23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been contacted 5 times in the last month concerning a debt that is not mine. I informed the first caller on XX/XX/XXXX that I was not the person named and at the time told them not to contact me again. I received XXXX calls since then and the missed call on XX/XX/XXXX. I returned the call and again told the person answering that I was not that person XXXX XXXX was trying to reach. I asked what the calls were for and was told to collect a {$900.00} plus debt to Capital One Platinum Card. I told them that I currently have several accounts with Capital One and my credit card was in good standing. I then told the person not to call again. They replied that my credit score would be affected if I did not pay. I reiterated that I owed no such debt and said not to call me again because I was on the NO Call List. The person then hung up.
Product: Debt collection

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 XXXXXXXX Bridgecrest Customer Service Department XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Re : Revocation of Cease and Desist Order Dear Sir/Madam, I am writing to formally withdraw the cease and desist order previously issued under my name, regarding my alleged account associated with Bridgecrest account number : XXXX or any related matters. 
This decision comes after careful consideration and a satisfactory review of the circumstances surrounding the issues initially cited in my original letter. Today speaking to a representative she revealed a lot of incorrect information regarding to my personal information, for example the email was incorrect, the phone number was wrong, and address on this account. I never receiving a copy of the contract, a deficiency notice or a redemption notice. I do not know if this vehicle was repossessed or totaled. They advised that I could not request any documents unless I write a cease and desist removal letter. I appreciate your cooperation and attentiveness in addressing my concerns.

Please consider this letter as an official revocation of any restrictions or communication barriers previously requested under the cease and desist order. I authorize you to resume normal processing and communications regarding my alleged account. This is being placed so I can retrieve these documents so I can take the proper actions on gettinng this resolved. I also need the name of the seller for this auto loan.

Thank you for your attention to this matter. Should you need any further information to confirm this revocation or to discuss the account, please feel free to contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Do you report this information to the authorities, or do you just sit there??? How are complaints to you, handled??? I have a XXXX XXXX XXXX charge from a hospital in XXXX XXXXXXXX XXXX. I had no insurance at the time, back in XXXX. I forgot all about it, and now all the sudden it pops-up on my credit report- this month and this year. ( XX/XX/XXXX ). It's over {$1000.00}. I'm on XXXX and can't pay this bill. Is this legal? 

Also, there are numerous student loans on my credit report, that have been there, since around XXXX. They were placed on my report BEFORE I finished classes, having taken no break. This is XXXX. XXXX XXXXXXXX XXXX XXXXXXXX placed them on my report. I have a letter from Nelnet saying ALL my student loans are paid for by Nelnet, because of my XXXX. I keep attaching the Nelnet letter to XXXX, but they refuse to take the student loans off my report. I filed a new dispute a month ago, and have heard nothing back. I usually don't. I also spoke to them on the phone a month ago, about my name spelled incorrectly and addresses I've never lived, and was told they were changing the information " as we spoke. '' A week later, nothing was changed. My first name is NOT spelled with an XXXX on the end, it's an A on the end. 

They have been jerking me around like this for YEARS. I've been trying to get this information squared away for YEARS, by filing dispute after dispute, after dispute. NOTHING on my credit report has been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX Has violated my rights. 

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

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

I've filed many dispute compliants with Transunion for an old XXXX bill. The account was closed XX/XX/2010 and the collection company keeps it reaccuring on my credit report. Because the bill is so old XXXX could not issue me proof but did give me the account information. I asked them could they give me a letter and they said there system can not generate that either. The amount owed reported on my credit report is also incorrect, {$1300.00}. I've filed several disputes to Transunion and they said they investigated, but I don't think they have. They state the information is correct but it is not. This collection agency renews this account every year with Transunion as an active account. Thanks for any help you may be able to provide in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair '' credit Reporting act, CAPITAL ONE, account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I recently called Chime banking to request for my bank information and previous in and out transactions. I never received anything and been hung up on several times. I also asked for my remaining balance that were in my account after my account being closed and still have yet to received my money after years of waiting.
Product: Credit reporting

Recently applied for auto loan for new car. When my credit was ran the report stated that I was 60 days delinquent on my child support to XXXX County and that I have serious delinquencies. None of which was on my credit history when I received a auto loan last year credit score also was effected by there action. When contacted agency stated because of being late with my support payment which was late because of going thru the courts XX/XX/XXXX and XX/XX/2011.
Product: Mortgage

this is my second issue with XXXX, the first one has not been resolved either. XXXX claims they did a review of my escrow account in XXXX and sent me a check for {$2100.00} which I never got and can not get them to respond over the phone. the company is clueless and clearly does not hire or train anybody that can handle this. So for the record this company has stolen from me over {$3500.00} in 4 months and they do not respond. At this point that amount is criminal in many States and would be if I owed it to them? Why is this company allowed to offer consumer products?
Product: Checking or savings account

I am trying to link my personal checking account ( PNC Bank ) with my business checking account ( XXXX  - ( XXXX XXXX ) ) to be able to transfer money back and forth as needed. My business checking account says the problem lies with my personal checking account at PNC.
Product: Student loan

Navient Has constantly been calling family, friends and work. even after they have been told not to contact due to the fair debt collection act. I told them I can not receive those calls at work and they got an attitude and hung up. They illegally recorded my father after he said not too and asked for his ssi and other info. They also called mother, sister, uncle and other family members that have no business being involved in this matter. They are constantly calling and harrassing. It has become unbearable father tells me they call every other hour. Parents are not cosigners on any loans. The one loan with my sister on the loan is current and they should not be calling her if it does not regard that specific loan. They have been told and to no avail they still do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed this account with the collection agency, XXXX XXXX XXXX, XXXX and Experian. However, this account remains on my report as being accurate. However no one can provide proof of this debt, EOBs from insurance companies, bills, etc. I have been insured on a constant basis and I should not EVER have a medical bill with a balance this large. I get ZERO cooperation from the credit reporting agency. I do not believe I owe this collection account of {$860.00}.
Product: Credit reporting

