23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The only date I have is from Source Receivable MNG, XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX, XXXX. Dated XXXX. I have lived at my present location for almost two years. They are saying I owe XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX : XXXX {$150.00}. 
I have no knowledge of this debt. I have nothing in writing. When I asked the collection agency for proof, they said I had to write them a letter requesting information. I find this hard to believe as if they had proof they would send it.
Product: Debt collection

I was with Covered XXXX XXXX, under XXXX XXXX. 
Date of Services was on XX/XX/2017 and XX/XX/2017 and all the billing for year 2017 was covered under this plan. 
CMRE Financial and XXXX XXXX XXXX continues to send collection notices and has posted this debt on my credit report. 
This is bill is not due and should be removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with 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 my 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 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 XXXX days before the payment due date.

ACHIEVE PERSONAL LOANS Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Credit reporting or other personal consumer reports

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPANY TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Product: Credit reporting or other personal consumer reports

I sent a picture of my drivers license to my brother XXXX, he was in the process of trying to get a vehicle. The sales representative that we spoke with explained to us that since I wasnt co-signing on a vehicle that they didnt need to run my credit, I was confused with that information because if that was the case then why did they need me to probide anything on his behalf. I beleived the representative and provided my license and the very next day I began to receive notifications from credit karma that I had 6 new inquiries on my report in which I never consented to regardless of who it was from.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and the following accounts are not authorized by me nor did i give permission to furnish them. these accounts and inquiries need to be removed immediately. XXXX  XXXX account number XXXX, XXXX  XXXX XXXX  account number XXXX, XXXX & XXXX account number XXXX. the FTC say the regulation is 4days upon receipt to remove accounts and inquiries due to identity theft. I included the FTC affidavit that needs to be followed upon receipt and states it must be followed in four days. I also included ceased and desist that all parties need to adhere too in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion on there response number # XXXX response of to many inquiries is none but 1 in XXXX. transunion also say inquiries as when I had opt out in XXXX & XXXX had to file complaints several times to why I had inquiries as well as wrong information on my credit file that was place on my credit file but not justified by transunion as they was deleted. Also my score went down 42 points after 4 creditors requested that the tray line be removed due to court order and errors in which Transunion took my credit score down with no justification with ETC is no answer on transunion part due to there is no reason for my score going down after the removals. also Transunion did not check the accurate of the creditors after I file disputes on the creditors and even with Documents uploaded to Transunion they did not reply or accept court papers that they did not apply in a timey manner. Also Transunion has issues on a timey matter back from creditors that are or should not be on my credit on opt out in which for months that went on by Transunion.
Product: Student loan

Account name DEPT OF ED/XXXX Date Opened XX/XX/year> Balance XXXX Monthly Payment {$0.00} Original balance {$1700.00} I contacted the server and I was told I shouldn't have any negative feedback on my report due to me being under a program that doesn't require me to pay the loan. 
I disputed this on my credit report, it still shows up as negative affecting my score. I would like this collection removed my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the CFPB to address the improper and unlawful reinsertion of an XXXX account ( Account Number : XXXX ) on my credit report. This account did not appear on my previous credit report, yet on XX/XX/year>, I was outraged to find that it had been reinserted without any written notice, as required by the Fair Credit Reporting Act ( FCRA ). This demonstrates a failure by Experian to meet the FCRAs requirement for maximum possible accuracy under 15 USC 1681e ( b ).

The reinsertion violates 15 USC 1681i ( a ) ( 5 ) ( B ), which mandates that I be notified within five business days, and 15 USC 1681i ( a ) ( 5 ) ( C ), which requires new, verifiable evidence to support any reinsertion. Since this account did not appear on my previous credit report, I question the validity of any evidence used to justify its reinsertion. 

Experians actions reflect negligence and disregard for consumer rights under the FCRA. As outlined by 15 USC 1681o ( negligent noncompliance ) and 15 USC 1681n ( willful noncompliance ), they may face liability for damages, fines of up to {$1000.00} per violation, and additional penalties.

