23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CMRE Financial Services , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has contacted me repeatedly concerning a debt owed to XXXX XXXX XXXX XXXX. I attempted to have them validate my debt and they have ignored all correspondence. 

XXXX XXXX XXXX XXXX billed me for an emergency medical visit by a doctor. I was never treated by the doctor. I requested medical records and they immediately sent the debt to collections. There is another business currently at the address they list. They have sent me several billing letters and the name of the doctor changes from letter to letter. 

I have multiple times asked CMRE to validate the debt and to give me some information that would indicate that XXXX XXXX XXXX XXXX is not a scam. They have ignored every letter.
Product: Vehicle loan or lease

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report immediately.

15 usc 1681 congressional finding and statement of purpose ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I am writing in regard to the above-referenced account/s and transactions.

15 usc 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 the information is inaccurate. 
Duty A moral or legal obligation ; responsibility. 
Accurate Correct in all details ; exact. 
Prohibition A law or regulation forbids something. 
The reporting of this account as debt is inaccurate. 
15 usc 1681 s-2 says your company is a furnisher of information to a consumer reporting agency.

You are prohibited by law to furnish inaccurate information, I demand you to cease and desist reporting of incorrect/ and inaccurate information immediately to all three credit reporting agencies XXXX XXXX and XXXX XXXX 
15 usc 1681 s-2 ( a ) ( 1 ) ( a ) 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX {$0.00} Account XXXX XXXXXXXX $ {$1100.00} XXXX XXXX$720.00} XXXX XXXX  {$21000.00} XXXX XXXX {$3700.00} XXXX XXXX  {$1300.00} XXXX {$1000.00}
Product: Debt collection

I contacted XXXX XXXX and XXXX and also the debt collector, National Credit Systems to communicate to them that what they have reported on my credit report is incorrect. I have also shared receipts and email communication between me and the original account holder to prove that this was incorrect and that they had not updated my account. I am under the impression now that XXXX XXXX nor XXXX are even reading the documents to support my case. I have also shared these documents with National Credit Systems. I am at a loss on what my next steps should be. I understand that I have a right to report inaccurate data on my credit report and National Credit Systems has the responsibility of updating this data. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with Bank of America ( XXXX Visa Credit Card ) and XXXX XXXX credit reporting. It started with an honest mistake with Bank of America and one I owned up to, which totaled less than {$100.00}. It negated 20 years of great credit in one action made by XXXX XXXX credit reporting agency. When I went to the XXXX XXXX website to see my credit report there is little or no information. The whole website is set up to avoid personal contact and to get you to purchase additional information at a cost. By their actions my line of credit with Bank of America went from {$5000.00} to {$500.00}. In my entire life ( I am XXXX yrs. old ) and 37 years in XXXX XXXX never been treated so poorly. As an XXXX I always strived to have any action I take be appropriate and consistent. I have never missed a mortgage payment since buying my first home in XXXX, WA. I have never missed an auto payment in my entire life. I have no credit card debit. I own my home outright. My truck is paid off. I am debt free. How Bank of America and XXXX XXXX came to the conclusion that I was a risk given my history is a question I would like answered. When I said I owned up to my initial mistake, here is what happened. I always pay my credit card off and try and maintain a XXXX balance. As a result I never saw a need to sign up for email alerts or notices and my card. Me and my wife purchased a XXXX during the start of COVID and she placed the monthly membership on the same card as we used to purchase the stationary bike. I immediately paid the bike off and was not aware the membership was going to go to that card. As a result 2 payments went by unnoticed. I was finally made aware or contacted about the issue and I immediately paid the 2 months and brought the balance of the card back to {$0.00}. Apparently Bank of America lets XXXX XXXX handle these issues and I have shared what their website and lack of communication looks like. I take pride in paying my bills and not owing anything. I cant tell you have this has impacted me and what I stand for. In my letter from Bank of America denying my latest request for a higher credit line it paints me like I have a history of delinquency and multiple problems. I challenge Bank of America and XXXX XXXX to indicate to me what other issues they have that would lead to the decision that was made. I hope that your agency can lead to some sort of fair resolution and open communication. I am eager to hear back from you. XXXX XXXX.
Product: Debt collection

