23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently discovered this parked debt account on my XXXX credit profile. NOTE This is your only opportunity to have that information removed and blocked. I was not previously given an opportunity to dispute this alleged debt. However I do know that failure to dispute does not constitute a admission of liability by me according to the law which you have violated by putting this alleged debt on my credit profile and I feel like im being extorted into paying something. I believe this accounts to be inaccurate and falsified. this must be unauthorized charges using my social and you are posting this stuff on my credit profile. I have no intention on paying this alleged debt that have not been verified with me that they are my responsibility. Under XXXX you are supposed to have my consent to share my private financial information with XXXX parties and I DO NOT CONSENT TO THIS by your company. I am not aware that I have any contracts with you. This is considered unauthorized use of credit which I received no benefit from. This is also a direct violation of TILA / FDCPA and is considered harassment and furnishing false and misleading information to XXXX parties AND its being done without my consent to do so. Please do understand that this is a refusal to pay and a cease and desist of collection notice for any efforts thru any medium including credit reporting and unfounded litigation, unless you can provide ALL of the following items so that i may verify responsibility of this debt. XXXXPlease provide the XXXX form that was used to verify authorization to open an account XXXX. Please provide all correspondence records for the accounts. XXXX. Please provide the applications with the original creditor that verifies this accounts as belonging to me. XXXX. Please provide any other documents provided by the original creditor that verifies the accounts belongs to me. XXXX. Please provide verification of whether or not this accounts were assigned or purchased by your company. XXXXProvide the Regulation F Disclosures. XXXX. Provide the XXXX Accounting for this accounts so that I may verify the creditor/credits/debtor/debt on the account. I need all of the above in order to do my due diligence on this matters. Please do note that I am prepared to take this to court if you continue to violate me under TILA and FDCPA and your company already has been in trouble for this violations and unfair practices multiple times with CFPB and FTC. Please note that given the urgency of this matter, I expect response in a reasonable time frame which would be XXXX business days.
Product: Debt collection

I had auto insurance with a third-party carrier to which Ally Financial was the designated " gap insurer ''. The vehicle that was totaled in a motor vehicle accident which was mostly covered by the other insurer. Ally Financial was supposed to pay the remaining balance of the financed amount which was XXXX. Ally is now attempting to recoup this amount from me and reporting derogatory information about me to the credit reporting agencies as if they have a legitimate debt claim against me. 

I asserted that this is an attempt to defraud me, and I have previously given notice Ally Financial regarding this fact. I also demanded that they produce the original contract to substantiate their claim against me or cease and desist all debt collection activity against me. They have failed to do either, most likely because such a contract does not exist.
Product: Consumer Loan

I leased a car from GM financial about 6 months ago. I bought insurance on my phone through XXXX and thought I had full coverage. last week there was a vehicle that hit our parked car in front of my house and ran off. XXXX said I do not have full coverage. how did this happen? are n't you legally obligated to have full coverage on the lease? Why did GM financial not do anything about this? Why did XXXX not alert me that I was under covered? Who is at fault? Am I responsible for the {$10000.00} worth of damage from the hit and run? Does GM Financial have an insurance to cover this situation? Does Gap insurance cover this?
Product: Mortgage

Bank of America has continued to contact me on my mobile phone even after explicitly denying consent and after repeated requests for them not to contact me via cell phone. BOA has contacted nearly daily for the last three months while for large part of time my account was current. When I ask BOA about this they say that the calls must be in error, however, I continue to receive them and I 'm feeling harassed.
Product: Credit reporting or other personal consumer reports

REQUESTING A COPY OF MY CONSUMER REPORT TO NO AVAIL. 

