23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, 2015 XXXX - Have received more than 8 calls on my cell phone from XXXX. I called the number and asked why they were calling. Individual immediately hung up the phone. Called back four times until finally the same individual decided to speak with me. He identified himself as working for an organization called NAM, and gave their website as website nam-llc.us. I asked for his mailing address, and he told me to go to their website to get it. He then told me that he was calling on behalf of a debt from XXXX regarding a delinquent overdraft and mentioned XXXX. I asked him if this was an attempt to collect a debt and he said yes. I told him that I wanted no further phone calls pursuant to the FDCPA and that all communication with me must take place in writing. Found address on website as XXXX XXXX XXXX, XXXX DE XXXX. 

XXXX XXXX, 2015 XXXX - Mailed cease-and desist to NAM LLC at XXXX XXXX XXXX XXXX XXXX DE XXXX, certified, return receipt requested. 

XXXX XXXX, 2015 - Received cease and desist mailed to NAM LLC returned as 'return to sender vacant unable to forward. '' I checked the nam-llc.us website and found that it still publishes the same address that was returned as vacant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ad astract recovery/ speedy cash XXXX, 2017 amount {$1200.00}. I have soken to them the debt was paid and was told it can take 30 days to remove. 2 years later and it still appears on my credit report, i have filed two disputes and have got no response to what should be correcting this and removing it. This is incorrect and not right i have to continue with dealing with this. Specially around this time, with covid19 loss of wages and having my credit this way has given me minimum availability in things i can do. Please look in to this. I would really appreciate it
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, Transunion was informed about this fraudulent inquiry in XXXX and I filed a dispute here in XXXX. After being informed by the XXXX, XXXX XXXX that the inquiry was not confirmed to have been made by me, Transunion is still refusing to remove this inaccurate and unauthorized credit inquiry. This is causing harm to my score to continue to report this fraudulent inquiry and is a violation of the fair and accurate credit reporting act. I am attaching the letter from XXXX XXXX confirming.
Product: Vehicle loan or lease

JP Morgan Chase XXXX has been harassing me and blatantly violating the FDCPA practices for a bill thats not even late. I have never experienced such abuse from a financial institution. why they have not fixed the late fees they said they would or why I receive harassing phone calls from XXXX XXXX daily, 5x calls per day on avg
Product: Mortgage

My 5 year old mortgage is with USAA and is serviced by XXXX. Last year I purchased land across the street but not attached to my land and I paid cash. I have the deed. I am a 100 % XXXX Veteran and have a exemption on my home and land from property taxes. 

USAA has the documents and I have not paid taxes out of my escrow and always receive a refund at the end of year because I do not pay property taxes on my home and land. 

Last year USAA paid my property tax for the land I bought out of my escrow!!! 

I worked on this with them as well as my local tax office for months. They have my home parcel number on my land across the street in their system I have spent weeks complaining to USAA and have been assured it was corrected last year by USAA. 

However after logging on to check because taxes are paid here in XXXX and XXXX and it is still showing as they are about to pay taxes out of my mortgage escrow on land that is not attached to my home or mortgage and I have the deed for that land. 

I am beyond appalled and frustrated. I have reached out to them yet again and spent several hours once again on the phone with USAA and XXXX. 

They have assured me the problem will be fixed but as you can see by the attachment it is still showing as they are ready to pay taxes on land out of my mortgage escrow that is not attached to my mortgage! 

USAA used to be among the best for XXXX but they simply no longer care to fix their troubled systems. 

This should be extremely illegal and I think about older Veterans who have no access to internet and have no idea this is happening to their escrow accounts. 

I have attached a screen shot of my escrow, parcel maps showing my home and my land across the street. 

You can clearly see they are using my home parcel number to pay taxes on my land across the street. 

Once again I am totally exempt from paying property taxes on my home and land but I am required to pay taxes on my land across the street that I paid cash for and have the deed so it should not ever be paid out of my mortgage escrow! 

Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report now has 42 inquires all of which are fraudulent. i have advised XXXX XXXX and transunion All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXX-Never Applied Comenity bank- No Knowledge Capital one - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX/XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The company simply indicated that the alleged debt had been transferred to a collection agency. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX XXXX XXXX and Experian, when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and Experian to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, XXXX, and Experian that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A Verification letter was sent to collector by certified mail on XX/XX/2019, letter was delivered on XX/XX/2019. The Collector has updated the information in my credit report with the remark : " Account Information Disputed by Consumer '', but I did not get any letter from the collector or proof regarding this account. I was requesting the account was verified to apply for a settlement in case I am responsible for it. I am working on improving my financial life with the Department of Consumer Affairs City of New York. The collection agency was contacted by phone today ( XX/XX/2019 ) around XXXX XXXX but his agent ( XXXX XXXX XXXX was not able to provide information regarding this account, he said I need to call back on Monday XXXX XX/XX/2019 ) or call the legal firm who is managing my account XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit card or prepaid card

I made a payment of {$200.00} and payment was withdrawn from my bank account that very same day. Payment never reflected on my account available balance. The weekend came and nothing. Called them they said payment would post Monday! Tuesday came and nothing. Called them again said payment would be in hold until it clears Wednesday! Even though the payment had retrieved from my bank account! I made a second small payment of just {$10.00} dollars to see if it would happen again small thing payment withdrawn from my account yet not reflected on my balance!!! Called again Thursday they said payment would be reflected on my account FRIDAY!!! Called again and now was told payment would be on hold till Sunday!!! More than a week!!!!! I would have never in a million years paid the last of my money during this pandemic if I knew this was going to be the case. Still a week later no money no available credit and starving! I am literally crying while typing this message I'm hungry and still no money with no end in sight. Never get a credit card with CAPITAL ONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letter to the three bureaus XXXX, experian, and XXXX on XX/XX/2022 and XX/XX/2022 and havent got a response yet. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX To whom it may concern, I have recently pulled my credit report and notice that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft fraud laws under XXXX XXXX XXXX Penal Law 190.80 . 

