23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As Personal Representative XXXX appointed XXXX XXXX 2015 XXXX for my father 's estate, I have been paying his bills ( since this date ). 

Bills from North Shore Agency XXXX NSA XXXX have been forwarded to my home address ( XXXX XXXX from my father 's address XXXX. 

I can understand the first couple bills I paid to NSA, which were XXXX dated less than one week after my father passed away as being legitimate, but not brand new bills eight ( and more ) weeks later. 

I received a bill dated XXXX XXXX XXXX for " XXXX XXXX XXXX '' for {$46.00} ; this bill stated " THIS IS NOT A " FINAL NOTICE. '' '' I received this on/about XXXX XXXX XXXX and promptly tried calling XXXX XXXX XXXX XXXX ) and left messages with NO call back. 

I then wrote and mailed a letter XXXX XXXX XXXX to NSA XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX ]. I stated that this was the FIRST bill in this amount, essentially TWO MONTHS after my father passed away, questioning the veracity of this bill, that I could neither " verify nor validate that my father ever even received this publication. '' I stated in this letter whose voice mail I left a message for XXXX XXXX XXXX, XXXX?? ), at ( ( XXXX XXXX XXXX ). 

Furthermore, I requested that my father 's account be closed. Permanently. 

Then, yesterday ( XXXX XXXX XXXX XXXX, I received yet another bill from NSA, also for " XXXX XXXX XXXX, '' but for a different amount altogether. This bill was dated XXXX XXXX XXXX in the amount of {$44.00}. This bill now said " DEMAND FOR PAYMENT. '' Yet, apparently a different product, given a different ( and smaller XXXX dollar amount. 

XXXX bills are attached to this complaint. I have never dealt with a company who bills months after the fact, and from a collection agency this seems very suspect to be receiving bills so long after my father passed away. And to not be able to 1 XXXX talk to someone from this North Shore Agency, nor 2 ) get the specific company this bill is originally from to stop these billings AND future mailings XXXX if this product is forwarded, nothing has been received by me ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase a XXXX XXXX from XXXX XXXX in XXXX mass I had a trade in I was told I was approved and the loan was for 48 months I signed all the paperwork took delivery and the next day I was asked to resign I had to resign 3-4 times all electronically and never was shown or received paper work the only time I was showed the paper work was the first time come to find out they changed the term to 84 I contacted the dealer and the sales manger was terminated. I have also contacted XXXX  XXXX XXXX and told them I had electronically signed the key pad at the dealer and it was a bad loan and I never received a contracts or documents. I was told there was nothing they could do from there I told them to come get there car due to the pad note they had me sign my credit report is now showing a charge off I am going to try this route first before filing through the courts I would like to see this off my credit seeing I did n't have it more than 45 days it also took XXXX XXXX XXXX almost 9 months to locate the car in which I told them I dropped it off right after I seening the fraudulent loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my credit report for over ten years. My complaint are agaisnt the three credit bureaus XXXX, XXXX, TransUnion :!. ) reporting Inaccurate history 2. ) Failure to not report disputed iteams 3. ) Refusal to correct information after proof has been giving XXXX. ) Abusive calling of collection agencies 5. ) being harassed by collection agency. 
XXXX XXXX XXXX ( XXXX & XXXX, XXXX ), states I owe them {$7000.00} for a vehicle I was a cosigner on. The vehicle was sold at acution, I had another vehicle that was repossed and sold at acution, they sent me a 1099-G. XXXX XXXXXXXX ( XXXXXXXX XXXX ) says I owe them {$160.00} for car insurance that I did not have with them. I am tired of playing this game with the three credit bureaus and collection agencies. I can ; t get a home, a car or live life at XXXX because of mis reporting and misconduct towards my credit ENOUGH
Product: Mortgage

