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

I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX for unlawful debt collection practices and inaccurate credit reporting in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

What Happened : XXXX XXXX Is Reporting a Debt It Does Not Own XXXX XXXX XXXX XXXX is attempting to collect and report a debt that did not originate from them and for which they have no legal right to collect. 
The alleged debt is governed by a binding arbitration agreement with the original creditor, which requires arbitration before any collection or reporting can occur. No arbitration has taken place.

Their actions violate 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1692f ( unfair practices ) under the FDCPA. 
XXXX XXXX Is Reporting Inaccurate Information to Credit Bureaus I disputed this account with XXXX, XXXX, and XXXX, explaining that XXXX XXXX has no legal authority to collect or report this debt. 
XXXX XXXX failed to provide validation or remove the account, violating 15 U.S.C. 1681s-2 ( b ) ( duty to investigate and correct inaccurate information ). 
XXXX XXXX Is Ignoring My Dispute & Continuing Collection Efforts I sent a formal dispute letter demanding that they cease collection efforts and remove the tradeline.

Instead of complying, they continued their collection attempts and credit reporting, violating FDCPA protections. 

Steps I Took : Sent a dispute letter to XXXX XXXX, demanding verification of the debt and removal from my credit report. 
Disputed the account with XXXX, XXXX, and XXXX, citing FCRA and FDCPA violations. 
Despite these actions, XXXX XXXX continues to report inaccurate information and attempt collection. 
Requested Resolution : Immediate deletion of the XXXX XXXX tradeline from all credit bureaus. 
XXXX of all collection activities related to this debt. 
A formal investigation into XXXX XXXX ' violations of the FDCPA and FCRA. 
If this is not resolved, I will pursue legal action under 15 U.S.C. 1681n & 1681o for willful and negligent violations of federal law.
Product: Debt collection

XXXX XXXX sent a report to a debt collector AFNI stating I owed them {$930.00} for service in XXXX Illinois. I had never lived or even been in Illinois in my entire life. They sent me the bill because the person in Illinois used my name and something close to my social security number but not my exact social security number. They transposed two numbers therefore it is not my social security number. This being said I should have never received a bill. Now I have been thru filing identity theft case to the police department sending letters to debt collectors, dish network and credit bureaus. Nothing seems to be done about this incident that should never had happened since the social security numbers does n't much.
Product: Mortgage

I have previously submitted documents to Nationstar Mortgage asking that my interest rate be modified from 6.25 % to 3 %. After all this is not an outrageous request ; many homeowners have had this rate for YEARS due to the Great Recession. I also sent themall the documents they required AND amortization schedules with 2.8 %, 3 % and 3.2 % and the respective payment amount. Nothing. I am in bankruptcy, I have the care of my XXXX year old mother who has XXXX, I had to take an early, MEDICAL retirement, meaning that I now exist on XXXX % of my full-time rate of pay, and when my father died in XXXX of 2013 my older brother stole their money and some possessions. We are STILL engaged in a lawsuit against him. I say STILL because we ( my younger brother and myself ) had the very bad misfortune to get a XXXX of a lawyer who did NOTHING! What should have taken 6 months is going on past TWO YEARS. I have been drained of just about every asset I have ever had, and we can not move forward and close that case until as have the funds to do so. Luckily my aunt left me in her will and I, and my brother have a few thousand coming from that. As I said, a year ago I was ready and willing to make the changes in my mortgage payments. I also have a XXXX mortgage with XXXX. They are just weeks away from foreclosure, too. Why do n't these companies cooperate? I am NOT demanding anything extreme. Now, however, it will take balloon payments to satisfy all of their penalties and missed payments ( XXXX especially ). Please help me find someone to help strong-arm these guys into helping me. It is a lot worse now than it was a year ago, and with everything else I am dealing with it is OVERWHELMING. Will you please get them to cooperate. You did when I complained to XXXX, but not very much. I really need an agency that can take my case, put on the brakes and get this all worked out. Unfortunately it just might be too late. This will also throw my daughter out on the street. She does work, but we all know that the market for employment has just barely begun to improve. HELP!
Product: Credit reporting or other personal consumer reports

My student loans were with Nelnet, but were transfered to XXXX  because I applied for public service loan forgiveness. Loans were forgiven in XX/XX/2023. I have statement from both XXXX & Nelnet showing balance is {$0.00} and a letter saying my loans were forgiven, but my credit report is still showing a balance of over {$40000.00}. I have disputed several times. Called Nelnet they said XXXX had to cancel so I called XXXX  and they said they had done so, but credit report still shows balance 8 months later. Just disputed again still didn't fix issue. Balance needs to be updated to {$0.00} by Nelnet.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Per the fair credit reporting act as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and nonverbal completely and indefinitely per 15 USC 6802.

