23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. Credit Associates of Maui , Ltd. ( CAML ) failed to provide correct balance due and proof of calculations. Disputing the balance on my account. 

Requested proof of calculations many times via phone calls and letters from XXXX to include certified mail and return receipt dated XXXX/XXXX/XXXX. I received no response ( phone calls or letters ) from CAML. They failed to provide verification of amount due. 

Violation of XXXX XXXX XXXX ( XXXX ) ( A ) and Hawaii FDCPA XXXX. 

2. CAML mailed personal information ( dated XXXX/XXXX/XXXX ) to wrong employer. ( Improper handling ). CAML continued to mail personal information to wrong employer ( dated XXXX/XXXX/XXXX ) after my employer notified CAML in writing not to send any personal related information to their office. ( This XXXX mail was forwarded to my employer from the wrong employer ). ( For clarification purposes, I work for the XXXX and XXXX collection notices were sent to the wrong XXXX ). 

Violation of XXXX XXXX XXXX ( a ) ( XXXX ). 

3. CAML involved in deceptive practices/ inefficient internal procedures. 

CAML did not make fair attempts to contact me that my automatic payments from my checking account would be terminated ( the initial agreement states that " ... this authorization shall remain in effect until the balance is paid in full or company receives written notification from m of any intent to terminate this payment plan ... '' ). My checking account is still open and has always had funds for the automatic payments to continue. There was no reason for CAML to stop these automatic payments from my checking account other than increasing payments without my consent and/or mutual agreement.
Product: Credit reporting or other personal consumer reports

I have identified that XXXX and Equifax are reporting inaccurate information regarding an account with XXXX XXXX XXXX on my credit report. This account has been transferred or sold to a collection agency, and, therefore, XXXX XXXXXXXX XXXX no longer owns it. Despite my request with the credit bureaus to re-investigate this account XXXX and Equifax failed to provide within 30 days how they validate the account to be accurate when the last update shown is XX/XX/year>, and XXXX and Equifax have not removed the inaccurate information from my report or furnish information on the account, which is violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. 1 never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Product: Debt collection

To Whom It May Concern : I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Please provide at least the following information within 30 days from the date your receipt of this request for validation : Full name and address of alleged creditor : Full name on file of alleged debtor : Alleged account number Correct Social Security number Address on file for alleged debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Copy of the contract and any amendments as this will show what the terms of the contract a so, I can see if you are following this in the amount you are trying to collect from me : Statements related to this alleged debt because I need to see all charges, payments. credits, etc. to compare this with the contract and see if the amount you are claiming is correct : Was this debt assigned to debt collector or purchased? 
Purchased agreement if the debt was purchased so that I can see if you really own this debt : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay creditor : Letter of sale or assignment from the original creditor to your company. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not XXXX / XXXX allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court ruled that reporting a collection account is, indeed, XXXX considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 

if your office falls to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit and a copy of such deletion request shall be sent to me immediately.
Product: Checking or savings account

I just recently opened up this checking account with Citibank and now my account is under review. I dont know why its under review and can't nobody tell me why its under review. I have {$600.00} in my account and i don ; t have access to my funds. The number i provided so they can validate isnt working per their request but when i called my cellphone company my number is listed as me. All this happened on XX/XX/XXXX. No actions and i cant get no help. I just want my money. The company just giving me the run around and I provided every information they needed to unlock my account.
Product: Checking or savings account

Someone opened a checking account in my name and I cant do anything about it because Bank of America wont let me talk to a live person unless I input the account number. I dont have the account number because I didnt open the account
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations XXXX accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$760.00} Status Account charged off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$34000.00} Status Open. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.
Product: Debt collection

I have sent in several disputes demanding Proof / Documents from Experian and yet they haven't sent me anything. Experian Keeps replying online saying that it Remains, without them sending me any Proof/ Documents showing that I owe this debt. I need this Removed Immediately. My rights as a consumer have been taken advantage of, I know that Experian is obligated to Send Me Proof /Documents as I have requested several times. I want this Debt Removed Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been charged off and is over 7 years old and keeps reporting to credit bureaus. I didn't receive a 1099C are being charged off and didn't receive pre and Post car resale. Loan was sold to other party but continues to show original creditor on report.
Product: Credit reporting or other personal consumer reports

Disputed the bankruptcy on my report with additional info from the courts and XXXX not having any record in their system. Asked what the source is they are verifying the information with & received no answer but that it remains on my report. Didn't give me any further information. The courts don't verify bankruptcies and XXXX has no record of this bankruptcy on my report. I want it removed. It's not letting me upload my information.
Product: Debt collection

Hello, I have tried multiple times to dispute the account under XXXX XXXX XXXX XXXX  and they continue to say the debt is verified by only sending me copies of the billing statements. This account as due to identity fraud. The original creditor has already deleted this account from my credit profile. Also, I have verified that they are not licensed and bonded with the State of Michigan by using the website XXXX XXXX XXXXXXXX. 

The account is for the amount of {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Inquiries 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 : XX/XX/XXXX XXXX Date of inquiry : XX/XX/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  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for, and was granted, Covid-19 mortgage relief. The first payment relief date was XX/XX/XXXX. 

At that time I was still current on my loan. The investor was XXXX XXXX & my loan was being serviced by XXXX XXXX XXXX. 

In XX/XX/XXXX XXXX XXXX sold the loan. Im not sure who the new investor is. The relief period ended in XXXX, XXXX. I made all 3 of the trial payments on time-XXXX, XXXX and XX/XX/XXXX. My mortgage account servicer, XXXX XXXX  XXXX, reported my loan past due for XXXX, XXXX, and XXXX. All 3 of those payments were made on or before the due date. 

My mortgage account is with XXXX XXXX  XXXX. 

I have complied, on time, with all of the conditions of my loan agreement ( s ).

I believe this is very unfair and against the intent of the US Governments Guidelines regarding Covid-19 forbearance policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX XXXX XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 1,8 financial loss, and I seek appropriate Redress for funds lost
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 measures 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 regulations E. These actions have cases significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I HAVE BEEN SENDING LETTER BECAUSE IN XXXX I CANCELED THE ACH PAYMENTS AND SET UP BILL PAY AT MY CREDIT UNION. NO ACH CAME OUT FOR 3 YEARS. THEY GOT ALL THE PAYMENTS OF {$200.00}. PER MONTH ON TIME AND WE WERE EVEN PAID AHEAD FROM MY CREDIT UNION. THEN IN XX/XX/XXXX SLS DECIDED TO TAKE OUT {$200.00} AND SAID IT WAS FROM MY ACH. I NEVER SET UP AN ACH OF {$200.00}. THE ACH I WAS PAYING AND THEN CANCELLED WAS {$200.00}. EVEN. BECAUSE OF MY PAYMENT FROM THE CREDIT UNION AND ACH PAYMENT COMING OUT I WAS CHARGED AN OVERDRAFT FEE AND I WANT SLS TO RETURN MY {$25.00}. OVERDRAFT. THEY KEEP SAYING I AUTHORIZED ACH, BUT I KEEP EXPLAINING IT WAS CANCELLED AND THE PROOF IT WAS CANCELLED IS THE FACT THAT IT DID NOT COME OUT FOR 3 YEARS.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX  XXXX : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX **** Balance Owed : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies CB INDIGO Account Number:XXXX 15 U.S.C 168 s-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: Mortgage

I CLEARLY EXPLAINED ABOUT MISTAKE BEING MADE BY THE BANKER, GETTING A PARTIAL PAYMENT OF WHAT HE WANTED INSTEAD OF " THE FULL PAYMENT AS I REQUESTED '' JUST AFTER I MENTIONED TO HIM THAT I NEED TO HAVE MY ACCOUNT CURRENT BECAUSE IT WAS ON ASSUMPTION PROCESS. 

HOW HARD IS TO UNDERSTAND THAT PART??????? 
MISTAKE THAT AFTER I CONTACTED BACK OTHER BANKER APOLOGIZED ABOUT IT AND TOOK THE EXACT AMOUNT THAT WAS MISSING BY ACCIDENT AS HE MENTIONED BECAUSE I ASKED HIM TO CHECK THE CALL RECORDED. 
*HE ALSO PROMISED THAT IT WON'T AFFECT ANYTHING TO MY ACCOUNT BECAUSE HE MADE A NOTE ABOUT THAT PREVIOUS MISTAKE. 

I'M ATTACHING A DOCUMENT WITH MY NOTES AND NOT MAKING A BIG DEAL. 
PLEASE CHECK ON THEM.
Product: Credit reporting or other personal consumer reports

My XXXX  XXXX bankruptcy was discharged on XXXX XXXX. I was advised it takes up to 60 days for Mortgage to report to credit bureau. I have contacted all three credit bureaus thereafter and they do not show a mortgage reporting. I contacted XXXX XXXX on or about XXXX XXXX and was advised they report on the XXXX of the month. To date XXXX XXXX - my mortgage is not reporting. 
This is a major impact on my quality of life and its not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report, i was affected by hurricane Ida and need a new place to move into but these fraudulent reportings are holding me back from obtaining housing. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these fraudulent reportings on ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Leased a XXXX XXXX XXXX from Toyota Motor Credit Corporation. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid Toyota in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that Toyota has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with Toyota financial to no avail and I now need help from their regulator.
Product: Vehicle loan or lease

I live in Massachusetts and registration renewals are tied in to the leasing company. Documents get forwarded to the leasing company first and to me when they get around to it. Massachusetts send renewal docs usually 60 days before renewal, I got mine from Nissan Finance 15 days before renewal and renewed the day I got them. 

My registration expires tomorrow and I have not received the registration or new sticker from Nissan Finance yet, I called today and tried to find out the status and a rep told me they had the new docs but had not sent them out. I could not get a straight answer on when they would send them. 

If they can't forward the documents required to operate my car in a timely fashion I should not have to pay lease fees in the interim
Product: Debt collection

In XXXX of XXXX I leased a car from XXXX XXXX. It was a 2-year lease and they told me that if I turned the car back in before the 2-year time period I would not be required to pay any penalty. 
I turned in the car in XXXX of XXXX to XXXX XXXX ( an XXXX ) They told me that I dont owe any money. 
Almost three and a half years later I got a phone call from a debt collector and they also mailed a letter dated XX/XX/XXXX. The debt collector claims that I owe {$1200.00} that I do not believe I owe. 
Included in {$1200.00} is rent past due of {$170.00}. One week I did not pay because XXXX said that they had me covered because of the hurricane. If this were a legitimate debt owed to some company, I would have heard from that company. 
I received the 2nd letter and final communication from the debt collector on XX/XX/XXXX. 
I received no further communication past XX/XX/XXXX until about XX/XX/XXXX when the debt collector posted a collection notice on my credit. I have excellent credit which took years to get.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me a email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number. Its upsetting that anyone would all these things using my information. These fraudulent items are not mine. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX   XXXX {$4500.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX   XXXX {$6000.00} XXXX XXXX XXXX XXXX {$470.00} XXXX   XXXX {$5500.00} XXXX XXXX {$4500.00} XXXX XXXX XXXX {$57.00} DEPTEDXXXX   XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

Experian credit agency Despite having an account where I have frozen and unfrozen my reports Experian website no longer recognizes my birthday and social XXXX  so I am unable to login. Their automated answer system is not able to help ; I have spent XXXX  hours over XXXX days trying to contact a XXXX  agent.