23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

We leased a car from XXXX in XXXX of XXXX and had it financed through XXXX XXXX. Six months into the lease we paided out the lease. After paying the lease out we still received calls saying that we are behind in our lease payments. We would resolve the problem monthly. XXXX of XXXX we called the dealership and let them know we wanted to lease another car despite the previous problems we had with XXXX. They explained that they were not doing any new leases in Ohio, but there were select number of people that could do another lease term with the car they were already leasing. We said OK, what do we need to do. XXXX at XXXX told me that they had not worked out the details with XXXX yet and to wait until our lease term was up. We waited called daily to find out if they had worked out anything yet. I asked XXXX what we should pay he said just How can debt be veirfied if each credit bureau have conflicting informations Equifax Late 120 XXXX CHARGE OFF XXXX Charge off Date of last payment are incorrect a Accross 3 credit bureaus They are reporting inaccurate info to the 3 credit bureaus. 
Account Type : Installment Installment Installment Account Type - Detail : Auto Lease Auto Loan Collection Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory  Monthly Payment : {$490.00} {$0.00} {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$620.00} {$620.00} {$620.00} No. of Months ( terms ) : 12 12 0 High Credit : {$17000.00} {$17000.00} {$17000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$620.00} {$620.00} {$620.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Full termination ; balance owing Unpaid balance reported as a loss by credit grantor. 
Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes - reinvestigation in progress Collection account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO The Three Credit Bureaus are involation for not doing a thorough investigation into the matter and allowing said name customer to report fraudulent and unauthorized charges
Product: Credit card

I was contacted by Barclaycard XXXX Department advising me that my account ( XXXX ) was blocked and that I needed to go to a banking center and attempt to do a cash advance, and have the bank teller call them to verify my State DL and identity. Which I did and they charged my account a cash advance fee of ten dollars. I put the the money that was withdrawn back to account immiedityly, I contacted barclay to remove the fee, however they stated they will not. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -The other issue is that on XXXX/XXXX/2015, I did a balance transfer on the wrong account which was for {$5800.00} to XXXX XXXX XXXX XXXX when I found out it was the wrong account I did the balance transfer I made a payment of {$6100.00}. to take of the balance immediately, however Barclaycard charged me a {$230.00} balance transfer fee as well as a {$49.00} and XXXX interest charge balance fee.
Product: Student loan

Hello, I am a XXXX XXXX XXXX from the University XXXX XXXX XXXX in XXXX XXXX, Ohio. 
I am writing to inquire about what the terms or grounds for harassment are regarding a student loan lending company? I am struggling to find a stable and secure position within my degree field and I have every intention of paying back what I owe in debt. However I am in a position that I do not possess the financial means to pay the lump sum they are demanding. 

I have pleaded for a deferment so that I can find a job and not have the added stress that they are burdening me with. They call my house dozens of times a day, at all hours of the day from very early morning till XXXX or later. They have also called my grandparents yesterday, and today have contacted a close friend from XXXX. 

I am a XXXX and have no knowledge of law when it comes to something that pertains to this predicament, I am just at wits end and plan to pay most of what I have in savings just to get them to subside for the time being so that I can devote more of my time to finding a stable job. 

Thank You.
Product: Debt collection

Letter of dispute regarding fraudulent activity & IQ-Data Collection agency.

*Please help in correcting current balance to original balance, updating/removing or closing if no proof of authorizing and/or signed agreement by me regarding collection of any interest, fees, charges or expense added by IQ-Data & not allowed per XXXX & Federal FTC Fair Debt Collection Practices Act* The following are the areas of dispute. 

1 ) Fraudulent activity by IQ-Data.

a ) IQ-Data has continuously and currently collects/ attempts to collect interest, fees, charges and expenses onto the original balance without any known authorized agreement to do such. No known authorized agreement by me to allow such.

b ) The original amount of debt is {$5300.00} and should have remained such with zero added fees etc. not expressly authorized. 

c ) Please verify & request proof with IQ-Data of any authorized agreement by me or original party ( XXXX XXXX XXXX reporting debt allowing such charges. 

d ) If no proof, evidence or response provided from IQ-Data please help with updating/removing or closing from credit report.

