23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Account XXXX Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX of XXXX. This account and debt should have been ceased as of XXXX of XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, so please stop wasting your time contacting me. I expect this will be the last time I hear from you, and I expect the following account to be deleted from my credit report within 7 days COMENITYBANK/VICTORIA  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was notified by XXXX  through XXXX that 2 hard inquiries were placed on my credit report to open new lines of  credit with XXXX & XXXX XXXX in Michigan - a state I have never even visited or resided. These inquiries were flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX, XXXX & XXXX XXXX, fraud alerts were placed on all 3 credit reports and XXXX  immediately removed those hard inquiries from my account ( I can provide documentation, if requested, but will not upload at this time, as it contains NPI ). XXXX  notified XXXX  & TransUnion, to which neither took action nor contacted me. I pulled my TransUnion  report on XX/XX/XXXX and noticed there is a hard inquiry from XXXX XXXX from the date in which the fraudulent activity occurred. I tried to file an online dispute, but can not dispute hard inquires online. I was able to dispute online, and successfully remove, the fraudster 's phone number from my TransUnion  report ( it was a XXXX area code ). I have been on hold for a " specialized fraud agent '' to handle this dispute for over 4 hours now. Once XXXX XXXX  EST comes, they will shut off the phone lines, regardless of those in queue. Additionally, since these are hard pulls, they negatively impact my credit score.
Product: Credit reporting or other personal consumer reports

I'm a victim of fraud and or Identity theft. I did not authorize these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On my previous dispute to XXXX / Transunion, XXXX FALSELY ACCUSED ME The request to block information was based on a material misrepresentation You have agreed in writing that the information was blocked in error You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. Therefore, we are declining your request to block one or more of the requested accounts. 

I DID NOT OBTAIN ANY GOODS, SERVICES, MONEY of any of these accounts. 



I have reported XXXX and Transunion to the office of my attorney generals office : XXXX XXXX, as my rights under the FCRA 2009 have been violated by both of these consumer reporting agencies, I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT The Federal Law as explained to me by my Attorney Generals office is that ; Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days. 

The fraudulent account that I am requesting be blocked and asking XXXX to cease and desist reporting are. XXXX XXXX : {$3700.00}, XXXX XXXX XXXX {$4600.00}, and inquiries with XXXX, and XXXX, I have never applied for any XXXX  product or XXXX PRODUCT, please delete these inquiries as I have never applied. 

The inquiries are ; Inquirer Name XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX AUTO ; Inquiry date : XX/XX/XXXX XX/XX/XXXX XXXX CARD ; Inquiry Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent the attached letter to the courthouse asking if they report bankruptcies to the credit bureaus, and I received a letter stating " The U.S. Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. If this is the case, how do the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according t

o 15 USC 1681. According to 15 USC 1681 section 603 ( 3 ) ( E ), the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he
is acquainted or whom may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 U.S.C 1681. According to 15 U.S. C 1681 section 602 A states I have the right to privacy.

In addition, according to 15 U.S.C 1681 Section 604A, Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USCs-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please refer to the two bankruptcies cases below, XXXX XXXX Case # XXXX Filed on XX/XX/XXXX XXXX XXXX Case # XXXX Filed on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$7500.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. 

XXXX XXXX  XXXX BALANCE {$8300.00}
Product: Debt collection

Hey, my name is XXXX XXXX, and I'm submitting this complaint in response to AmSher Compassionate Collections furnishing fraudulent/ unauthorized information to my consumer report, which is a direct violation of 15 USC 1681b ( a ) ( 2 ) which clearly states ( 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. I never gave this company permission to furnish anything on my behalf. this company is also in violation of FCRA pursuant to 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. Not only is they in violation but they also have infringed on my right to privacy. pursuant 12 cfr 1016.4 ( a ) ( 2 ) this company failed to provide me my initial privacy notice, which now makes them in violation of 15 USC 6801 ( a ) which states ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. pursuant to 15 USC 1692g I am disputing this debt and requesting Validation See attachment for all requested documents. if this company fails to provide ALL information requested I will not hesitate to bring legal action for Extortion, Trespass, identity fraud, defamation of character, embezzlement.
Product: Money transfer, virtual currency, or money service

Money was directed and delayed in areas that not was agreed-upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX FIN SVC XXXX Date Opened : XX/XX/ Balance : {$29000.00}
Product: Debt collection

On XX/XX/2023 I received an email from XXXX regarding reference : XXXX ( see attached ). I sent a debt verification letter that was delivered on XXXX tracking # : XXXX ( see attached ). In this letter I asked for multiple pieces of information to verify the debt. In XXXX Columbia Debt Recovery LLC, dba Genesis added this account to my credit report with the notation that it was under dispute. Today is XX/XX/2023 and I have yet to receive ANY documentation from Columbia Debt Recovery LLC, dba Genesis regarding this debt. They have updated the comments on my collection to say that the debt meets FCRA requirements ( I'll get to that soon ). I did not receive a debt verification letter after 30 days nor did I receive a letter stating that the request would take longer. It has been longer than 60 days and I have received no documentation. THIS IS A CLEAR VIOLATION OF MY RIGHTS. Please review the following : " After completing or terminating a reinvestigation, the CRA must notify the consumer of the results within five business days ( 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), ( a ) ( 6 ) ). The CRA should provide, among other things, a revised consumer report and, on the consumers request, a statement describing the procedures it used to reinvestigate the allegedly inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) ''. In the letter I sent, you will see I have provided the correct mailing address. Columbia Debt Recovery LLC, dba Genesis also has my email and phone number. There is no excuse to have not received documentation back from them. HERE IS THE SECOND PART OF MY COMPLAINT. I noticed that this account is accruing interest. The law states that a debt collector may only charge interest as it is defined in the ORIGINAL agreement with the original creditor. This is what the original agreement states " You must pay all collection-agency fees if you fail to pay all sums due within 10 days after we mail you a letter demanding payment and stating that collection agency fees will be added if you dont pay all sums by that deadline ''. Columbia Debt Recovery LLC, dba Genesis can not charge interest unless the original creditor mailed me a letter demanding payment that states agency fees will be added. I requested this information in my verification letter, but never received a response. I would like the date the original creditor sent this notice and a copy of the letter. My original agreement also states the following : " This is our policy and procedure for any outstanding balance... We will call you, your family members, friends, work, etc. in addition to knocking on your door in an effort to collect unpaid balances. We will enter your home to check for occupancy daily and may perform other legal remedies for collection, including lockouts and liens ''. Columbia Debt Recovery LLC, dba Genesis can not charge interest unless the original creditor followed their policy and procedure on collecting outstanding debts. To add insult to injury, it seems I was charged twice for water. If Columbia Debt Recovery LLC, dba Genesis actually investigated this, they would have noticed this.
Product: Bank account or service

My deceased mother had an account with Bank of America. She died in 2005 we left money in the account for repairs to the house and to pay taxes. There is {$3000.00} in the account on hold by EEU ( inheritance div ) that they could not release until they got a Death Certificated ( provided XXXX, also was previously provided in 2005 along with mother 's revocable living trust and will ). I was co-owner and also power of atty on the account. My brother is also a signatory. No one will help me or tell me what I need to do to get resolution. XXXX tells me the XXXX XXXX has to contact them, XXXX tells me I have to go a BOA branch myself ( which I have already done and they referred me back to XXXX ), The XXXX branch of BOA tells me XXXX has to handle it. I spoke with XXXX in the XXXX branch who will not pick up the phone and call XXXX, XXXX has already told me that they will not call the personal banker. XXXX did tell me the bank verified my entitlement to deal with BOA and get the money, but XXXX at BOA XXXX will tell me nothing and do nothing or call XXXX to release the money now that they have the death certificate. All I want to know is why they will not release the funds back to the account, but BOA and XXXX are a continuous circle - one refers me to the other and so forth and no one will help or release the funds. We have talked to XXXX 3 times, a different person each time. The first XXXX said all they needed was a Death Certificate, the XXXX could not even find notes for the first 2 calls. Bank of America and XXXX are doing this to keep the money to which my mother 's beneficiaries are entitled. They are now telling me it has to be probated, although I have a pourover transferring everything, including the bank account, into our family revocable living trust at my mother 's death to avoid having to probate. No one will discuss this and tell me what we need to provide in order to get the money back to the account. It is too expensive to file probate 11 years later over a {$3000.00} bank account. The worst customer service I have ever seen, all for the purpose of taking our rightful inheritance. They wo n't discuss with my brother because he is not a co-owner, they wo n't discuss with me because I am not in front of them in XXXX GA ( I live 5 hours away ).
Product: Mortgage

