23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received numerous harrassing calls/messages threatening legal action but no written communication/proof of the alleged debt from this collection agency. When I asked for this, they refused without me first providing my SSN. They call numerous times leaving messages, I don't know who these people are and have no knowledge of any alleged debts. They are now calling family members leaving messages in addition to me prompting concern for my privacy. I want ALL harassing activity towards me and family members to cease immediately, and all phone numbers removed from their records immediately.
Product: Consumer Loan

I have a car financed with Honda Financial. I was working with an account manager to get my account caught up. I called in to advise him that the car was involved in a wreck. A sub told me he was on vacation, and I needed to get a personal loan. She also told me that I needed to pay the next day because they were looking for the car, and they would come get it. I was not aware that they were planning to get the car, so I told her I was going to put the car into the shop to get fixed first. 
XXXX weeks later, a repo man from XXXX XXXX XXXX shows up at the gym that I have been doing personal training at, and he watched the entire bootcamp workout. When I walked around to the front, he came to the front and approached me. He obviously found me on XXXX because he knew what I looked like, what time the boot camp started, and he approached me. He told me he was with Honda Finance, and I better give him the 2013 XXXX XXXX. He showed me papers from XXXX with a bulk of my personal information that could even be a result of Identity theft if someone choice to steal it or lose the paper work. He also stated out loud in front of customers, and other people affiliated with the gym that I was XXXX months past due and owed over {$1900.00} to them ( XXXX ). I told him XXXX knew where the car was, and He could not be with XXXX because his truck said XXXX XXXX XXXX. I told him he was not allowed in the gym, and would need to leave. He told me it was a public location, and I advised him he was not welcome there and do not come back. People come there to workout with memberships and he violated so many of my rights and privacy. When the owner started walking to the front, he started to leave. He told me he would wait outside for me. The car was not even at the gym because it was at the shop. He knew I would be there at XXXX to do the workout. Because he knew what I looked like, he decided to stalk me and the others in the gym. He claimed he was with Honda financial. All the paper work he had included my personal private information, which half of it he stated out loud, came from Honda financial.
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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit 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 XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX  I wrote you all on XX/XX/year>. I requested a few documents because you are reporting to the credit bureaus that I owe you all {$660.00}. I want to know where this number is coming from. Please provide me with documentation that shows how this balance was calculated. By now, you should have had enough time to get this out of your files. It's been since XXXX when I wrote you, but still no proof or any type of communication. Maybe my letter got lost. Please provide me with : The original retail sales installment contract Calculation for deficiency balance Repossession notice ( with certified mail tracking slip ) I am attaching the letter I sent you all for proof
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report that I got a copy from and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and I also have no knowledge of this account. It's my understanding that TransUnion will investigate this account to ensure accuracy. Here is the account number and I asked that you verify as accurate : Name XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inaccurate account from my credit report as I have never authorized anyone to use my account. It is important that you eliminate these fraudulent accounts to ensure the accuracy of my credit report. Thank you for your prompt attention to this matter.
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.

XXXX XXXX : XXXX XXXX - has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX - has violated my rights XXXX  XXXX : # XXXX - {$2900.00} - has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX has violated my rights 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 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: Vehicle loan or lease

New car loan with Kia Finance. AutoPay was setup on the loan to pay. The first auto payment, in XX/XX/2021, was not processed due to an unknown reason. I had to manually pay online. 
The second payment was also not processed due to an unknown reason. Attempted to pay manually again while I figured out the issue and the account was locked. 
I called Kia Finance and found that the account was locked for 90 days because the account data for the auto pay setup was entered incorrectly. Unfortunately this wasn't known earlier so it could be addressed. 
Kia now says since the account is locked and all payments have to be made by phone with a {$7.00} fee added. I called Kia customer service to get this resolved but they refused to remove the lock or remove the punitive fee. I have no choice now but to call and make a phone payment and incur the additional {$7.00} fee. 
I asked Kia customer service to resolve this by removing the lock so I could correct the auto pay, but they refused. I also asked them to waive the {$7.00} fee until the lock is released but they also refused that option. 
I spoke with XXXX from Kia Finance, employee ID XXXX to try and resolve this matter. 
My account number with Kia Finance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my XXXX, XXXX, and TransUnion credit reports reported by XXXX XXXX XXXX XXXX for account number XXXX, and XXXX XXXX XXXX for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and TransUnion. To date, I have not received anycompliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. These accounts do not belong to me. I have no knowledge of these accounts. Unauthorized opened accounts. To date, XXXX, XXXX, and TransUnion are reporting false information to my credit reports. Therefore, I expect these accounts will be removed from my credit files immediately.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report. i noticed that i have been a victim of Identity Theft and found numerous credit inquiries that i have no knowledge of. Here are the inquiries : XXXX XXXX XXXX XXXXMERCEDES BENZ XXXX XXXX XXXX MB FIN SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX MB FIN SVCS XXXX MB FIN SVCS XXXX Please remove these fraudulent inquiries off my credit report. I also attached my identity theft report.
Product: Debt collection

Formal Dispute Violation of FCRA & Regulation F Demand for Immediate Deletion Dear Experian, I am formally disputing the accuracy of the following accounts that have been reporting incorrect information on my credit file. These accounts have been charged off and closed, yet the collection agencies continue to update the balance monthly, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Regulation F. 