To whom it may concern, PER 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the
consumer has the right to opt out of that disclosure ; and iii ) A reasonable means by which the consumer may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : 15 USC 6802 OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( HAS NOT BEEN DONE ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ( HAS NOT BEEN DONE OR GIVEN THE OPPORTUNITY ).

THIS UNLAWFUL BEHAVIOR HAS CAUSED INTENSE PAIN AND SUFFERING BECAUSE OF THIS ADVERSE INFORMATION ON MY REPORT. I HAVE BEEN DENIED SERVICES ON MY CREDIT. THIS FRAUD NEEDS TO STOP IMMEDIATELY. 

Sincerely yours, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A Home Equity Loan was obtain from Wells Fargo on XX/XX/XXXX for the amount of {$30000.00}, of which {$24000.00} has been paid off. On XXXX of XXXX, I noticed that the loan amount continued to be the same on the monthly statements, I reached out to Wells Fargo, and they informed me that I have been paying only the loan interest and that I still owe {$22000.00}. 
On XX/XX/XXXX, Wells Fargo offered the following solution- '' The principal balance is decreasing accurately. Regular payments will pay interest due before paying principal. The account entered repayment on XX/XX/XXXX and the monthly payment was fixed at {$140.00} account maturity date XX/XX/XXXX. '' I was never informed of the account having been entered on a repayment. 
I am XXXX years old, which means that I will be paying {$46000.00} for the next 26 years until I reach the age of XXXX. Is this realistic?? 
On XX/XX/XXXX, I mailed out a letter requesting a review of the account for the following reasons : 1. Proof of loan payment, since payments were sent to two different account numbers a. one ending with XXXX b. the other ending with - XXXX The second account number was opened without my knowledge or authorization. 
2. Wells Fargo mailed me two different HELOC agreements- one had only my signature on it and the other had two signatures the house owner 's and mine. 
I am a XXXXXXXX XXXX XXXXXXXX, all documents were written in English. 
3. I requested to pay off the balance amount of {$5900.00}, the amount I thought I owned Wells Fargo. But, it was declined. 
4. Due to the pandemic XXXX I entered into XXXX due to grieving the loss of dear friends and family members, and the idea of losing my home and ending up in a XXXX XXXX. 
5. Finally on XX/XX/XXXX I reached out to " XXXX XXXX XXXX '' agency requesting legal advice/assistance to resolve the HELOC case and paid {$2000.00}. Four months later they presented me with a loan modification that Wells Fargo had already offered me previously. 
XXXX XXXX XXXX requested {$25000.00} legal fee if I wanted to continue with legal case with no guarantee of a favorable outcome. 
6. On Friday XX/XX/XXXX I reached out to Wells Fargo, after multiple phone transfers and speaking to multiple Customer representatives, and I was informed that the loan new/updated balance had increased to {$26000.00}, and I was instructed to call the Home Reservation Department next week on Tuesday or Wednesday ( XXXX ) because there was no one to assist me at that moment.
Product: Debt collection

I have reached out to RESURGENT/LVNV FUNDING in regards to inaccuracies on my credit report XXXX this is the account number provided. I have received no response to my request for original information from the creditor themselves, also all account information including payment information and wet signature used to establish this account. I have explained to the company I have been a victim of identity theft and they have not taken the proper action. I would like this item removed from my credit report.
Product: Credit reporting

Equifax repeatedly prevents me, despite being a victim of ID Theft from receiving my copy of my federally protected CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after that Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX & XXXX XX/XX/XXXX
Product: Debt collection

Good morning, I have just received a letter requesting a debt payment from a company I have never done business with. I do not know this company and they are not who I get insurance from. This is a completely fraudulent charge. 