Our mortgage was serviced by Loancare on behalf of XXXX who purchased our loan. We paid off the mortgage in full in XXXX of XXXX. We received a loan payoff notice on XX/XX/XXXX from Loancare acknowledging that they would " forward the satisfaction/release of mortgage to the courthouse for proper removal of the lien ''. To date, they have not done so. It is now XX/XX/XXXX. This is in excess of 18 months. 
We spent the last year and a half attempting to get our stock certificate returned to us to no avail. Loancare would not admit they were not in possession of it and we had to explain on end for hours how a cooperative building worked and that we needed our stock certificate or an affidavit to be provided stating that they were not in possession of ( lost ) it. After having multiple tickets opened up that led nowhere, we finally got the CFPB involved and that deficiency was resolved. 
I am hoping the CFPB can help us again this time as we have tried numerous times to get our lien removed since we resolved the last issue, but it looks like XXXX no longer has record of our account with them ( we've been paid off for over a year and a half now ). We are selling the apartment, but are once again being held hostage because Loancare 's gross incompetence in following through on procedures is preventing us from having a clean title.
Product: Credit reporting or other personal consumer reports

back in XXXX and XXXX The DEPT OF ED/XXXX  started to reporting inaccurate Information on my credit report I've made numerous request for the to remove these inaccurate Information on my report and nothing I also ask the to send me proof that they send me a letter stating my account was going to be late, this company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. also I've paid off two of this accounts and its still reporting inaccurate on my credit report I would like for them to remove these inaccurate report on my credit report..
Product: Credit reporting or other personal consumer reports

Subject : Request to Cease Reporting Financial Information to Credit Bureaus Under Federal Law Dear Sir or Madam, ( XXXXXXXX XXXX CREDIT BUREAU & THE REPORTING CREDIT BUREAUS ) I am writing to formally request that XXXX XXXX immediately cease reporting all financial information related to my XXXX XXXX accounts to the credit bureaus and remove any such data from my credit report. This request is made in accordance with my rights under federal law, specifically 15 U.S. Code 6802 ( b ) of the Gramm-Leach-Bliley Act ( GLBA ), which grants consumers the right to opt out of nonpublic personal information being shared with third parties, except under certain conditions. 

According to 15 U.S.C. 6802 ( b ) ( 1 ), financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless : The institution provides clear and conspicuous notice that such information may be disclosed.

The consumer is given the opportunity to opt out of such disclosure.

The consumer is provided with an explanation of how to exercise that option. 
I am exercising my right under 15 U.S.C. 6802 ( b ) to opt out of any further disclosure of my financial information to nonaffiliated third parties, including credit reporting agencies. Additionally, under 15 U.S.C. 6802 ( c ), any third party that has received my information from XXXX XXXX is also restricted from further sharing it, which includes credit bureaus.

Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information furnished to credit bureaus if I do not consent to its disclosure. Since I am expressly revoking my consent for XXXX XXXX to report my financial data, any continued reporting would constitute a violation of federal law. 

I kindly request that XXXX XXXX and the credit bureaus promptly process this request in accordance with federal law. Failure to comply will leave me no choice but to pursue legal action to enforce my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Please provide a written confirmation of your compliance with my request within 30 days of receiving this letter. If you require any further information to process my request, kindly inform me in writing at the address provided above. I have attached a copy of the above referenced law in the file attached called, XXXX XXXX XXXX. It is hope that you will honor my request as if you fail to do so then I will be forced to seek legal actions to preserve my rights based on the laws listed in this notice. I am still liable for all debts owed to XXXX XXXX but I am exercising my rights to opt out of having my information shared with any third parties including the credit bureaus. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2018 Trash creditor with usurious lending practices. Swiftly and orderly remove junk fee of {$39.00} that you're not charging new customers to same card for. Unfairly charging me for credit card add-on benefits I did not receive. 

Spoke to Capital One on XX/XX/2018 to no avail. Drone like echoed Terms & Conditions while acknowledging fee is no longer charged for same card. Contradicted self after stating that during times they run a promotion for no " membership fee '' then they'll waive fee for current customers. Do not drag feet on this. 

