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

There are a few accounts on my credit report that are invalid and not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 15 U.S.C. 1681b ( a ) ( 2 ) : 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 ) Section states : 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 is inaccurate.
Product: Mortgage

part of the National Mortgage Settlement, BofA Modified my first TD and was to extinguish the 2nd Mortgage Lien. This is included in the judgment. its also listed on page 12 of the National consumer Law Center " understanding the National Mortgage Settlement '' it states : Bank of American delivers additional second-line mortgage relief to homeowners through an extinguishment program. The bank sends borrowers including those who have filed chapter XXXX or chapter XXXX bankruptcy, a one page letter describing the program. A Homeowner who does not want the mortgage lien extinguished must contact Bank of America within 30 days. if the homeowner does not respond, the second lien is released and the associated debt forgiven. Given the opt-out structure, participation rates in the program are reportedly extremely high. Bank of America reports these extinguished debts to credit bureaus as paid in full. .... this is my case, i currently have a creditor who is trying to foreclosure on my property relating to the 2nd mortgage that was extinguished through the National Mortgage Settlement judgment. They have filed for a notice of sale and was force to file Bankruptcy because they do not want listen and review the National Mortgage settlement act. B of A did not complete the process and filed the Recon to release the lien as stated in the law suit. My first was modified and part of the principle was forgiven. The company who is acting as the lien holder for the 2nd does not want to acknowledge and is requesting for the foreclosure proceedings to continue. Its been so much pain going through this process again knowing they dont have any rights for try and collect on a 2nd mortgage that was included in the National Mortgage Settlement judgment.
Product: Consumer Loan

I traded in a car that I had financed only months earlier for a newer car actually I traded a XXXX dodge caliber for a XXXX dodge charger worth about XXXX monthly payments to be XXXX per month the salesman told me I could split payments which sounded great however I only make XXXX per year and was very naive and my first time purchasing anything period chrysler dodge sold me the car and chrysler capital financed it chrysler capital knew nothing of split payments over the life of the loan I would wind up paying over XXXX dollars I think all things considered that loan should have not even been approved I have lost the car to tickets the insurance lapsed because I could not keep up with all of it the car is in possession of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the college closed for fraud of students funding, I was not able to attend school but left with a defaulted loan, I have also got a freash start loan and reported the college to the department of education the information can be found on the inter net about the school decite they used my sss # in fraud and caused this error to appear on this account as owed by XXXX XXXX, And he being the the victim suffers from the false reporting agent and school reports of the record as true. I have reported thse agents before and nothing of as yet has been done about the issue with the school and the three credit companies XXXX XXXX, XXXX, and XXXX  credit reporting agents, they are using my sss # without my consent in lure of fraud with the collage XXXX university .the information is on the internet that the school is a fraud, and closed down they have not reported this info and probley wont, because they skim the systems school district and get the students money, remove this false info its fraud done by the school its a big problem and they breached contacts and i reject them to hold any information of mine, they have no consent nor right the give this info to others, and please remove it within 6 days so i can move forward after this notice given again today
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 XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : 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 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.
Product: Payday loan, title loan, personal loan, or advance loan

I had a payment on XX/XX/XXXX I got an email that the payment didnt go through today XX/XX/XXXX. The amount was {$220.00}. Now the balance is {$590.00}. I am overdrawn in my bank account. And Im trying my best to get that resolved. I am barely making it Im on a fixed income. I called in and spoke with an agent named XXXX. And she told me that Im at risk of going to collections. And to move a payment she needs 50 percent I have had cash Central since XXXX of XXXX I have not missed a payment. This is the first time. I have other expenses to pay I have bills and a roof over my head to pay. Last month I was out of town due to a family emergency it has been difficult to get back on track due to my hours getting cut. I called back and spoke with another man I explained the situation and he asked what I wanted to do. And I asked what options there are because I have no way of paying. He asked if Im able to make a payment in two weeks I said I hope I can and he was very snarky towards me he asked me whats going on I said Im in a hardship and he goes what do you mean by that? He went to make a change in the account and he claimed that he couldnt access my account because another agent was in the account. And it was the previous agent that I spoke to it says my account will be charged off and sent to a 3rd party collection. This is not a fair. And I want to come to a resolution to this matter. This has been very tough time for me. My account is overdrawn and I have no way of making up the missed payment. I want to consider an arrangement or come up with a settlement and not do business with this lender again.
Product: Student loan