There are currently  XXXX  bankruptcy tradelines showing on my cred it report.    XXXX  #  XXXX , and  XXXX .   Per my credit report transunion is list their source for this information as ILLINOIS  XXXX  COURT-  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Upon calling and writing the source the have stated to me that they do not verify anything with the credit bureau. I have formally disputed these bankruptcies with transunion only to be told that they were verified
Product: Checking or savings account

From XX/XX/year> to XX/XX/year> navy federal credit union would overdraft and pull money off my savings account to my checking than take the money from my checking account multiple times in increments of XXXX $ XXXX $ and they did this almost 2 a month and it caused them to close out my checking account because it went negative XXXX XXXX I know i wasnt over drafting because i would leave my money in my savings account and only move it when i needed to use the money. I would transfer than buy whatever i had to buy just for them to tell me i didnt have enough and i would transfer the amount exactly needed. I called them on the phone multiple times upset and I requested them to stop making transfers from my savings without my permission. They had me sign some paperwork saying i want them to stop and they still did. If the phone calls are actually recorded then its there because i called more than once and sent messages in the online banking app. This has caused me hard times because i drive XXXX  as a job and they closed out my account and i used that account to pay for my XXXX  rental and basically everything being this was my only bank account. 
I attached the statements that show the XXXXXXXX XXXX XXXX. The ones that dont say a merchant or say where the money went is them taking out the money themselves
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfillits legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence 1 provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone in a position of authority, I am making a formal complaint because XXXX XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with Experian ; I made a formal complaint with Experian, and XXXX XXXX XXXX and they both failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Product: Mortgage

On XX/XX/XXXX, I purchased my XXXX home with a loan from XXXX mortgage company. XXXX listed I was behind 1 month 's payment. I filed a dispute with the XXXX because I never missed a loan payment. I requested a payment history, but did not receive it. I also requested my late payment and fees be removed from my account. 

* On XX/XX/XXXX, XXXX sold my loan, before resolving the missing payment issue. The loan was sold to XXXX XXXX XXXX  XXXX. I requested a loan payment history in order to rectify the missing payment. XXXX XXXX accessed an additional month of no payment. ( XX/XX/XXXX ) I sent canceled check to have the additional month of non- payment removed. It was not. My loan was sold, again. 

XX/XX/XXXX, Rushmore Loan company acquired my loan. I immediately send copies of my disputed XX/XX/XXXX payment, proof of insurance and requested a loan payment history. In the beginning of XX/XX/XXXX, I received a foreclosure letter from Rushmore. I received notice of lender placed hazard insurance. ( I submitted proof of home insurance ) I also received a letter indicating my yearly adjustable mortgage would increase {$300.00} in 60 days. 
In the 16 years of owning this home, the yearly adjustable rate mortgage has adjusted once annually, XX/XX/XXXX. ( not 2x annually ) It appears Rushmore is not honoring the terms of my original mortgage contract.
Product: Student loan

There was significant fraud on my account which was repeatedly being denied by TD Bank, making me responsible for the fraud totaling {$2600.00}, even after I submitted countless documents to support my claim. I reported this incident to CFPB which led to my bank account being frozen and closed. There was a negative balance of XXXX in my checking account. My student loans, totaling {$5000.00}, that I received from the government to pay college tuition and board fees remained in my savings account and TD bank took that money to alleviate the balance that was initiated by the fraudster. This is unacceptable and a violation of my student loans funds. That money was supposed to go towards my education and TD Bank is making me pay for the crime of another person. I need that money back immediately, otherwise I will be homeless and starving. I dont have any more money left. XXXX, another bank that I have a relationship with, was able to verify fraud and get my funds back. TD bank has refused to assist me in this dire situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$360.00}
Product: Checking or savings account

I need proof of payment of all outgoing wires/deposited checks from the business checking account from XX/XX/XXXX through XXXX, XXXX. 
-- -- -- company will not assist and I have tried emailing and calling. I want this provided via email.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 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 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
Product: Mortgage

On XX/XX/XXXX I logged onto the PennyMac site to make the XXXX mortgage payment on my rental property. Their system showed I had not made my XX/XX/XXXX payment and that two payments were currently due. Thinking that possibly I had neglected to make the payment I made two mortgage payments. After I logged off their system I checked my online statement with XXXX XXXX and found that my XXXX payment had been made on the XXXX. I have called numerous times since and have found it difficult if not impossible to get them to admit that there system is in error and have requested my second payment for XXXX returned to me. I have received several phone calls and two letters from PennyMac asking if I need loan assistance because their system still shows that I missed my payment in XXXX. I would like the second payment amount I made in XXXX returned to me and my account to be correctly credited with XXXX payment.
Product: Debt collection

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ). 15 USC 1692e ( 2 ) ( A ).
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.
Product: Student loan

Pending student borrowing defense case, awaiting potential forgiveness in the amount of approximately {$200000.00}, about {$200000.00} has been paid off. XXXX is known for a history of predatory loan practices and is already implicated in a class-action law suit with many individuals pending forgiveness
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion, Equifax, and Experian for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included an account from XXXX XXXX XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Account in Question : Account XXXX Violations 1. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. 15 U.S.C. 6802 Financial Institutions Duty to Protect Privacy Under this statute, financial institutions and related entities are required to provide consumers with the right to opt-out of their personal information being shared with non-affiliated third parties. I was not given the opportunity to opt-out, nor did I provide consent for my information to be shared with XXXX XXXX XXXX