23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I noticed by reviewing my credit report that a new credit card account had been opened, without my consent. I did not open the account, nor did I receive any credit card in the mail, and therefore did not have an account number to refer to. 

XX/XX/XXXX-XX/XX/XXXX : made several attempts to contact HSBC and close account, with no success. 

XX/XX/XXXX : wrote letter to HSBC demanding the account be closed and a letter mailed to me stating such. I filed a police report. 

XX/XX/XXXX : I still have not received any correspondence from HSBC, and have never received anything from HSBC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Missed payments for my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX credit card is incorrect. I have never missed or had a late payment with the above creditors. All of my payments has been on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX - Account # 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX To Whom It May Concern, I recently reviewed my Transunion, XXXX credit report and noticed a late payment posted on my account with XXXX XXXX : Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I have never been late on this account and am requesting that you provide documentation proving that a late payment occurred. If you can not supply this proof, I request that you DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - Permissible Purpose of Consumer Reports, it clearly states that consumer reports can only be furnished under specific circumstances, none of which apply here.

In addition, the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( i ), defines exclusions for consumer reports, and the information you reported falls under these exclusions. 

Failure to address this dispute properly will result in legal action, where I will seek {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Please delete the incorrect late payment and provide me with a free copy of my updated report after the changes have been made. 

Best regards, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you check the documents? Some listed accounts are inaccurately reported, with wrong amounts and dates.
Product: Debt collection

I am receiving repeated phone calls from this company and I have no idea what it is for. I have not received any documentation nor have they validated the debt.
Product: Vehicle loan or lease

To whom it may concern, The XXXX XXXX that I leased for 36 months was turned in to XXXX XXXX XXXX on Wednesday XX/XX/XXXX. There were some additional items that I did not agree found during the final inspection that had been done weeks earlier. The Sales Manager XXXX XXXX assured me that he would take care of those discrepancies, which he did, and I walked away from the car. I have leased many times in the past and that was all I ever had to do when the car is turned in early and well under the mile allowance, I have always had great customer service from them. Some weeks later I got a call from GM financial saying I still owe for the vehicle, yet I hadnt received a final bill. The agent stated an amount. I disagreed with the amount stated because XXXX XXXX assured me this was all done with a XXXX  balance. I figured it was a slip from communication from the Dealer to GM Financial. I then had XXXX XXXX call again to see how much the balance was because I knew there was still the matter of a disposition fee. I was right there and listened to the conversation. He was told XXXX balance. The person he talked to was XXXX at extension XXXX. She also said that the final bill was not generated yet and I will be receiving one soon. So Again, I was expecting a bill for the disposition fee. On XXXX, I sent a payment of XXXX to Gm financial. This was the Disposition fee. This was, I was told, The last obligation of the lease. And they said that the derogatory remarks on my credit report would come off. It was strange it took this long to figure it out, but again, I thought it was just a time factor. My biggest concern is that my exceptional credit record of NEVER missing a payment of my thirty plus years of credit record, that GM Financial by no fault of mine can damage my character by reporting that I have missed a lease payment that was not due to them. I have made numerous attempts to right this. I have been told by both the dealership and GM financial that there was a zero balance. 
Since my numerous attempts to right this have failed, I have since involved the Better Business Bureau.. I was hoping that this would get resolved before incurring the added expense of my Attorney. Be assured, my confidence in ever purchasing or leasing a vehicle through GM has been tarnished. Unfortunate, because I really did enjoy the car and the customer service provided by the Dealership. Also, I have made numerous attempts requesting a supervisor to contact me. None have. I would appreciate a reply.
Product: Credit reporting or other personal consumer reports

this company XXXX has violated the HIPAA law ( health insurance portability and accountability act of 1996 ). this company has yet to validate & verify the debts are questioned. i havent sent various letters to these creditors and debt collectors but no one is complying with the FRCA law i have disputed with the credit bureaus XX/XX/XXXX & also XX/XX/XXXX they have responded with the debts being accurate however has not provided and release forms signed by me or even provided any documentation verifying the debts also, per 15 U.S.C 1681 there should not be any damages on my report it is a deflamation on my report
Product: Credit card or prepaid card

