23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, SN Servicing, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a XXXX I had already surrendered the property to the previous servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I have had repetitive phone calls ( a recorded message ) telling me that this is a debt collector and to call XXXX and give them this # : XXXX. I typically hang up but have grown tired of the calls so I called the number. There were XXXX recorded options : Press XXXX to pay the debt, Press XXXX for a 'settled in full ' letter, Press XXXX for wrong #, Press XXXX to speak to an agent. I pressed XXXX and asked the agent ( with an XXXX accent ) why I was being called as I have NO debt. He said he would check my info and shortly we were cut off. The company says it is XXXX.
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX  ), Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name, XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C.1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an 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 7 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I logged into the XXXX XXXX to make a transfer of {$1000.00}. However, the page did not change from the desired transferred amount. I attempted to make the transaction on different browsers and devices ; however, I still was not able to navigate to the next page after entering the amount that I wish to transfer. 

Next, I modified the dollar amount of transaction to {$990.00}. I still was not able to submit the transfer. 

I filed a technical issue complaint with the company requesting live agent assistance. I received a reply directing that I clear my browser and cookies. I have done that on all my different browsers and devices. I am still experiencing the same problems.
Product: Consumer Loan

XXXX/XXXX/XXXX My husband and I were victims of a fraudulent transaction at XXXX XXXX Hyundai. We were convinced or rather " conned '' into trading in our 4 month old XXXX Hyundai Elantra for a more expensive vehicle ( XXXX Sonata ) with the promise of a XXXX XXXX passenger van. The van transaction was being done on the side and being delivered from their " repo lot '' in XXXX. This entire transaction took place at the dealership with gentleman XXXX XXXX XXXX XXXX XXXX XXXX XXXX sales XXXX ) who both represented themselves as employees. Once the paperwork was signed, XXXX XXXX said he had to take the new XXXX to XXXX to bring back the van. We took home the ( trade in ) Elantra until he returned with the van. On XXXX/XXXX/XXXX we still did not have the Sonata or the new van so we called the dealership and spoke to XXXX XXXX and demanded the Sonata back or would call the police. A gentleman by the name of XXXX XXXX returned the Sonata to our place of residency this same day with XXXX miles on it. On XXXX/XXXX/XXXX, XXXX Al XXXX came to our home and picked up the XXXX to ( reportedly ) take to the dealership as this was the car we were trading in. We were told the van would still be delivered to us this same week. 
After being ignored by all staff at the dealership and hung up on, we filed complaints to various agencies and asked to see the owner of XXXX XXXX Hyundai. We met with the alleged " partner '' XXXX XXXX who stated he had no knowledge of such transaction and denied knowing XXXX XXXX XXXX XXXX XXXX. XXXX XXXX stated he felt horrible and would help us get a van and into a less expensive vehicle. After a couple of weeks, we were financed for a XXXX XXXX XXXX on XXXX/XXXX/XXXX. This was our only sincere interaction with XXXX XXXX. During our meeting, XXXX XXXX denied knowing XXXX XXXX and XXXX XXXX. Both XXXX XXXX and XXXX XXXX reported to us that neither men work for XXXX XXXX Hyundai. 
On XXXX/XXXX/XXXX we were called into the dealership to resign paperwork since wife changed employment. When my husband went to the dealership he was told the financing did NOT go through and they took the Malibu back. He was NOT offered the Sonata back. I had to go to the dealership to pick my husband up ( The Sonata was seen for sale on the lot ). Hyundai Motor Finance called several times demanding late payment for the Sonata. We explained what happened and requested cancellation of the loan since dealership had the and still has the XXXX. XXXX XXXX stated he would pay the first month payment of the loan as a goodwill gesture ( see attached- it 's not even the right car ). When I called Hyundai finance, no payment had been made. 
We believe this was another attempt to deter us or defraud us. 
We have NO idea how we got financed for the vehicles since our credit is less then average XXXX we upgraded. No money down ; trade in was a new car. We had also gone to XXXX other dealerships prior and were denied. 
Also, after checking credit reports, we have OVER XXXX hard inquiries from XXXX XXXX Hyundai, Hyundai Motor Finance and XXXX XXXX XXXX on both of our credit reports. without permission
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Bankruptcy reference # XXXX has inaccurate reference numbers, inaccurate court locations, inaccurate date filled/reported on all three credit bureaus making information invalided
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious account. I think you have not validated this account. this account must be verified as soon as possible This was already included in my prior COMPLAINT and I am including it again XXXX XXXX Balance Owed : {$200000.00}
Product: Student loan

I never attended XXXX XXXX XXXX, the loans were originally in my sons name. He was changed from 'Signor to to co Signor ' though they cant produce those documents. Ever since it went to Navient it is laughable. They 'Sallie Mae ' changed myself to student and 'Signor ' Which I never was. Now as a retired man at age XXXX they continually call and send letters ( even after we pay the agreed amount ) and cuts into food, but also still say work with us and add to monthly payments as both my wife and I are retired ( 2 months ago ) she is going through XXXX for CLL and has been and they continue the " Brute Tactics '' Claiming pay more a month! They were completely 'Libel for Predatory loan practices as I was a co-signer but decided I was it because I had a job ' the whole loan should be removed and expunged as I was never a student. They also say well your retired that You know have more money to increase payments and the interest.
Product: Checking or savings account