After their last response, I contacted Rushmore AGAIN. Every single Rushmore agent, including the one I spoke with minutes ago on XX/XX/2019 at XXXX XXXX PT stated that borrowers monthly escrow deposits and analyses are based on the most current tax bill paid. They just paid my annual tax bill in XX/XX/2019. XXXX XXXX assessed the property and that is the actual bill that Rushmore received and paid. My taxes are paid one time per year. The higher amount of {$4500.00} ( instead of the actual annual due of {$2500.00} ) that was estimated at closing was something made up by the lender not based in fact that I can find anywhere and I should not be subject to this fiction. Further, I was told that this would change as soon as the county actually assessed the property which they did. Aside from the first response to my CFPB complaint, Rushmore has failed to EVER tell me they require anything besides the last official tax bill to estimate and analyze tax escrow payments on an account. EVEN TODAY their phone rep said they had it wrong and need to re-analyze the account because they could see the bill and were charging wrong. Every single representative knew that the property had new construction on it, even the rep today, and they said they got it wrong and needed to re-analyze Because the latest actual bill is what determines upcoming monthly escrow deposits and they had that bill. Knowingly over collecting for escrow is a RESPA violation and knowingly requiring inflated payments is a TILA violation.
Product: Vehicle loan or lease

The incident took place around XXXX of XXXX. I had 2 successful previous loans with this company VW Credit. This was my third loan on a XXXX car. I had been paying on this 4.5 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hit hard by Covid-19. I had to apply for state assistance. I looked for other jobs, but only found very part time work at the time. I was making payments each month, but fell behind. I had made a partial payment to them 2 weeks only prior to the incident. I was given no letter, no notice, no correspondence that they were going to do this. 2 days later, a very kind friend lent me the money {$1100.00} to get the car back. The amount was for added fees and interest. I did so, and turned around and traded the car in for another one with a different lending company. I would not continue to do business with a company such as this. Oh yes, and the repossession letter from them came finally, 2 months later! I have a witness to that. Shame on VW Credit! Treating a former, good, loyal customer like this! Not even working with me on a solution to this. Doing this during Covid-19 when possible protections were in place to help protect against this. They displayed unethical and unfair business practices during a global pandemic crisis of epic proportions. They should be fined and reported for this! They also reported the repossession on my credit and refuse to remove it. It will not come off until 7 years from now. I have been scarred financially, ethically, and emotionally from this terrible event.
Product: Mortgage

I can not get Bank of America to reimburse my final payoff overpayment for my mortgage. On XX/XX/2020 I sent a personal check to their payoff department in XXXX Tx. in the amount of {$1400.00}. This was the payoff good until XX/XX/XXXX. On XX/XX/XXXX I waited over 2 hours to speak to a rep to ask why my check had not been cashed. He could not find any information on the check and suggested that I wire transfer the money to BOA. Subsequently I was informed when I called back that my mortgage was satisfied on XX/XX/XXXX. Not knowing this, on XX/XX/XXXX, I spent {$30.00} sending the new payoff amount of {$1400.00} to their wire transfer department from a different bank. I have the Transaction Reference Number and the MRC account number into which the funds were received. However, on XX/XX/XXXX, my bank registered that the original check had been cashed closing my mortgage account, but my wire transfer money was not returned. On XX/XX/XXXX I spoke with XXXX after waiting on hold for 90 minutes, who promised me that within 24 to 48 hours this wire transfer money would be sent to my checking account ( gave him my routing number. ) Nothing happened. On XX/XX/XXXX I spoke with XXXX after waiting on hold for over 90 minutes, who transferred me to manager XXXX after another 30 minutes. She promised that within 24 to 48 hours she will make sure this is resolved. Once again it did not happen, and never a return follow-up call to me at any time on this issue. It was necessary for me to take out a loan to cover this second payment. Is this bank XXXX? Is this wire XXXX? Is this total incompetence on the part of Bank of America?