XXXX SENDS OUT STALL LETTERS ASKING FOR THE SAME INFO REPEATILY.
Product: Checking or savings account

I woke up on XX/XX/2023 to emails from Bank of America telling me they were pending opening an account. Followed by other emails stating they verified me and established the account also on XX/XX/2023. I called their fraud team to tell them it was fraud and then received an email on XXXX/XXXX/2023 telling me I was denied opening the account when in reality I told them it was fraud. They told me they would send me information about the fraud that occured and I never received it.
Product: Debt collection

XXXX XXXX XXXX hospital and XXXX XXXX didn't fill out the paperwork for the insurance correct I have been XXXX  10 years and have Medicaid and Medicare and Medicaid I don't owe anything for the bills
Product: Mortgage

I became unemployed on XXXX XXXX. I contacted XXXX XXXX and was told to send in my unemployment approval award letter to e looked at for a unemployment forbearance. of Which I did. I never heard back from anyone! I called multiple times for status with no return calls. I then received a application for a Modification ( XXXX ). The letter gives me a specific person to contact XXXX XXXX with his direct line. I received one call on XXXX XXXX @ XXXX XXXX from XXXX XXXX I called back on XXXX/XXXX/XXXX @ XXXX XXXX pst. XXXX/XXXX/XXXX XXXX PST, XXXX/XXXX/XXXX XXXX PM PSTXX/XX/XXXXXXXX XXXX PST, XXXX/XXXX/XXXX XXXXPST,  XXXX message says he will return within 48 hours. I received no call backs during this period. This is a RESPA violation. I finally got a call back on XXXX at XXXX XXXX PST. I called back the same day at XXXXPST. again on XXXX/XXXX/XXXX @ XXXX, XXXX and XXXX XXXX PST, again on XXXX/XXXX/XXXX XXXX XXXX I can continue to list times and dates my point is there has been no reasonable timely calls back per RESPA this is mandatory. I faxed my mod application over on XXXX/XXXX/XXXX no calls back to go over this with me. I have again left numerous messages XXXX/XXXX/XXXX XXXX PST, XXXX/XXXX/XXXX XXXX PM PST and so on and on and on!!!!!! I am now in jeopardy of losing my home and have had to seek a real estate agent to list my home on the market due to no response from my assigned Home Preservation Specialist XXXX XXXX. This is unacceptable and again in violation of RESPA. I have owned my home for 18 years now subject to losing it due to lack of response to my first request for unemployment forbearance and now lack of response to assist me with a workout option as the letter from wells fargo indicates.
Product: Credit reporting or other personal consumer reports

I wish to exercise my rights to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
As a federally Protected Consumer, I hereby formally opt out of any and all authorizations.

Whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my non public, personal information with non-affiliated third parties including the consumer reporting agencies for any purpose.

I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the GRAMM-leach Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information OTHER COMPLAINTS XXXX XXXX XXXX DOCUMENTS ARE ATTACHED BELOW
Product: Credit reporting or other personal consumer reports

Unauthorized fraudulent inquires from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX the date opened is different from all credit bureaus. 

transunion opened date XX/XX/XXXX XXXX  opened date XX/XX/XXXX XXXX opened date is XX/XX/XXXX last reported date is different from all credit bureaus transunion last rteported date XX/XX/XXXX XXXX  last reported date XX/XX/XXXX XXXX last reported date is XX/XX/XXXX high credit amount is different from all credit bureaus transunion high credit amount {$30000.00} XXXX  high credit amount is {$30000.00} XXXX high credit amount is {$8300.00} plese delete for multiply inaccuracies.
Product: Credit reporting or other personal consumer reports

Hello, There are three collections accounts on my report that are reporting continuously incorrect information for years now. 

I have disputed each one with the credit bureaus and the companies and they still remain on my report. 

This has affected my quality of life and living. I can barely get approved for housing and car dealerships want an arm and a leg down payment. 

Please help, I don't know what to do. I think I am a victim of fraud and this is ruining my life. Also, the credit bureaus XXXX and Experian have reported an incorrect credit score to Lenders twice now.
Product: Debt collection

AMERASSIST AR SOLUTIONS is falsely reporting on my credit that I owe {$660.00} in which I have never done any business with this company. Please remove this inaccurate information immediately
Product: Debt collection

I received a copy of my credit reports and it reflected a collection account from Nemo 's Collections. I sent them a certified letter # XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 and it was returned to me with the following yellow tag - " Return to Sender - refused, unable to forward ''. I mailed the letter to the address that was notated on the credit report, I also confirmed this address on their website as well. I have attached supporting documentation for your review. 

