23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX - We received a notice from Aspen Collection Agency concerning a debt of {$1100.00} owed to XXXX XXXX XXXXt XXXX XXXX, a timeshare company in Nevada. Previously, I have requested signed contract paperwork or an acknowledgement form concerning the maintenance fees charged by the timeshare. I had been requesting these documents for several years previously, both in writing and via phone. The timeshare company has not been able to provide me with any paperwork obligating us to continue to pay for these fees. 

On XX/XX/XXXX I responded in writing to Aspen disputing the validity of the debt and again asking for any signed paperwork or documentation obligating us to the debt. 

On XX/XX/XXXX - I received a response from Aspen, but there was not any accompanying documentation that I had asked for. It was a repeat of the previous letter sent in XXXX. 

On XX/XX/XXXX. XXXX - I sent a written letter repeating that the debt is being contested and my request for documentation concerning the debt owed. 

On XX/XX/XXXX - I received a response from Aspen. I did receive an attachment of the XXXX Deed recorded on XX/XX/XXXX with our names handwritten by unknown persons on the Valuation form, however this form was not signed an unfamiliar to me. An additional document was provided with the XXXX XXXX  XXXX XXXX handwritten on the front page with no signatures. 

For the third time- I re-iterated that I am contesting this debt until I could be provided with a valid signed contract indicating that I am responsible for this re-occurring debt. The documents that have been provided did not include any signatures of my wife or myself. Additionally, no official contract has been provided, but a partial document with no identifying information. 

I have been very courteous in my written discussions. We have kept on open line of communication and discussing in good faith with all involved. However, instead of helping to fix this situation, Aspen Collection has chosen to report the contested debt to the XXXX Reporting Bureau.
Product: Debt collection

I had a XXXX account and the account was in barging with FTC which a complaint was submitted and responded to and so was the XXXX alerted and complaint was responded too. Which at that point due to sprint negligence with the FTC and XXXX this account needs to be removed. Documentation and proof is provided.
Product: Vehicle loan or lease

This company calls me multiple times a day if I am even 1 day late on my payment. I have asked them to stop calling me so many times a day but they will not. They call at least 4 times a day from 2 different phone numbers. Today they have called 4 times in 4 hours yesterday was the same. 

I have attached screenshots of the phone calls.
Product: Consumer Loan

XXXX keeps calling me several times a day, harrasses me at work with is against the law, calling friends, threatening me
Product: Debt collection

I am requesting the Trustee information for this account XXXX are in violation it says Carvana is the grantor of my trust and thats fraud. Carvana also sold my private information to a third party debt collector XXXX. The Fair Debt Collection Practices Act allows to pursue damages, statutory damages. 

Pursuant to 15 USC 1692a Pursuant to 18 USC 914, states whoever falsely personates any true and lawful holder of any share or sum in the public stocks or debt of the United States, or any person entitled to any annuity, dividend, pension, wages or other debt due from the United States and under color of such false personation, transfer or endeavors to transfer such public stock or any part thereof, or the money of any person really entitled to recieve such annuity, dividend or other debt shall be fined under this title or imprisoned not more than five years or both.

Pursuant to 15 USC 1692e states, Protects I the consumer against false representation, misleading statements, threat of action and unfair practices that can not be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXXDEPT OF ED # XXXX, Has violated my Rights ...... 

15 U.S.C 1681 section 602 A. States I have 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 report containing any of the following items of information any other adverse item of info other than records of convictions of crimes which antedates the report by More than XXXX years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate
Product: Credit reporting, credit repair services, 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 XXXX XXXX, Account Number # 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. 

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of two accounts on my credit report, namely : XXXX XXXX Account Number : XXXX XXXX XXXX [ Last four digits obscured for security purposes ] XXXX XXXX  Account Number : XXXX XXXX [ Last four digits obscured for security purposes ] Upon careful review of my credit report, I have identified that these two accounts do not belong to me and have been erroneously included in my credit history. I have no association with these accounts, and their presence on my credit report is inaccurate and misleading. 

