23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Today at XX/XX/18, my vehicle was stolen from address XXXX XXXX XXXX XXXX XXXX oh XXXX. Ive reported this to law inforcement in XXXX Ohio. And went to the dept of motor vehicles got my license plate XXXX. With a valid Id and social #. They verified my car was stolen. I called because I was trying to figured out who may took my car. My title and my registration They are both in my vehicle, I have my Id to pick up my vehicle. The neighbors said it was stolen by a white truck .and they couldnt see the license plate number Of the truck. So the company Exeter finance said they took my car and that was illegally done. XXXX XXXX XXXX from Exeter explanation was that I owed money. I asked him if he had seen me signed any legal paperwork or documents stating that I agreed. He said on recording that he didnt see me signed any documents, and then was explaining to me that he had took my car to and its at an unknown location. I explained the dealer said i needed an amount of XXXX or XXXX cash, he guaranteed I will be in a car that afternoon. So I said fine, Whatever the car dealer and Exeter agreement was I wasnt present. I payed the exact amount of cash including tax that was recommended to drive off the lot. So they need to speak with the car dealer company because now I see they all need retrain. So again XXXX XXXX XXXX He didnt see me signed any law binding contract or contracts so I dont know how hes saying I owe something that he clearly didnt see me signed at all. So with These predudice and false accusations against me are illegal. Now I expect my vehicle to be released from your unknown location where they hide my vichecle. I need my vehicle today asap. thk you very much. Ive reported this again to law inforcement and the department of motor vehicle of Ohio with valid government issued Id. How can you steel my car from public property and lied that i signed paperwork that you are me lien holder, you never seen me signed of your documents XXXX XXXX XXXX from Exeter. I need a response today
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accountant increase appearing on credit report. 
Accounts 1. XXXX XXXX {$430.00} 2. XXXX {$930.00} 3. XXXX XXXX XXXX {$550.00} 4. XXXX XXXX XXXX Simple {$5000.00} 5. XXXX XXXX XXXX {$15000.00} Inquiries XXXX, 2XXXX, 3. XXXX XXXX XXXX
Product: Debt collection

I have never received any communication from the debts from Healthcare Receivables that are reporting on my credit report. Per government statue medical collections are given a 6 month window before the post a collection on your account. I would of paid the collection for {$120.00} and the other on that is for {$160.00}. It amazes me that doing the time of Covid that companies will have such illegal debt practices. I contacted the original creditor and my account was billed to insurance and covered, so why the need to collect? I'm submitting this complaint against HEALTHCARE RECEIVABLES GROUP due to their total disrespect for my consumer rights under the FCRA/FCBA/FDCPA. I've been disputing incorrect and unverifiable information and requested intimate information about the suspected account, including a copy of an agreement with my signature on it, but I have yet to receive anything.They refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. My life has been completely ruined by this as I am in the process of getting a mortgage. I need help as I have had enough of their stalling tactics. I hope to get a positive response soon.
Product: Credit reporting or other personal consumer reports

Disputed inaccurate information reporting on my consumer file with the 3 credit reporting agencies on 3 separate occasions. I first reached out to Equifax.! and XXXX concerning all of the accounts included in the attachments below and still they are reporting inaccurate information on XX/XX/XXXX. The bureaus investigated and updated the accounts but they were still reporting inaccurately, I reached out concerning the same accounts on XX/XX/XXXX and again, the bureaus updated the accounts but they were still reporting the same inaccurate data. I gave them benefit of the doubt and disputed a third time hoping to get resolution. 
And again they verified and updated the inaccurate accounts. 
I also informed the 3 bureaus that the furnishers of the information may be an unreliable source. Its impairing my ability to qualify for equal opportunity employment. 


Name of account Date opened Balance Creditors number XXXX XXXX XXXX XXXXXX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$510.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$430.00} XXXX This letter serves as formal notice to immediately cease and desist all communication and collection activities and all collection activities related to any alleged debt associated with account provided above.

I am asserting my right under the Fair Debt Collection Practices Act ( FDCPA ) ,15 U.S.C section 1692 cc and requesting that you cease all communication with me regarding this matter except as allowed by law. 

Case law has affirmed my right to request the cessation of debt collection communications.

In Daugherty v. Convergent Outsourcing , Inc., 836 F3d 507 ( 5th Cir. 2016 ), the court ruled the consumers request to cease contact must be honored to avoid further violation of the FDCPA.

Any communication beyond what is permitted constitutes a breach of my rights under federal law.

Philips v. Capital Collection Agency, 607 Supp. 556 ( W.D.N.Y. 1985 ) Court held reporting debt information to credit bureaus after receiving cease and desist letter violates FDCPA. ell that reporting debit information to credit bureaus after 99 receiving cease and desist letter violates FDCPA.

Rosenberg v. Laventhol & Horwath, 888 F. Support. 413 ( E.D.N.Y. 1995 ) : Court ruled that furnishing info to credit reporting agencies is considered communications under FDCPA.

Additionally, the case of Clark v. Capital Credit & Collection Services , Inc. 460 Fid 1162 ( other Cir. 2006 ), reinforces the consumers right to privacy and the obligation of debt collectors to honor requests for cessation of contract. Ignoring this cease and desist demand will constitute harassment and a violation of the FDCPA.

The debt is invalid, disputed or paid in full. Confirm compliance with chis cease and desist order in writing within 7 days. 

Failure to comply WILL result in legal action, including filing complaints with regulatory bodies and pursuing damages under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$7400.00} XXXX XXXX - XXXX - {$480.00} XXXX XXXX - XXXX - {$390.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$600.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Credit card or prepaid card

On XX/XX/20 there was a charge for XXXX, XXXX, XXXX, XXXX, that were not. Mine j called Bank of America to inform them of this and they are telling me that it is me the one who made these charges when it wasnt
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent an investigation letter via certified mail ( XXXX ) regarding a 30 Day Late Payment reporting on my XXXX XXXX account ( XXXX ). This is inaccurate and should not be reported as I had previously entered into forbearance during that time. On XX/XX/XXXX I received notification from the Experian credit bureau stating that the account was properly investigated and reported as accurate but how is that possible if the date of delinquency is inaccurate and inconsistent across the 3 credit agencies? Attached please find supporting documents to my claim.

Additionally, this late payment is in violation of 15 USC 1681s-2 ( F ) and 15 USC 1666b therefore it should be updated to report as ON TIME and the 30 Days Late removed. As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). I request that you conduct a thorough investigation into this late payment to verify its accuracy. If this late payment can not be verified, it should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). The FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Enclosed please find communication from the creditor, XXXX XXXX, verifying my forbearance in XXXX and noting my due date for the next payment would be XX/XX/XXXX. I would like swift and immediate action to correcting this as inaccurately reporting on my credit report has disproportionately impacted my financial stability over the past 4 years.
Product: Credit card or prepaid card

Citibank is constantly charging me late fees for payments that have been sent well before the due date. The last check sent was dated XX/XX/2021. The due date was XX/XX/2021. They claim they didn't receive the check until XXXX XXXX. I called them and inform them when the check was dated and advised them that this was becoming a constant practice with them unjustly enriching themselves at my expense. They refused to take the fee off stating that they have already allowed me credit for one fee. 

The problem with that explanation is that they have charge me numerous late fees for the last four or five months. I advised them that there is no need for me to continue sending payments to then when, instead of deducting from my account they are taking my payments and adding late fees, blaming the post office, telling me to send payment in earlier. Unfortunately, I can not prove that they are deliberately holding my checks for the sole purpose of profit.. 

I send all credit card payments out at the same time and all the checks are cashed within the due date.except Citibank. I don't know why they are exploiting me except for the fact that I have closed my account with them after 28 years of excellent credit. I'm at at lost of what to do since I can not continue to make payments to Citibank without being properly credited. If necessary I can dig out the statements from the previous months to support my complaint. 

Thanking you in advance for your courtesy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN MY FTC ALONG WITH CHALLENGE LETTER ABOUT INFORMATION BEING INCORRECT ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX XXXX XXXX
Product: Mortgage

I was left out of the 2022 CFPB & ( Mr. Cooper ) Nationstar Mortgage even though I had been complaining about their unfair addition of a {$170000.00} penalties fee to my mortgage after it was transferred from Aurora Loan Services when they went out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

{$200.00} withdrawn on XXXX, to date not deposited into my account. Robinhood
Product: Mortgage

my mortgage loan was transferred to Mr. cooper XXXX XXXX with my previous lending company, I was in forbearance for 10 months. I requested my account go out of forbearance in XXXX XXXX, after the transfer so I could start making my monthly payments again. Mr. cooper approved me to have the balance due during the 10 months placed on the loans backend and I would resume paying my monthly payments as the were starting XXXX XXXX XXXX XXXX I notice my monthly payment has increased. so I give them a call, here is where a 4 hour phone call started. I called Mr. cooper and through conversation with 2 agents, it was understood that my payment increased due to escrow that was paid while on forbearance. that was fine but the balance that was put on the backend of the loan included escrow throughout those months so why am i paying it twice. NO ONE could give me an answer and sot he multiple transferring commenced that ultimately resulted in XXXX XXXX hanging up on me with no return call back. it seems to they are trying charge for the escrow in the current monthly payments as well as on the backend amount due. CHARGING ME TWICE. no one could rebuttal my logic or explain otherwise. so a adjustment is needed!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX card was closed without notice and this will have an effect on my credit score. In fact, when I paid off my XXXX XXXX, my credit score went down 30 points?????????? 

I called XXXX to find out why they did this without notifying me and they claim they sent an email back in XXXX and a letter I never got in the middle of a pandemic. 

I spoke with XXXX Supervisor XXXX on XX/XX/2021. Requested a copy of the letter. This is what banks do with consumers. I had not used the XXXX card, as it had a very low limit and they were rude when I inquired about it about two years ago. My credit score is currently XXXX. It was 83. It went down to XXXX after car was paid off. So its not your good pay that counts. Its the banks abusive behavior towards middle class honest consumers. 