It has unequivocally come to my attention that CAP ONE AUTO has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX XXXX XXXX, specifically under Penal Law 190.80 ( Identity Theft in the First Degree ), underscores the seriousness of unauthorized access and misuse of personal information, including unauthorized credit reporting. Such actions not only violate my rights under federal law but also infringe upon XXXX XXXX stringent identity theft protections. 

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CAP ONE AUTO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX XXXX Penal Law 190.80. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX XXXX law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

Went to XXXX XXXX XXXX In XXXX of XXXX and sat with doctor XXXX his XXXX  and his his billing cashier.I asked the doctor if he would be able to help me catch up on dental work that would be covered by my primary and secondary insurance. 
he said absolutly thats what they do all day.I asked him if he could work with my two insurances and I could pay my out of pocket as we did each procedure.He said yes, I asked him if he would be able to let me know when we had used up and exausted my bennifits so we could stop and start agian in the next calender year when benefites were replenished.He said yes no problem so we made our first appointment and began the process.The rest of that year went according to plan with no issuesnd year i paid my out of pocket as we went along.Then we started the 2nd year XXXX went along the same way payed my out of pocket as i went along no problems.Then it was time for a cleaning had appointment for XX/XX/XXXX at XXXX i got the usual 3 text reminders that day even one on my way there, when i arrived office was closed nobody there no sign or anything on the door explaining why they were closed.after calling for several weeks finally some one answered and a new appointment was made for XXXX and when i showed up for appointment the hygenist and i were the only one in the office he told me my out of pocket for the cleaning was {$350.00} i said ther must me some mistake they told me when i made the appointment thay told me the cleaning was all covered by the insurances so he said your right leta just do it they will fix billing tomorrow. In XXXX I recieved a statement from XXXX XXXX XXXX stating i owed them XXXX XXXXXXXXI have been to the office three times after that and all three times they apologized and told me I paid all my out of pocket charges and they are just waiting for the insurances to pay their part and most of the time it takes the insurance months to pay on benifits, they said i should have never recieved a statement because I am all paid up.The next month i recieved the same statement.This went on for some time i made several attempts to speak XXXX XXXX XXXX and was un successful.I told the new office manager this will never be resolved until the doctor calls and speaks with me.To this day i have recieved no calls no texts no emails or regular mail! Please give me some guidance as they have now sent the bill to a collection agency.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit! Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate removal, deletion and blocking of these item within the next 4 business days, according to Section 605b of Fair Credit Reporting Act. As it is incorrect and does not reflect my true credit history. I was impacted by Data breach. I requested that all account be removed and blocked. I've submitted required supporting documents to credit agency for removal and blocking of accounts on my credit profile. 
Accounts are : XXXX XXXX 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, credit repair services, or other personal consumer reports

This company is reporting an unverified account on my credit report.I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Vehicle loan or lease

Complaint against ... 

HUNTINGTON BANK Vehicle Loans XXXX XXXX XXXX XXXX, Ohio XXXX XXXX On XX/XX/2019 I made a online bill payment to the above referenced bank for my car loan in the amount of {$11000.00} to pay down my car loan of {$16000.00}. 

Huntington cashed the check on XX/XX/2019 and it was deducted from my bank account with XXXX XXXX XXXX ( my home bank ). 

As of this writing Huntington has not credited my account and continues to accumulate interest. I called 2x in 2 weeks and spoke to cust service. Nothing has been done and I have another regular payment of {$330.00} due on the XXXX, which I should not have to make because my large payment of XXXX should cover about 33 payments into the future. 

They will not acknowledge they have my {$11000.00}. 

I want to rattle their cage. Please help. 

XXXX
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Request for Immediate Deletion of Charge-Off Account and Monetary Relief Due to Equifaxs Negligence To Whom It May Concern, I am writing to formally demand the immediate deletion of a fraudulent charge-off account that Equifax has repeatedly failed to properly investigate, despite my numerous submissions of supporting documentation. Additionally, I am seeking monetary relief for the harm caused by Equifaxs failure to uphold its legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Equifax has knowingly and purposefully neglected its duty to conduct a thorough and fair investigation regarding the fraudulent charge-off on my credit report. I have submitted all required documents multiple times, yet Equifax has failed to take the appropriate corrective action. As a result, my financial well-being has been severely impacted, including damage to my credit score, emotional distress, and financial losses. 

With the recent lawsuit filed against Equifax by the Consumer Financial Protection Bureau ( CFPB ) for similar misconduct, it is clear that Equifax has a pattern of failing to uphold consumer rights. Given this, I am demanding the following corrective actions : 1. Immediate Deletion of the Fraudulent Charge-Off : This account is inaccurate and must be removed from my credit report without further delay.

2. Monetary Relief : Due to Equifaxs negligence and failure to properly investigate my dispute, I am requesting financial compensation for the damages incurred, including but not limited to emotional distress, financial losses, and damage to my creditworthiness. 

If Equifax fails to take immediate corrective action, I am prepared to escalate this matter by filing a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and seeking legal action for damages. I expect a written response confirming the deletion of the charge-off and outlining the compensation Equifax will provide. 

Please consider this my final attempt to resolve this matter amicably. I expect a response within 15 days of receiving this letter. 
Attached below are documents equifax requested from me that I sent multiple times that they claimed they never received. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX