23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I began being contacted by Payday America on XXXX XXXX. I received both a text message and a I believe a restricted number call followed by a caller Id call from XXXX. I was left a message that stated that Payday America was attempting to contact me regarding a  payment that was due on my account. After I received the message I immediately contacted the company and let them know that they were contacting the wrong person. That I have no loan or pawn item with Payday America. I insisted that they no longer contact me regarding a debt that is not mine and told them to remove my number from their database. The woman on the other end of the line was rude. I told them do not text me or call me again. I then received a call and a text message on May 5th. I again contacted Payday America and asked them to remove my number. The  woman on the other line attempted to get my name. I let her know that I do not have an account with them and I was not providing that but I provided the phone number and again requested that it not be contacted. I have since received two more text messages weekly on Fridays and get a restricted call followed by a caller ID call of XXXX calls every Friday as well and have contacted them every time they have called and asked them to remove my number. Today XXXX XXXX XXXX after receiving both a text message a restricted call and a caller ID call with the caller ID of XXXX I called Payday America again and again requested to have my number removed from whoever is using it on their account. The woman on the other end of the line said that there was no way to remove it and I should just " Block '' their number on my phone. I do not want my phone number that I have had for 4 years to be associated with someone 's account that has payday loans. I do not think that it is too much to ask to have my number removed. I should not have to block a phone number from calling me to avoid a company calling me regarding a debt that is NOT mine. I do not authorize them to call my cell phone for the purposes of collecting a debt. I do not authorize them to text message me on my phone that I pay for to collect a debt that does NOT BELONG to me. I want my number to be removed from the account in which it is associated and I want them to NEVER contact me regarding someone else 's debt again. I have tried 4 times to get them to remove my number and now I am here. Please help me to get them to stop contacting me!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies have repeatedly ignored my Identity theft report that I have sent several times to them. They have repeatedly ignored my requests to delete any addresses or names in which my Identity Theft report identifies. I have provided my drivers license and my a copy of my bank statement for my address. They have been reporting information that did not have my permission. There are companies that are reporting as late payments which are illegal according to 15 USC 1637. There are companies that are reporting which I have sent validation letters too which I have not receive back an answer to who is the Creditor ( in which I am the original creditor as the money was pulled from my account and I am forced to repay with interest ) The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

If this dispute is not handled in a manner in which I am satisfied I will file for every violation which is at a cost of {$1000.00} per each violation Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$20.00}, {$1600.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a friend sent me {$450.00} to send to a bank in California for a collateral payment on a loan she was trying to get for a car. The person said it could only be sent through zelle. My friend sent me the money in XXXX XXXX, I transferred it to my bank account, and sent the money through zelle to XXXX in the total of {$450.00}. On XX/XX/XXXX the person asked for another {$1000.00} to pay for some type of insurance, my friend told the person she was no longer interested in the loan and asked her for her money back. The woman hung up the phone on her and blocked her. I called my bank ( XXXX XXXX XXXX ) they were not able to do anything, and my friend filed a report. I have emailed the person and sent a request through zelle for {$450.00} to get the money back and heard no response.
Product: Debt collection

This started from my landlord retaliating against us after we attempted to get the home energy efficient and we spoke with the Commerce Dept.. 
They contacted him. He 's a poor excuse of a landlord cuz upon move in he made me do all the cleaning. 
We got to the point of receiving a 2nd unlawful detainer, and we 're evicted XX/XX/XXXX then : A 3rd party collector gets involved, who made no attempts to contact me prior to the garnishment.!!! In XX/XX/XXXX I noticed that I was being garnished, I discovered that it was XXXX XXXX XXXX located out of XXXX. I sent a letter immediately for proof of the debt, validation & the amounts. It went unawnsered. I am frustrated because I 'm not able to get a statement to show the balance, payments and credits. The case # used is for a paid case. Previously, XXXX XXXX, was atty. of record and we took in a large cashiers check to pay the amount owing. We requested a copy of the receipt & copy of the check from XXXX office but have not gotten it yet. I did not get notified of the transfer to Credit International hearing or the wage garnishment. It appears that they sent my paperwork to a erroneous address. Furthermore, the garnishor has illegally withheld our personal items that we had in the garage and failed to return our last months deposit/security or a detailed statement. Please investigate this matter and determine if I overpaid this 2nd judgement. I pray that you will get the answers that I 've tried to obtain. 

