23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collection company by the name of " Asset Acceptance LLC '' has been using " scare tactics '' by threatening to sue me when my debt is way past my states Statute of Limitations. I wrote them a letter stating to them that what they are doing is illegal and that I am willing to take action against them with my legal team. Instead, they sent another letter.
Product: Credit reporting or other personal consumer reports

This company has violated my right to privacy and has unlawfully reported inaccurate information to the credit reporting agencies. When a creditor forgives or writes off a debt of {$600.00} or more, they are required to report this amount to the IRS using Form 1099-C ( Cancellation of Debt ), and they must also provide a copy of this form to the debtor. The debtor is then required to include this amount as income when filing their tax return. 

26 U.S.C. 61 ( a ) : This section defines " gross income '' as " all income from whatever source derived, '' which includes income from the discharge of indebtedness ( i.e., when a debt is forgiven or canceled. Income can not be reported on a credit report.

o Section 602 ( a ) of the FCRA ( 15 U.S.C. 1681 ) prohibits furnishing inaccurate information to consumer reporting agencies o Section 604 ( a ) of the FCRA ( 15 U.S.C. 1681b ) states that a consumer reporting agency can not furnish information about an account without the consumers written instructions o According to 15 U.S.C. 1692c, a debt collector may not communicate with any person other than the consumer ( or their attorney ) regarding a debt without prior consent from the consumer or express permission from a court o Under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt in writing within 30 days of the initial communication, the debt collector must cease all collection activities until they obtain verification of the debt and provide it to the consumer. 

This company refuses to validate any information requested. I recently reported this company they responded informing me that they sold my information to another company. Therefore I am demanding that Immediate Deletion of this account from all consumer reporting agencies and Cessation of Any Negative Reporting related to this account, including the removal of any adverse information that has been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am filing this CFPB compalint in reference to disputes. That were sent cerified to the three major credit bureaus. Experian, XXXX XXXX, and XXXX in the filing of these disputes for request for reinvestigation I never got any results from my dispute for reinvestigation. I sent my disputes by certified mail, and yet I was not provided any information back at all. 
Experian, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Have violated my constitutional Rights under FCRA , 15 USC 1681Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is accurate and recvord the current status of the disputed information, or delete the item from my file before the end of the 30 day period beginning on the date you received this notice. 
My didpute was sent by certified mail, I demanded to see verifiable proof ( This should have beeen hard evidence that goes all the way back to the original creditor, not verification from a third-party database. 
The three major credit bureaus, Experian, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Have continually violated my rights by continual noncompliance as it relates to violation of the FCRA 15 USC 1681. 

( See attached uploaded disputes violations ). 
As, of the sending of this CFPB complaint, I will be following up with the filing of Civil lawsuits. Against the creditors and the three major credit bureaus, for the violation of my federal constitutional rights.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. 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 reinvestigated.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States ), that the information provided is true and accurate to the best of my knowledge. Additionally, I certify that I am allowed by FEDERAL and STATE LAW to file this dispute on my own behalf. I also understand that knowing and willful misinformation or omitting of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report is not related to any transaction that Ive made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being invessigated by the FTC.
Product: Payday loan, title loan, or personal loan

During the first part of Covid-19 Pandemic I was temporary laid off from work.I called Upgrade loans to inform them of the situation And they put me on a three month Payment Reduction Plan.After the 3 months was up, I went back to normal payments.I made a normal payment the first part of XXXX, XXXXNow that I made normal payment, im getting calls from upgrade asking me when im gon na make payment and emails saying im behind.etc..Im not behind and never been late ... ..upgrade needs to stop with these calls and put correct info into there computer system.I hope they are not informing the credit bureaus wrong information.And ihope they are not charging me late fees and interest.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was a customer with XXXX  and I first order just a impression kit on XX/XX/2019. That was just to see if I would be a candidate for the XXXX XXXX for my teeth. I didnt sign any documents at that time. I just entered my basic information and made the payment of {$49.00} for the impression kit. After going through the process, I had to go to a location to have my teeth scanned. At that time I was asked to sign if I wanted to fast track the production of my XXXX. That was what I approved. The production of the XXXX. When the XXXX  arrived and I began the process, I realized that I didnt get a finance agreement. I paid the initial {$250.00} deposit online myself. I never received a finance agreement with the terms, percentage rate or length of the loan payments. I went online and was directed to a website for the company financing the XXXX. XXXX XXXX. There I discovered that a finance agreement had my electronic signature on it. I never signed a finance agreement with XXXX XXXX XXXX, up until now I never knew who the finance company was. I never knew about the terms, interest rate or length of the loan payments. And it was dated XX/XX/2019. I wasnt with XXXX at that time and never e signed anything with either party. I called the finance company and was told that the contract was sent to them already signed from XXXX. I then called XXXX and no one there knew why it was signed. I thought it to be fraud and I told them so. Several request were made for a manager from XXXX to contact me, that was last year XX/XX/2019. I was never contacted by anyone from XXXX or XXXX XXXX XXXX. 
Instead of XXXX direct trying to resolve this issue in good faith, they sweep it under the rug and sent my account to a debt collection agency. The debit collection agency is AmeriAssist. I contacted them to explain the situation to several members of their team only to be basically told, Tough luck, we understand what your saying but you still have to pay. AmerAssist then sent the account to XXXX  and my credit score dropped by 15 points. Now my credit has been impacted for no fault of my own because of unscrupulous people. Amerassist continues to ignore my complaint and insist on calling me daily. I dont have any finance agreement with XXXX XXXX XXXX. So I dont owe them anything. They had months to clear this up. They are fraudulent.
Product: Debt collection