XXXX XXXX
Product: Debt collection

IT'S A MEDICAL BILL. I HAVE NOTHING TO DO WITH THIS HOSPITAL NOR DID I RECEIVE ANYTHING SHOWING IT WAS MY ACCOUNT. I DON'T EVEN KNOW WHERE THIS IS AT. I HAVE SPOKEN WITH THEM AND IT WAS SUPPOSED TO BE REMOVED. NEVER HEARD BACK. THEN IT'S BACK ON MY CREDIT REPORT AGAIN. NO MATTER WHAT I'VE DONE IT'S ALWAYS THE SAME DEAD END. THEY DID NOT FOLLOW THROUGH WITH REMOVING. I SPOKE BY PHONE. DIDN'T RECEIVE LETTER OR RESPONSE, JUST HIT MY REPORTS.
Product: Vehicle loan or lease

My complaint is with Bank of America XXXX XXXX affected me from XX/XX/XXXX-XX/XX/XXXX. I pay a vehicle loan by monthly and a payment would be due in the middle of the XX/XX/XXXX. The storm wiped out all communications. The financial institution was not open. 
I have been unduly charged a daily finance fee for not making a payment on time. This institution is collecting funds that are not due them under the conditions florida & I were dealing with.
Product: Debt collection

Approximately, XXXX of 2018 I removed my name off of the lease from XXXX XXXX XXXX XXXX, the leasing agent at XXXX XXXX assured me that the lease was solely in my former roommate 's name and the cosigner. 
I have recently applied for a new apartment to lease and this debt showed up on my credit repost to my surprise. 
I contacted the debt collector and had XXXX success so I then contacted the apartments. I was told the apartments were sold to a new leasing agency and they have no records. 
I then contacted the previous leasing company ( original agency from when I lived there ) and the lady told me that she does not have any record and if she finds anything then she will email me. 
Unfortunately, I do not have time to wait nor do I feel it necessary to pay XXXX for something that should not be affecting my credit score. 
I greatly appreciate any help you can give me with this issue. 

Kindest Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX  XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XXXXXXXX XXXX Bank XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX and have told this company and the XXXX credit bureaus as well as sent all my documentation and u am XXXX!! My XXXX  did this not me so take it off my credit report now! You are preventing my daughter and I getting to safety!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2022 I am tired of my rights being grossly violated. 
Why havent these accounts been blocked and deleted? 


EXPERIAN never did do the 4-day block and remove notice I gave them on the XXXX of XXXX.that they are required to do according to 15 USC 1681c-2 Block of Information resulting from identity theft. They are still reporting on my report the companies and inquiries I reported as identity theft on Identity Theft Report # XXXX and Identity Theft Report # XXXX as of today 's date.. 

I am supposed to be notified promptly whether the block was done or declined and the reason why and proof of why it was declined as they are required by 15 usc 1681c-2. 
I want to see contracts/consent forms with my signature. 

My notice was given on XX/XX/XXXX, today is XX/XX/2022. 
See attached Im contacting the attorney general if this situation is not promptly resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently checking my credit report I discovered some unknown accounts. I've already sent out an FTC complaint and CFPB complaint as well. Please be advised I am disputing validation and proof of claim of the disputed debt requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but simply a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # 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 seen an ad on XXXX XXXX for the Oportun XXXX by XXXX. Their website clearly states that you can get Prequalified without affecting your credit score. This implies a soft inquiry before you apply with a hard inquiry. When you go through the steps it does a hard pull, not a soft pull. That is false advertising as a hard pull does affect your credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

CoreLogic sent me a copy of my consumer disclosure report. On that report, there were numerous variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the personal information data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.
Product: Mortgage