2 ) Violation of the XXXX & XXXX Fair Debt Collection Practices Act. Section 808. 

a ) Such fraudulent charges are in direct violation of the XXXX Fair Debt Collection Practices Act, Chapter 14.9, Section ( a ) & Federal FTC Law, Fair Debt Collection Practices Act, Section 808. 

a ) Please request to have proof submitted by IQ-Data of any authorized agreement by me or original party ( XXXX XXXX XXXX reporting debt allowing such charges. 

b ) Unless provided with proof of such amount is expressly authorized by the agreement creating the debt permitted by law or by me please assist in updating/removing or closing from report. 

3 ) Violation of the Federal Fair Debt Collection Practices Act. Section 805.

a ) IQ-Data has contacted my place of employment on XX/XX/2023. 

b ) Current employment is with the XXXX XXXX Department. 

c ) IQ-Data has knowledge that employer is with the fire service & calling a government building. 

d ) IQ-Data has reason to know that my employer prohibits me from receiving such communication due to type of job, nature of job, type of establishment it is. 

e ) All is in violation of the Federal Fair debt Collection Practices Act, Section 805, Communication in connection with debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt has been reported to credit bureau Experian as a collection for the amount of XXXX XXXX. However this amount has been paid in full today XX/XX/28 ( XXXX XXXX dollars ). I need for Experian to remove this from my credit report since its impacting me badly. 

Also, I need to make XXXX and XXXX aware because I believe this will be reported as well at some point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX ", XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX has violated my rights. 

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

I have sent several letters to XXXX/ XXXX  and Experian inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.
Product: Debt collection

I received a call from XXXX XXXX on today XX/XX/2020 @ XXXX XXXX He stated he was with a law firm in which that is a lie he works for East Point Collections. XXXX XXXX processed to tell me he was go to sue me over a XXXX account I had in the past. At this point I became very angry with this liar, I have never been notified via mail at all. Also, I inform XXXX  XXXX  back in XXXX of this year I was filing for Bankruptcy. This collection agency is acting as law firm in which they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve with the Wiltshire consumer Capital. I have tried to contact and sent email to them multiple times, they have not responded or put any effort to help with resolve the issue. They are reporting that i was late on my payments however that was never the case.
Product: Credit card

On XX/XX/year> I made a payment to Bank of America- XXXX XXXX credit card, I inadvertently made a payment to the incorrect credit card. I realized the error and contacted Bank of American on XX/XX/year> requesting the return of the funds. They said the funds had been transferred and I should contact XXXX XXXX, by bank that the payment was generated from. XXXX XXXX  indicated they have no record of receiving these funds back. 
I called BoA again, they said it takes XXXX days. On XX/XX/XXXX, I received a letter stating the funds had been returned. The funds were not returned. I called back and they said that it could take up to 30 days. On XX/XX/XXXX, I called back BoA said it could take up to XXXX business days. It has now been more than XXXX business days, and they can not tell me where the funds are.
Product: Credit reporting or other personal consumer reports

on XX/XX/24 a letter was sent to experian advising there was incorrect information reporting to my credit about a few collection accounts and asked them to provide details on their method of verifying the debt that is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 48-month lease account was paid in full as of XXXX, XXXX, the lease was completed as scheduled and returned as required. As of the date XX/XX/XXXX, there was a certified letter for No Response to a 1099 Request to XXXX XXXX to validate the charge-off reported on my consumer credit report. " You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. ''
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation unde

r the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. I recently reviewed my consumer report and noticed an incorrect lat
e payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

