23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX from Malacko Law Office called and wouldn't identify himself, he asked if who he was speaking with was XXXX, and when I asked what it was about, he was very rude, and aggressive, and said, I can look for his letter XXXX. When I asked again what this was in regards to, he aggressively said, " I'm not here to play games XXXX, look for my letter ''
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION A SECTION 2 I ALSO STATE A CONSUMER REPORTIING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an inaccurate closed Auto Loan account on my credit report in XX/XX/XXXX from XXXX XXXX XXXX. Ive disputed this account several times with the credit bureaus which always resulted as the account being verified and it continues to still report derogatory marks on credit report. I then disputed the account directly with the company under the 15 U.S. Code 1692g - Validation of debts stature and this company has never responded to me. My first attempt to reach out to this company directly was on XX/XX/XXXX. I submitted my request on that day via certified mail and confirmed that this company received my request on XX/XX/XXXX ( Certified Mail Receipts Attached ). I then submitted a second request on XX/XX/XXXX and confirmed that this company received it on XX/XX/XXXX. Ive given this company more then thirty days each request to validate this debt and they have not and completely ignored me.
Product: Credit reporting or other personal consumer reports

After demanding that XXXX XXXXXXXX XXXX be deleted, XXXX and Equifax have failed to remove this collection off my credit report. They are willingly neglecting my rights of privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called and emailed Mohela two times and sent them proof. my credit reports are showing my student loan balance twice. Mohela assured me they would call me back after I sent proof, I have not heard from them and it has not been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

After several attempts to communication with the company. The company has failed to produce documents to validate the information that is being distributed to banking companies upon request. This agency is reporting to companies and should housed this data per law, however in any case when the information can not be validated it should be deleted from the consumer profile.
Product: Credit reporting or other personal consumer reports

Dear Factor Trust , Inc. Support Team, I am reaching out to request an update to the contact details listed in my public records. Specifically, I would like to ensure that my current phone number is correctly added or updated in your database. 

Phone Number to Update : XXXX For your convenience, I have attached the necessary documentation to verify both my identity and my phone number. If there is any additional information or paperwork required to process this update, please let me know. 

I would appreciate it if you could process this request promptly. Please confirm with me once the update has been successfully completed. 

Thank you for your prompt attention to this matter. If you need to contact me for further clarification, I am available by phone at XXXX or via email at XXXX. 

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

On XX/XX/2016, Wells Fargo dealer services put on our credit report that we owe them {$10000.00} and wrote it off the reason for the collection, was because they refused to work with us to catch up on the payments after I was hospitalized. We agreed to have them pick up vehicle, before they picked it up I had my mechanic inspect it from top to bottom to make sure everything was in perfect working order and there was no damage to the vehicle. They then called my insurance company a week later and tried to make a claim. Telling my insurance company that the rear quarter was destroyed on the vehicle, which was not true and the insurance company refuse to pay because they damage the vehicle. At that point in time when they said they were going to write it off I never expected to see it on my credit report because the damage was done by them and they are responsible at that point. I could not sell the vehicle for a reasonable amount of money because of the damage that was there I believe the law should have been on them not on me. When I tried to dispute it the only thing they did was say that it was correct. No explanation on why it was correct, no explanation on why they did not take responsibility for the damage. And the only thing on my credit report that I put on there was that I disagreed, but I actually gave the whole story to be put on my credit report and they never did that. At this point in time it has destroyed my credit for the last 2 years. And I do believe that wellsfargodealerservices should pay me for the destruction of my credit when it was actually their fault.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time yet there was a day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments, repossession, and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
Product: Credit reporting

An account from XXXX in.the amount of XXXX was reinserted on my credit report when it was deleted.
Product: Checking or savings account

So my wife and I are in a tough spot. On XX/XX/16 last month my wife accidentally paid her {$310.00} car payment early. She made two payments at the same time. This created a snow ball effect the rest of the month that amounts to nearly {$300.00} in overdraft fees. 
On Friday XXXX my wife called Bank of America to explain what happened and that we really needed that money so this doesnt just keep spiraling month after month. They told her no. Stating the reason that they are authorized charges.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX  XXXX Balance Owed : {$XXXX0} XXXX XXXX XXXX Balance Owed : {$XXXXXXXX XXXXXXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed XXXX {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX
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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ] NATIONAL CREDIT ADJU has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and Equifax. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX have not provided any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) ; therefore they need to retract this from my credit file immediately.
Product: Mortgage

The flagstar company has been delinquent in paying my property taxes forcing me to make the payments myself even though they are collecting my escrow payments. I have been trying to receive a refund for the taxes Ive paid since XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive my repayment of {$3000.00}. The companys excuse is that they do not have my correct mailing address so the check keeps getting returned and redeposited into my escrow account. Im starting to believe this company is purposely withholding my funds. 