The accounts in question are 1. [ Collection Agency XXXX XXXX XXXX XXXX # XXXX CHARGE OFF XX/XX/XXXX 2. [ Collection Agency XXXX XXXX XXXX  acc # XXXX open and charge off XX/XX/XXXX 3. [ Collection Agency XXXX  XXXX XXXX  ACC # XXXX open and charge off XX/XX/XXXX XXXX XXXX XXXX ACC # XXXX XXXX CHARGE OFF XX/XX/XXXX XXXX # XXXX XXXX charged off XX/XX/XXXX Per the FCRA, any information that is inaccurate or misleading must be deleted immediately. Reporting an updated balance on a charged-off account constitutes unlawful re-aging, which negatively impacts my credit score and misrepresents the true status of the debt. Additionally, under Regulation F, debt collectors are prohibited from engaging in deceptive or unfair practices, including continuously updating charged-off accounts to manipulate credit scoring models. 

I have enclosed screenshots of my credit report as evidence that these violations are occurring. I demand an immediate investigation and deletion of these accounts from my credit file to remain in compliance with federal law. 

Failure to take corrective action will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful non-compliance with the FCRA and Regulation F. 

Please provide me with a written confirmation of this deletion within 15 days of receiving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an Consumer thats protect by the laws of the FDCPA I would like the attached items on my Consumer report to be deleted. See attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave your agency PERMISSIBLE PUROPSE to furnish anything on my Consumer report. Per 15 usc section 1681 ( B ). And this also VIOLATES my right to PRIVACY according to 15 usc section 1681. And I would also like the following accounts removed due to the above mention VIOLATIONS as well ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reporting inaccurately, and I have a right to a FAIR and ACCURATE Consumer Report per FDCPA and the FCRA. And its also a VIOLATION of 15 usc section 6802 ( A ).
Product: Mortgage

We are requesting your assistance with PNC Bank located at XXXX XXXX XXXX  XXXX, OH XXXX. PNC Bank has violated the terms of our mortgage agreements, and we believe, are also in violation of the Truth in Lending Act of 1968. 

We are requesting your help in resolving the issue outlined below as soon as possible, and reprimanding PNC Bank for their callous handling of this matter. Our hope is they will not continue to treat other less resilient consumers this way. 

We are a retired couple with excellent credit who decided to refinance our primary resident in XXXX of XXXX to take advantage of the low interest rates available. We did not agree to an escrow account. And, we had not had one for decades because of our excellent credit and prompt payment of all our bills. It was also part of our selection criteria for the mortgage company we chose for this refinance. 

However, our mortgage was sold to PNC Bank, who apparently believe they are excused from following legal documents. And, feel they can use heavy handed methods and discourtesy to consumers to ignore their obligations. 

Here is an outline of events with reference to supporting documents : 1. On XX/XX/XXXX we refinanced our primary residence with XXXX XXXX XXXX, XXXX ( See Attachment 1 : HUD1 Closing Disclosure ). Included in the closing documents is an Escrow Waiver with XXXX XXXX XXXX, XXXX as a condition of our refinanced mortgage with them ( See Attachment 2 : Escrow Waiver ). 
2. PNC Bank purchased the subject mortgage from XXXX XXXX XXXX, XXXX and unilaterally added escrow payments to our mortgage bill in violation of the terms and conditions of our mortgage agreements. Our PNC Bank Account Number is available on request. 
3. My wife XXXX XXXX has made several contacts with PNC Bank to have the monthly escrow charge removed but without any success. She explained the apparent error to PNC Bank, and complied diligently to their requests for supporting documents to resolve the issue. On XX/XX/XXXX she submitted the documents requested by PNC Bank ( See Attachment : 3 Escrow Removal Request and Attachment 4 Escrow Letter ). 
4. We received a letter from PNC Bank Escrow Analysis Department dated XX/XX/XXXX ( See Attachment 5 PNC Bank Letter ) stating they would not : approve your request due to the following reasons. However, the reasons are not stated in the letter. 

We are demanding PNC Bank to stop this fraudulent behavior, stop collecting escrow payments from us immediately, and refund to us any escrow balance. We are further asking PNC Bank to comply with the terms of the mortgage agreements and stop making unilateral decisions to the detriment of the general public. 

