23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like for CONSUMER ADJ to show proof of verification that I owe them {$140.00}, ACCOUNT XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed ABOVE. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violate the consumer financial process act. Specifically, cash app fell to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, third dispute resolution process was unfair, and deceptive, as they did not comply with arrow resolution requirements under the electronic fund, transfer act and regulation, E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. XXXXtates I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

I was getting calls on my cell phone for money that I did not owe. I personally am debt free. They used different Florida phone numbers until I decided to change my phone number and the calls continued on my new number.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Product: Mortgage

Chase Mortgage obtained lender paid coverage on my property even though I had coverage. They did not notify me and I never authorized this.
Product: Debt collection

i sent out a letter of a alleged debt from Ad Astra Recovery Service on XX/XX/2020 for the amount of XXXX that i do not owe. I haven't receive any of the documents that i asked for concerning this item and i attached a copy below of what i am requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my DOB is XX/XX/XXXX my SS # XXXX I have been a victim of ID Theft I am trying to get things back to normal however I have a ton of inaccurate addresses on my credit report still. 
My only name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

I keep getting calls from MCM ( Midland Credit Management ) and sometimes calling themselves XXXX. I believe these are related companies. 

I only returned to the XXXX in XXXX 2015 after living XXXX for over 20 years, and have no outstanding debt overseas ; in the XXXX, I have XXXX long term loan ( a car partially financed through XXXX ) and a couple of credit cards ( all of which are known and show up on my credit reports ). I have no other debt - no mortgage since we bought our house for cash, no student loans, or any other type of loan at all. 

MCM refuses to give me the last for digits of the SSN of the person they are calling. Further, they have said that they will take my number off the call list, but this clearly DOES NOT happen. 

I have told them - each time - that they are calling the wrong person, that I have no outstanding debt, and that they do not show up on my XXXX or XXXX Credit Reports. 

They continue to call, looking for a person with my name - and I admit it is a fairly common XXXX - but it is not me. My XXXX reports appear to be accurate ( there are no outstanding debt or unresolved credit issues ) but their continued calls are hugely annoying and verge on harassment. 

Finally, I tried to call the number on their website to speak to a CS representative, but they would not pick up. 

MCM/XXXX need to cease and desist this harassment immediately, but they do not appear interested in getting the facts straight.
Product: Checking or savings account

I had unauthorized transactions that I disputed with my bank and the bank denied the claims. The transactions were all from the same merchant that I have never heard of. The bank asked for proof but I dont know how to even find that company.
Product: Credit reporting or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX XXXX on Friday, XX/XX/2019, I received a call from my lender, XXXX XXXX , XXXX at ( XXXX ) XXXX. They wanted to discuss possible ways to reduce my mortgage payments and save me some money. I told them I might be interested. They asked for information on where I work and how much I make. They ask how I've been paying my credit card payments. They said they would get back to me, and they never called back with any further information. 

They NEVER asked me to do a credit pull, never told me about such a thing, never asked me about refinancing or whatever options they have to save me money. They said they would call me back. 

Next thing I know, I get an experian notification saying there was a change to my credit file. I logged in, and there was a hard credit inquiry by XXXX XXXX. I NEVER gave them permission to do a hard credit inquiry, and they NEVER asked me for permission. I feel this is fraud or theft, as I know the results of a hard inquiry.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) COLLECTIONS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LATE PAYMENTS. 15 U.S.C 1681 section 604 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 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts
Product: Checking or savings account

XXXX sent me a refund to my credit karma account on XX/XX/XXXX and I still to this day have yet to receive this refund!!! XXXX highly irritated from waiting 2 months and calling both credit karma and XXXX numerous times since XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX
Product: Debt collection

Westlake Financial and Wilshire makes repeated called through out the day about my auto loan. They do not document in their systems about payment arrangements previously made and continue to call asking about payment. I have told my case to the multiple times and every time, they say they are documenting the arrangements, without fail, they call me about payments like there wasn't anything documented in the previous calls. I've started to ignore these calls while I am at work and at home because they always say " No, we dont have any thing on file about this arrangement you have made with another representative ''. 
XX/XX/2024 : Westlake- 3, Wilshare - 1 XX/XX/2024 : Westlake - 2 , Wilshire - 3 XX/XX/2024 Westlake - 1 , Wilshire - 1 XX/XX/2024 : Westlake : 2, Wilshire - 3
Product: Credit reporting, credit repair services, or other personal consumer reports

