23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have sent 2 separate but the same documents and written testimony of dates and to the best of truth against a repair shop, a towing company and Western Lending who is the car lender and involved in the end result of me never being told XX/XX/2023 when they offered me a 6 month/ {$600.00} deal for {$3500.00} to outright own my car that my original car loan has been put as a charge off on my XXXX XXXX XXXX mom and my credit report, and never once sent me any written or mailed document they did so or informed me in XXXX when a XXXX loan agreement was verbally made or I would of taken thought and made a possibly better decision over the crippling situation a lender I have kept my promise and in not default of, has done nothing but be the ones who accused me without knowing the whole truth of my vehicle being towed, accused me of breaking promises to them, has hung up more than once on me, has hung up on my mom and her bank when they called to ask about charges and money they pulled on her debit card, they have denied providing me a copy of the original loan agreement to see what proof and right I don't have to be accused of this tow nobody I guess can have happen or they take my vehicle, sell it possibly to the owner of that repair shop I wouldn't sell it to who knew the importance of and knew how
Product: Mortgage

XXXX was recommended to us thru a good friend of ours to re-finance our loan. Everything went well the first time. We closed in XXXX. 
As soon as our closing was complete, XXXX started harassing us to re-finance again, promising us a lower rate and guaranteed us we would not have to bring any money to the closing table. 
Isnt that called predatory lending? 
We finally gave in. The whole process lasted about 7 months. The night before we were to close, ( XX/XX/XXXX ), XXXX tells us that we would need to bring between XXXX and XXXX to the closing table. We told him that was not what he had promised, and we did not have that type of money. We feel like he tried to bait and switch us after harassing us for months and guaranteeing that we would not have to bring any money to the closing table. 

We would like to file a formal complaint against XXXX for his relentless harassment and the way in which we feel he tried to bait and switch us at the last minute. We are hoping to bring light to this situation and hope we can stop him from treating anyone else like this. We feel so violated. We trusted XXXX to find out he was lying to us the whole time. After this experience with XXXX, I would never recommend him or his company he represents ( Caliber homes ) to anyone. If they let someone like that work for them, what does it say about the integrity and honesty about the company. 

XXXX XXXX XXXX works for Caliber homes in XXXX. His NMLS # is XXXX That office # is XXXXHis cell # is XXXX. 

The Caliber corporate # is XXXX
Product: Credit reporting

There are several accounts that have been re aged on my credit file. My issues were a long time ago and past 7 years and still listed. Is n't this against the law? I have disputed several times and I do not get a response back. Please assist me in this. 
XXXX # 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. 
I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXXXXXX XXXX  XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX is furnishing illegal late payments XXXX XXXX XX/XX/year> & XX/XX/year> from XXXX XXXX XXXX  account XXXX. 

Late payments are excluded from Consumer Files on open end Consumer accounts
Product: Vehicle loan or lease

Well, the car was in an accident The car was taken by the Insurance company and they kept asking me for payments It took forever for the insurance company to take over the title
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

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  These Phone numbers do not belong on my credit report XXXX XXXX XXXX This Name do not belong on my credit report XXXX XXXX
Product: Mortgage

Have been out of bankruptcy two years and my mortgage company is n't reporting to the credit bureau, my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Number ( XXXX ) ( XXXX ) ( XXXX ) U S DEPT OF EDXXXX The above creditor 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: Debt collection

Hi, This is in regards to an envelope I've received today. Any similarities to other cases I've filed is because it's another example of the same misdeed. 

According to the Fair Debt Collection Practices Act ( FDCPA ), envelopes used by debt collectors to send letters to consumers can only include the collector 's business address and no other symbols or language. For example, in 2021, the Third Circuit ruled that including a barcode on a clear window envelope that could reveal the consumer 's internal reference number violated the FDCPA I'm not just making that up. Take a look here : XXXX XXXX XXXX The firm Mullooly Jeffrey Rooney & Flynn LLP ( MJRF ) routinely violates this portion of the FDCPA. I have mentioned this before, and they insist ( contrary to the FDCPA ) that they can violate the law. 

