23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : Debt Validation Request for Account Number XXXX DearColony/Ashro I am writing in response to your recent communication dated XX/XX/year> regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( XXXX  ), I am requesting that you validate this debt and provide documentation to prove that I am legally obligated to pay it. 
Specifically, I am requesting the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the debt, including a breakdown of all fees, interest, and payments. 
XXXX. Proof that you are authorized to collect this debt. 
XXXX. Copies of any documents that show I agreed to pay this debt ( e.g., the original signed agreement or contract ). 
Until I receive this information, I am requesting that you cease all communication regarding this matter, except to provide the requested validation. Additionally, please ensure that you do not report this debt to any credit reporting agencies during this validation period, as doing so would be a violation of the FDCPA. 
If you can not provide the requested documentation, I respectfully ask that you stop collection activities and remove any references to this debt from my credit reports. 
Please be aware that this letter is not an acknowledgment or acceptance of the debt. I reserve the right to file complaints with the Federal Trade Commission ( XXXX  ) and my state attorney generals office if I believe my rights under the FDCPA have been violated. 
I look forward to your prompt response. Please send the requested information to my address above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
Product: Credit reporting or other personal consumer reports

I have contacted this Experian and XXXX for the last times on XX/XX/23 to get the method of verification for the bankruptcy that is currently on my credit report. The information reporting as accurate are both reporting different reference numbers and court names. I sent them both a certified letter a few months ago and have yet to receive a response or a update to my credit report. I am requesting a deletion of any and all reporting of bankruptcy and {$5000.00} for monetary relief for the humiliation, defamation of character, and consumer violation of rights due to this being on my report. Ive been denied extensions of credit I am unable to get financing for a vehicle. Its causing stress to me. I will be filing a claim if there is no relief to this ongoing problem.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX Finance manger was very rude in the way he talk to me and very Bias as well as a pure XXXX. I came there to trade in a car and the salesman was very nice and helpful. The finance manger told me he could not get me Finance with {$40000.00} dollars or XXXX no amount money would Capital one take the loan. Funny Thing I have a car loan with Capital One Bank and it can be Verified by capital one I never had a late payment nor any late fees as well for the last 2 years no credit cards student loan is late or behind. This Finance manager also told me they use a Formula and when we look at his computer screen it was showing things that had been deleted off my credit file and it was as he was trying to use it against me. I contacted Capital One Bank and was told when the loan was in pending status the Finance manager did not respond back to capital one as if I wanted to put more money down. My feelings towards euro motors as people had told me that there not the dealership to do any business with and they are awful when it comes to customer service. I have also contacted XXXX XXXX XXXX to the issue with the Finance manager and the way he talk to me. I no he have some excuse as most do and try to justify his actions and all that but XXXX is very bias and that's it. Typical hidden agenda type Finance manager that's explain why the times I visit the store there is real inventory at the lot and to why so many old used cars on there showroom floor.
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report and I don't understand why. I reviewed my credit report like I normally do, but this time there were unexpected discrepancies. I refreshed my browser to see if it was a glitch, but the unauthorized inquiries remained. Due to this problem, I request that the documents I sent be thoroughly reviewed so I can avoid this issue in the future.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

I was never informed through US postal nor email that I was entitled to the Equifax breech Settlement. I can not access my credit report. The credit report summary is blocked. I requested to speak with a supervisor. I was told they are unviable. During the year XXXX, I have a complaint with both XXXX XXXX XXXX Sheriff department, US Postal Inspector General, and The Florida Attorney General Office regarding the US Postal carrier 's children. Going through my mailbox and through my mail on the ground. I also checked my email history from Equifax dated back to the year of XXXX. Equifax never communicated with me at all. My discovery was made on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to Federal Law, XXXX  Only a CERTIFIED DATA FURNISHERXXXX, Whom Is Verified Via XXXX XXXX XXXX XXXX And Or, Transunion Is Able To Report Data To A Consumer Credit Report Via The United States Of America XXXX As, " XXXX XXXXXXXX XXXX XXXX XXXXXXXX " IS NOT A DATA FURNISHER ; Therefore, Is NOT LEGALLY ABLE TO REPORT ANY DATA UPON CREDIT PROFILE. 