I have four weeks if unemployment  sitting on Reliacard at USBank, however, I have never received a card. I have called and been placed on hold for 13 hours over the last few days. The phone calls are randomly disconnected after holding for hours. The only way to email them is if you have a card number. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been fraud and theft on my credit reports, please provide a fraud alert to my accounts and require new inquiries to contact me before issuing new credit and remove all inquiries that over the last 24 months that didnt produce credit. My employer informed me that my identity was stolen and a false unemployment claim was created in my name. My identity was stolen in the past also and credit cards. I informed XXXX Police Department of the most recent theft today. Please remove remove XXXX XXXX  and XXXX XXXX MasterCard from my credit reports also. As a minority in this country I dont feel my identity is protected or credit profile correct. I will provide all information thats needed thank you. Im afraid of all the fraud, I have requested help in the past and havent received any relief and it continues to be a breach my identity.
Product: Student loan

My student loans have already been paid in full which is a billing error on Nelnet end. The payments that they are trying to make me pay is an error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which : ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. 

They are requiring XXXX XXXX  notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an XXXX  complaint will be filed pursuant to 17 CFR 240.15c1-2, IRS 3949a due to Fraud, and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit report and on XX/XX/2020 a creditor reported. XXXX charge and I researched the company as I didn't know the creditor and I have never received services from this creditor. I checked BB and looked at the complaints and many were in the same boat as me with the same amount of XXXX. Please assist. The creditor information as follows : XXXX XXXX XXXX XXXX XXXX Other {$550.00} Status Date Reported XX/XX/2020 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 2 Years, 0 Months Credit Limit Not Reported Highest Balance {$550.00}
Product: Debt collection

Beginning in XXXX this company from an XXXX number began calling my phone asking to whom they were speaking with. The first few times I asked them to verify who they were and type of service company. Each time they have refused to do so. Then I began receiving hang up calls, where they 'd lurk on the phone for a few seconds then hang up. This type of behavior has continued without a verification letter of their business and my involvement. 

Today, XXXX XXXX is the first time I received a name of the company - EOACCA, which according to google is a debt collection agency. Same as before they called, I answered and they hung up. I called back saying I received several hangup calls from them, and asked them to verify who they were and their service. I was told that they needed to verify who I was before continuing. I told him I was n't going to. I asked them to stop placing hangup calls and do not call if they could n't tell me their place and purpose of business. The gentleman said at that point that they are EOACCA. I asked what does that stand for and what is their purpose for calling. He said its not an acronym, and I needed to tell him who I was before continuing. I told him I would n't and asked him again not to call back.
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}, {$0.00}, {$6200.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Wells Fargo Home XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH. XXXX Subject : Notify us of property vacancy ( response ) Loan XXXX Homeowner : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Policy : XXXX Whomever it may concern : Our communication with you regarding this property has been extensive. We have made multiple attempts to work out some form of equitable solution for the return of this property including but not limited to Deed in-Lieu of Foreclosure and Short Sale. These communications with you are all clearly recorded in the conversations that you save when we call in. 

We offered to keep the property maintained to ensure the best price the market would allow, but you refused our efforts. We began contacting you about options in XXXX of XXXX 

In addition, the day we received your notices regarding insurance, XXXX XXXX letters dated XXXX & XXXX XXXX the property had all the locks changed and a lock box installed on the rear door of the residence. We received no notice that this was going to be done, which is against the law. We have been regularly harassed by Wells Fargo during the course of our occupancy of this residence by multiple tactics employed by your firm. In fact, we had our elected State Representatives office get involved with you informally and filed complaints that have been substantiated and recorded by the CFPB. Our experiences with WF included various unethical financial withholdings, improperly calculated tax documentation and subsequent amendments to taxes ( again this year, so we have to do ANOTHER amended return ), misapplied payments, improperly applied interest corrections and inaccurate reporting to multiple credit reporting agencies ( which continues today ). 

