23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' XXXX - XXXX XXXX - XXXX {$140.00} XXXX XXXX XXXXXXXX {$230.00} XXXX - XXXX {$1900.00} XXXX - XXXX {$1900.00} XXXX  - XXXX an {$120.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I hold a balance of {$110.00}, as of XX/XX/2016 I have a XXXX ( {$0.00} ) balance with this company. I have reached out to them several times to have this item corrected and removed from my credit report. They have not done any such thing.
Product: Debt collection

Dear Sir / Madam I am coming through this complaint to express my indignation at the multiple harassments suffered by different parties, namely XXXX, XXXX XXXX XXXX, and most recently by TrueAccord. 

Last year towards the end with the help of a friend for the first I had access to my credit report. I noticed that there was an item that I did not know ( XXXX ). My friend helped me to contact XXXX in writing and a few weeks later, XXXX  contact me saying they were unable to locate an account with the information that was provided. A few weeks later I started to receive unknown calls. So one day while I was working a lady called me to ask me for my social security to confirm my identity, I refused because it seemed strange to give my personal information to a stranger over the phone. The next day it was another guy and he is the one who will inform me that it was a debt collector agency and that he was acting on behalf of XXXX. I asked him kindly to actually check if I am the person he owes them the debt of {$1400.00}. He said he is looking for XXXX XXXX, I told him that I am not XXXX XXXX. I avoided giving him my personal information because obviously he was not sure of the information in his possession. It seemed like a scam, I told him to stop calling me until he was able to contact me with written evidence that the debt was mine. They persisted and the calls continued. Still with the help of my friend, I wanted to check my credit report and unfortunately XXXX XXXX XXXX appeared clearly in the collections section reporting inaccurate information and they seriously damaged my credit score. 
I contacted the credit bureau again for investigations and on XX/XX/XXXX, a month later, I received a notification that XXXX XXXX XXXX collection had been deleted. I am a truck driver and I do not have enough time to check all these credit and I am less informed. I understand some things with the help of friends. I contacted the credit bureau to get the deletion of the XXXX account by telling them that I am not responsible for this account, the credit bureau told me that if it weren't mine then it is a fraud? I told them that this account is not mine. A few weeks later XXXX contacted me saying the account was verified using an address, a phone number and then two different names XXXX XXXX and XXXX XXXX, names that have nothing to do with my legal name. I was surprised at the verification methods used! Recently, TrueAccord takes over with the same methods, the same practices and the same errors. It becomes embarrassing! 

- All seek XXXX XXXX ; - XXXX was unable to validate the debt ; - XXXX   relies on address, telephone number as well as wrong names ; - TrueAccord does the same things. 

In this complaint I will enclose the two correspondences of XXXX. All of them have been in violation of the Fair Debt Collection Practices Act several times.
Product: Debt collection

Someone took out credit cards in my name with out my consent. I have not authorized anyone to use my name or ss #
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right to validate an alleged debt with Midland Credit Management Inc On XX/XX/2021, I mail via XXXX certified letters which were received by their office on XX/XX/2021, to Midland Credit Management Inc, at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX. In the letters, I REQUESTED they ( Midland Credit Management Inc ) provide a DETAILED AND COMPLETE AUDIT TRAIL of their alleged debits, I REQUESTED they zero out the balances and remove ANY AND ALL INFORMATION pertaining to these ALLEGED DEBITS from all consumer reporting agencies. 