This company is threatening to sue me for a debt that I did not agree to be sold to them nor can they prove I owed the original debt.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : REQUEST LETTER TO REMOVE INACCURATE ADDRESS To Whom It XXXX Concern, I discovered an address that is reporting inaccurately on my consumer report. EXPERIAN is in direct violation of my consumer rights reporting inaccuracies of an incorrect address that does not belong to me. 

The following address listed below is reporting inaccurately and does not belong to me. I demand that you promptly delete this address from my consumer report : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX According to the Federal Credit Rights Act FCRA XXXX XXXX XXXX XXXX ( b ) ACCURACY OF REPORT- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. As a consumer reporting agency XXXX XXXX XXXX ( f ), you are governed by the Fair Credit Reporting Act FCRA. XXXX XXXX XXXX, which protects consumers from inaccurate, outdated, or invalidated information reporting on their consumer report. According to the FCRA it is the consumer reporting agencys responsibility to ensure that all information contained within our consumer files are accurate and free of errors. 

For verification purposes I have enclosed a photo copy of my official state issued drivers license and my social security card to validate my identity clearly shown below : XXXX XXXX XXXX SOCIAL SECURITY NO : XXXX D.O.B. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX Email : XXXX Thank you for your assistance in this matter. 

Best Regards, XXXX XXXX
Product: Mortgage

This morning XX/XX/2020, another Clueless person called me. 

The reason the forbearance was a scam is that despite news reports that whatever amounts owed would be tacked on to the end of the loan, it clearly said in my paperwork that I had to pay it in a lump sum so I decided not to do that and not let myself fall for another bank scam to capture my home. I paid in full ahead. It was YOUR SCAM And then due to BofA rules you could not do a refi at a lower interest rate which would logically reduce my monthly mortgage payments. Given my XXXX FICO score on my {$2.00} XXXX home with a $ XXXX mortgage I question why you keep ignoring my reality, my good credit, and my request and keep having clueless people call. THEY DONt KNOW. I wish to reduce my monthly payments and a lower interest rate refi is the logical way to do it. Its been three months. Your right hand doesnt know what the left hand is doing. You have appointed yet another clueless individual named XXXX who can not be contacted and whose letters are form letters. 

READ!!!!!!!!!!!!! Lower interest rate refi. {$2.00} XXXX  Dollar home. XXXX FICO score. {$300.00} mortgage balance. Lived here for over 40 years. 

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

Negligent to report accurate XXXX balance. Company has not reported since XXXX. 

XXXX account numbers on credit report- inaccurate. 
( XXXX and XXXX ) Agent explained that only XXXX XXXX XXXX. 
Company has not reported accurately since XXXX dur to a system upgrade, reported that they would update with credit bureaus within XXXX hours. Again, inaccurate. 

Request for XXXX balance letter could not be sent via email or system, only snail mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX in my name location in XXXX and I have never even been there before.its almost {$350.00} and I need to get rid of this i was incarcerated for 14 mtgs and other than that have been in XXXX pa for almost 4 yrs now. Also I filled my back payment for employment and yet to hear anything I have been out of work since XX/XX/XXXX or XXXX and didn't get my unemployment started untill XXXX or XXXX so if anyone wants to look in to that as well I will be extremely greatful. Also I tried to help my credit by applying with self now I have two accounts and don't know how to close them.also my debt card for XXXX was lost and spent {$1500.00} on it and I went back to jail before I was able to get something done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX  ( XXXX XXXX ) is inaccurately reporting on the credit reports associated with my social security number and this violates my consumer rights per the following information : There are several inconsistencies in the account information provided by the three credit bureaus : XXXX, Experian, and XXXX. 

Firstly, the Account Type Detail for XXXX and Experian is listed as " Auto Loan, '' while XXXX does not have any information for this field. 

Secondly, the Account Status differs among the bureaus, with XXXX and Experian reporting the account as derogatory, while XXXX reports it as open. 

