23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The collection agency/law firm is collecting on a debt that is in a formal dispute. They are violating my rights under the fair credit debt collections practices act. The creditor has continually sent it to collections without satisfying the initial dispute and for this reason the collection agency is also violating my rights.
Product: Credit reporting or other personal consumer reports

I do not consent to these inquiries being on my consumer report. Please delete immediately according to The FCRA Section 604 Permissible Purpose these are exclusions. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Cavalry Portfolio Services continues to collect on an alleged debt that is outside of the statue of limitations per my credit report and they have failed prove that this alleged debt actually belongs to me. Over the course of the last couple months, I have attempted to have them prove to me that this account is mine to no recourse.
Product: Debt collection

I sent a letter through the mail on XX/XX/XXXX and the company has not replied to my request of verifying the debt. 

Under the Fair Credit Reporting Act ( FCRA ), the company has 30 days to validate/verify the debt, if they are unable to verify they must remove the inaccuracies from my credit report, if not I will submit a complaint to the XXXX, FTC and I will contact my state Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Received response letter from Transunion stating that they refuse to reinvestigate public record : Chapter XXXX Bankruptcy. Transunion stated unless consumer provide additional information such as letter from creditor or courthouse they are not required to reinvestigate the same item at this time. I have enclosed a letter directly from the courthouse stating that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. ( Transunion can review the letter enclosed as an attachment in this complaint. ) Transunion stated in their response letter that it is their goal to maintain complete and accurate information. ( I have provided a XXXX  document showing the comparison of how the bankruptcy is being reported inaccurately across all three bureaus. ) Items reporting on a consumer 's credit report must be reporting 100 % accurate across all three bureaus via the Fair Credit Reporting Act. If an item is not reporting 100 % accurate across all three bureaus the item must be deleted from the consumer 's credit report.
Product: Debt collection

HRRG called me approximately 6 or 7 weeks ago to collect a debt that I apparently owed to XXXX XXXX XXXX in XXXX of 2015. When I called XXXX they stated that they do not work with HRRG as a debt collection agency and that I did not owe them any money. I called HRRG back and requested that they mail me a bill so that I can see the original creditor because the lady on the phone told me that she can not give that information out. After I gave her my address she stated that she would have to note on my account that I refused to pay at that time. After receiving the bill via U.S. mail, I called them because there is still not enough information regarding who I owe and once more I was told that client information is private, and I told her that I would not be able to pay it unless I knew who I was paying. She got an attitude and firmly told me that it was only {$29.00} and that I am required to pay it. Once more I asked who I owed and she stated that it was just a physician, but she could not tell me who. Then she threatened to send it to my credit and hung up the phone.
Product: Credit card or prepaid card

Truist Bank failed to apply principal balance to the principal account for set off. Violation : I submitted a restrictive endorsement ( Bill of Exchange Act ) on several occasions ( endorsed payment coupon ) which is a negotiable instrument and lawful form of payment. Truist Bank denied the lawful form of payment and therefore caused an issue with the account. 





I, XXXX, XXXX : on behalf of XXXX XXXX XXXX CFO XXXX XXXX of Truist Bank by certified mail XXXX XX/XX/23 instructing CFO XXXX XXXX to apply my principals balance to my principals account for set off. I sent CFO XXXX XXXX my tender along with my instructions pursuant to the Bills of Exchange Act. I informed Truist Bank that it is not now, nor has it ever been, my intention to avoid paying any obligation that I lawfully owe. I am not refusing to pay. I am trying to set off this debt as instructed by law. My tender and instructions were refused on both occasions. I notified CFO XXXX XXXX of Truist Bank by certified mail again dated XX/XX/23 and provided my tender and instructions. Again, Truist Bank failed to perform their fiduciary duty. I received letters from Truist Bank stating that they do not accept my presentment or negotiable instruments. This is described as Dishonor pursuant to the Bills of Exchange Act ( Section 80 ). I notified CFO XXXX XXXX of Truist Bank a 3rd time dated XX/XX/23, by certified mail and again instructed him to apply my principals balance to my principals account for set off. I sent CFO XXXX XXXX my tender along with my instructions pursuant to the Bills of Exchange Act. Once again, my instructions were refused. Pursuant to the Federal Reserve Act ( Section 29 ), Truist Bank has shown a pattern of misconduct and knowingly breached their fiduciary duty ( Third Tier ). 



Federal Reserve Act section 16 Part 1 and 2 states that once I submitted my application for credit, the application serves as collateral security. In an equitable contract according to contract law, both parties should receive equal consideration. I have not received my equal consideration on the collateral security created from the application in the form of interest or equity to set off the debt for the Truist account ending in 4862. 12 USC 1431 also states banks are borrowers and to pay interest on debentures ( debt instrument ). 