I had an unauthorized XXXX transaction on my Capital One account for {$1000.00} on XX/XX/XXXX. I provided proof that my phone was hacked and compromised on XX/XX/XXXX. Capital One denied my dispute stating that the payment was sent through a trusted device ( yes, I stated that when I said my phone was compromised and sent them proof ). They also claimed touch ID or face ID was used to make the payment which is a complete lie. I do not have Face ID installed on my phone nor touch ID. I did not make this transaction and they will not protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX try to inform you that I am a victim of identity theft and I complain to question particular accounts in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$98.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$94.00}
Product: Mortgage

Our mortgage company, Lakeview Loan Servicing , LLC has not been paying the property taxes even though we have been escrowing monthly payment ( {$460.00} ) ever since the inception of the loan. We received notification of tax delinquency in XX/XX/XXXXand reported it right away, following up with faxed documents and phone calls at least six times since. Now the town will be placing a tax lien on our property Monday. Our last mortgage statement shows an escrow balance of over {$4000.00}. We have never been late with a mortgage payment.
Product: Credit reporting 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. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : 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 : XXXX Account Number : XXXX and list of Inquiries. 

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

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, Experian, and XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint and issue a cease-and-desist order against XXXX for multiple violations of federal laws and regulations, as well as against XXXX, Experian, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in Nordstroms reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX continued to furnish information related to my account to XXXX, Experian, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX has failed to provide me with a XXXX for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX has breached its own terms and conditions by sharing my information with non-affiliates, XXXX XXXX XXXX XXXX, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, Experian, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX, XXXX, Experian, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

In XX/XX/2019, I applied for PSLF with my then loan servicer XXXX. They responded by transferring my 6 disbursed loans to FEDLOAN Servicing effective XX/XX/2019. I am on a IDR plan and had made 18 qualifying payments on the due date ( effective the XX/XX/2019 certification date ) When FedLoan received it from XXXX, they only credited several of the loan accounts with the 18 qualifying payments. Some of them showed XXXX. If the monies had been recorded correctly, they should all have the same amount of qualifying payments. 

I have reached out to them numerous times. The email request said I should just look online for the updated number ( there was none ), and the only verbal phone call response was it may take months to review the case.
Product: Credit reporting or other personal consumer reports

i recently reviewed my account and noticed i had fraudulent accounts on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the CRA many times regarding this XXXX error. I won my lawsuit against the company and they still have it as negative on my account as a charge off and that is incorrect. I do not owe XXXX any money in addition i sent them the court documents with the judges signature. They are purposely affecting my credit report as they are being paid by XXXX to not have it removed. As per the paperwork the judgement amount is XXXX. Meaning i do not owe. I sent this information via certified mail as well. This is at least a years worth of damage. I plan on suing the credit report agency if they do not remove this negative XXXX account off of my credit report. As this financial issue has a negative burden on my life.
Product: Debt collection

I sent a letter to dispute this account as well as validation .... no validation was sent as to prove 100 % accuracy. I recieved no copy of charges of the bill, signature and/or social attachment proving this account belongs to me. Since they failed to provide any proof : 1.Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4. Show proof they have the legal right to collect in my state.

Not only that, that is a violation of HIPPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

In Complaint ID XXXX that I submitted, I requested ALDOUS to provide oirginal SIGNED contract documents with XX/XX/XXXXXXXX XXXX XXXX breakdowns of how this alleged balance come along, and proof with detail explaination of why my payments were stopped. I would also like to get a copy of proof that prove ALDOUS has ownership/rights to service this alledged XXXX from XX/XX/XXXXXXXX XXXX. 

Aldous responded that they would have to request those information from XX/XX/XXXXXXXX. Aldous claimed they have this alledged balance since XXXX of 2024. I expect this company should already have these information readily available. I would like CFPB to investigate if this company indeed has any rights to serve this alledged balance or better yet report on my credit. It seems they do not have the paperwork to prove that this is a ligitimate. I request that Aldous needs to remove the my credit reporting immediately. A formal dispute has also been delivered to their mailbox. It was delivered XX/XX/year>. XXXX XXXX : XXXX. On a recorded call, Aldous also aknowledged they have receieved the dispute.
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. 

Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I paid XXXX XXXX XXXX {$170.00} using Chase Debit card, I did not receive any service, I tried to dispute it. 

XXXX only has an intention to make a fool of the customer, I sent them a message on their app, also tried to connect with them on " XXXX  '' but to no avail. 

Finally they asked me to contact customer service on a phone number, when I contacted their customer service, their world famous XXXX customer service came over the phone, thats the most irritating customer service in the whole world. 

They ask stupid, nonsense, irrelevant questions which doesn't make any sense, their only intention is to irritate the customer so much that either customer bang up their head on the wall, or XXXX XXXX 

After wasting XXXX minutes of mine and promising me the world, they said that they can not dispute the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue has been going on for how many months now. I require that you please step up and assist me in fixing the accounts that I have with XXXX XXXX XXXX, XXXX XXXX. The accounts were not paid late on the month it shows on my credit report.. Therefore this is either an error on their part or someone used my information without my authorization. Either way I would like it fixed from my credit files right away and notify me when its done