Violation Of Consumer Federal Laws : -15 USC 1681 b ( 2 ) -15 USC 1681 ( q ) -18 USC 1028 A -15 USC 1681 c-2
Product: Payday loan, title loan, or personal loan

Greetings I took out a personal loan through the XXXX, Michigan OneMain Financial branch in XXXX for {$7000.00}. I have twice asked for a payoff amount and no one can tell me what it is. 
I was locked out of my account for the last year. Once I was able to get into my account and look closer at my statements, I noticed that only a {$1.00} goes towards the principal and a {$170.00} is being charged for interest every month. At this rate, it will take me a lifetime to pay it off. Even after making payments arrangements after losing my home and becoming unemployed, they have constantly attacked my credit score to the point where I can not find suitable housing or affordable car insurance. I feel cornered and unable to do anything about this. It took me 2 years to get my XXXX and at this rate, I will never have this loan paid off
Product: Debt collection

Consumer Financial Protection Bureau Dear Sir/Madam , I am writing to report an ongoing issue with certain collection items appearing on my XXXX credit report. These items were recommended as not valid by XXXX, and upon disputing them through XXXX, they were found to be invalid and subsequently removed from my report. However, the same items persist on my XXXX report, causing significant distress and impacting my financial standing. 

The following are the details of the collection items : CAINE & WEINER Date Opened : XX/XX/XXXX Amount : {$360.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Despite being paid off, XXXX of these items have remained on my report for over XXXX years. Moreover, the creditors associated with these items seem to be manipulating the dates and re-adding them periodically, which I believe to be aggressive and potentially illegal tactics to extort money. 

I attempted to dispute these items through XXXX, as recommended, but have encountered difficulties in reaching them for resolution. An automated message on XXXX XXXX directed me to contact either the state comptroller or your agency to report these issues. 

The inaccuracies on my XXXX report are adversely affecting my life, and I feel unjustly held XXXX by these unjust entries. My XXXX report accurately reflects XXXX items in collection, and it is imperative that XXXX and XXXX reflect the same. 

I appreciate your attention to this matter and request your assistance in rectifying the inaccuracies on my XXXX report. I am prepared to provide any additional information necessary to facilitate the resolution of this issue. 

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

I noticed on my credit report that I had multiple inquiries from XX/XX/XXXX with Prestige Financial, XX/XX/XXXX,XX/XX/XXXXfrom XXXX XXXX. I contacted them and was told that these originated fromXXXX XXXX, in XXXX XXXX XXXX. I purchased my vehicle from them a year prior so I knew they had my information. I contacted XXXX XXXX who told me they got a application from XXXX XXXX XXXX.

I have tried to contact XXXX XXXX XXXX  to have them remove these inquiries from my credit with no response. I never submitted any application to them seeing as I have a car I just purchased.

XXXX XXXX runs your credit as a hard inquiry not one time but two as they did when I purchased my car. Two weeks after I purchased my car, they did another inquiry on my credit. They should remove this. My loan was done on XX/XX/XXXX and they ran my credit as a hard inquiry again on XX/XX/XXXX.
Product: Credit reporting

Most if not all accounts in question are paid off, and closed, yet the credit reports not showing this, which cause my credit score to remain very low.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act 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 : Also states a consumer reporting agency can not furnish an account without my written instruction
Product: Mortgage

I have been asking my mortgage company GREENTREE LENDING for a loan modification several times and they deny me for no reason at all. They never give me the chance to fill out the application. They just say that they ca n't give me a modification. My payments are over XXXX a month. This is causing great stress. This is a XXXX account. I never wanted my mortgage with GREENTREE LENDING. However it was transferred right under my nose
Product: Debt collection

Common Wealth Financial system is reporting a debt to my credit report That I already paid to another debt collector XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX Balance : {$27000.00} XXXX XXXX XXXX Balance : {$440.00}
Product: Bank account or service

I submitted a mobile deposit to Bank of the West on Monday   XXXX   to which they put a hold on the deposit. I then had a check clear but due to those funds being on hold I was charged an Overdraft fee, even though there was enough to cover the check.
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. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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. 

MY DISPUTE IS CLOSED NOW BUT IT WAS ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

1-This company called ( XXXX ) is involved in reporting erroneous information about me to experian at the status level where they write : XXXX. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint. 