LAST ATTEMPT TO CURE BEFORE PROCEEDING TO LITIGATION
Product: Debt collection

I have been calling for a week has been showed paid. For a week. Everyone refuses to notify my employer even though my checks are about to get garnished. No one will help. The list guy said yes I have to by the extra until their attorney gets the release in even though the attorney w 's in the file. I was refused to be transferred to supervisor. I told them hen they get the garnished check from my employer to not cash it and send it back and he wont do that either. They are not make any effort to not take extra. XXXX XXXX rausch and strum company
Product: Debt collection

I have requested numerous validations of debt from a debt collection company by the name of ( XXXX XXXXXXXX  ) that is trying to collect an amount of {$17000.00}. The company has sent me the same documents multiple times showing where they bought the debt from XXXX Westlake Financial ) consisting of a bill of sale, the retail installment contract between ( XXXX ) and I ( XXXX XXXX XXXX ), The credit application that I ( XXXX XXXX XXXX ) used to apply for financing with ( XXXX ) along with the used car bill of sale that I ( XXXX XXXX XXXX ) signed with ( XXXX ) and a Notice To Sell Property by ( Westlake Financial ) at a public auction after the vehicle was repossessed. Nowhere in there Verification of Debt has ( Investment Retrievers ) provided legitimate paperwork with my signature in ink saying that I agree to pay ( Investment Retrievers ) for the debt that was owed to ( Westlake Financial ). They have participated in 15 U.S.C. 1962 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. states that a debt collector can not practice. And has also tried to sue me for debt that I do not owe to them. This has taken an affect on my livelihood. Please resolve this issue and remove this collection from my XXXX and XXXX credit report. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 120 days late for the month of XX/XX/2019 as reported in 3 Credit Bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding. Please Investigate and report the payment status positive and update all late from reporting on this account : DPT ED/OSLA-XXXX-Balance {$1900.00} OK STUDENT LOAN AUTHOR-XXXX-Balance {$1900.00} DEPT OF EDUCATION/XXXX-XXXX-Balance {$1900.00}
Product: Debt collection

I signed a Quit Claim Deed relinquishing all interest in real property located in XXXX, Washington in XXXX XXXX. My then husband, XXXX XXXX XXXX, DOB XXXX/XXXX/XXXX, subsequently filed for individual bankruptcy later the same year. Due to refinancing the subject property during the ex 's bankruptcy proceedings, XXXX different finance companies related to the refinancing put the ex 's bad debts on my credit report because they knew they could not touch him. This is fraud and grounds for a lawsuit. I sent letters to XXXX, XXXX and XXXX demanding they remove these fraudulent debts from my credit record and received a response from LVNV Funding , LLC, one of the refinance companies involved with the ex 's property. They sent me a " verification '' form which they think I will take as a valid, legal debt on my credit record. However, I have been a paralegal for going on 24 years now and I do not fall for things like that. I am drafting a Complaint against LVNV Funding , LLC, all of their affiliates and XXXX XXXX ( the original account holder ) which I will file in 30 days if the fraudulent debts on my credit record are not removed by then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Portfolio recovery has called my place of employment multiple times, in XX/XX/XXXXI kindly asked them to please stop calling my work because I am not allowed to take personal phone calls on work time. Of course, Portfolio has continued to call despite that request! My boss XXXX near fired me because they keep calling, it took me hours to explain that I did not ask them to call! I've never felt the need to complain until now, but this is ridiculous! Stop with the absurdities and enforce my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions.

