23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had car insurance with XXXX and i paid my last payment and advised them i got coverage with another provider and that id like to cancel the plan now that ive paid my last payment. The lady i spoke to said sure and the policy was canceled and not to renew for the coming term. 
I thought everything was fine until i started to see that they had sent my closed account to a collections company CAINE & WEINER and every time i have disputed with the credit reporting agencies XXXX, XXXX and XXXX even XXXX XXXX, they keep adding it back to my report which is damaging to my credit. I would really like my credit report to be updated and this account removed.
Product: Credit reporting or other personal consumer reports

XXXX declined my block of information without properly verifying the fraudulent accounts. XXXX and TransUnion also failed to follow federal law under 15 USC 1692g. Because of these recurring problems, I have lost confidence in the banking system and have dealt with the hardships of inaccurate reporting. This has damaged my general mode of living and my livelihood. I have not been able to take advantage of consumer credit because of ( XXXX, XXXX, and TransUnion ) willful noncompliance and knowingly violating my consumer rights have stopped me from receiving goods, services, and personal property.
Product: Vehicle loan or lease

NOTICE TO CEASE AND DESIST ALL COLLECTION ACTIVITIES! NOTICE OF REJECTION, REVOCATION AND TERMINATION OF ANY ASSUMPTION OF CONTRACT! NO CONTRACT AND NO CONSIDERATION! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT This letter shall be considered lawful notice that I hereby REJECT, REVOKE and TERMINATE of all security interest to you. Please consider the said contract paid in full and immediately release any and all encumbrances on account # XXXX. 

All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust and Agency relationships are terminated! 


XXXX Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. 

Any refutation of the aforementioned and/or the following issues must be done so, o and for the public record, in writing, by way of a sworn Affidavit, signed in their full XXXX name under penalties of the Law, including but not limited to perjury.

I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, you can now only contact me to : 1. To advise me that your company 's further efforts are being terminated ; 2. To notify me of remedies.
Product: Debt collection

I was notified by XXXX XXXX that I had a delinquency in my report. When I looked at the delinquency it was with LJ Ross and Associates. I contacted them and they told me it was an unpaid bill to XXXX XXXXXXXX in the amount of XXXX. I have never resided in Nevada so this is clearly fraud. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX phone XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I was looking through my credit report and noticed these collections on my file in Derogatory Marks which is all wrong on the collections. First off on transunion I am being hit with portfolio recovery original creditor XXXX  XXXX XXXX  for {$400.00} I owe them nothing and this was paid off a few years back. I have told these people this countless times and they keep changing companies trying to collect money from me I do not owe. Secondly XXXX  XXXX  original creditor was XXXX  XXXX they are saying I owe {$740.00} which I also paid off a long time ago so I am unsure as to why this is still on my report. XXXX XXXX is charging me {$3300.00} from XXXX  XXXX XXXX. This one I can tell you the story I had bought some phones they never came In and long story short order was cancelled and this was all settled with. Lastly XXXX, XXXX  which is working for XXXX XXXX claim I owe them {$50.00} dollars which I also do not ash owe. I gave them XXXX dollars in cash. I do not owe them anything. If they pocketed the money or whatever happened there under the fair credit report 609 I feel I have a solid case in each situation if anybody wants to call me directly on this situation can do so. As I have nothing to hide and I want this situation fixed as soon as possible as it is effecting my credit score in a negative way. I sent the attachments here to what is wrong and on XXXX  it shows 2 and the other XXXX  has stated I do not owe.
Product: Debt collection

On XX/XX/XXXX I received a voice mail from XXXX XXXX ( phone number " unknown '' ) who indicated she was contacting me in reference to a complaint that was forward to her office ( no name of the company ) under file # XXXX  to discuss a pending action being filed against me and if I didn't call XXXX proceedings will begin without my consent. I called the number and requested the name of the company but was told by the person on the line that she answers for several companies and to provide the number and she would let me know. I gave her the number and then there was silence and XXXX came on the phone and said she was from XXXX   or Cohen & Associates. I asked why did they call me and she stated they didn't call me that I called them - I said yes, because I was left a message to call and she played word games by saying I called as she originally stated. I said this is a scam and I'm going to report her to the FTC and she said " we will see you in court '' and hung up. Prior to this call, I received a call on XX/XX/XXXX several times from XXXX and a voicemail was left indicating that I have not responded to issues in the previous six months and it is considered as an intentional fraud and a lawsuit is being filed under my name by the United States Government. I don't owe any debt and I'm not familiar with any issues nor received any letters by US and/or Certified mail. I don't know if the two are related but its odd that out of the blue I've received these calls. I know my personal information was part of two separate breaches with big companies that were very public. I believe this has caused collection agencies to contact me in an attempt to collect on debts that have been discharged in bankruptcy which is in violation of the Fair Debt Collection Practices Act and Bankruptcy Protection Law. Additionally, the unwanted calls and pre-recorded voice messages to my cell phone could be in violation of the Telephone Consumer Protection Act.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 5 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX XXXX opened XX/XX/XXXX under the account number XXXX, an secured loan account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, an secured loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and collections appearing on my fraudulent items be removed from all reports These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have been working with Bayview loan servicing for months to modify a previous loan modification that I was late for one payment. I have filed a complaint with the CPFB over this issue. I was denied due to a rule that I can not have another modification within a 12 month period. The anniversary date for the modification in question is XX/XX/XXXX. I was a denied for the last application on XX/XX/XXXX, one day from the anniversary date of the last approval. I have supplied Bayview all proofs that they have requested pertaining to reason that I was late on the last payment, that I am current employed with a better paying job, and that I am receiving rent from them non-owner occupied side of the XXXX. I am requesting that Bayview give me proper consideration of my situation, and that timeframe that I am making my request for a new modification per their rules.
Product: Checking or savings account

