23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company card w/XXXX XXXX XXXX BMO Harris ) - {$3300.00} Name of Company : XXXX This was a XXXX XXXX XXXX company card. I left this company XX/XX/2018. All expenses were submitted and approved for payment prior to my leaving XXXX. XXXX has not paid this expense. XXXX XXXX XXXX has repeatedly called and harassed me on a daily basis ( sometimes more than 3 times in 1 day ). I have on more than four occasions patiently explained how this was approved prior to my leaving XXXX and XXXX XXXX XXXX should reach out to XXXX. This has now become harassment. I have asked XXXX XXXX XXXX repeatedly to stop calling as I can not help any further. XXXX XXXX XXXX even suggested I pay them ( XXXX XXXX XXXX ) and go after XXXX legally. I should not have to do this. There was one day that XXXX XXXX XXXX called me 11 times! 
In addition, I was told by one of XXXX XXXX representatives that XXXX has a habit of not properly settling these types of accounts ( when an employee leaves the company ) in a timely fashion. All protocols was appropriately followed by myself with both entities.
Product: Mortgage

I entered into a 4 month trial mortgage modification in XXXX 2015. At that time I paid a reduce of amount of mortgage until the end of the trial. At the end of the trial I was offered a 40 year mortgage, which I refused. I was told at the time of the modification if I did not choose to permanently modify, my mortgage payment would go back to the original amount. However, I found out a month later that I was charged the difference, which meant I was a month behind in a mortgage payment. I WAS NEVER LATE. Now, I am paying a higher mortgage to make up the difference and they are reporting me late to the credit bureau. It is not FAIR!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report. This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$5500.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/2024 ; XXXX XXXX XX/XX/2024 ; XXXX XXXX XXXXXX/XX/2024 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2024 ; XXXX XX/XX/2024.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I returned my leased XXXX XXXX XXXX to XXXX XXXX before deploying for military service. The vehicle had a recorded mileage of XXXX at turn-in, with an allowable mileage of XXXX. Subsequently, XXXX XXXX assessed wear and tear charges totaling {$1700.00}. 

On XX/XX/XXXX, a Turn-In Settlement Invoice was reportedly sent to my previous address. However, due to my XXXX and change of residence, I did not receive any communication or notification about these charges. Despite my lack of awareness, XXXX XXXX charged off the balance on XX/XX/XXXX. The account was then sent to a third-party collections agency on XX/XX/XXXX. 

In XX/XX/XXXX, this charge-off was reported to credit bureaus, negatively impacting my credit report. At no point was I notified of any late payments or the charge-off prior to this. When I became aware of the issue, I requested a 1099-C for the charged-off debt, but XXXX Credit informed me that it was not required.
Product: Vehicle loan or lease

On this date, XX/XX/2023, I tendered payment in full on the loan extended via a my credit, by HYUNDAI CAPITAL AMERICA d/b/a/ XXXX XXXX XXXX through my credit and the account was zeroed out. I patiently awaited the title to come in the mail and I did not receive it nor was my credit report updated with the XXXX balance. However, I have record that the account was XXXX  out as well copies of the tendered payment and I also filed a 1099a after I received no correspondence regarding the debt validation I requested from this company back in XXXX. I also filed for Arbitration after sending the company Notice three times prior to filing for an arbitration and company refused to respond or grant the request for Arbitration which is breach of contract and a violation of my rights as a federally protected consumer. 

XXXX XXXX reported negatively on my credit report which resulted in injury as this discouraged me from applying for a house as my credit score rapidly declined due to their negligence and continued violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section XXXX of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TWICE DISPUTED WITH XXXX XXXX  AND EQUIFAX ABOUT ERRONEOUS NEGATIVE ACCOUNTS ON MY CREDIT REPORTS. I ASKED THEM TO INVESTIGATE AND REMOVE THESE ACCOUNTS, BUT I HAVE NOT HEARD BACK FROM THE CREDIT BUREAUS AND IT HAS BEEN MORE THAN 60 DAYS. I STARTED BACK IN XX/XX/XXXX DISPUTING AND SENT OUT MORE DISPUTES IN XX/XX/XXXX AND XX/XX/XXXX WITH NO COMMUNICATION OR RESULTS FROM THEM.
Product: Credit reporting or other personal consumer reports

Hello, There was a negative item listed on all my credit reports under the " XXXX XXXX XXXX '' for the XXXX Collections account. 
I was sent a XXXX XXXX XXXX from XXXX for XXXX outstanding amounts. 
Please see attached. 