Company # 1 XXXX XXXX Debt : {$2900.00} Company # 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Due date : XXXX XX/XX/XXXX Date received letter XXXX XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I was notified by XXXX about a new account being added to my credit report however I was never notified by this company of any debt or a right to dispute or verify this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 19 inquires on my credit scores. According to your website, any number of inquires done within a 45 day period count as one inquiry. All three companies, XXXX, Experian, and XXXX  are counting each Inquiry separately. By my count, the most I should have would be four ( 4 ). Everything else on my scores is listed as Excellent, these inquires are listed as Poor.

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card

Capital One offered a settlement to my husband on an outstanding credit card balance on XXXX/XXXX/2016. Offer was accepted verbally and bank acct # given for electronic payment in full immediately. Offer was explained over phone and we were told it was being recorded - with full disclosure of terms. Rep stated offer was good until XXXX/XXXX/2016. 10 days later, called Capital One because we realized payment was never withdrawn from account. Was told payment was not accepted by our bank ( even though other credit cards were paid recently out of same account ). We were not notified of any issue with payment. Now after 1.5 hours on phone ( 3 way call with our bank, waiting on hold etc ) manager XXXX " just realizes '' the account is now going to 'charge off ' and settlement offer is withdrawn. FULL balance ( {$600.00} more ) is due. Capital One now says it is 'Too late ' to pay the settlement amount that we were willing to send by cashier 's check overnight if necessary. We had 4 more days to pay according to their 'Recorded Disclosure Statement '. The letter attached arrived AFTER all this and is dated XXXX XXXX and states DATE DUE : XXXX XXXX.??? These extortion practices are inexcusable. My husband was out of work for most of 2016 and just wanted to settle this debt and start to rebuild his credit. We obtained a loan to pay off the high interest debt. Capital One supposedly has a recorded statement verifying the due date of their agreement which they decided to break so they could extort {$600.00} more from us.
Product: Vehicle loan or lease

This just another one of the many issues I have had with GM Financial during the course of my loan. I have requested review of m y account on two occasions within the past 2 years because of loan payments not being applied correctly which resulted in additional finance charges. This complaint has come about due to the non reporting of my correct account balance information after I have called and complained to GMFinancial and disputed the reported incorrect information with the credit bureaus. This incorrect reporting was the cause of a disapproval for credit for a major purchase. This was listed as the deciding factor for the new credit disapproval. At the time of this complaint, my balance is XXXX ( est ) and has been reporting that way since XX/XX/2017 as XXXX ( est ), which is the last date reported by GM Financial. Additional has been requested and can/will be submitted to your agency upon request.
Product: Credit reporting or other personal consumer reports

Capital one reporting late after just 5 days. No notice given. Late payment can not be verified. CFR 1029.11 states credit balances in excess over {$1.00} has to be credited in full to the account by creditor. 

Late payment reporting inaccurate on report is violation of 15 usc 1666 ( b ) Please see to it late payment is removed and balance is credited in full
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Subject : Dispute of Inaccurate Collection Accounts with MEI AUTO FINANCE I am writing to formally dispute the accuracy of the collection account referenced in your records under the account number [ Account Number ]. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically under 12 CFR 1006.34 ( d ), I have the right to dispute any debt that I believe to be inaccurate. 

I would also like to draw your attention to 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which stipulates that furnishers of information must ensure the accuracy of the information they provide to consumer reporting agencies. I believe this account has inaccuracies that need to be investigated, and I request that you provide verification of this debt, including any documentation that substantiates your claim. 

Please provide me with the following : 1. The original creditors name and address.

2. The amount of the debt.

3. A detailed account of how this debt has been calculated.

4. Any documentation that verifies the validity of the debt.

In the absence of such verification, I request that you cease all collection activities and remove this account from my credit report. 

I look forward to your prompt response to this matter. Please send all correspondences regarding this dispute to my address listed above. 

Thank you for your immediate attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

By calling the company about this account that is negatively affecting my credit, I committed to paying the agreement and they were also going to eliminate this negative account from my credit bureaus, the payment was made on XX/XX/year> and this account is still there It is reporting negatively and I am being affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts must be deleted from my consumer report. This is a violation of 15 usc 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD. Failure to respond satisfactorily with deletion of the referenced account and also a free copy of my report after the changes have been made will result in actions being taken against your company. 

i'm actually the person sending in my own disputes to the Consumer financial protection bureau, Federal Trade Commision, Attorney general, XXXX XXXX and Transunion.