Dear CFPB, I need your help and I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX regarding their collection practices in relation to my account with them, identified with an Capital One account. It has come to my attention that XXXX XXXX XXXX, XXXX has been violating my rights as a consumer under various provisions of federal regulations and statutes. Specifically, XXXX XXXX XXXX, XXXX is in violation of the following regulations and statutes : Violations : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation outlines requirements for debt collectors in providing validation of debts. XXXX XXXX XXXX, XXXX has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation pertains to the provision of written notice by debt collectors. XXXX XXXX XXXX, XXXX has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 

12 CFR 1006.34 ( d ) : This regulation addresses the timing of validation of debts. XXXX XXXX XXXX, XXXX has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

15 USC 1681-S2 ( 7 ) ( A ) : This statute concerns the rights of consumers in relation to their credit information. XXXX XXXX XXXX, XXXX 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. 

Demands : Cease Collection Activities : I demand that XXXX XXXX XXXX, XXXX cease all collection activities related to my accounts. 

Delete XXXX : I demand the deletion of the reporting of the account to the credit bureaus. 

Certified Receipt of Notification : If XXXX XXXX XXXX, XXXX believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

Compensation : I request compensation of {$1000.00} for the violations of my consumer rights as outlined above. 

Request for CFPB Action : I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX, XXXX for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX County Sheriff 's Police Report : XXXX XXXX I have never opened/used/authorized this account. I filed a police report with the XXXX County Sheriff 's office [ as instructed to do by XXXX   and XXXX ] disputing this off of my credit report. 

It was removed by XXXX and XXXX, showing $ XXXX/owed- closed- because of fraudulent activity. XXXX will not remove or close out the balance or reporting on my credit report- despite having the police report and a statement that this is FRAUD. 

I would like this to be removed as per the police investigation, this is fraudulent and the other credit bureaus have adjusted my report accordingly.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX ACCOUNT XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 


15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

This company is trying to collect {$12000.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX EXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX 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 card or prepaid card

I initiated a credit card balance transfer with XXXX XXXX to pay off a XXXX XXXX credit card and to take advantage of XXXX 's 0 % transfer offer. 

I completed the transfer request on XX/XX/2019 and the transfer amount of {$7400.00} was charged to my XXXX XXXX account on XX/XX/2019. 

As of today, XX/XX/2019, the transfer has not been received by XXXX XXXX. 

Repeated email and telephone requests for resolution to XXXX XXXX have been met with boilerplate emails and vague, scripted telephone responses. 

I am currently showing a {$7400.00} debit to my XXXX XXXX account and no offsetting credit to my XXXX XXXX account. XXXX XXXX is treating this issue as a " disputed transaction ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was denied credit with a credit card company, XXXX XXXX. The reason they gave was based on information on my credit report and they advised me to get a copy of the report in order to correct any potential issues. 

I contacted the following credit reporting agencies : XXXX, Equifax, and XXXX. 

Allegedly there is a discrepancy with my Social Security number. The reporting agencies stated they have the wrong Social Security number tied to my name. They have not corrected this. 

This has resulted in my inability to secure credit and has resulted in my not being able to get a credit card or purchase a car. The impact to me has been significant and material. It has impacted my day to day life, and I have no recourse. 

After countless hours, repeated attempts, telephone calls, e-mails, data uploads this issue is still unresolved. The credit agencies are not responding or making material efforts to resolve this issue. Based on the responses I have been given, there has been little to no movement in attempting to resolve the Credit Reporting Agencies Failure This issue has resulted in a loss of credit building which will put my plans on hold of buying a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach and leaked my SSN and other personal information
Product: Debt collection

I called Greenpath today XX/XX/2023 to tell them to cancel the ACH withdrawal. I had sent them a message last night, XX/XX/2023, to tell them to cancel the ACH. I did not get any response. 
I talked to several people today and then I got this email that says I agreed to the {$510.00} to be taken out every week. 

That doesn't make any sense because they have been taken out that amount for awhile now. 

Why would I call to tell them to do something they were already doing? 

What is the agent 's name that I talked to? 

When they took the money out of my account, it caused my account to go into negative balance. All of my other posted debits bounced back and the bank and those vendors charged me NSF fees. 