They refunded the following amounts on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I need those transactions refunded immediately. Total XXXX dollars. 
XXXX XXXX. 
They are playing games and the customer representatives are rude and hang up on me.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT ED 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 XXXXXXXX -XXXX  XXXX 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 an account without my written instructions. ''
Product: Debt collection

On XX/XX/2021 I sent ASSET MGMT/NATIONWIDE REC a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from ASSET MGMT/NATIONWIDE REC as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C
Product: Credit reporting or other personal consumer reports

I " am requesting that my student loan accounts be removed off my credit reports within 24 hours. I have attached proof that my loans are discharged and a 1099c was submitted so its a cancellation of debt and income can not be reported on any credit reports its agents the consumer law. Also due to this being a cancellation of debt my loans has turned into a certificate of indebtedness and must be removed from my report. {$88000.00} has been cancelled a copy is attached and these should be removed within 24 hours of this complaint. This is also against the Family Educational Act you are not allowed to report income from school loans are any loans due to consumer law. The account numbers are listed below. 

XXXX   # XXXX XXXX # XXXX XXXX # XXXX
Product: Mortgage

I originally fell behind on my mortgage due to an illness that I had been hospitalized for twice. Then Hurricane Harvey happens which made it even worse. Flagstar Banks departments ( collections, loss mitigation, bankruptcy, and customer service ) are not communicating all of the payments that Ive made. I was originally in a bankruptcy that was denied in XXXX. I had been making payments of over {$5600.00} a month since XXXX of this year to the trustee XXXX XXXX XXXX XXXX. It was stated that the payments were made to the mortgage company ( Flagstar Bank ). We requested a hardship through them when COVID started that they stated that we could not do it because it wasnt an FHA loan, which of course it is. They told me that I had to go through loss mitigation to resolve the issue before they could grant a forbearance. I sent paperwork AND regular mortgage payments to them in the process since XXXX. They refused XXXX and XXXX they claim due to the loss mitigation process. Then, today, I was told that I was denied because I had already filed loss mitigation in the past twenty four months and that I had 14 days to appeal it. I would have never known this if I had not been reaching out to them almost everyday to follow up regarding the application. Apparently Im in active foreclosure status. The payments that I made was not applied to the account properly. Theyre claiming that the payments that I made were applied to other fees which were not posted. Of course I wasnt privy to these hidden fees theyre claiming. Im beginning to feel as though they are purposely doing this to take my home. I need help with getting this situation taken care of. I truly believe theyre not willing to help me remedy this situation so that they could take my home.
Product: Checking or savings account

I had my bank account for 25 years. I have become XXXX and can no longer work. Because I do not have direct deposit of {$250.00} a month, they are charging me {$12.00} maintenance fee. How discriminating when you can no longer work to be able to have direct deposit.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the Equifax XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B, this information must be blocked immediately until the investigation is over.
Product: Debt collection