Whats worse is knowing that this agency the CFPB is in the banks pockets. Just wished to make a record. What a waste of time and money we might as well all go live in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : CITI XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Debt collection

This company Is constantly harassing me and my family about a debt I did not receive. I ask the company XXXX XXXX XXXX to provide me proof of debt and they sent me an application with an electronic signature in all cap letters. This is not my signature and it was forward by someone. The put a garnish on my checking account without providing me any proof of legal documents of a court order. Ive been constantly dealing with data breaches and people putting debts in my name. This Is not my account. I have no knowledge of this account. 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I have contacted Barclays on multiple occasions over the past several months after discovering the hard inquiry on my credit report that I did not recognize. It is from XX/XX/XXXX. While I did have some credit card applications around that time, none of them are affiliated with Barclays Bank. Even when I spoke with Barclays each time, they have said they have no application on file from me. They also confirmed that I do not have an account. One of my calls was on XX/XX/XXXX. I was able to speak to a senior level employee who says that he marked the inquiry as fraudulent, and that it would be taken off in the next 60 days. He gave me the ID number : XXXX to use if the inquiry is not off in 60 days. Another time I called was on XX/XX/XXXX, The person I spoke with gave me the fax number XXXX. Said address it to " attn : fraud application/hard inquiry. '' They also said I should provide my full name, address, phone number, and times when I can speak along with more information about what has happened. I never received a phone call. Prior to this, I initially spoke to either XXXX or XXXX because I saw the hard inquiry initially through XXXX XXXX. They said there was nothing they could do and that I needed to speak to Barclays Bank, and that they couldn't remove it without a letter to remove inquiry from Barclays. The first time I called Barclays, which I don't remember when, they refused to provide that. I had to call a few times before I got to the point of speaking with the senior employee. This hard inquiry remains on my account, and I have not ever applied for a credit card with them which they have confirmed.d I sent that fax to no response at all.
Product: Debt collection

Midland Credit has reported derogatory information on my credit reports, XXXX, XXXX + XXXX ... 

I have sent disputes to all bureaus and the creditor Midland Credit. They have failed to accurately validate any documents that I owe them any money for debts. I do not have an account with this company, Midland Credit. I do not have a contract with this creditor. 

The following account numbers are attached to this creditor : XXXX {$400.00} XXXX. {$500.00} XXXX {$2400.00} I do not have a contract with this creditor.
Product: Debt collection

This is a complaint from XXXX XXXX against Recovery Partners for Recovery Partners failure to provide requested information for the debt alleged. On XX/XX/XXXX, XXXX XXXX received a demand letter from creditor, Recovery Partners. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.

It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Bank account or service

Compass Bank, the option to fund the account with a ACH transfer did not function, I called them and was transferred several times until I gave up. 
within a day or two I tried to do it again and I still could not complete the ACH transfer called them again and could not get anywhere, on XX/XX/XXXX I tried the third time and changed the application to fund the CD with a check, and mailed out a check for {$200000.00} clearly marking the purpose of the money and the account number that I was given, five days after mailing the check I saw that it was not cashed yet I called the bank again they told me that the check did not arrive yet and I should call in 5 days. 
I called them on XX/XX/XXXX and I was told that the account was closed because it was not funded and my check is being returned, I was surprised to see that the check was cashed I called them on XX/XX/XXXX, and was shuffled from person to person without any results. The last person I spoke to was a guy by the name of XXXX that later said his name is XXXX with the promise that check is being issued and sent out to me immediately. 
I called the FDIC to complain about this episode, they said I have to complain with ; Federal Reserve Consumer Help I called them and they said to lodge a complaint in writing which I did. 
Today XXXX XXXX, 2016 I get an answer that I have to make a complain with Consumer Financial Protection Bureau, and I am doing it right here and now. 

MEANWHILE IT IS 10 DAYS PAST THAT bbva copass bank IS HOLDING MY {$200000.00}. AND LAUGHING ALL THE WAY TO THE BANK
Product: Payday loan, title loan, personal loan, or advance loan

Applied for a loan, was approved, asked for all of my personal information they have screenshots of my bank accounts and social. Called again to their number and was told I was denied after I was told I would receive the money next business day. Now my calls are blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from RADIUS GLOBAL SOLUTIONS. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/year> Diversified Adjustment Services sent out a email to me on behalf of XXXX in regards to a debt that was owed. This is my first time hearing about this account, so I contacted both companies to see what was going on in which I found out that there was an account open with a different address. Both companies are unwilling to correct their mistake and fix the issue. This has caused me to be denied credit multiple times and has bought my credit score down tremendously. You can see from my identification I do not live at the address that is listed on the debt form.
Product: Credit reporting or other personal consumer reports

I didn't give the institutions my consent or authority to pull a hard inquiry on my credit report, I'm not sure how they followed through without getting my approval. They didn't notify or inform me that it was taken place, so it seems quite wrong for the inquiries to still be on my report. I want them deleted off my report as soon as possible. The institutions are XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.