I demand the immediate deletion of this account. Additionally, I require any documentation or evidence used to justify its reinsertion and written confirmation of its removal, along with an updated copy of my credit report. I expect prompt action, and I trust that the CFPB will ensure this matter is fully investigated and resolved.
Product: Credit reporting or other personal consumer reports

Im filing this complaint because TransUnion refuses to delete the fraudulent accounts on my credit report despite my repeated disputes. Ive had enough of this back-and-forth. The accounts in questionOportun ( Account Number : XXXXXXXX XXXX XXXX XXXXXXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) are NOT mine. Ive told TransUnion over and over, and theyre still reporting them as if XXXX responsible for them. Whats worse is that XXXX doesnt even have these accounts on my report, so why is TransUnion still making this my problem? Theyre clearly violating 15 USC 1681b by reporting information without proper permission, and theyre failing their duty under 15 USC 1681e ( b ) to ensure my credit report is accurate. This isnt just a small oversight anymoreits willful under 15 USC 1681n and negligent under 15 USC 1681o.

Because of TransUnions negligence, Im facing real damage. Ive been denied loans, stuck with higher interest rates, and rejected for credit opportunities, and its all because TransUnion refuses to delete these fraudulent accounts. Im done being patient. Im
demanding immediate actiondelete these accounts, fix my credit report, and provide proof of their deletion. I dont want any more weve investigated excuses, incomplete investigations, or delays. Im asking the CFPB to step in and help resolve this because TransUnions negligence is causing serious harm, and theyre not taking responsibility.
Product: Credit reporting or other personal consumer reports

( NAME ), ( SSN ), ( DOB ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : ( ACCOUNT and ACCT number ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I applied for a Capital One Quicksilver XXXX  card on XX/XX/2021. The promotional offer said I would receive {$200.00} cash back if I spend {$500.00} within the first three months. Once I activated the card and spent {$500.00} by XX/XX/2021 ( within the 3 months ), Capital One only gave {$150.00} cash back. I called to ask about it on XXXX XXXX, XXXX, around XXXX. The first person I spoke to at Capital One looked online, saw the {$200.00} promotion and transferred me because she could not answer my question. After being transferred I spoke XXXX from Arizona with Capital One. She was disinterested in helping me. She told me You cant believe everything online I told her that I had seen the promotion on Capital Ones website proper. She said she couldnt help. I asked her so I received misinformation from your own website to which she replied I guess. I followed up with So I just want to confirm that what I found on your website was misleading and misinformation. Her response was yea The promotional offer of {$200.00} when you spend {$500.00} is still active and can be found on Capital Ones website as of XXXX XX/XX/2021 : XXXX XXXX XXXXXXXX
Product: Mortgage

I spoke with XXXX XXXX, from Wells Fargo who was very helpful and suggested I called the estate department. My parents are dead, I inherited the home via a transfer on death dead, and I live in the home and pay the mortgage. Until yesterday Wells Fargo would not give me any information about the loan. I understand the need for consumer privacy but the failure to respond to a legitimate mortgage servicing issue is unreal. 
At the assumption department the customer service department told me that I would have to credit qualify for the loan. I explained to them that I thought that was not accurate since I inherited the home. I spoke with a Supervisor, XXXX XXXX, who explained that she had worked in the department for 14 years and because of the CFPB rules and the Dodd Frank Act I needed to credit qualify. I explained that I had sent in death certificates and the deed and that I should be able to assume the loan under operation of law. I asked her to give me the specific rule that said I needed to credit qualify. I explained that I do n't want to pay on a mortgage for 25 years without being able to take the tax deduction. I think she is incorrect under the Garn St. Germain Act and she refused to mail me an assumption package, she explained that Wells Fargo does n't do that any more. I have been trying to get an assumption package and information about the loan since my fathers death. I think its wrong for Well Fargo to give false and misleading information to their customers and then blame the CFPB for the rule making. This loan originated before the CFPB rules. This is unfair and deceptive and likely happening to hundreds of consumers.
Product: Debt collection

XX/XX/2021 in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sepreme Court # XXXX sent letter saying I owe a debt and his law firm was the collecting agency for One Main financial LLC. Both entities and company are in violation of Consumer Rights and 15 USC 1692
Product: Vehicle loan or lease

My car was stolen in approximately XXXX of 2022 My car was recovered, however XXXX XXXX has denied the claim for no apparent reason. 
I picked up my car and had it sent to the dealership and now the dealership is refusing to cover the cost of the damaged transmission and sent me an invoice for {$15000.00} when the car alone cost nearly that much. 
I cant afford {$15000.00} for a car repair due to no fault of my own when the car was STOLEN from me.
Product: Credit reporting or other personal consumer reports

Recently I have looked at a copy of my credit report and noticed a collection inaccuracy on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. I have contacted this agency multiple times in request for validation of debt and orignial contracts/agreements. per se my rights 12 CFR Part 1006.

Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX ( Experian )
Product: Credit reporting or other personal consumer reports

Me and Westlake financial had a verbal agreement that if I paid them XXXX dollars more on the car loan they would end the loan and I wouldn't have to pay them anymore the loan would be done. We made this agreement in XX/XX/year>2023 and the agreement was that I make monthly payments in the amount of XXXX to XXXX  monthly until I reach the agreement amount. We came to this agreement because the vehicle had a lot of issues and I paid out of pocket to have them fixed. I am filing this complaint because after I paid them what they asked they went back on they word and instead charged the car off which left a negative mark on my credit pertaining to my car loan. Which this is not the agreement we made. I have proof of all the payments.
Product: Debt collection

I do not have any knowledge of the debt and I am experiencing difficulties with fraudulent charges and accounts with several companies and I have attempted to work with most of the companies but the representatives that I have been in contact with by voice calls and customer service chats are not being honest and they give me the runaround. Due to this fact and the fact that I have absolutely no idea of why this is being charged to me, I have just decided to report it instead of going through another time consuming, futile attempt to correct the information. This has been consistently happening throughout the past and even more so during epidemic and after the ransomware attacks.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX concerning their handling of a written-off debt and their failure to provide the proper tax documentation for the amount in question. 

XXXX XXXX has recently reported a written-off debt, which I understand may be eligible for a tax break. However, despite the account being marked as " charged off '' and/or " settled, '' I have not been provided with a XXXX form, as required by the IRS. This documentation is essential for my tax filings and to ensure that the reporting is accurate. 

In addition, I am concerned that XXXXXXXX XXXX XXXX reporting may be inaccurate or incomplete on my credit report. If the proper tax documentation ( XXXX ) and verification can not be provided to me within a reasonable time frame, I expect the written-off debt to be deleted immediately from my credit report. 

I request that XXXX XXXX provide the following as soon as possible : A XXXX form for the discharged debt, detailing the amount written off.

Verification of the account 's status, including documentation of the charge-off and any subsequent actions. 
A thorough review and correction of any errors related to this account on my credit report. 
If XXXX XXXX is unable to provide these documents or correct any discrepancies, I will be forced to pursue legal action, including claiming statutory damages for inaccurate reporting and failure to provide required tax documentation. I ask that this matter be resolved promptly to avoid further escalation. 

Please investigate this matter and provide me with an update as soon as possible. I trust that the CFPB will assist in ensuring that my rights are protected in this case. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I moved from south fork apartments in XXXX. I had given them a written notice and returned keys etc. I had also given them my new address. 

In XXXX I was notified that I was sued and my wages were going to be garnished. I had sent the collection agency a dispute letter and that responded that they did not have to respond. They were going to garnish over half of my paychecks and even tried putting a lean on a property that was not mine. I tried to go to south fork apartments to see how they could verify of my written notice and my Keys I turned in. They did not document and have no cameras so I was unable to prove my innocents. I had not renewed my lease and my lease was also over. XXXX XXXX committed fraud As a single mom I had to take out a loan because I could not afford to raise my child and have monthly payments with the collections agency garnishing over half my paycheck. I had no knowledge of next steps to take and could not afford an attorney. Both the collection agency and the rental apartments need to be brought into question of their intent and trustworthiness Also : In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credi Reporting act, the list of accourts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

The accounts below have violated my nights.

15 U.S.C 1631 section 602A. States I have tie righe to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions.

15 U.S.C 1681c. ( * ) ( S ) Section States : no consumer reporting agency may make aty consumer report containing any ef the fellowing tens 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 ) ( a ) 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 XXXX that the information is inaccurate. 
Delete the accounts below. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following accounts on my credit report. 


EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and unauthorized inquiries on my credit report. As a victim of a data breach, I believe these accounts and inquiries were added without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Accounts to Be Blocked and Deleted XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$560.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$0.00} Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. 

I should be in process of getting a home sometime this year of 2024 and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my mental health. I will be attaching a FTC report with the number XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB )
Product: Student loan

Mohela auto debited a payment on XX/XX/year> for {$530.00}. In XXXX I called and requested a reimbursement, they said yes and it would take up to XXXX days. 

When I called in XXXX and requested a full account activity summary to be mailed to me ( they do not have this accessible online, the print version they offer does not have my name or account number ), they told me that my request for reimbursement wasnt done incorrectly so they were going to try again. I still havent received reimbursement. I still havent received the account summary that I need. They did however send me a completed Appendix M but did it incorrectly as well and claimed I made {$17000.00} in payments when I only make {$13000.00} in payments.