They DID NOT send me the above-requested information nor did they remove the information from CRAs.
Product: Vehicle loan or lease

* Vehicle Sold illegally * Credit reporting inaccuracies * Toyota declining to provide primary contacts, Registered Agent, or Counsel, authorized persons on behalf of Toyotas Legal Compliance Department whom responded via https : //portal.consumerfinance.gov with 30 day offer notice * Inaccuracies in response to CFPB * Tortious actions * Request for settlement provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XX/XX/XXXX do not recognize this account, I would like out to be removed TransUnion XXXX XXXX XX/XX/XXXX account is closed would like it to be removed
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject XXXX Complaint Against Consumer Portfolio Services for Potential Violation oXXXX XXXX XXXX XXXXXXXX Laws To Whom It May Concern, I am writing to formally lodge a complaint against Consumer Portfolio Services ( CPS ) regarding what I believe to be a violation of XXXX XXXX XXXXXXXX laws under XXXX XXXX XXXX. Specifically, CPS has charged me an interest rate of 26 % on my auto loan, which appears to exceed the legal limit imposed by XXXX XXXX  state law.

The details of my auto loan are as follows : Lender : Consumer Portfolio Services Loan Account NumberXXXX Loan Origination Date : XX/XX/year> Interest Rate : 26 % Loan Amount : {$29000.00} Under XXXX. XXXXXXXX XXXX XXXX imposes strict limits on the amount of interest that can be charged on loans, and it is my understanding that the rate applied to my loan may be unlawful. This excessive interest rate has placed a significant financial burden on me and may constitute predatory lending practices. 

I respectfully request that the CFPB investigate this matter and take appropriate action against Consumer Portfolio Services if they are found to be in violation of state and federal lending laws. Additionally, I would like to know what steps I can take to seek restitution or any corrective measures that may be available to me.

Please advise me on the next steps regarding this complaint. I am willing to provide any necessary documentation to support my claim. Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

Tuesday XX/XX/XXXX I was contacted by my HR department that some gentleman had come into their office trying to serve me papers. He left them with only a name of XXXX XXXX XXXX XXXX along with a phone number of XXXX. I called the number and spoke to a gentleman who was very rude asked if I have signed any litigation paperwork within the last 72 hours and said they were suing me for a loan from XX/XX/XXXX. I said no I have not signed anything so he proceeded to tell me well then we can settle this now before any paperwork gets signs. I said I do not have the money at this time to pay it. He became more aggressive so I hung up on him. This morning Thursday XX/XX/XXXX I get a voice message from a XXXX XXXX from some servicing agency that said my case was forward to them by XXXX XXXX XXXX  XXXX. The lady said in regards to my property and my place of employment and I had 24hrs to return the call. I returned the call and they said that I would have to call XXXX because they are only a servicing agency and my file is in their hands now. I told her that I called them Tuesday and am now wondering how you received my information if you did n't have my file. I also requested a validation be sent to me about the debt. She was unable to give me any answers, just kept saying we are a servicing agency and you need to contact XXXX. I told her I filed a claim with FTC and she then hung up. The servicing agency number is XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX  ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exist. 

I requested that Discover Card send me a 1099-C for the charge-offs. During the negotiation of my debt, I was assured I would receive a " paid and delete '' letter. I fulfilled my obligations as agreed, but the company refused to remove the negative information from my credit report, adversely affecting my dealings with other companies. 

XXXX XXXX XXXX XXXX charged off my account but requested that I continue making payments in the background. I agreed to this arrangement in exchange for them updating my account information monthly and sending me a 1099-C. I later learned from consumer credit counseling that when a charge-off occurs, I am entitled to receive a 1099-C because it does not count as earned income on my part ; rather, it reflects negative information on my credit report. Despite this charge-off, they still indicate that I owe the full amount as if it had never been charged off, which I believe is fraudulent. 

I had an agreement with XXXX XXXX to consolidate my debt into one loan instead of two, and to extend the term of the new loan, provided I made a good-faith payment of {$7000.00}, which I did. However, although they have consolidated the loan, it still shows that I was 30 days late, and two of the loans that were consolidated are still listed as open. I need the 30-day late payment mark removed from my account with XXXX XXXX , as we discussed. Additionally, I would like the credit card account and the loan account to be consolidated and marked as paid in full for the new loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 section 602 state I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also state a customer reporting agency can not furnish an account.

15 USC 1666B : a creditor may not treat a payment on a credit card account under and opens end customer credit plan as late for an purporse
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian over two months ago and they still haven't blocked and deleted the unverifiable, invalidated, inaccurate, and questionable accounts on my report. Instead, they accused me of using third party credit repair agency.
Product: Mortgage

My ex-wife and I have been working on an assumptions process for over a year. She is assuming the mortgage after our divorce. During the process, our mortgage company sends us to their assumptions department which is another company. This company we have been sent to fails to provide any measure of customer service. Communication has been scarce to none. Weeks go in between responses and they only communicate through email. Simple requests for updates or assistance are completely ignored. Phone calls are never returned. They work so slowly that is impossible for any kind of time sensitive process to be completed. Their legal team has also been unable to give clear requirements for requested documents and has been unable to prepare basic documents per our county clerks requirements. Our actual mortgage company can not just send us to a servicer who doesnt actually do their job whatsoever and doesnt communicate with their customers. This company has no business handling peoples mortgages when they have no regard for actually completing any kind of work.
Product: Debt collection

Out of the blue SEQUIUM ASSET SOLUTION added XXXX $ debt on my credit. 
I disputed it with all 3 credit agencies because i have 0 idea what this is- it is not mine. I dont owe XXXX  anything, and i dont owe anyone anything. All 3 credit agencies deleted it over the dispute. 
Now, today, they added it back as a new collection a month later, but only on XXXX. 

Prior to this i had a fraudulent charge with XXXX  that was also removed for a different amount! I notified XXXX, i also disputed it when it got to a different collections agency, which was also removed due to being found to not be a valid debt - JUST LIKE THIS ONE. I dont know what is going on, but it is wrong and I feel like it is fraud in THEIR part at this point. Ive not even gotten a single bill or notice. This is utter XXXX.
Product: Debt collection

I returned a call from the Stark Collection Agency. 

They asked for my birth date. 

I refuse to give either my Social Security number or Birth Date or  other personal information to an unknown agency. 

They would not provide information so that I could be sure the debt was mine. 

To my knowledge I have no outstanding or overdue debt and they would not provide information that would allow me to verify the debt. 

I asked that they not call my number if they can not provide me information that the debt is mine.
Product: Checking or savings account

Funds would be taken out that I did not actually have in my account therefore causing overdraft & /or negative bank account
Product: Payday loan, title loan, or personal loan

Net Credit has been reporting a closed installment loan incorrectly to my credit report. They have been reporting me as XXXX XXXX late in XXXX and XXXX XXXX  late in XXXX. There was an error on their part for debiting my account for the aforementioned XXXX I received an email from a representative of Net Credit, XXXX XXXX XXXX, who recognized the mistake and claims they have corrected it on my XXXX report. To date, my XXXX credit still reflects me having late payments. However, during my last conversation with Net Credit, they stated that Net Credit had reported my account as paid and in good standing. This reflected as paid as of XXXX but failed to remove the late payments of the aforementioned XXXX. This has dropped my XXXX XXXX and caused me irreparable harm. I've had my credit lines on credit cards decreased recently due this erroneous reporting.
Product: Mortgage

My wife and I recently put an offer on a house in early XXXX. Our offer was accepted and we began applying for mortgages and ended up using US Bank. I provided the loan officer with information about my current employment and wages. Throughout this process I had been interviewing for jobs and awaiting job offers. The location of the home is not within commuting distance. By XX/XX/XXXX, I had heard back from only one employer in the area and was offered a position with a $ XXXX pay cut. After budgeting, I realized I would not be able to afford this home and contacted our loan officer to update him. My wife and I decided to terminate the purchase agreement based on the financing contingency in the contract. I contacted my loan officer to terminate the loan application and request a loan denial letter to provide to the sellers. He was understanding and told me he would work on it. I have followed up with him on XXXX XXXX XXXX because I have not received the loan denial. Now the loan officer is not responding to my attempts to contact him. My wife and I would just like the loan denial letter before the closing date.
Product: Checking or savings account

we have a account with Wells Fargo as a savings account for my son. we don't check the account often as it is a XXXX account for a minor which can not be touched until he turns XXXX from what I understood when we opened the account. XXXX day as we were curious i asked for the balance of the account and I saw on the statement there had been someone by the name " XXXX XXXX '' taking money from the account XXXXXXXX XXXX  every single month, i asked the banker XXXX XXXX XXXX about the charges and she told me they have been going on for over a year which was a shock to me because as i said a savings account like the one i opened for my son can not be used or touched until he is of age. she told me it was fraudulent as i never even heard of this person and she opened a report for it. We called the company that was getting paid this amount every month and they informed me they wouldn't be able to do anything that i needed to contact the bank. after multiple times of going in personally and getting no answers i called in and the person on the phone told me they wouldnt be able to do anything and i would not be getting the full amount that was taken from me, she also told me that companies are allowed to take the money without even getting ID confirmation and not get into any kind of trouble. I got a letter in the mail today saying the charges on my account were " correctly charged '' and that i would not be reimbersed my XXXXXXXX XXXX that im missing, id only be getting {$400.00} credited back on my account and that the case was closed which is not correct. in no way should i be charged that amount when i did not give anyone my account information nor did I accept to have these charges on my account for a person who i have never met or heard from in my life. On XX/XX/2022 I got a letter saying that I was only getting back {$400.00} out of the {$900.00} thats not correct. Also in that same letter it says our deposit account agreement explains we must hear from you no later than XXXX days AFTER WE SEND THE FIRST ACCOUNT STATEMENT ON WHICH THE PROBLEM OR ERROR APPEARED yet they never sent me anything about my account at all. This couldve been prevented if they had sent me my account statements as it says in our agreement!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am banking with XXXX XXXX XXXX, this XXXX XXXX merge with XXXX who I did my refinance with back in XXXX. I have never had any issues from my loan due to it came from my checking monthly for the due date. Back in XX/XX/XXXX I had a payment that did not come out due to myself having a family emergency with my father having a XXXX, made my payment on the XXXX of XXXX and did not realize I had left XXXX cent not paid. I never received any info by mail about the XXXX left over. In XXXX I called about why I was seeing a late fee after my payment was made from my checking, no-one could tell me what was going on, asked for a call back from a manger, never heard back. Forward to current I received a call in XX/XX/XXXX advising I was delinquent. I asked how? I also could not understand when my payments have been going down each month. It took me XXXX calls in to speak to a young man who advise me that in XXXX I did not fulfill my obligations to my loan, I then was online going through my transactions and seen it was XXXX cent that was not paid, Rep refuse to remove. I asked for leadership to call received a call later that day with a manager that did not look into anything and had no info and advise me she would look into how the notifications are sent. I advise her I did not receive any notifications at all said she will call. 
me back, yet to hear back from leadership. As of today, XX/XX/XXXX just received a notice that it is delinquent with all the late fee 's but nothing where the late fees came from. This has affected my credit by XXXX XXXX XXXX reporting. This has yet to be resolved. I have never been late with my payments and for this XXXX cent issue to not be resolved and having it affect me is mentally and stressful.
Product: Student loan

Have been working with Nelnet. Have had 5-6 calls with them and each time have been told conflicting information in regards to my account. I have been told with some calls that my XXXX required payment would be completed when I made the XXXX payment. However, come XXXX I was required to make yet another payment. Was then told that my daughter was now enrolled in the Income Driven Repayment Plan and her payment would be XXXX. However, upon calling again later in XXXX was told I had to make YET ANOTHER payment. Also, filled out the application for this program on line in XXXX, XXXX and XXXX. Nelnet first stated that they had none since XXXX. However upon pushing them they all of a sudden found XXXX from XXXX and advised they would submit it since they once again agreed her XXXX required payments had been made per a supervisor.