I want Greenpath to reimburse me.
Product: Consumer Loan

Wells Fargo put an Hard inquiry on my XXXX and XXXX Report that I did n't authorize.And also all subsiders it used.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am a XXXX XXXX  for many years. I called to have my car towed but they said I hit my limit. So they charged my credit card for a tow. After a month or 2 they sent me a bill. I called XXXX and said it was my credit card that was charged for the tow. The agent agreed and even said we would not have towed your car unless you paid for it. So she said everything will be taken care of. Well a month later another bill I get. I called and same conversation, they agreed. This went on for about 6 times. Then I actually walked into XXXX and they agreed this is a mistake on their part but I would have to cancel my membership and join for free. So I did. Well a month later I get the collection notice and it's on my report now. I went back in to XXXX and I stood at the desk while they called southwest collection services. They said it was their mistake please take off XXXX - XXXX XXXX off the collection please. Well to this day They still have me on their collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

First reported to all three credit bureaus on XX/XX/XXXX that NAVIENT Student loans falsely reported me late on the XXXX of XXXX. I was placed into a new payment plan with NAVIENT on the XXXX following being laid off. Their credit reporting department and collections/payment plan department apparently do not talk to one another. My account is current and currently showing nothing due at this time. For some reason XXXX is only reporting one of the three loans current when all four loans are under the same payment plan which means they should all be reporting as current. XXXX and XXXX were reporting exceptional payment history for all four loans but now it looks like on my end they are showing a missed payment for XXXX again. Again all four loans for NAVIENT on all three credit bureaus should be reporting as no recent missed payments. I am trying to move forward on a home loan and if this isn't resolved in time, i.e. this week I will be homeless thanks to NAVIENT falsely reporting. 

Likewise, my XXXX XXXX account was in a payment plan - never received that documentation from XXXX XXXX account has been paid in full and should reflect that on my credit report ASAP too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXXXX/XX/2021 EXPERIAN XXXX XXXX XXXXXX/XX/2021
Product: Checking or savings account

I was affected by overdraft fees that weren't legitimate causing a domino effect for several bills that were due at the time. I feel like I am included in the settlement payment from the Wells Fargo 2023 lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, UPGRADE, INC agreed to TERMINATE and DELETE all security interest, sharing and furnishing of an account opened with my credit financial information ( personal identification information ) due to fraud as a result of IDENTITY THEFT. I was given given several guarante by XXXX XXXX XXXX Department of said furnisher that all XXXX XXXX XXXX ( CRA ) that they UPGRADE, INC has shared my information with has been contacted and information will be deleted. 

On XX/XX/XXXX I contacted CRA XXXX regarding said information been reported by upgrade which I disputed with XXXX as FRAUD and IDENTITY THEFT and supplied appropriate supporting documents. XX/XX/XXXX. XXXX informed me that UPGRADE, INC VERIFIED the information as of XX/XX/XXXX to be ACCURATE and CERTIFIED true. 

I reach out to UPGRADE, INC on XX/XX/XXXX for clarification regarding the respond from XXXX to which I was inform they have deleted the account as of XX/XX/XXXX. This contradicts their reporting of said account and the statements been generated showing the account is still active even though it was closed and sold to a third party debt buyer as of XX/XX/XXXX. The account is still showing activity and still been furnished to CRA ( XXXX ).
Product: Mortgage

I accepted a refinance loan from XXXX XXXX and Patriot Mortgage company. The line was signed and notarize on XXXX XXXX 2015. Now I am being harassed to sign documents that are clearly designed to raise the mortgage amount by an additional XXXX dollars and add more money onto my principal. I did sign a limited power of attorney which statesThis limited Power of Attorney may not be used to increase the interest rate. the term of the loan or the monthly principal and interest. Any of these changes must be executed directly by the undersigned whch is me an I will not sign these papers under any circumstance. I took this deal because I was desperate for cash and I was told I would get a XXXX refund from my escrow account. The XXXX refund turned out to be XXXX Patriot title is trying to say because I accepted XXXX dollar refund from my escrow account I am legally obligated to sign this paper work. The refund was quoted as a XXXX refund which is why I originally accepted the deal in the XXXX place. This refinance in turning into a nightmare. I am tired of being harassed I want a formal complaint done some type of reprimand done.I would like you to review this deal especially the calls between myself and XXXX XXXX at XXXX. and if at all possible I want to get away from this company this is the most disreputable company I have ever worked with. I was originally told by XXXX I need to resign because my signature did not come through on the some of the copies that were faxed over. I knew right then he was lying, because a notatory was sent to my home to make sure each of papers were signed properly. When I looked at the paper work I could see the changed they loan payoff from XXXX to XXXX increasing the principal.