Briefly : I wanted to re-cast my loan after lump sum payment. Mortgage servicer declined request and agreed to refund lump sum, but greatly delays refund process. 
In details : Early XXXX I contacted my mortgage loan servicer PHH Mortgage regarding the loan re-cast procedure. They explained me that I have to pay lump sum first and then apply for loan re-cast. In the case request is declined, they would return money back upon my request. 
On XX/XX/XXXX I wired {$70000.00} total as a lump sum and on XX/XX/XXXX sent a request for loan re-cast. On XX/XX/XXXX PHH Mortgage confirmed the receipt of request. 
On XX/XX/XXXX PHH Mortgage declined my request due to the active buydown period. 
Same day I sent them a request to refund my {$70000.00} payment due to inability to re-cast the loan. 
On XX/XX/XXXX they confirmed the submission of payment reversal request and asked XXXX business days to process this request. 
As of today, XX/XX/year>2025 they still didn't return my payment back, continiously asking for more time under different reasons. 
Please help me to get my payment back.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and registration E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

Midland Credit Management filed a lawsuit that stating that I owe {$2000.00} stemming from XXXX XXXX in XXXX. I went to court to advise this was not me they requested a fraud investigation. I filed information and mailed copies to firm. I still was notified to come back to court on XX/XX/XXXX @ XXXX where I will present my documents to the judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with XXXX and XXXX credit for 6 years. I bought a new XXXX in XX/XX/XXXX and my first payment, due XX/XX/XXXX and paid XX/XX/XXXX was applied to a previous, closed account. XXXX reported 30 day lates to the bureaus for 2 months because of this. A letter was provided to me by XXXX that acknowledges the reporting error and internal correction. 

We have been in Escrow on a new house for our family of 7 but this dropped my score 100 points and made us ineligible for the loan. XXXX, who is working with our lender to get my credit score fixed, asked for the tense in this letter to be amended from future to past so that they can submit to the bureaus with a rapid request. That requires one single word to be changed from will to have. XXXX refuses to do that and now we have lost our home. I have been told that there is nothing left that anyone at XXXX can do to help. 

In 6 years, I have never missed or been late on a payment to XXXX. This has dropped my score so significantly that APRs on my credit cards have increased, while credit limits have decreased. 

XXXX told me on XX/XX/XXXX and multiple times since, that they have sent a letter of correction to the bureaus. Yesterday, XX/XX/XXXX, they admitted that wasn't true and just a nightly data feed is sent to the bureaus.
Product: Checking or savings account

An unauthorized withdrawal of {$1200.00} was taken out of my account on XX/XX/XXXX ( see exhibit A. ) without my permission through Arvest Bank. On Friday XX/XX/XXXX I went to Arvest Branch # XXXX XXXX XXXX XXXX, XXXX Oklahoma XXXX to resolve the matter, was told by an employee that another Arvest employee must've input a wrong number and that the money would be back in my acct. by Monday XX/XX/XXXX, she wrote up a complaint I signed it and was given a copy ( see exhibit B. ). On XX/XX/XXXX. I received mail from Arvest stating that an adjustment has been made to my account balance and that they became aware of an error involving my account on XX/XX/XXXX, and that they were decreasing my acct. by {$1200.00} ( see exhibit C. ). being that I just opened this specific account on XX/XX/XXXX ( see exhibit D. ), I knew that the mailed statement was false. On XX/XX/XXXX I went into the XXXX XXXX XXXX  XXXX XXXX, XXXX, Oklahoma XXXX, with the mailed statement asking for the proof of this withdrawal " XXXX XXXX '' said her mgr. was not in the bank and she called out for help and was inquiring about the situation and neither of the 2 were able to find anything. After searching for a little " XXXX XXXX '' explained to the lady on the phone that she had located the discussed transaction and began speaking to me again, I asked for a copy of this information and she was like sure, she came back with a copy of a transaction log summary list, with this copy there was a list of other customers information ( 11 ) customers to be exact all in a row each with {$1200.00} transaction amts. showing on all ( 11 ) individual accts. She explained that only the highlighted row was pertinent to my acct. I disagree with the statement reasoning. I never authorized this transaction.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  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 an 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.