In essence, since I was sent this by the XXXX, this Collections amount is no longer applicable as XXXX already claimed the amount as loss and sent it to me as an income and debt cancellation also. 
Therefore, this is a violation of collecting on debt that is no longer active. 
Also, the statute of limitations has expired/lapsed as well for XXXX XXXX. 

This negative item needs to be removed from all credit reports immediately. 

Also, there are some inquiries that are still showing on the report that should have been removed several months ago.
Product: Credit reporting or other personal consumer reports

I checked my credit as i'm wanting to buy a new car later this year and i saw some fraudulent accounts, inquires and addresses on my consumer reports. There is an account with Named santander with a balance of {$24000.00} on my consumer report that isnt mine. I've never has an account this this company or done business with them. There is a fraudulent account with XXXX XXXX Manage with a balance of {$5600.00} with orginal creditor XXXX. I HAVE NEVER HAD AN ACCOUNT WITH XXXX, i have XXXX XXXX. There is a fraudulent loan with the name of SUNRISE LA for {$990.00}, I have never done business with this company. There are XXXX fraudulent student loans with XXXX DEPARTMENT XXXX XXXX for {$3100.00} and {$3100.00}, but i have never attended a college before. The following fraudulent inquires on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses do not belong to me XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Bank account or service

After I was terminated by my former employer. The moment my credit card/mortgage with Navy Federal Credit Union fell behind, they completely locked out my online access/phone access to all my accounts. I never received, or was able to access ANY statements for any account. I was enrolled in multiple automatic debits, and paperless statements from my account to numerous other payees. With no access I was unable to find out all the automatic debits to be paid by any account. This caused several automatic debit to bounce and overdraft fees added. This went on for several months, never once did I receive a statement, regardless of how many phone calls I made. I was more focusing on the fact my only source of income was my XXXX, which they decided to use any way they wanted without any regard for the law. The only time I was able to get a statement of my accounts and effectively shut off all the automatic debits. I had to drive over XXXX miles XXXX way, to the nearest branch in XXXX, TX. When I confronted the branch manager about the money they took illegally, she simply stated " I will see that letter, when I see it. '' That is another issue that I will be dealing with. I HAVE NOTICED THEY HAVE CHANGED THEIR ONLINE ACCESS POLICY. You still have access to statements even if you are behind on payments. XXXX more thing, every time I called to request a statement during that time period, the phone call went directly to the collections department who stated they were unable to request a statement for me.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Experian, and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian and TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's, Experian 's and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Experian and TransUnion complies with federal law and provides consumers with the necessary proof of investigations.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report that shows a inquiry on all XXXX credit agencies. From XXXX XXXX XXXX card. I did not agree to let them do a hard inquiry because I put my ein number in but they ran my personal anyway. I wish You to remove this inquiry from my credit report. In accordance with the fair credit reporting. 15 u.s.c. 1681 section 602 a states I have the right to privacy.This is the application # for XXXX XXXX XXXXXXXX XXXX On XX/XX/year> XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I was recently trying to purchase a house and noticed damages on my credit report. According to 15 USC 1681 there should not be any damages on mu report as it is a defamation of my character. 

America Honda Finance is reporting inaccurate balances! 
XXXX XXXX is reporting inaccurate balances! 

All three major credit bureaus are reporting different amounts which are indeed inaccurate! 