I assure you that missing payments is rare for me. You can check my payment history to see that Ive always made on-time payments. These loans were discharged due to 100 % XXXX and never went into forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been inaccurately reporting my automobile account for several months now. The account is in collections/charge off and being reported as a repossession. The vehicle was never repossession even though payments stopped in XXXX of XXXX. The company informed me that They " pass, '' on the vehicle as of XX/XX/XXXX, which basically means that they won't be picking it up and don't want it back. Since XXXX of XXXX XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. It has recently been reported as closed in XXXX and then closed again in XXXX. Transunion and XXXX are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. Transunion and XXXX continue to ignore these inaccuracies even though they continue to see and report these fluctuations in my balance and account closed dates that change almost monthly regardless of the many disputes I have submitted as well as disputes by XXXX XXXX whom I have contracted with to assist me to do the job of the credit bureaus. I would like this account removed immediately from my credit file as it should have been months ago. I do not feel that Credit Acceptance is capable of discontinuing inaccurate reporting as there have been over 1,000, 000 complaints of the same nature filed against them with the XXXX and the CFPB. If this file is not removed in a quickly and timely manner, in hopes to reverse the damage done to my credit file and financial well being, I will being a lawsuit against Transunion, XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX  add a derogatory mark in my credit report at XXXX XXXX upon further research this account was transferred/ hold and I am not longer responsible for the account, debitors credit did not verify this collection. Also there's was not written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the fcra Portfolio recovery has violate my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Subject : Inaccurate Late Payment and Balance Reporting Today Mastercard ( Account Ending XXXX ) I am submitting a formal complaint against Continental Finance Company ( CFC ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for inaccurately reporting my account status and violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I enrolled in a financial hardship repayment plan offered by CFC, which established : Fixed monthly payments of {$55.00} 5 % APR No late fees or maintenance fees Account closure with no further charging privileges Despite making my XXXX payment on XX/XX/XXXX, and another payment in XX/XX/XXXX, my credit report now shows : A {$110.00} balance, suggesting I missed a payment ( which I did not ) A XXXX late payment, which is incorrect under the terms of the agreement This violates : 1. FCRA 1681s-2 ( a ) : Furnishers must report accurate data 2. FCRA 1681i : Credit bureaus and furnishers must investigate and correct disputes within 30 days 3. FDCPA 807 ( 8 ) : Prohibits knowingly furnishing false information to a credit bureau I have contacted CFC, who confirmed my XXXX payment was received, yet the inaccurate reporting remains. This reporting is harming my credit score and my ability to secure housing and credit during financial hardship.

Relief Requested : Immediate removal of the inaccurately reported 30-day late payment Correction of the reported balance to reflect the accurate status Written confirmation of the updated information Investigation into CFCs credit reporting practices I am attaching my hardship agreement letter and proof of payment, and will provide further documentation upon request. 

Please ensure this matter is fully investigated and resolved. I am seeking CFPB enforcement if the violations are not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to creat an account on Credit Karma and found an existing account using my Social and Name. I did not create this account and the e-mail associated is not mine. It also appears whomever had information has opened three accounts using my personal information. They have done nothing to close account or investigate the account information. I have incurred debt due to the identity fraud.
Product: Mortgage

I completed a Home Equity Agreement in XXXX and submitted a request to refinance the loan in XXXX. I received an initial approval but was denied by underwriting with the reason given being insuffient equity in the property. The property has been appraised for more the $ XXXX but the lender has used a lower valuation for its calculations to justify its action. Since that time the property has been improved, interest rates have lowered and the property has increased in value. I have attempted to submit a new request based on these facts. Nonetheless, the lender Unlock has demonstated a consistent pattern of avoidance to prevent action on the account. Ive been subject to numerous reroutings to and unreturned calls.
Product: Credit reporting or other personal consumer reports

Inaccurate information being reported on my credit report by the company XXXX XXXX XXXX on all 3 credit reporting agencies account # XXXX date account was open close date of account last payment and account payment history is inaccurate and should not be included in my credit report.

I told the Experian to investigate the account for accuracy because I recently pull my credit report and all 3 credit reporting agencies, and I notice there were inaccurate information reporting on my credit report and inconsistent information being reported on all 3 reports. I try to fix it with Experian, and I keep getting back the same result, Experian failed to do their job and according to 15 USC 1681 everything need to be 100 % accurate and complete. Experian claims that everything one 100 % accurate and that the creditor certified everything is complete and accurate. I've attached and highlighted all the inconsistent and inaccurate information that is being reported on all 3-credit report by ally financial services. also, a letter direct from the creditor showing two different information that they claim to be accurate. 
I also did some research and according to the law 15 U.S. Code 1681a.

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not includereport containing information solely as to transactions or experiences between the consumer and the person making the report. Experian is reporting my experiences and transactions with ally financial services and according to the law a late payment is a transaction and experience. there should not be no late payment reporting on my credit report according to 15 USC 1681a 2 and I was never late to being with.
Product: Mortgage

Nationstar is the worst mortgage servicer in the world. They should be shutdown. Every time I interact with them, they mess up what they are supposed to do with my money. I just recently went on their website and processed a purchase and coded it as an extra escrow payment, and they coded it as a principal payment. I now have to call them and go through their terrible customer service to have them apply it to escrow. They will then lower my payment instead of just adding it to escrow, and I will have to have them run another escrow analysis. They will then send me a check that I do n't want. I will then attempt to send them back the money since I want it in escrow and they will mess that up again. The circle continues this way with no end in sight. I have contacted you before on their incompetence and nothing is fixed with this company. When do you plan on fining Nationstar? When will they be shutdown? Can you force them to switch me to a mortgage servicer that knows how to service a mortgage?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act, XXXX  Account : XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I demand that this account be corrected immediately : XXXX XXXXXXXX