sent via certified mail with tracking number [ XXXX ], and I have attached the green return receipt slip, which confirms delivery on Date XX/XX/year>. Despite receiving the letter, XXXX XXXX XXXX has failed to respond within the legally required time frame. 

Given this lack of response, I am disputing the accuracy and validity of the debt collection entry on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are responsible for ensuring that the information they report is accurate. Continuing to report this debt, without proper validation, makes your organization potentially liable for arbitration alongside the debt collector. Each violation is XXXX. 

I request that you conduct a thorough investigation into this matter and remove the disputed entry from my credit report. Please provide me with written confirmation of the actions you have taken to resolve this issue within 30 days without E-Oscar system. This while be third round of dispute and Im keeping all records proof that I tried to resolve issue several times.

Attached to this letter are copies of the following documents for your reference : 1. The pre-arbitration demand letter sent to the debt collector.

2. The green return receipt slip with the tracking number and delivery confirmation.

3. A copy of my credit report showing the disputed entry. 

I trust that you will handle this dispute with the urgency and diligence it requires. Should you need further information or documentation, please contact me at the details provided above. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I went to the XXXX XXXXXXXX back in XXXX of XXXX. Apparently my insurance didnt cover an XXXX XXXX I received, and forgot to pay the bill sent to me for {$35.00}. The first bit of mail I received from Hollis Cobb debt collections, I paid in full ( XX/XX/XXXX ) as I never intended to run from such a small amount of debt, it had just slipped my mind. A couple weeks after paying, I received a call telling me I still owe. I informed the woman that I paid, and gave her the exact date and time the payment cleared from my credit card. She ignored me and kept telling me how I could pay. I finally got an email address from her to send a screenshot of my receipt. I emailed the company the screenshot with my debt account number explaining the situation. No reply, no anything, aside from a new letter informing me of my debt received in the mail yesterday. This company has essentially stolen my money and is still going to affect my credit negatively. Looking through their reviews on XXXX, this is how they treat everyone. Predatory and unlawful.
Product: Mortgage

My Homeowner 's insurance payments were not made on time causing the house to uninsured over XX/XX/XXXX - XX/XX/2015Caliber home loansAccount # XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is providing false information about my background. Specifically, company is reporting an eviction. Attached documentation shows the case was dismissed per the clerk of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this situation with all 3 credit bureaus. I have been a victim of identity fraud my identity has been found on the dark web and Equifax data breach. This has affected me from purchasing a home for my kids and providing a better life.

According to the ( section code 15 U.S. Code 1681 b Permissible purpose of consumer reports ), violation of consumer privacy act. the law prohibits any fraudulent accounts from being reported on my account I demand immediate removal.

failure to do so i will execute my ( consumer rights code 12 U.S. Code 5533 consumer rights ).

The following account are fraudulent accounts I demand immediate removal. 
XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Following Inquires were not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Disputed foreclosure from XXXX on credit report NEVER foreclosed Contact and disputed on Experian and was told come back verified. I asked how and who verified. Was told the only sent and they responded truthfully to the law. 
This inaccurate cause me not to get a loan with on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.
Product: Checking or savings account

Discover bank refused to deposit a check for {$9800.00} because of " security reasons '' they refused to disclose. I took the check to the submitters bank to cash it and then attempted to deposit cash into my discover account. They refused to allow me to deposit more than {$1000.00} per day which will take 10 days to deposit and having to run to the store 10 days in a row for a XXXX XXXX XXXXXXXX XXXX is absolutely ridiculous. I should be able to deposit any amount I wish into MY CHECKING account. I understand restricting cash withdrawals, but deposits?? Discover has XXXX physical locations where I can deposit cash and then they put restrictions on how much I can deposit??? No. That should not be legal. I have bills to pay and not XXXX of those companies is going to wait 10 days because of these ridiculous restrictions on how much cash I can put into my own account. Discover does not provide any other way but " XXXX '' to add cash and then only {$1000.00} a day after they refused to deposit a {$9800.00} check that had sufficient funds from the sending account for reasons they REFUSE to disclose. Absolutely ridiculous and should be illegal!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE ANYONE TO USE MY NAME OR PERSONAL INFORMATION TO SEEK THE MONEY, CREDIT OR LOANS DESCIBED IN THIS REPORT. I'VE CONTACTED THE BUREAUS AND CREDITORS REGARDING THESE FRAUDULENT ACCOUNTS OPENED IN MY NAME USING AN ADDRESS THAT I DO NOT RESIDE, XXXX XXXX XXXX, XXXX XXXX CA, XXXX. THESE ACCOUNTS STILL APPEAR ON MY CREDIT FILE AND NEED TO BE REMOVED.
Product: Bank account or service