I urge you to investigate this matter promptly and remove the aforementioned accounts from my credit report. The inclusion of these unauthorized accounts has the potential to negatively impact my credit standing and overall financial well-being. I appreciate your attention to this matter and request that you provide me with a timely update on the resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with your company since XX/XX/2018, and during that time, have enjoyed our experience with XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have two late payment ( s ) on the above referenced account in XX/XX/2018 and XX/XX/2018. Since that time, I have been an exceptional customer paying every month on time and never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit at Equifax. I now can not unfreeze the credit. The company 's website, IVR phone system and contact centers are not working ( the recording says due to Covid ) or allowing the unfreeze. There is no one available to speak to. I am urgently trying to complete an application and co-sign for a place for my aged father to live. We can not complete an application if the credit is frozen. We are extremely frustrated and angry that our father 's housing and safety is at risk because Equifax can not support the essential function they have been given the responsibility to manage. We have tried to resolve this for days with only dead ends. We have tried calling, e-mailing, faxing, web site communication, and they are all inoperable and or not effective.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems to me the credit rating/point system is designed to keep you back oppose to elevate you. Every time I look at my credit report, points are reduced from my score because I use my cards. This happens despite the fact that I pay my bills on time or should I say ensure myself to replenish what Ive used. Each time my credit card balance rises points are reduced from my score. However, if I replace the amount that was reduced I dont receive the same number points added back to my score. Example : If my usage rate increase by 30 % XXXX have XXXX points reduced from my score. But if my usage rate decreases by 30 % I might get XXXX points added back. It seems the system is designed to punish not reward. Why is that?
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and running. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months bit i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email linked to my paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I just recently got a divorce and the Judge gave me back my maiden name and I did send to all three credit agencys. So I ask for my report and it still says XXXX XXXX and that isn't my legal name anymore, it's XXXX XXXX. I also sent letters for them to remove old addresses because according to the XXXX, it isn't delivery mail. They won't take off. They told me to take out more credit cards so I did, they said my score would go up. Not ur went down. I'm a XXXX  XXXX XXXX  and I'm trying to get my life in order. HELP
Product: Checking or savings account

Fraud, someone opened a bank of America checking in my name
Product: Debt collection

I have contacted this company by mail numerous times requesting verification of debt or removal from my credit report. They have still not conformed and sent me proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely disappointed in the service I am receiving from Experian. Im a victim of identity theft and they have made me feel as if Im in the wrong for pointing out the errors on my credit report in which are not mine. One of the agents I spoke to about the lowering of my score after disputing 30+ hard inquiries and XXXX open accounts with large debt amounts were removed from my credit report, I thought it would have raised it but one of the accounts Im still fighting to get it off caused a huge decline and that agent told me I should have left all the fraudulent stuff on my account and I wouldnt be worrying about a decline I was appalled by that and felt like Experian doesnt have much sympathy for the identity theft victims that rely on them to report correct and accurate reports since they are the ones in control of if I am able to get a business loan or not. As of right now Im having to put my business plans to a holt because I now have a fraud alert on my credit and the fraud account is still associated with my report. Because of their inconsideration and rude customer service im left to just shut down my life and have an embarrassing mark on my credit in which I cant complete my reconsideration to the XXXX and create income for myself. Im a victim and Experian is just kicking me down further rather than help me succeed. Oh let me add that I submitted a police report and still havent taken the incorrect account off.
Product: Credit reporting or other personal consumer reports

The inquiries i have listed should be removed, this can't be a factual record I do have file the FTC report which i attached in the complaint this info should be removed in 24 hours otherwise i may take this thing to the court, this not something i going to take light, please help me with this, Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights Here are the inquiries listed below : 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 reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

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

This account has been disputed several times with all credit bureaus and each time the account is deleted because it was opened falsely form identity theft. Unfortunately, the account continues to report false and negative information even though this account is more than 7 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX XXXX Balance {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the Fair Credit Reporting Act the companies below has violated my rights XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX, XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX & 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 : I sent requests to LexisNexis Consumer Center to advise the court name was invalid for public record and must be deleted from report. 
XX/XX/19 : LexisNexis sent letter stating the information was verified. 
XX/XX/19 : LexisNexis sent letter stating disputes had been opened with XXXX, XXXX, and/or XXXX but have received any results. 
XX/XX/19 : I sent Method of Verification Request to LexisNexis for proof including documents with my signature within 15 days or delete inaccurate data from my report. 
XX/XX/19 : Have not received response from LexisNexis for Method of Verification Request. 

It is my understand under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) it is my right to ask for proof and to have accurate information in any report. LexisNexis has not provided me proof within the  15 day requirement or deleted the inaccurate data from my report. It is also my understanding if requested the credit report agency must have all signed documents in their own possession ; independent of credit reporting bureaus as proof of accuracy of consumer information. LexisNexis is in violation of my rights under the FCRA.
Product: Mortgage

I have extended my credit to Southeast Mortgage for a Mortgage Consumer Credit XXXX  on XX/XX/2022 with XXXX XXXX. I informed XXXX  that I hoped they was not providing generic contracts as they are to have adequate disclosure pursuant to Federal Law. Pursuant to 15 USC CH 41 doesnt define a loan nor a borrower so neither can I and I have informed XXXX XXXX the same. XXXX has provided me with a Uniform Loan Application and my name as the Borrower. 