I am requesting validation that this debt belongs to me. If they can not provide documentation to support that this is in fact a debt that I owe, I am requesting that this collection account be deleted ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed the XXXX XXXX XXXX account showing on my credit report with all three credit bureaus Experian, XXXX, and XXXX XXXX and all three bureaus has claimed ACCOUNT VERIFIED. The XXXX XXXX XXXX account reporting on my account is showing an incorrect status of delinquency, incorrect balance, incorrect payment history etc. Ive tried to correct the issue with the credit bureaus but I dont believe I received a fair hearing according to the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has completely failed to respond to any of my questions are statements made I. My previous complaint. Instead they trie to validate the records which is not the issue at hand. The issue is the validity of their ability to report anything to the credit bureaus without my express consent and wet paper inked signature. Again I will reintegrate. 
1. If my signature is on file giving creditor the explicit consent to furnished extremely detailed reports to consumer reporting agency I would like to receive a copy of that document for my review. 
1.a. If said document can not be provided within 15 days these alleged late payments should be removed expeditiously. Please read up on 15 USC 1681 Section 602 which states the consumer has the right to privacy. Creditor is not allowed to disclose detailed information to a consumer reporting agency without express written consent. 
1. b. Please provide written consent with a signature under consumer law where the consumer has agreed to the violation of said rights. 
1. c. If they can not provide this request document with consumer verified signature expressing full consent their claims become fruit from the poisonous tree and all transactions therefore after are thus illegal activity. Which are fraudulent activities. 15 USC 1681 Section 604 A Section 2 1. d. I demand that company provide this proof immediately as of today, failure to do so may arise in legal action against company for failing to provide authentication of consent in their furnishings. 
2.a. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. It is illegal for the creditors report ANY detailed activities on my credit report. Creditor is only allowed to furnish information on whether a not a transaction was opened or closed. Any other information provided is a direct violation of said consumer law. Late payments are defined as detailed information and goes against consumer law codes. I never gave creditor consent to furnish any information not protected under consumer law. 

I will provide the attached documents where they did not directly answer any of my questions. Instead they tried to straw hat my argument. I will not tolerate that level of disrespect. I will continue to fight for my express rights!
Product: Mortgage

Pnc took over the motage loan XXXX XXXX XXXX XXXXXX/XX/year> Pnc did an analysis stated I was short of {$800.00}. Pnc representatives. Called my insurancecompany XXXX. They XXXX explainI was only short of {$170.00}. They didn't bill me for they, because I didn't notify me.. Pnc did another analysis in XXXX increase again {$400.00} or {$600.00}. I went from {$760.00} to {$960.00}. Once the shortage was paid the mortage was to go down {$880.00}?. Instead my mortgage increase to {$1000.00}. I made numerous of attempts to get assistance from Pnc to verify how and why my mortage would increase {$330.00} in one year. I was told they could see both analysis but couldn't explain why. I sent to the next level up department and was told that's what it was. Rude and couldn't explain. No one can or will explain to me what happened. I do feel there's some fraudulent going on with PNC.
Product: Mortgage

I have been awaiting a Lien Release from XXXX XXXX XXXX XXXX XXXX ever since the buyout from XXXX XXXX XXXX, XXXXsince XX/XX/XXXX2013 and would like to find out what I need to do to obtain this information. I have already contacted XXXX and they state it needs to come from XXXX XXXX XXXX XXXX XXXX 

I would like to have this matter solved soon. This has been an issue when one company sells out to another and does not take responsibility for the customers needs that should have been taken care of originally.
Product: Debt collection

I feel that no one is taking serious this situation, I begging the CFPB to please take care of this matter, on Mon XX/XX/XXXX, at XXXX XXXX I Q Data received a certified letter # XXXXwith a Cease and Desist and an Affidavit of truth marking all the violations they committed. In one of the letters I asked to cease and desist all forms of communication with through any and all mediums, I asked to delete and zero out the accounts from any consumer reports, and to pay the invoice for every violation they committed, I gave them a 30 days period, Its been 30 days and they still reporting the alleged debt, and they have not responded with my requested remedy. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication They should not have any communications through any mediums and they should cease and desist the mentioned activity. If we look at the The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ( They still conveying information regarding the debt through all the Consumer reporting Agencies ) They are on violation. which is not even included in the invoice that I sent them previously. Another violation they committed from the beginning is which is not in the invoice either, 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally. 
I never gave I Q Data a written consent to even communicate with me about this alleged debt, No consent is Identity Theft. 
I'm feeling very frustrated and very XXXX  out about this situation, I have to literally no sleep because I have been dealing with this, and I feel they are going to cause me receiving further injury damages, mental anguish, and looses due to me being a victim of identity theft. 
They are in default of the cease and desist and affidavit of truth I sent them, HOW CAN SOMEONE REBUT AN AFFIDAVIT OF TRUTH?
Product: Credit reporting or other personal consumer reports

Over the past XXXX plus years, I was unaware I needed to provide the credit bureaus with my express consent to furnish my information. Now that I am aware, I no longer wish to have the credit bureau furnish my information. 