I bank with Chase. I have been told by several Chase reps that users of their debit cards are protected from unauthorized and fraudulent transactions. Indeed, their website says the same and directs users to their XXXX Account XXXX for details. However, this is what the XX/XX/2016 XXXX actually says ( XXXX ) : I. NOTICE OF YOUR RIGHTS AND LIABILITIES For personal accounts only : Tell us AT ONCE if you believe your card, PIN or code has been lost or stolen. Calling us is the best and fastest way of keeping your possible losses to a minimum. 
If you tell us within XXXX business days, you can lose no more than {$50.00} if someone used your card, PIN or code without your permission. If you do NOT tell us within XXXX business days after you learn of the loss or theft of your card, PIN or code and we can prove we could have stopped unauthorized transactions if you had told us, you could lose as much as {$500.00}. If your statement shows electronic funds transfers that you did not make, tell us right away. If you do not tell us within XXXX days after the statement was sent or otherwise made available to you, you XXXX not get back any money you lost after the XXXX days if we can prove that we could have prevented the transactions if you had told us in time. 

https : //apply.chase.com/oao/DisclosureRetriever.aspx? XXXX There is a " Special Provision '' below that indicating consumer is n't liable, but this raises the question, why the XXXX, {$50.00} or {$500.00} liability language has n't been removed as these sections are contradictory..
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a grave matter concerning the deliberate and malicious actions of XXXX XXXX against my credit. As a concerned consumer, I am seeking your assistance in rectifying this unjust situation. 

5 years ago, I have asked credit acceptance to pick up my vehicle as I would do a " Voluntary surrender '' as times were quite hard for me then. Despite my repeated request, they failed to do so. 

Fast forward, the car is still in possession ( After continuously asking for the car to be picked up ). Despite Five years of nonpayment, Credit acceptance has failed to charge off my account keeping this account open. 

I have attempted to Dispute the debts with XXXX and Equifax to no avail. 

XXXX XXXX understands that the statute of limitations to collect this debt has expired. Thus, they are keeping this account open to wreak havoc on my credit rating by reporting late payments every month since this is the only leverage, they have. 

This account is parked on my credit report Illegally. Credit acceptance failure to " Write this debt off '' by Charging this debt off may also mean that they are engaging in tax fraud. Typically, after three months of nonpayment this account should have been moved to a charged off status, or even a repossession. It has not. The car has never been hidden, or even hard to access. It has simply been in my driveway. 

Failing to charge off the debt prolongs the amount of time this account should remain on my credit report. The clock has not even started yet because of their refusal to do the right thing. 

These erroneous reports have significantly damaged my credit score, making it increasingly difficult for me to secure loans, obtain reasonable interest rates, or even pursue certain employment opportunities. 

Despite my repeated attempts to address this issue directly with credit acceptance, they have been unresponsive and unwilling to rectify their errors. It is clear that their actions are not only negligent but also potentially illegal, as they violate the Fair Credit Reporting Act and other consumer protection laws. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against credit acceptance. I also urge you to ensure that my credit report is accurately updated to reflect the true nature of my payment history. 

Furthermore, I would appreciate any guidance or assistance you can offer in resolving this dispute and restoring my credit integrity. Your prompt attention to this matter is greatly appreciated, as the ongoing damage to my credit has had severe repercussions on my financial well-being. 


Thank you for your time and attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 this hard inquiry showed up on my credit that i have no responsibility of i filed to have it removed and no response i need to have it removed because it is hurting my credit
Product: Credit reporting or other personal consumer reports

One main Financial has been falsely reporting an account to my credit files for a loan I never went through with. I started the loan process, got halfway through the contract, and walked away. For the last 7 years, they have destroyed my credit and placed unforeseeable financial burdens on me because they are reporting fraudulent information. Not only did I not go through with the loan, they filed the paperwork I had signed and I never received a single penny from them. They have never issued me a check and they refuse to provide any sort of debt validation after the hundred of times I have disputed this account. They faked a loan to then get paid through their insurance company as well as a tax write-off.