The company fraud department was contacted regarding the online purchases. However, there has been no response from them about any actions being taken to correct the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I disagree w/ the reporting of account listed below which persists on my credit report despite your previous investigation. I request an immedicate reinvestigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( public Law 91-506 ) Title VI Section 611 Subsection 1-D please proivde me with the names and business addresses of each individual whom you verified and validated the above information with so that i may follow up accordingly. Additionally please send me a updated copy of my credit report after completing your investigation. 

Account name:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

have attached a letter of deletion from XXXX XXXX XXXX which I have previously sent to Equifax and yet the collection entry still exist on my credit report with them. Please remove the collection entry
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I mailed an Identity Thief Report stating I have been a victim of Identity Thief. They reply back as if I was filing a dispute and did not fellow the rules that apply when reporting Identiy Thief. And did basically nothing about it.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name XXXX XXXXXXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to request to remove the following address from my report please. Thank you. 

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

I recently disputed my XXXX XXXX balance with Experian on XXXX/XXXX/2017, and I received an email with the results but I also noticed that they added to inquiries from XXXX XXXX to my credit report which I have I did not authorize.. I have contacted XXXX XXXX and they did not put the inquiries on my report in XX/XX/XXXX and XX/XX/XXXX. I know things can be reinserted but I never asked my credit to pulled for this dispute.
Product: Checking or savings account

Twice I have tried to affect funds deposited only to have funds held and my account restricted for further use
Product: Mortgage

My name is XXXX XXXX I have been with SWBC for over 5 years. I have always used SWBC budget drafting and never had an issue until now. In XX/XX/XXXX, I refinanced my property at XXXX XXXX XXXX XXXX XXXX, GA XXXX and set up bi-weekly payments ( via automatic payments ) with SWBC in XX/XX/XXXX. 

Recently, I received a notice that I have a past due amount of {$2200.00} ( which is for the total month of XXXX. ) After speaking with XXXX customer service agents, they can not explain why the budget drafting did not occur. However, everyone sees my payment in XX/XX/XXXX of {$2200.00} which was required to establish the auto-draft to meet the XXXX month payment ahead requirement. 

Since SWBC did not set-up my budget drafting, I now owe {$6700.00} ( this includes XXXX and XXXX payment plus another {$2200.00} to reset auto drafting. ) Because the organization made an error with setting-up the auto-draft, I should not have to pay another {$2200.00} ( to be one month ahead ). I understand I need to pay XXXX and XXXX payments. I asked to make a payment arrangement via auto -draft so that I can pay for XXXX and XXXX. Additionally, I need my auto-draft to start this Friday ( XX/XX/XXXX ). 

I informed the company that I was sending an official complaint to the consumer financial protection bureau. 

I appreciate your attention to the matter and look forward to hearing from you. 

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

Hippa laws were directly violated no permission given nothing signed for any medical information to be shared about me publicly companies have violated law and respond with working on my dispute instead of removing the accounts just to me with cfpb requirements to respond in a certain time frame!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX   Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXX {$820.00} - Dear Equifax, I am writing to formally request the removal of an inaccurate remark from my credit report associated with XXXX XXXX XXXX. Upon reviewing my report, I noticed the following account contains incorrect information : Creditor Name : XXXX XXXX XXXX I recently spoke with a representative from XXXX XXXX XXXX regarding this matter. They acknowledged that the information reported to you is incorrect and have agreed to have the remark removed from my credit report. I am including documentation of our correspondence and their agreement as evidence to support my request.

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly ask you to investigate this issue and promptly remove the inaccurate remark from my credit report. This correction is important to ensure the accuracy of my credit file.

If additional information is needed to process this request, please do not hesitate to contact me by email Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of this remark from my credit report.