I wish to exercise my rights at this time.
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Please see attachments
Product: Credit card or prepaid card

I am writing to file a complaint against Macy 's for imposing illegal credit protection charges on my account that I did not sign up for. These charges have varied between {$60.00} to over $ 100 monthly and have caused me significant financial hardship.

I recently discovered these unauthorized charges while going through my account statement, and I am shocked and dismayed that Macy 's would engage in such unlawful and unethical practices. I did not request any credit protection services from Macy 's, nor did I authorize any such charges on my account.

I am deeply concerned that Macy 's is taking advantage of its customers by imposing these charges without their knowledge or consent. This is a clear violation of consumer protection laws, and I urge you to take immediate action to stop Macy 's from continuing this illegal and unfair practice.

I request that you investigate this matter thoroughly and hold Macy 's accountable for the harm it has caused me and potentially other customers. I also request that you compel Macy 's to refund all the credit protection charges that they have imposed on my account without my consent.
Product: Debt collection

For the past few months I've been disputing a collection on my credit to receive more information. All of a sudden all the mail I sent to Penn Credit got returned to me because their address is incorrect. This is the address that I got from my credit reports. They are not reporting their address correctly, and so I have received no verification of this debt. They never mailed me anything, EVER and I found them on my credit report, I know they are not reporting accurate information. Please help me!
Product: Debt collection

I am writing to file a formal complaint against Credit Acceptance Corp regarding an auto loan account with Account Number XXXX, which was allegedly opened on XX/XX/2017, and currently shows a balance of {$8700.00}. I have discovered this account on my credit report and believe that I am a victim of identity theft. 

The circumstances surrounding this account are deeply troubling, especially in light of the XXXX database breach that occurred around the time this account was supposedly opened. Pursuant to the provisions outlined in 15 USC 6804 and 15 USC 6802 ( b ), I have formally disputed the existence of this account with Credit Acceptance Corp, requesting a thorough investigation into its origin and legitimacy. 

Furthermore, I have exercised my right to opt-out of any information sharing practices related to this account. I have also requested all pertinent documentation related to the account, including applications, signatures, contracts, a copy of the drivers license, and any other information on file. 

Despite my efforts to rectify this situation directly with Credit Acceptance Corp, I have encountered resistance and am concerned about the potential impact on my credit and financial well-being. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this matter. 

I kindly request that the CFPB investigate this dispute and take appropriate action to ensure Credit Acceptance Corp complies with the relevant consumer protection laws. Moreover, I request your intervention to halt any collection activity associated with this disputed account and to address the potential violation of my rights under the Fair Credit Reporting Act. 

Enclosed, please find copies of the dispute letters I have sent to Credit Acceptance Corp, along with any supporting documentation related to this case.
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 {$0.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I disputed this line of credit with Citi Bank debt XX/XX/2016 with the credit bureaus. I never got it removed from my report even though my ex-husband opened the account, not me.
Product: Mortgage

i refinanced a home equity loan with my local bank, who in turn wired the payoff to Bankof the West. Bank of the west would not apply the payoff and close the loan down because they said it was not enough money to close the loan. They had calculated the payoff out another month for a payoff for XX/XX/XXXX, and my new bank sent the payoff for the correct amount on XX/XX/XXXX, and Bank of the west would not apply the funds. After another 5 days passed, Bank of the west debited my checking account for the regular monthly payment, then XXXX days after that, they applied the payoff my new bank sent them and closed it down. I have emailed and called bank of the west numerous times and can not get a response from them. Bank of the west has taken an additional {$1300.00} from me and will not put it back into my checking account. Bank of the west received a payoff from my new bank, and held those funds for over a week even though my new bank instructed them to payoff the home equity line.