2-This company ( XXXX ) is also reporting wrong address information about me.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX me and my wife did a COVID surrender of our XXXX XXXX XXXX XXXX. It was financed with XXXX XXXX XXXX. This was due to a loss of income. XXXX sold the vehicle and turned the account over to collections with XXXX XXXX XXXX XXXX We settled this collection on XXXX XXXX, XXXX. I sent a letter to the credit reporting agency with this information. I requested that the XXXX account reporting get up dated from charged-off to settled in the comments. They refused. I have been trying to have this corrected for two years, This is unacceptable. XXXX XXXX XXXX XXXX was removed but XXXX was not updated.
Product: Credit reporting

Congress has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's account. Section 604 ( a ) ( 3 ) ( A ) For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) Based on the regulations above Equifax, LLC has yet to provide evidence of a credit application nor have they shown evidence in which these inquiries were used as apart of an employment application. Therefore, permissible purpose does not exist. These inquiries should be removed immediately. 

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

Equifax is currently in violation and reporting multiple inaccuracies on my most recent credit profile- The company recently sent me an update letter based on a recent dispute letter sent to Equifax on or before XX/XX/2019. Explaining that the company has recently initiated an investigation and has predetermined that there will be no further investigation into this account : a violation Account- portfolio recovery and associates- XXXX XXXX XXXX XXXX If the company continues to report the following information : As appears on my recent credit report : opening date of XX/XX/2019, an inaccurate statement. 

Reporting a past due balance on a closed collection Account. Violation If this information is not changed/ updated Or corrected. I expect a full account deletion of portfolio recovery and associates from my Equifax credit profile. Or by default ; Equifax will be in violation.
Product: Credit reporting or other personal consumer reports

According with the fair credit reporting at the list of accounts below have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX account number XXXX Account name : XXXX XXXX XXXX account number XXXX Account name XXXX XXXX XXXX account number XXXX account name : XXXX XXXXXXXX XXXX XXXX account number XXXX account name : account number XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX  XXXX account number XXXX account name XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX Account names. 

Has violated my rights.15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish it 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 items of information, other than records, or convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person should not furnish any information related to a consumer to any consumer reporting agency is the Personal knows or has reasonable calls to believe that the information is in accurate.
Product: Credit reporting or other personal consumer reports

XXXX ) Mid XX/XX/2024 -- XXXX  XXXX XXXX REDUCED my business credit card limit to {$1000.00} from over {$47000.00} on company credit card for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Early XX/XX/2024 -- XXXX XXXX XXXX REDUCED my XXXX business credit card limit to {$1000.00} on company card for XXXX XXXX XXXX XXXX When I inquired for the reason the credit dept claimed that I had too many credit inquiries on my credit report -- BUT REFUSED to provide any documentation to justify their decision.
Product: Credit reporting or other personal consumer reports

While looking at my credit report, I realized that there are several unknown inquires on my report damaging my score. According to the 15 U.S.C 1681 law there should not be any damages on my report, this is a defamation of character. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Over the past several months myself, friends, and family members have all been harassed by this " company '' They expressed to my grandparents that I will be taken to jail if they didn't pay this " debt '' Upon speaking to my mother they made the same statements and called her 19 times in 2 hours. I routinely get text messages threatening to " have me arrested '' if I do not pay within 24 hours. I have no debt. I have paid all of my debts. I am tired of being harassed by these shady companies for things that simply don't exist. I'm tired of my family and friends being harassed and threatened for something that doesn't exist. I have previously filed a complaint against this company and will continue to do so every chance I get. These tactics are illegal and will continue to be illegal. I have contacted the " courts '' they state I owe a debt to and no records have been found. I urge our government to act accordingly and hold these " law firms '' accountable for the scare tactics and fearmongering they use to collect false debts. I have contacted the " law firm '' directly and was not able to get any useful information. They asked for my FULL social security number. Sorry, not falling for that one again.
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 confidentially under 15 USC 1681 XXXX XXXX XXXX services # XXXX, XXXX XXXXXXXX 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 adverse of information. other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C1681s-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: Credit reporting or other personal consumer reports

I believe FCRA 605B obligates us to delete any inaccurate accounts from my credit report. Could you check the documents? There are accounts listed with errors in reporting, such as incorrect amounts and dates.