Hello, My name is XXXX XXXX and I have a major problem. I don't know what to do at this point. I have exhausted every option. So let me explain what is going on. In XXXX of XXXX  my wife and I went to XXXX XXXX in XXXX XXXX  to do some XXXX shopping and spent {$62.00}. So when we cashed out the cashier asked if we would like to get XXXX % off if we applied for a XXXX XXXX credit card. So we did. The cashier filled all the information out for us, address, phone number, and email address except for my yearly income.I filled the income part out. So we left the store and I never even thought again about the XXXX XXXX credit card. This is because I never received the credit card or a monthly bill in the mail ever. That's why. I get a voicemail on my phone saying I owe XXXX XXXX money and is past due. So I call them and I can barely understand them, as they are not American people and they have broken XXXX. It turns out that my bill at XXXX XXXX was {$62.00} and with late fees and it's now {$230.00}. The lady I was talking to was not any help, so I asked to talk to her supervisor. So I talked to the supervisor on a recorded line and she asked me my address. I said it was XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. She had me as XXXX XXXX, XXXX XXXX, Maine XXXX. That was the wrong address they had and XXXX XXXX admitted it. The cashier at XXXX XXXX entered the wrong address. So I asked them to drop the late fee and I would pay them what I owe them. I got a very interesting response from the supervisor. She said it would have to go to committee and they would make a decision and let me know in ten days. They never did let me know in ten days. Months later I got a registered letter from Synchrony Bank, XXXX XXXX XXXX, XXXX PA XXXX and they must represent XXXX XXXX. Synchrony Bank said my balance was overdue and they wanted me to pay {$230.00}. So I called Synchrony Bank and told them I called XXXX XXXX and talked to them about it. XXXX XXXX admitted to having the wrong mailing address. So Synchrony Bank sent me a form to fill out to tell them what happened. I don't feel I should pay the unbelievable late fee. As I stated I never got a XXXX XXXX credit card or a monthly bill in the mail ever. I have always had a XXXX credit score and now I have been flagged by XXXX XXXX and my credit has dropped. I don't think this is right. I now can't get good interest rates on XXXX went to get a personal loan and would have got XXXX % but with XXXX XXXX flagging me I had to do XXXX %. I would like the late fee removed and pay what I owe XXXX XXXX and have my credit score fixed. Can you help me with this? It would be so appreciated. Thank you, XXXX XXXX
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

Ally financial. My application was sent denied credit call ask to speak to loan department manager no response at all just denied and securities stolen all these companies practice breaking the law NO RESPECT FOR FEDERAL GUIDELINES AN LAWS please investigate as a consumer the damage is serious car broken an got grand babies to get to an from school to have a bank steal from you your taking the security and trading on the second dairy market an you steal want to steal from the consumers UCC 1602 -1607 Please help me get justice from these criminals violating federal reserve act, consumers rights act I hope you will straighten this unfair consumer transaction the inaccuracies of credit scores is a violation alone all done at same time different scores
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me. XXXX XXXX.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Product: Debt collection

I received a notice from Phoenix Financial Services about a medical debt they said I owed. 

I sent a letter asking for a itemization detail of the original debt and never received it. 

They placed the debt on my credit report. 

When I called to ask them to remove they said it was ordered but never received by the original debtor debt and they refused to remove it from my credit report unless I paid the bill. I asked if this was legal and was told yes unless I pay the bill. 

I would like my XXXX back until I can receive proof of debt. 

Was told they will order it but it will take two weeks.
Product: Credit reporting or other personal consumer reports

I am shocked these teams are on my credit file! No wonder XXXX and Transunion is being sued in XXXX because you out inaccurate information and fraud stuff on people report of XXXX reason. Remove these two accounts I have no idea who the owner is! I will sue because of deformations remove these accounts
Product: Debt collection

On XX/XX/XXXX, I requested that IC system validate an debt, after viewing my XXXX  and XXXX  credit report, that responded on XX/XX/XXXX stating the debt was unverifiable, how is this company allowed to report debts to Credit Reporting agencies before being verified? Thats a clear violation according to the FCRA. How did XXXX  and XXXX  Credit Reporting agencies verify the IC System accounts, when IC System stated that they could not.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ACTIONREVREC plus they did not provide me with the original application like I asked. 
Account No : XXXX XXXX XXXX : {$160.00}
Product: Checking or savings account

On Friday, XX/XX/XXXX I was alerted by my email that my XXXX XXXX XXXX account closed. So I notified Ally right away to figure out the problem with my account. They said I made to many transactions on my card which by law, they were force to close it. So I had no way to access my {$2000.00} remaining balance to pay bills. Which I relied heavily on. 

After speaking with a customer service representative that Friday, XX/XX/XXXX evening, he explained that my check would come in 7-10 business days. That never happened. Its XX/XX/XXXX and I've been speaking with Ally customer service reps/managers everyday and they have the same responses and same excuses. The point is I've been waiting for my check from Ally for 2.5weeks. They made me file a Affidavit today ( XX/XX/XXXX ) and said theres nothing they can do. They cant XXXX mail it to me and my rent is almost 2 weeks late.
Product: Credit reporting or other personal consumer reports

I previously reported a closed XXXX Bank Account # XXXX and demanded that it be removed from TransUnion XXXX. TransUnion responded that the information is not currently on my TransUnion credit report. This is a bold lie as they continue to report the closed XXXX Bank Account until this day! 

In accordance with the fair credit reporting act, convergent account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

It is also my understanding that per 15 U.S. Code 1681b ( e ) ( 6 ) - Permissible purposes of consumer reports, all consumer reporting agencies are required to establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. XXXX has removed this reporting! TransUnion needs to follow suit! 

I demand that this fraudulent closed account be deleted from TransUnion reporting immediately.
Product: Debt collection

Portfolio Recovery is harassing again to try to collect a debt. I do not think this time it is Portfolio Recovery it is a former employer XXXX XXXX that is using this credit card debt to harass. Attached is a similar complaint I filed to the CFPB last XXXX. XXXX XXXX has harassed me for 20 years with this credit card debt.