In regard to XXXX XXXXXXXX XXXX is reporting the following balances : {$3200.00}, {$660.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 

In regard to HONDA FINANCE XXXX is reporting the following balance : {$19000.00} XXXX is reporting the following balance : {$18000.00} XXXX is reporting the following balance : {$18000.00} In addition to amounts varying from each other, they are also not the balance reported to my estate from Honda Financial making this all inaccurate information and inaccurate/fraudulent reporting
Product: Student loan

Navient parent loan is out of control with excessive interest charge, late fees, and lack advise/assistance from Navient in loan direction and to set plan to eliminate. Many times ( after each deferment ) I would receive many predatory calls and emails from independent help outfits to reduce or eliminate the loan payment. I did not feel comfortable with the feedback received from these independent help outfits and I found it uncanny that these sources were quede to call a couple days after deferment. Really need help in resolving issue and loan reduction.
Product: Checking or savings account

Wells Fargo Bank messed with my accounts after they did not take a serious caution to acknowledge the suspicious check before I already deposited a suspicious check and I was the victim of fraud, contacted the branch XXXX in the person. After XX/XX/XXXX, Wells Fargo decided to close all of my accounts to prevent fraud. I am a hard working to get communication with person because they refused to provide interpreter for getting information and did not cooperator to my communication right until now. 

The branch XXXX suggested me to call the Wells Fargo Fraud Department. I realized the consumer allegations it made robocalls to keep circle like text numbers no longer associated with living relay.
Product: Debt collection

On XX/XX/2018 i received a copy of my credit report from XXXX, XXXX, and XXXX credit report companies. The company named XXXX XXXX XXXX has reported false credit information to the three bureaus. I have contacted them on numerous occassion and to no resolve they continue to report false information to the credit bureaus. First, i do not have an account with this company. Nor there is no agreement with this company that has listed on my credit reports as tho i have established a relationship with them as of XX/XX/2018. XXXX XXXX is engaging in fraudualent acts by electronically reporting false, untrue information to benefit their company. Midland is aware that the facts of this reporting to the credit bureaus mentioned is FRAUD. I do not owe Midland XXXX   dollars. I have asked repeatedly for a contract or some type of proof which they have not provided because there is NONE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ). 
The financing of an automobile by a bank was not a consumer loan transaction where the sales contracy and areree of the automobile taking security in addition to the purchased automobile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Deficiency balance was not updated with me and reflects on my credit report as inaccurate the vehicle was a total loss and it creditor would have acted in good faith and did proper procedures of contacting me after vehicle was sold at auction my gap insurance would have paid for the remaining balance XXXX asking thats this debt be removed due to law. This is not verified information and contains eras that trigger violations of fcra and fdcpa. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. 
XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact XXXX XXXX XXXX Bank XXXX these items immediately.
Product: Debt collection

Please be advised I have requested validation { not verification } of an item reported by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

Savit Collection Agency did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

Inquires that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Customer Service at Transunion would not correct my file by deleting the unauthorized inquiries listed above reporting to my credit report. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor via CFPB Complaint 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX  XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX Balance XXXX {$2700.00} XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. I am formally requesting that you include the following fraudulent items to be removed from my Credit report. If you are unable to send me any documents pertaining that the disputed items belong to me, immediate deletion of the diputed items will be appreciated.
Product: Debt collection

I have paid Citibank loan number XXXX already today I called Citi loan recovery they said I have a balance of {$3800.00} this is wrong balance of this loan is XXXX and my city bank account shows it thus is ana tempted extortion when I asked them tell me when and who charged this {$3800.00} they could not show me that The Citi recovery unit dose not bother to look at Citi bank accounts to see balance is XXXX rather they choose to report account XXXX as collection not paid thus causing be great harm by XXXX XXXX reporting it to credit bureaus as collection I can send copies of bank statement that shows its been XXXX balance this is a hate  crime so XXXX  people dont get credit and attempted extortions by wrongfully demanding money with threat of. Refit collection for non existence valance exact definition of extortion
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a requested to have my information deleted under the ( CPA ) The company denied me my rights. 

Today again XX/XX/2022 I filled out another form to have that information to be removed. 


Please help me with this issue these companies have no compassion for the people living who is living in poverty.