Southeast Mortgage are coercing me into paying for a down payment/closing cost but Financing is involved which includes the sum of all charges which violates 12 CFR 1026.4. Next, they are denying me my rights as a consumer of extending my credit to them and creating a false and deceptive loan form under XXXX XXXX XXXX which is for the lender and not the consumer which violates 12 CFR 1002 -Regulation B, ECOA. I asked Southeast Mortgage General Counsel XXXX XXXX, CEO XXXX XXXX, and Vice President XXXX. XXXX to provide me with a typed consumer credit transaction form and make it clear that I am extending my credit where there will be no security interest, no lien, and no down payment necessary as stated in Federal Law and CFR Regulations. I asked if Southeast Mortgage operated under The Truth in Lending Act and they proceeded to say that they operated under regulations but not FEDERAL LAW. I can name more violations on how Southeast Mortgage is violating multiple Federal Laws but all I asked for as a consumer for a fair and equitable mortgage consumer credit transaction. 

The CEO XXXX XXXX did not protect me as a consumer who has Consumer training of 11 years within his biography on southeastmortgage.com which is false representation of oneself. I also informed them that I have a right to exercise who I am under Consumer Credit Protection Act-Federal Law and if they chose to do anything other than what I am asking then you are in violation of discrimination, as a courtesy please refer to 15 USC 1691 .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX. XXXX Subject : Formal Dispute Under XXXX U.S.C. 1681i ( a ) 6 ( B ) 3 15 U.S.C. 1681i ( a ) 5 ( B ) To Whom It May Concern, I am writing to dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which outlines my right to dispute and have inaccurate items investigated. YOU HAVE MY SOCIAL SECURITY NUMBER WRONG. IT DOES NOT END WITH XXXX IT ENDS WITH XXXX!!!!!!! 

The following items appear on my credit report and are incorrect or unverifiable : XXXX. Late Payments ALL APPLICABLE XXXX. Charge-Offs/Closed accounts : XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX XXXX. Inquiries : XXXX XXXX XXXX XXXX on XXXX These items are inaccurate, outdated, or otherwise unverifiable. I am requesting that you investigate these accounts promptly and either correct or delete them from my credit report as required by law. 

Enclosed are copies of supporting documentation, including [ a copy of my credit report highlighting the disputed items, identification, and any other relevant evidence ], to assist in your investigation. 

Please provide a written response detailing the outcome of your investigation within the timeframe allowed by the FCRA. If the disputed items can not be verified, I expect their removal from my credit report in compliance with the law. 

Thank you for your prompt attention to this matter. I look forward to your reply. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a new vehicle in CA XXXX from Hyundai and have been having issues related to having the title transferred to my home state of TX. I am unable to get ahold of anybody when I call the customer service line. I completed the title transfer application on the Hyundai Motor Finance website almost 6 months ago and have not heard anything in regards to the title transfer status.
Product: Debt collection

I made a complaint this morning already. Shortly after I submitted it I got another call. I told them to put me on the no call list and that this was the XXXX call Ive received since XXXX The guy said hed put me on the no call list. Less than an hour later I got another call. The XXXX call since XXXX. It was a different person on the phone and she told me no one put any notes in my thing to not call me or put me on the no call list. Theyve called me XXXX times this morning all ready, XXXX XXXXXX/XX/year>. Once since I told them to stop calling me.
Product: Debt collection

This account had a 0 balance and was reported as closed in XXXX of 2020. This was a secured credit line and I received my deposit after the account was closed. After this happened they proceeded to mark my account as repeatedly past due and left derogatory marks on my account.
Product: Debt collection

Midland Credit Management Inc ( MCM ) XXXX I received a letter from Midland with an attempt to settle a debt in the end of XX/XX/XXXX in which I immediately sent a validation of this debt to on XX/XX/XXXX. Certified receipt of the item was XX/XX/XXXX which is attached. Clearly stated what I wanted the Collection agency to verify. There was no response so I sent another letter stating there was no response on XX/XX/XXXX and that they failed to validate within 30 days of my letter sent. Mid to late XXXX I got a letter from Midland to let them know what I am disputing which was clearly made in the 2 first letters sent and they have ignored my request. XX/XX/XXXX I have sent an estoppel for clearly ignoring my requested information which they still have not provided.
Product: Credit card or prepaid card

My identity was stolen after my XXXX  was broken into. I have police report. After a couple of weeks of that happening charges were made from all my bank accounts into a Chime account that i had never even opened or created. They were aetting up my work direct deposits stealinh money from any fjnacial institution i had, and yet when i found out i contacted them and they wouldnt even care about anything i had to say. So i got access to this account created in my name and funded thru my other banks and filed a dispute of identity theft and requested my money. They simply chose to close the account and never respond to my disputes. closed my account and completly denied my diapute and basically allowed over XXXX to be stolen from mw. This is nonsense and they steal people 's money