We did not abandon this property, but did vacate the premises with the intent of cooperating with the necessary steps to return it to you. The policy for the home was terminated at XXXX XXXX on XXXX. Our insurance carrier notified you of this. We have not received any funds related to policy payments from them. 

I assume that the correspondence to us via regular postal service is a legal requirement, since you routinely contact my wife and speak to her about this situation. 

The home is now inaccessible to us because all the locks have been changed. 

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

I am writing to dispute the reporting of my student loan on all three credit reports, TransUnion, XXXX, and XXXX The loan is listed multiple times on each agency report with varying, inaccurate and conflicting information. 


Please verify all reported sections on these accounts. The late payments on this account are over seven years. I have worked diligently to rebuild this account to a good standing status. This inaccurate and outdated reporting is detrimental to my credit score and does not accurately reflect my current account status.
Product: Mortgage

I have my property at XXXX, Georigia - XXXX. My loan is with Nationstar Mortgage LLc., I have reached 78 % of LTV on my loan on XXXX XXXX, XXXX. As per 'Home Owners Protection Act '' of XXXX, Nationstar Mortgage LLc., has to automatically terminate collection of PMI which is private Mortgage Insurance from XXXX XXXX, XXXX onwards. They are still collecting XXXX dollars every month knowing full that as per the Act they will have to refund. I took the matter to XXXX and they are not removing and say the principal balance to reach 78 % is XXXX XXXX, XXXX and when I reach the Principal balance of 78 % on XXXX of this year, XXXX, they will not remove even though I have reached the 78 % LTV one year before and they treat the earlier reaching as early removal and as borrower requested PMI removal at 80 %. I want the PMI to be automatically removed since I reached 78 %. My loan account number with them is XXXX.
Product: Debt collection

I have received calls from these folks for 2 years I have blocked and ignored reported to the company they have the wrong number however they continue to call me. There has to be a stopping point even if I did had a debt what company calls a person everyday 3 to 4 times a day for 2 years? When this company calls they are leaving a message for a XXXX. That's not me I have explained that.
Product: Payday loan, title loan, personal loan, or advance loan

This loan company has been harassing me and my emergency contacts. Even whilst making my payments. Ive asked them not to call me multiple times and even set up payment plans but they continued to harass me and i have them on videos saying they will continue to harass me
Product: Credit reporting, credit repair services, or other personal consumer reports

So, please look at my credit report. I have never been late with any payments. I have never been in bankruptcy or anything else. I pay my revolving debt in full each month. I am ahead on my mortgages. I have 2 zero % credit cards that I am utilizing ( which I would consider a good cash management practice ). I maintain several bank accounts with averaging $ XXXX XXXX month. These are liquid accounts at regional banks, does not include retirement assets or anything. So would you please tell me why my credit dropped upwards of XXXX XXXX in one fell swoop? From XXXX to XXXX 
Further there is no mechanism to question the scoring models, or agency or person or company. Thats a bit of problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX Filed on XX/XX/year> Reference number : XXXX, has violated my right. 



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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX Have 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 States A Consumer Reporting Agency Can Not Furnish A Account Without My Written Instructions.
Product: Debt collection

I received a letter from Mercantile Adjustment Bureau , LLC on XX/XX/2022. I responded and mailed the form back to them within a few days as they requested the following information. 

How do you want to dispute the debt? 

I want to Dispute the Debt : A. The amount is wrong and the payoff was to be and I paid {$410.00} to XXXX XXXX XXXX to settle 2 years ago. 

Quit contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to ask that you please review your records for me and make any necessary corrections. I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date, and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. The only name I go by is XXXX XXXX. Please remove any name you have in your system that does not match XXXX XXXX. The only residence I reside at is : XXXX XXXX XXXX XXXX XXXX, GA XXXX. Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX, GA XXXX.