We are available to provide any further documentation you may need and to answer any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This includes accounts XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is scamming me. If I pay my whole balance due they give me XXXXpoints. But if I go over the limit XXXX XXXX they take XXXX points. This is fraud & a scam I'll never get ahead if they continue to practice this.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the initiation of me surrendering my property back to the mortgage provider, I sent paperwork, legal documents and other pertinent information due to the home being sold illegally by a builder who was not licensed to build a home. Inevitably, the home 's foundation failed. The home sold at auction in XXXX. The mortgage account was closed with the correct payment statuses listed in my report. There is no foreclosure listed, and that is correct. In XX/XX/XXXX, I received a 1099C with and identifiable code of G which is identified as decision or policy to discontinue collection. Not identifiable code D, which is foreclosure. Which is correct. I have repeatedly requested the loan company update my credit report to reflect this and remove any remarks listed. Nothing has been done although my Experian report has been updated as of XX/XX/XXXX to reflect a foreclosure code. My XXXX  report is correct. My XXXX  report still states foreclosure. 

The mortgage company has failed to remove this information from my credit bureau reports after multiple attempts. Either I need an updated tax form or they need to remove all remarks and statues stating foreclosure from my credit bureau accounts.
Product: Checking or savings account

I opened a new account at BBVA compass a month ago ( or less than that ), and I decided it wasn't for me, and decided to just use a local credit union. I asked a rep on social media to close the account that was open for less than a month and he informed me that it would be {$50.00} ( XXXX for checking and XXXX for savings ). I do not want to wait six months. In addition, I want my account to be closed because there are so many negative reviews for BBVA and I'd just like to stick with my local credit union. I feel like this fee is unfair and unjustified.
Product: Debt collection

I have visited the XXXX XXXX office twice, written and certified several letters to the company XXXX XXXX XXXX at their XXXX XXXXXXXX address which the XXXX  failed to deliver on three attempts. I have spoken with their customer service representatives, XXXX XXXX XXXX XXXX, XXXX ( no longer works there ), and their regional manager, XXXX, XXXX XXXX, who never returned a follow-up call as promised. The following is one copy of my letter to XXXX XXXX, questioning their catch the tail and Bait & Switch practice I writing to express my concern regarding the enclosed invoice. I have visited your XXXX XXXX office twice in an attempt to address this issue, and was advised to contact my insurance provider to determine why they refused to honor the discount listed on their claim. Upon contacting my insurance company, I was informed that the specific discount is not offered by the insurance. 

In an effort to resolve this billing discrepancy, a representative from XXXX contacted your central office. Unfortunately, the matter was not resolved, and the call was redirected to the local XXXX XXXX office, where we were put on hold for 30 minutes before being disconnected without establishing contact with your billing office.

I have attached two invoices for {$190.00} and {$700.00}, respectively. The first invoice of {$190.00} is for a new patient service advertised as free at your local office. However, you continue to bill me for this service, inspite of your office representative written note on the statement hat it it to write off. 

Furthermore, your most recent invoice has increased to {$700.00}, citing the insurance company 's denial of the discount claim you submitted. During my consultation for a teeth whitening service, I specifically inquired about being a in-network provider and insurance approval. XXXX confirms that pre-approval was not submitted by your office. Additionally, I was informed by your office, that the insurance provides a {$250.00} discount per arch, as indicated on your consultation form I was provided. It is attached for your review. XXXX Representative, XXXX contacted your XXXX XXXX office to verify where you obtained this discounted information, however, they did not respond to the phone call. 

The patient responsibility amount provided on the form is {$340.00}, which was paid in full to your office prior to the service. Your consultation form correctly states {$0.00} coverage for " insurance benefits, so why submit a claim to them? Additionally, the main question is regarding the {$500.00} insurance discount your office applied. This leads me to question if there is a " bait and switch '' practice being conducted by your company.
Product: Debt collection

I became aware of this debt when attempting to apply for an apartment and was denied due to this debt because it shows bad rental history. I have disputed with XXXX numerous times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I sent an affidavit to the company ; National Credit Systems and have not heard back to them in regards to the account being removed from my credit. It is joint debt and I do not know the other 2 people on the account ; we do share the same last name. The creditor would not send me the apartment application or ID submitted so that I could let them know it is not my signature or ID provided. This collection is hindering my ability to get housing. I did not reside in these apartments. I do not even live in the state these apartments are located. I did go to school in XXXX XXXX from XXXX but I reside in student apartments called XXXX XXXX XXXX. Then I moved back home with my parents after XXXX in XXXX, XXXX  after accepting a job as a XXXX XXXX with XXXX XXXXXXXX XXXX XXXX XXXX XXXX I worked 3 years XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : DEPTEDXXXX US DEPT EDXXXX XXXX DEPTEDXXXX**** XXXX XXXX XXXX