Thirdly, the balance of the account varies between the bureaus, with Experian reporting an {$8000.00} balance, while XXXX and XXXX report a {$0.00} balance. 

Fourthly, the Payment Status field is inconsistent, with XXXX reporting it as " Unknown, '' Experian reporting it as " Collection/Chargeoff, '' and XXXX reporting XXXX as " Unknown. '' Finally, the Last Reported field shows different dates for each bureau. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and complete information in credit reports. Specifically, the FCRA sections that are violated in this case are : Section 607 ( b ), which requires that credit reporting agencies follow reasonable procedures to ensure the accuracy of credit reports. 

Section 607 ( c ), which requires that credit reporting agencies include complete and accurate information in credit reports.

Section 611 ( a ), which requires that credit reporting agencies reinvestigate disputes and correct errors promptly.

Section 623 ( a ) ( 2 ), which requires that credit reporting agencies report the date of last payment accurately.

Overall, these inconsistencies are negatively impacting my credit score, and it's important to take action to correct any errors in credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a new credit chard from XXXX XXXX XXXX. On the letter accompanying my credit card, it included my credit score and also stated, " Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact Equifax : '' I went online and called in order to obtain this report but it refused to give it to me without charging me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX, Credit Karma, ( Partner 's ) Dispute of Negative Reporting Due to Lack of Consent Dear, XXXX I am writing to formally dispute the negative information that has been reported by your company to Credit Karma regarding my credit profile. I want to emphasize that I did not provide your company with written consent to report any negative information pertaining to me.

Under the Fair Credit Reporting Act ( FCRA ), negative information may only be reported if there is a permissible purpose and proper consent from the consumer. As I have not authorized your company to disclose negative information to Credit Karma. I request that you take the necessary steps to investigate this matter.

Specifically, I would like the following : Verification of Reporting Please provide documentation that shows the basis for the negative reporting and any evidence of my consent for such reporting. 
Immediate Removal of XXXX XXXX XXXX Account if no consent is found, I request that the negative information be removed from my credit file immediately. 


I appreciate your prompt attention to this matter and look forward to your response within the time frame specified by the FCRA. 

Sincerely,
Product: Debt collection

I owed a collection debt to Mandarich law group, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX in the amount of {$890.00}. I paid with XXXX money orders that was attached together when I mailed them. On XX/XX/2022 I spoke to a representative and they told me they received {$500.00} of {$890.00}. The representative told me to call back and the payment might post tomorrow. I called back on XX/XX/2022 and spoke to another representative and they still are saying they do not have the other money order in the amount of {$390.00}. The money orders was attached to each other, there is no reason why they received XXXX but not the other.
Product: Checking or savings account

To whom it may concern, On Saturday, XX/XX/XXXX, approximately XXXX XXXX   Central Standard Time, I visited the Capital One branch located at XXXX XXXX XXXX, XXXX, TX XXXX. Due to technical issues, the branch employees were unable to pull my account information for an auto loan payoff transaction. One of the bankers was out in the main lobby with her laptop attempting to verify customer information and proceeded to ask for my personal information to assist. She asked me to verify my last name, address, and social security number out loud. I proceeded to verify verbally in a hushed tone, however, she loudly repeated my responses of my personal information to verify accuracy while there were other people in the vicinity and including the person that was with me buying my vehicle by paying off my auto loan. This is a clear and blatant breach of my privacy and my personal information. The person with me buying my vehicle heard her clearly and could easily recall my personal details after the fact. This banker completely disregarded and violated my privacy while being aware that we were in the middle of a busy lobby with people only a few feet away from each other that could listen in on her repeating my personal information out loud. Not only is this unprofessional behavior, it is unethical and illegal. 

1. I want to know if bankers conducting verification of customers personal information by repeating this information out loud is standard procedure at Capital One. 
2. What remedies are available to me now that my personal information has been compromised by Capital One? 
3. What actions will Capital One take to mitigate this failure to protect my privacy and undoubtedly the privacy of other customers? 

Additionally, based on the response by Capital One, I will consider legal remedies to my loss of privacy due to the negligence exhibited by this capital one employee. I also feel that the local public needs to be aware of these practices as they are risking their private personal information by conducting business at this branch with Capital One.
Product: Payday loan, title loan, or personal loan

A lady named XXXX XXXX is calling my entire family about a pay day loan from over 10 years ago that was paid off. She is threatening me saying I have a federal case against me and will take action. She has scared my sick mother and will not stop threatening us.
Product: Vehicle loan or lease

XXXX vehicle were involved XXXX was vehicle was totaled insurance paid out on vehicle and XXXX later. I was told there was a balance left I still had to pay off I didn't believe so but paid XXXX other was a repo .over charge on insufficient funds