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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have he right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Debt collection

XXXX ext XXXX and XXXX XXXX is her name. She works for TDBank. i am part of a deft relief program and XXXX law is negotiating for me and this bank has called my ex husband and i daughter about this issue and harassing. Need this to stop
Product: Student loan

The company that colle cts, Navient, g ranted me a deferment on my student loan in    2014  due to loss of income and a period of unemployment. After having my monthly payments lowered to about {$230.00} per month, to be paid on the  XXXX  day of the month for 8 months. I get contacted by Navient shortly afterward indicating that payments were missed. Upon contacting my bank, there were no instances of insufficient funds, and that  Navient  did not withdraw any of the monthly payments, my loan was in default and the deferment cycle has to be reset. This has been happening every year since  2014 . After meeting with m y financial advisor to a ssist me with my credit report, she suggested that I file a complaint, since apparently other customers have had similar experiences with Navient.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. Wells Fargo is furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete this account from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

Dear TRansunion, I am writing to formally dispute a late payment reported on my account ( Account Number : XXXX ). I believe this late payment on XX/XX/year> is inaccurate due to an improper notice regarding the bill due. 



As outlined in 15 U.S.C. 1666b, I understand that creditors are required to send a notice of billing statement that accurately reflects the amount due and the due date. Unfortunately, I did not receive adequate notice regarding this specific bill, which has resulted in the late payment being reported inaccurately. if you feel that this letter was sent to me, The burden of proof lies on you to prove this, please ssend me tracking and or signatures proving that I received such letter. I will also be forwarding this complaint to the attorney general because there are some unlawful practices being done here.. 



I kindly request that you : 1. Review my account and the circumstances surrounding this late payment.

2. Provide documentation that confirms the notice was sent and received as required by law.

3. Correct my account to reflect the accurate payment status.

Please consider this letter a formal request under the Fair Credit Billing Act. I look forward to your prompt response to resolve this matter. If I do not receive a satisfactory response within 30 days, I may consider further action. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Product: Mortgage

T

he representative falsely claimed she was my single point of contact when I was requesting an extension of my forbearance. She then asked for information about other bills that I have monthly. Which i had already given. She would not proceed till I gave her the information. She then said that some of my mail was being returned, I said what specifically and she would not answer. I called back got another agent and asked for my personal single point of contact, she gave me a different name I left a message and that person called me back and said she was my single point of contact. I said the other rep lied. She did not acknowledge either way. I recorded these calls. Very deceitful and not upfront.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan account with XXXX is reported as sold to Cach LLC aka Resurgent Capital Services, a separate complaint was made against Resurgent. The terms of XXXX loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to Cach LLC, the parent company by the name of Resurgent replied to complaint which I copied below, their rep states record does not show any account with Cach LLC. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

Resurgent response : We are unable to locate a CACH account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Debt collection

This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kansas medical privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages
Product: Debt collection

I have carefully reviewed my credit report and notice there were some accounts that are not mined, inaccurate, and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : XXXX  # XXXX, Monterey Collection Services # XXXX. 
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Unknown inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account! 