Case # XXXX this is the correct case #. The case # XXXX had been paid except minor atty costs of {$300.00} approx. Otherwise on the XXXX XXXX day it would have showed all that 's owed to him.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that EQUIFAX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EQUIFAX is a third party corporation and I did not give EQUIFAX permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). EQUIFAX assembled a consumer report without my authority. This is identity theft.
Product: Debt collection

I have not supplied proof under the doctrine of XXXX XXXX XXXX  Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore exist. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 I would like for this fed loans to be closed and removed immediately!
Product: Debt collection

I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed him that XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for this account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account he pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Complaint Against EQUIFAX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$0.00} Despite providing evidence that the charge off account is incorrect, EQUIFAX has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against EQUIFAX for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for EQUIFAX 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account and opened an investigation with no resolution after 30 days. I only received an invoice with my very old address on it but I never seen this doctor and he is not in my medical history. I lost my drivers license years ago with that address so I believe someone fraudulently used my ID but this is not my account and a debt I owe. 

COMPANY : XXXX XXXX ACCOUNT # XXXX AMOUNT : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken L oans sent me offers for a refinance loan product after I submitted promotional opt-out information.
Product: Checking or savings account

THIS IS NOT A DUPLICATE COMPAINT OR MATTER : I was promised a XXXX inducement for signing up for a new account. When I called to day the lady first disagreed then agreed then I told me I would have to go into a branch to get it and I informed her I am XXXX then had to send me to talk to someone else ( I was picked as the lucky person to leave a review after the call was over ) after holding for a long time I hung up.
Product: Vehicle loan or lease

Over a month and a half after turning in the vehicle, I received a letter which incorrectly stated I had missed a payment and charged me for a payment amount which was inconsistent from what my actual monthly payment was. I was charged late fees and a demand to pay property tax with also made without any documentation as to how the amount was arrived to or details from the municipality. My account was also closed out, eliminating my access to any information pertaining to my lease. 

Furthermore, without this information, the amount due was reported to the credit bureaus as a liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information illegally and obtained several lines of credit fraudulently and now my credit is shot because of it. I am a victim of identity theft and trying to get back on track with everything and this is causing me so much trouble for me and my kids. Please help me. The fraud accounts are as listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company refuses to take accountability for the errors in your online system as well as your customer service reps and for that reason my credit has suffered tremendously. I got into a wreck and totaled my car on XX/XX/2018. My insurance paid off the account in XX/XX/XXXX, there was a minuscule balance showing on the account for {$5.00} for the next 2 months and I called to verify this was correct and get the account resolved. I was told a different amount ( {$64.00} ) not showing on the online account and they mentioned taking it from my account, I agreed to have it taken out, upon logging in to your online system I noticed the same balance of {$5.00} and 2 weeks later after not seeing it being taken out, I called and they told me there was a late payment of {$64.00}. I never would have known about this balance if it wasn't for my due diligence. I never received an email notification, letter, phone call, NOTHING about the remaining balance. My only reference was the online account, which clearly showed a balance of {$5.00}. I wrote a letter disputing this as I was never, ever late on a payment, even paying early at times on the account for the past 3 years. This error has caused a huge sore on my credit report, I am in the middle of buying my first home and this affects me and hurts me tremendously. I wont be able to purchase my home if this erroneous late payment is not removed. I called your customer service line and was told there was nothing they could do, and an " automated letter '' was sent by your credit dispute department ( which has no direct phone line or supervisor to speak directly to ). I am angry, hurt and extremely disappointed in your company for your lack of research and accountability. I was a loyal customer for 3 years and your mistake will cost me my home that me and my XXXX boys worked so hard for.
Product: Credit reporting

XXXX XXXX on TransUnion report inaccurate. 
I do not owe XXXX ; Nor ever did.
Product: Money transfer, virtual currency, or money service

On XX/XX/, I sent a money order in the amount of {$230.00} ( for my car payment due on XX/XX/XXXX, ) to WESTLAKE FINANCIAL. They inform me they did not receive payment. 