After getting my annual credit reports I noticed a collection account that I knew nothing about so I sent a certified return receipt letter to Phoenix Financial Services asking for validation of an amount that they claim I owe them {$1200.00}. I received no communication from them but noticed that my credit files was marked with the statement : disputed by consumer, meets FCRA requirements. Are they not required to verify and validate a debt they claim I owe? I have no knowledge of this debt and do not feel I should have to pay them and would like for them to validate it or remove it from my credit files immediately!
Product: Mortgage

The Mortgage provider sold my loan and when I call the prior mortgage provider I am not allow to speak with anyone to determine who is my new mortage provider so that I can make my XXXX and XXXX mortgage payment. You can only get a recording XXXX, the prior mortgage company is sending communications to the subject property which is a rental property. Therefore, I am not receiving the mortgage provider 's communications in a timely manner or not at all. The mortgage provider should be sending all communication to my place of residence. The mortgage provider may also be sending communications to my attorney that is no longer respresenting me in regards to this property. In summary, I can not pay my mortgage due to failed communications from the mortgage provider. Additionally, I am concern that the mortgage provider will use this unlawful situation to submit my property for foreclosure. I am able to make both payments due, XXXX and XXXX, 2024 if i can receive new mortgage provider 's information.
Product: Checking or savings account

On XX/XX/2023 I submitted COMPLAINT ID XXXX wherein I demanded " Access to my account. Every and all bank statements mailed to my address. ". 

On XX/XX/2023 Ally Bank responded me to refer to their policy on XXXX accounts which states in section XXXX. on page XXXX and XXXX : " As the XXXX, you agree that once we have reason to believe that the minor on the account has reached the termination age under applicable law, we may, but arent obligated to, take any or all of the following actions with respect to the XXXX or XXXX account without further consent or direction from you : Limit access to the account Restrict any deposits into the account Restrict any debits, withdrawals, or transfers from the account Communicate with the former minor regarding the account, including by providing them with account and tax statements Accept instructions from the former minor regarding the account ; and Pay account funds to the former minor '' On XX/XX/2023 I called Ally Bank and provided instructions to provide me full and exclusive access and administrative control of my XXXX account. Ally Bank refused to do this, violating their own policy. I requested to speak to their Legal Team and I was told I can only do this in a court room.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


OPEN : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Debt collection

Several " collections '' companies, using different names and contact information, have repeatedly sent demand letters over the past 7 years to collect a XXXX XXXX debt from me that is not mine. Furthermore, I have never had an outstanding debt to XXXX or and of it's subsidiary companies. I have also never had a relationship with any of the collections companies listed below or any other unnamed companies attempting to collect this fraudulent debt. 

Collections companies perpetrating this fraudulent collections activity include : [ XXXX, XXXX ] [ XXXXefferson Capital Systems , LLC ] Information Listed in their fraudulent notice : Account number : XXXX Reference : XXXX Amount Owed : {$2300.00} Date of Notice : XX/XX/2024 Reply By Date to Dispute : XX/XX/2024 This is fraudulent and repeated XXXX  tactic to scam people out of money for fear of having a collections account on their credit history.
Product: Mortgage

I completed a loan modification with Wells Fargo. I paid on-time forXXXX months. During the process I was told I had title issues. This is my XXXX attempt at a modification with the title work being the hold up of completion. I filed bankruptcy and am not obligated to repay any of the debt of this mortgage loan. However, Wells Fargo and its title agency are falsifying information and including debts and liens from another person. I have provided information to them on several occasions that this person of the same name is not me. I have paid for an independent title search and these debts are not on my credit report. During the trial period of three months I had XXXX different specialists aasigned to me case. I received a letter recently stating I had to respond to the title issues or my modification would be denied. I responded with all requested documents and I called to confirm the documents were received. When I asked about the documents, a rep told me that they had not even been reviewed yet by the title department but yet a letter was sent stating they would deny my request. At this point, I really feel as though Wells FArgo does not want to complete this modification and are determined to make these liens which I have proved do not belong to me, a part of my file as their jusitication to mot approve it. I have years of experience with lending and real estate and ca n't even imagine the number of people who they have probably taken their houses away from them in this manner.