On 2009, my XXXX year old daughter and I inquire at XXXX College ( formerly XXXX XXXX College ) about their XXXX XXXX   XXXX ( XXXX ) course. The person on Admission explained to us that there are Government grants that they can help my daughter to get into the Program. Next thing I knew, they made me sign some papers without disclosing to me anything, but as a parent of the student because If they disclose that I will become a co-signer or will owe some, we will not proceed. Couple of years later, I started receiving Invoice from a company called ECMC that I owe them from XXXX College. Because of my Ignorance at that time, i made few payments of $ 300-350, then when I miss some payments, ECMC wrote me a letter saying, just make a payment of {$100.00} per month for twelve months, the loan will be finished. So, I did gave my bank information and they were taking automatic payments for one year.  Later on, I received Invoice or bill from company XXXX and said, it was sold to them. I started to keep wondering, how did this ever happened well in fact i never signed anything from the school. I heard about loan forgiveness from a lot of companies soliciting on my phone until I encountered and speak with a representative from " XXXX XXXX '' Company and they promised that they will help me convert this loan to " loan forgiveness from President Obama. So, I pay them {$500.00} processing fee and have been arranged to pay {$35.00} per month but I must pre-qualified or apply every year. Now, they were saying I got denied and must start paying {$280.00} per month. I said to myself, that's it, this is not my loan, I was not disclosed and provided documents that explains I owe this loan which is now {$35000.00} plus. I called and ask help from our Congress maker Mr. XXXX XXXX that handles Federal Level / Department of Education Issues or Complaints and Mr. XXXX XXXX and XXXX told me to follow the process. Please help me get this unauthorized loan that was just passed on to me because I was just a parent who not knowingly aware what I was signing at that time. Over this years that I was so stressed, worried and overwhelmed with this problem, I became sicker as a XXXX XXXX year old mom. My XXXX XXXX XXXX was getting worse and thinking I will just die with this problem.
Product: Debt collection

This credit was paid in full at XXXX XXXX was sold/securitized and is actively traded for profit/gain by this fraudulent company. The finance charge is the sum of all charges and still this company has forced insurance that I must pay monthly and that has paid them in full for this credit repeatedly. This pretend lending company will not send me a full accounting of the money they have made off my promissory note/loan of which I am a investor. Nor have I received any money off this mortgage backed security. I have requested a full accounting from this so called corporation of on and off ledger/accounting in writing. I have also asked for proof of actual funding of loan/cash receipts. I was denied.
Product: Debt collection

This is a formal dispute of the accuracy and completeness of the above account ( s ). I am requesting an investigation and validation of each account mentioned above. Please validate the accuracy of the information reported by the aforementioned creditor ( s ) and provide me with any documentation connected with the account ( s ) that bear my wet signature, If such documentation does not exist, bearing my wet signature within the 30 day-period you are allowed, I request that the account ( s ) and all of its negative information be deleted from my credit report immediately in accordance with Fair Credit Reporting Act 611 ( a ) ( 5 ) ( A ) ( i ) which states inaccurate, unverifiable information must be deleted immediately. Automated and public information searches like XXXX and XXXX for methods of verification is NOT permissible and you do NOT have my permission for such verification. Provide the requested documentation and method you use to verify or delete immediately. Failure to respond may result in compensatory damages for every violation.
Product: Debt collection

They call me on an XXXX # then tell me to call another # and say " This is a Debt Collector Trying to Collect a Debt ''
Product: Vehicle loan or lease

Sent a notice of right to cure default the day after a payment was made. Given 10 days to make another payment when my payment was two days late. They have been threatening me to cure the car with no reason at all. I have 1 year left and it seems like they keep threatening to come get my car without cause and it feels very intimidating and illegal. You have people that are 60 days late.
Product: Debt or credit management

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.
Product: Credit card or prepaid card

State XXXX XX/XX/XXXX card XXXX On XX/XX/XXXX funds were deposited at midnight on XX/XX/XXXX my account was hacked on XX/XX/XXXX I waited forever to get a human and file the complaint they said I really couldn't follow complaint until Monday. Took 6 hours to get a human on Monday to follow complain I was assured that I would get a provisional credit. Since then nothing I can not get rid through to a person all of their phone numbers lead to a another transfer that put you on another hold and another person and they're telling me they can take 45 days to refund or provisionally credit this account. How is a human 's post to live that long. I'm on XXXX is it is. My name is XXXX XXXX. Claim # XXXX Landline XXXX If I failed to provide any info I need please contact me this is very important to me and understand that everything that I'm doing is being published Uploaded and shared via a blog
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Hello my name is XXXX XXXX XXXX XXXX and i am personally writing this complaint under distress that the credit bureaus TRANSUNION, XXXX XXXX XXXX, are reporting negative accounts on my credit report that i XXXX not consent of and this is hurting my credit score. I have tried to call and mail to resolve this issue with the reporting agencies and they refuse to help me. I am looking to buy a new home for my family and this credit score is hindering me from doing so, thanks to these improper reporting and inaccurate accounts. I need help and i ask PLEASE help me as i feel unsafe and unable to grow. They are not verifying or presenting documentations to prove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX called me and states I oweee {$5000.00} and they were going ti garnish my wages if I didnt pay them {$1400.00} right away. I paid out of fear then realized theyre a fake company
Product: Debt collection

DISCOVER BANK - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe that someone used my personal information and applied for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a letter from XXXX XXXX, stating that XXXX XXXX has requested the removal of my collections account from all consumer reporting agencies. XXXX  has removed it, however, as of XX/XX/2019, Equifax still has not. On XX/XX/2019, I submitted a dispute through Equifax. On XX/XX/2019, the investigation was complete, and Equifax continues to show my collections.
Product: Credit reporting or other personal consumer reports