I have also asked to close my escrow account since the property taxes are not being paid however, they claim they are not allowed to by law.
Product: Money transfer, virtual currency, or money service

I sent a transfer to one of my suppliers in XXXX. my bank XXXX  XXXX   sent the funds to hsbc XXXX XXXX. using hsbc usa as the intermediary. hsbc usa has not release the funds not have they answered multiple attempts to locate or recall the transfer. it was sent the XXXX of XXXX and I still do not have any information. My bank and myself have tried multiple times by email and phone to get information on this transfer and we have not gotten a response in over 20 days. After the transfer in question i sent another transfer the day after and it went through correctly. So my transfer information is correct. to recap. we sent one that was held and sent another the following day that went through successfully. they have the exact same information.
Product: Credit reporting or other personal consumer reports

I have recently, reviewed my credit report and noticed that I didn't have a fraud alert. That is important to have enabled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2012 regarding complaint XXXX. XXXX XXXX XXXX provided me with a post sale notice that they sent me. However I asked them for several items that as a consumer they must've provided me at the time and show proof that they sent me which was the PRE-SALE NOTICE. That is the notice for the State of Tennessee showing that they gave me the 10 day letter to come up with the money and that the lender can not sale the car until after the redemption period. Also the ORIGINAL CONTRACT was not sent which I requested as well as full account history showing all my payments that were made at that time. Not providing information to me will be grounds for a lawsuit. I am requesting that this be removed off my credit report if these items can not be provided to me within the timeframe CFPB is allowing for these documents to be produced. I have again attached the request.
Product: Money transfer, virtual currency, or money service

I sent XXXX dollars to my friend as payment, weeks later they didn't recieve the money and it simply disappeared from my account. I used paypal.
Product: Mortgage

I closed on a refinance with XXXX XXXX. The amount on my closing disclosure for my monthly payment is {XXXX}. My first statement with them is {XXXX}. It was sold to Flagstar Bank and my first statement from them is {XXXX}. They claim that is the amount they received on the closing disclosures, which is not what I signed to pay. My escrow balance is all of a sudden less as well. XXXX has my balance as {XXXX} and Flagstar has {XXXX} with no payments out.
Product: Debt collection

These people called several times and when I finally returned the call they called themselves Receivable Performance Management ... when I asked about why they called they asked if I was XXXX XXXX ... they then asked to verify my personal info like address and social security number ... I refused to provide them with it ... they then put me on hold for an extended time ... I owe no one and am up to date on all my legitimate credit accounts and have done no business with anyone in years and years outside the current accounts I have ... I want these people to identify what they want and contact me via mail only ... then leave me XXXX alone ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/XXXX Hunter Warfield , Inc . 

XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Dispute of Incorrect Charges and Request for Immediate Removal of Credit Report Entry Dear XXXX XXXX XXXX am writing to formally dispute the charges of {$14000.00} currently attributed to me and handled by your agency. Upon reviewing my records, I found that this amount is inaccurate and unjustified. Initially, I was informed that the outstanding balance was {$11000.00}, which I also contest as incorrect. My original lease agreement was with XXXX, and I did not renew my lease upon its expiration. I terminated my lease and vacated the property long before Hunter Warfield acquired any involvement. 



XXXX, the company to which my lease was originally assigned, either went bankrupt during the XXXX pandemic or sold the property. During this transition, no new lease agreement was signed, and I had already vacated the premises. I have also reviewed all related court documents, and none indicate that I owe any outstanding balance to XXXX or Hunter Warfield. Therefore, the charges being pursued by your company are entirely unfounded. 



Additionally, this debt had been removed from my credit report, and I was dismayed to find that it recently reappeared on my XXXX report. I respectfully request that this entry be removed immediately as it is an inaccurate reflection of my financial history. I owe no financial compensation to Hunter Warfield, nor did I ever enter into an agreement with your company for any charges. This situation has caused a significant hardship, particularly during and after the XXXX pandemic, impeding my ability to secure housing and recover financially. 



This fraudulent and unfair charge will be escalated to the District of Columbias XXXX XXXX XXXX XXXX XXXX XXXX, as well as the Consumer Financial Protection Bureau. It is imperative that this issue is resolved promptly to avoid further action and to prevent any additional negative impact on my credit history. 



I expect immediate attention to this matter and the prompt removal of this erroneous charge from my credit report. Please confirm in writing that this account has been fully resolved and that the negative entry has been removed from all relevant credit reporting agencies, including XXXX. 



Thank you for your immediate attention to this urgent matter. I look forward to your swift resolution of this dispute. 



Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX {$14000.00}