I had the money order traced by XXXXThey inform me the money order was cashed by WESTLAKE Financial & they sent me copies showing proof.

I did contact the company by emails & phone calls with the findings, but the representatives responses were, We do not see the money order.
Product: Mortgage

I can not pay my mortgage loan online if it 's a weekend day. This was n't always the case. I 'm sure many people can relate to having to wait up to the last day a payment can be made to pay if without getting a late on their credit report. I have had issues with only having access to making payments via the Internet due to a phone not being available. I have made payments online on weekends before and they post that Saturday or Sunday no problem. In the past year apparently they changed their policy ( never received any policy changes updates ), and these payments I made were not credited until the Monday after causing late quotes on my credit. There are times I do n't get paid until Saturday or Sunday and I should n't be penalized for that. Apparently even if I could have called and made a phone payment they add a XXXX $ fee which I ca n't afford. This is not fair in my eyes. I ca n't get in a better situation if I am blocked in all these ways
Product: Credit reporting or other personal consumer reports

I should not have a child support account on my credit report. Yet Experian refuses to remove it. 

Forcing me to be unable to purchase a home.
Product: Mortgage

I submitted my completed application on XX/XX/XXXX and sent it over to XXXX XXXX of Contour Mortgage on the same day. He did not confirm receipt however, he messaged me on XX/XX/XXXX to let me know that I need to submit additional information. I did and did not hear back from him until I reached out on XX/XX/XXXX and I stated " Hi XXXX- I hope you enjoyed your weekend! I just wanted to follow-up here since its been about thirty days since I submitted my application. I was wondering if you can provide an update on status. '' It was only then that they sent me additional conditions and document requests. This continued where it was radio silence for months until I reached out. If they needed additional documents, I wouldn't have known until I reached out. I provide the documents within 24 hours and still no confirmation of receipt or anything. 

XXXX XXXX also participated in deceptive practices. When he was looking to get my business, he said it would be a quick and easy process and he had recently closed a similar situation. He also lead me to believe that he would be able to refinance the home and process a HELOC loan. Unaware to me that they actually DO NOT offer HELOCs and i would have to go somewhere else to do this. This was not disclosed to me until now as we are closing. 

Now that I am closing, they have me backdating the documents. I received them on XX/XX/XXXX however the date on the documents are XX/XX/XXXX. It took over four months to close with no communication as to why it is taking so long. Now my interest rate has increased almost identical to what it is on my current mortgage however, I don't have the time to go through this process all over again. 

I strongly suggest an audit on their practices as I feel they are deceiving their customers to gain business and extend the process.
Product: Credit reporting or other personal consumer reports

When disputing a fraudulent account through the Consumer Financial Protection Bureau ( CFPB ), its crucial to present a detailed explanation of the s I am writing to dispute an account that has been fraudulently reported under my name. This account does not belong to me and was opened or used without my authorization. Below is a summary of what happened, my supporting evidence, and applicable legal citations that support my claim for the removal of this fraudulent account from my credit report.

What Happened : The account in question was opened or used without my knowledge or consent.

I have no financial ties to the creditor in question nor any agreement to be held liable for this account.

This fraudulent account has negatively impacted my credit score and caused undue financial stress.

Actions Taken : 1. Fraud Report Filed : I have submitted an identity theft report through the Federal Trade Commission ( FTC ) at identitytheft.gov.

2.Creditor Contact : I contacted the creditor to dispute this account and requested an investigation.

Legal Basis for My Dispute : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 The FCRA allows victims of identity theft to block fraudulent information from their credit report.

According to 1681c-2 ( a ), a consumer reporting agency must block the reporting of information resulting from identity theft if : The consumer notifies the agency of the identity theft.

The consumer provides a valid identity theft report.

2. FCRA, 15 U.S.C. 1681i Under 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If the investigation determines the information is inaccurate or unverifiable, the agency must delete it.

3. Case Law Supporting My Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX. XXXX ) : This case reinforces the consumer 's right to dispute and remove inaccurate or fraudulent information from their credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Highlights the responsibility of credit reporting agencies to investigate and remove unverifiable or inaccurate data.