XXXX LISTED ON MY CREDIT REPORT STATES I OWE A BALANCE OF {$64.00} THAT IS NOT CORRECT I CONTACTED THE COMPANY THEY ARE AWARE I HAVE A {$0.00} BALANCE PLEASE REMOVE THIS INCORRECT INFORMATION OFF OF MY CREDIT REPORY
Product: Debt collection

An individual from Feldman & Stern , LLC named XXXX XXXX has called me numerous times from an unknown number, leaving threatening emails about suing me for debt. He never provides his business name on the voicemails. He ask that I call him at an 800 number. I was finally able to find the number and spoke with XXXX XXXX. He said that he was going to sue me today if I did not pay debt owed to XXXX XXXX. He stated that he was collecting a collection account. I told him that I had not received documentation that I owed money as required under the FDCPA. I informed him that I had the right to receive written notice and 30 days to request verification of the debt. He responded by saying he sent notice to my email address. I have the phone call recorded. He then pressed me to pay the debt today or I would be sued immediately. 

The individual has also contacted my mother twice and father in law once. In all three calls, XXXX XXXX stated that he needed to know where I live because I owe a collection account and he is going to sue me if they do not disclose where I reside. My mother informed him that he could not call her again after the first call, but he called anyways with threatening language. I informed XXXX XXXX that he was violation of the FDCPA by disclosing this information to a third-party during my phone call with him. 
He said stated that he did not speak to my mother twice and only left a voicemail once. 
I told him that the second call was recorded as I informed my mother to record any calls from him going forward. 

XXXX XXXX has also called my employer and disclosed that he is a debt collector looking to collect debt owed by me. This is again in violation of the FDCPA. 

I recorded the phone call between me and XXXX XXXX which can validate all claims stated above. I also have the recorded call with my mother and XXXX XXXX where he told her that he was collecting debt and was going to sue me. This again was after he was told not to contact her again. He was very hostile. 

Note that XXXX & XXXX was sued in 2018 for violating the FDCPA and the Plaintiff 's were awarded a summary judgment to include punitive damages. Additionally, the Florida Attorney General issued a written warning to Feldman & Stern in September 2020 for failing to provide written verification of debts and orally representing themselves as attorneys.

The business address for Feldman & Stern is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This address is a XXXX XXXX. The blocked phone number that I was able to unmask is XXXX. The number that XXXX XXXX tells me to call him at is XXXX. He leaves very threatening voicemails. I again have not received written verification of the debt he asked me to pay over the phone and, even after informing him of this and that not providing such is a violation of the FDCPA, he still tried to collect by stating that he sent an email.
Product: Debt collection

This company can not validate this debt owed. They failed to tell me what items I purchased or services that were given to substantiate that I owe any amount. 
( XXXX ) I did not authorize them to have any medical records regarding my visits and treatments including hospital bills without having my consent. This violates Hippa which protects us with this method of privacy
Product: Credit reporting or other personal consumer reports

I called a car dealership and was advised to be able to view cars I would have to agree for a a credit report to be run. When I asked if this was a hard inquiry, I was informed that it was not and that is it general to see how much I would have to solely based on my income. I never heard back from the dealer and later received a notice that a hard inquiry was submitted on my behalf and that I was denied credit, even though I never agreed to have my credit report pulled for financing. I did not go into the dealership to view a car or provide any form of identification yet the dealer submitted my credit to several banks even though I asked them not to do so because I was undecided.
Product: Payday loan, title loan, or personal loan

I informed them back on XX/XX/XXXX of my hardship due to XXXX I could not continue to work and if they could please place me on a hardship payment plan I was told by the representative that I spoke with that they had no such program and that I most go elsewhere and take out a loan to pay them off in full. I continue to contact them via email and by phone and mo one reached out to me and continued to submit the automatic payment thru my bank which consisted of {$700.00} monthly and of course the payment was being returned because I do not have the money my annual income went from roughly {$110000.00} annually to {$54000.00} and to make matters worse my mortgage payment have gone up from {$2800.00} to {$3600.00} due to escrow shortage. My wife is also suffering from XXXX XXXX  and unable to afford XXXX XXXXXXXX. Finally this month I heard back from Upgrade after reaching out to pay them {$200.00} monthly they came back with three payoff offers that I could not afford and instead threatened me with accelerated payment in full I called them again and repeated that all I could afford is $ 200 monthly and this time they agreed for me to pay {$210.00} but for only 3 months and the difference of {$490.00} plus interest and late fee will be added to the loan balance I dont know what to do after XX/XX/XXXX when the 3 months is up and all that additional fee is added to my loan balance. 
Please Advise me. Thank you and God bless
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX account # XXXX, XXXX  account # 's XXXX and XXXX, XXXX 's account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXX account XXXX XXXX XXXX have violated my rights. 

15. U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 602A, Section 2. It also states a consumer reporting agency can not furnish my account without my written instructions.