As this is another violation, I am putting another complaint in. 

I would ask the CFPB to consider an enforcement action against this firm. Every time they do something wrong they claim I should not file another complaint for the same issue, even though it's another violation. 

This is a specious argument. I would like to see XXXX XXXX try that argument with a cop. " Sorry officer, I was speeding and ticketed yesterday so I can speed all I want today )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for your assistance in advance with this sensitive request. 

I have been a victim of fraud and placed a fraud alert on my credit reports with all three bureaus on XX/XX/XXXX. The fraud began in XXXX apparently and I have since tried to take precautions on protecting my credit from being compromised from unauthorized accounts and inquiries. I have paid over {$420.00} to credit monitoring websites and to certifying and notarizing documents to send to each credit bureau and the creditors with no luck. 
On XX/XX/XXXX, I submitted to all three credit bureaus a signed and notarized document and certified it to XXXX, XXXX and Trans Union. On XX/XX/XXXX, I received confirmation that all three credit bureaus, XXXX, XXXX  and Trans Union signed for my certified documents. In compliance with the Fair Credit Reporting Act of 15 U.S.C. 1681, Section 611, the credit bureaus have 30 days from receipt ( XX/XX/XXXX ) to  investigate and/or remove and block the fraudulent accounts/inquiries. 

It is now XX/XX/XXXX and there has been no response or update on my credit report honoring my request to remove the unauthorized and fraudulent inquiries from my credit reports. This unresolved issue is hindering me from being able to apply for a new home loan and a new car so that I can be able to provide for my family. 

I am requesting the help of the Consumer Financial Protection Bureau to resolve this urgent matter and be done with this once and for all please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/2022. 
I am unaware of this and did not approve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the quick deletions of the following items : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a few accounts on my report that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX. At that time, my credit card with XXXX XXXX, opened in XX/XX/XXXX, had been reported as purchased by another lender, sold to another lender. The account had a last activity date of XX/XX/XXXX and a last reporting date of XX/XX/XXXX. 

Throughout this process, my credit was pulled on XX/XX/XXXX and XXXX XXXX was still reporting what was listed above. 

On XX/XX/XXXX, my credit was pulled and there was a change on how they were reporting. They changed the date of last activity to XX/XX/XXXX. The added remarks that this was disputed, which I never did. They then changed the account to being close in XX/XX/XXXX. If this account was sold to and sent to another company, then this debt should have been closed with them back in XX/XX/XXXX. The debt was settled immediately with the collection agency when I received notification. 

I would like for XXXX XXXX to change to update the bureaus immediately, as this account should not have had any changes to their reporting. Especially since they no longer held the debt.
Product: Debt collection

Yesterday I received notice that my state tax return was being intercepted by the group Linebarger, Goggan, Blair, & Sampson LLP.

I did receive notice of intent to intercept filing from same firm in XXXX, but as they provided no information on what this supposed debt concerned and I was not aware of owing anything, the next day I sent them the attached debt validation letter by certified mail to all three addresses present on the correspondence. I was careful to preserve records of my attempts to verify this debt, including keeping a copy of the letter + my individual efforts to verify the debt, and receipts for the certified mail. For the two letters sent to XXXX XXXX addresses, I received the signed domestic return receipts back ; for the XXXX XXXX office I did not, but the tracking number confirms delivery. 

I never received any reply whatsoever to my request for verification nor any further correspondence from LGBS, so I was quite surprised to receive the notice from the Tax Board. I was under the impression that by law, if the debtor can not offer any evidence that the debt is valid within thirty days, they must cease collection efforts. It appears to me that Linebarger Goggan Blair & Sampson LLP have violated 15 U.S.C 1692k.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account # XXXX To Whom It May Concern, This is my third and final attempt to have the blatantly inaccurate and unacceptable information corrected on my credit report regarding the XXXX XXXX account ( # XXXX ). My previous requests, sent on XX/XX/XXXX, and XX/XX/XXXX, have been ignored, which constitutes a clear violation of my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 
Let me make this crystal clear : if no action is taken immediately, I will proceed with legal action and escalate my complaints to all relevant regulatory authorities. 
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 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 : Incorrect XXXX late payment reported for XX/XX/XXXX. 
Clear and Unjustified Errors Nonexistent late payments : My account has been current and without delinquencies. The reported late payments are false and entirely unsupported by facts.

Inconsistent data : The dates of last activity and the balances owed vary across the bureaus, further proving negligence in ensuring accuracy. 
Failure to investigate : Per 15 U.S. Code 1681i, you are legally required to verify and correct disputed information, which has not been done.

Legal Violations By failing to correct these inaccuracies, you are in direct violation of the following laws : FCRA ( 15 U.S. Code 1681i and 1681s-2 ) : It is illegal to report inaccurate information and fail to correct it after a dispute. 
TILA ( 15 U.S. Code 1666b ) : Creditors are required to provide billing statements at least 21 days prior to the due date to ensure timely payments.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Your failure to act is unfairly penalizing me and harming my creditworthiness.

Demanded Resolution I am demanding the following actions immediately : Removal of the false 30-day late payment notations for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( TransUnion and XXXX ). 
Written confirmation that these corrections have been made and accurately reflected in my credit report. 
This is your final notice : if this matter is not resolved to my satisfaction within 15 business days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursue legal action for violations of my federally protected rights.

Publicly document my experience on consumer advocacy platforms and social media to highlight your failure to comply with federal laws. 
Treat this letter as your last opportunity to resolve this matter amicably and avoid further escalation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID Fraud back in XX/XX/XXXX-XX/XX/XXXX. During this time, there were multiple Capital One cards opened in my name without my permission. This has been proven based on Capital Ones investigation along with a copy of the police report that was given to all three credit Bureau, and Capital One took them off except 1. They left one card on my credit report stating that it was mine and instantly reported 60+ days late. Obviously this is not mine. I asked them to send me something in writing that I personally signed authorizing them to open this account. If they can not, then they must remove this account off of all 3 of the Credit reporting Bureaus (XXXX, XXXX and XXXX) immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states that all of the personal information they have stored about me MAY be impacted by the hack Equifax suffered in XX/XX/XXXX. It was revealed to the public mid-XX/XX/XXXX. They recommended signing up with their credit monitoring product free ( due to this issue ) for a year. When I tried to do this I had to sign up several times, because they were not processing my request. When I called them they simply said they had no record of my signing up and said I would have to sign up again. This is intolerable, unprecedented, and WRONG. For a situation like this the free monitoring service should be a lifetime membership, because what they allowed to happen will impact me for my lifetime, and beyond. For all I know my SSN, medical records, personal card information, and anything else about my life, could be in many unscrupulous hands and would likely be used for purchases, get medical work done, obtain a visa, or any number of things, over the course of my life and even after I die. This is a life changing event for me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 

Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I have the right to a proper investigation. 

15 USC 1681 section 602 A. States that I have the right to privacy.

15 USC 1681 604 A. section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

This is grounds for removal and my rights have been violated.
Product: Debt collection

COLLECTOR ONCE AGAIN VIOLATED THE F.C.R.A. FDCPA AND TCPA FOR 11 CLASS ACTION MEMBERS. DELETE ALL FROM XXXX XXXX AND XXXX CREDIT REPORTA.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information con concerning the individual about whom report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate and incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promplty delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information that the information has been modified or deleted from the file of consumer. 
Please remove the following items from credit report, immediately : XXXX XXXX XXXX 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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX  after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Mortgage

I have contacted my mortgage company now XXXX times to request an assistance packet. XXXX by phone and XXXX via there online " contact us ''. In my initial call to my servicer, I was told by a collector that I am a first payment default and that this was worse than a bankruptcy on my credit. He proceeded to tell me that a modification in NOT an option. My loan is not even a first payment default. The XXXX time I called I was again quoted a 24hr turnaround time to receive the packet. Which as of this date, I still DO not have.