Your company may be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. Please UPDATE and CORRECT the status of the account below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed all three of my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies, ( XXXX, XXXX, and TransUnion ) need to report all information with complete accuracy, the account has not been late on payment. Ive attached a copy of my credit report to this complaint on the following date ( XXXX ) ( XXXX XXXX and or XX/XX/year> ). Im now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your swift response to this matter and your complete cooperation on this matter.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX ( VIN # XXXX ) from XXXX  of XXXX through their corporate website I uploaded all my documents, ( I was pre approved for a loan of XXXX from XXXX XXXX XXXX  XXXX  ) the purchase price of the vehicle was approximately XXXX total with my loan amount the balance was XXXX. I was scheduled to pick up the car on XX/XX/2020 at XXXX  XXXX, I received a call from a representative at the XXXX location that the vehicle would be available to pick up on Saturday XX/XX/2020 at XXXX  XXXX. I arrived to pick up the vehicle a half an hour late, I signed all the legal paperwork including the pink slip and was allowed to leave the lot. I took my childhood friends mother XXXX XXXX with me. After everything was signed I took my friends mother and her daughter to eat as a celebration of the new vehicle and also my deceased mothers birthday which was the following day. When I awoke the following morning I checked my e-mail and there was an message from XXXX XXXX Financial Director stating that he did not think that XXXX XXXX financed XXXX  and that I should apply for some other financing. I wasnt sure if he was a scam artist or an official representative for XXXX. I promptly returned the vehicle to XXXX XXXX  as not to incur any further devaluation. I was very depressed for the rest of Sunday, I decided to wait and find out what was actually going on until Monday morning when the dealership opened. I contacted XXXX XXXX through XXXX to voice my grievances and seek some kind of help. When I was able to get in contact with the representatives at XXXX XXXX  I was repeatedly told that XXXX XXXX does not finance XXXX  vehicles. I contacted XXXX XXXX and they informed me that they do finance Tesla vehicles and provided me with a reference number XXXX. The representative also stated that they had yet to receive anything from XXXX  of XXXX. I asked to be provided documentation with a company letterhead that clearly stated that they do finance Tesla vehicles, I was transferred and that representative did not have any authority to produce the documentation. I reached out to XXXX  of XXXX representatives and was repeatedly routed to voicemail, I decided to choose to call another department and see if they could route me to the delivery team and the person set the phone down and said I had the wrong number. I was eventually able to get in contact with a woman from financing when I tried to give her the reference number she declined and told me that Tesla does not partner with XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX I paid the original creditor directly for an old utility company debt. Nemo 's collections did not remove their negative entry on my XXXX report but rather updated the status to paid as if I had paid them. On XX/XX/XXXX I sent Nemo 's collections a letter via certified mail letting them know that I had contacted the original creditor and made payment directly to them. As of XX/XX/XXXX Nemo 's is still reporting this debt as being paid to them which is false and a violation of the FDCPA. This needs to be removed immediately as it is severely damaging my credit rating.
Product: Credit reporting or other personal consumer reports

I disputed the presence of a fraudulent account on my Equifax credit report, which is being reported by XXXX XXXX. Despite my repeated attempts to rectify this matter with XXXX XXXX directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my Equifax report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness. 
As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). It is unacceptable for XXXX XXXX to selectively remove negative information from certain credit bureaus while neglecting to do so from others. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that XXXX  XXXX complies with its obligations under the FCRA by promptly removing the fraudulent account from my Equifax credit report.
Product: Debt collection

IRC Service ( Imperical Recovery Consulting Services ) has repeatedly called about the same payday loan that I am alleged to owe dating back to XXXX in the amount of {$630.00}. I informed at least three of their consultants, most recently on or about Friday XX/XX/XXXX a male voice identifying himself as Mr. XXXX XXXX, that ( 1 ) it is not my loan and ( 2 ) to stop calling ( cease communicating ) with me because it is not my debt and I am not going to pay any amount to settle it. 

I looked up the company XXXX reference when asked what does IRC Service stand for ( the full legal name ). I am writing at IRC Service [ aka Imperical Recovery Consulting Services ] at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  TX XXXX and demanding IRC Service cease communicating with me pursuant to 15 USC 1692 ( c ) which is reproduced below.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Debt collection

There was a collection on my credit report from Augusta Collection Agency. I sent a debt validation letter to the address on my credit report through certified mail and the letter was sent back to me saying " Return to Sender, Vacant, Unable to Forward ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized XXXX Inquiries were made on my credit report on XX/XX/2023 and XX/XX/2023. I did not authorize them to make a hard inquiry. I tried calling each of the companies to dispute it and they could not provide me with any information. I tried calling the credit reporting agencies and they said I had to call the companies directly. 

Hard Inquiries 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

Incorrect Bankruptcy showing on my credit report belongs to someone with similar name. XXXX  has found it to be an error and deleted it. XXXX and Transunion have refused to do so. I have attached my XXXX  report showing there are no Public Records bankruptcies attached to my credit file. The address that was reported on the bankruptcy is not mine nor have I ever lived there. Please review the attachment and delete the error immediately. It has not been verified by anyone because it does not belong to me. The XXXX  XXXX   Bankruptcy Court of Georgia have verified none exist for me nor have they given that information to XXXX  or Transunion due to their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, the consumer, have contacted GOLDMAN SACH BANK on XX/XX/2022, by certified mail which they received XX/XX/2022. GOLDMAN SACH BANK, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. GOLDMAN SACH BANK has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. GOLDMAN SACH BANK is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), 15 U.S.C. 1681a ( 2 ) ( B )
Product: Credit reporting or other personal consumer reports

I have tried to finance several Things such as cars and loans and i keep gerring deined to the fraudulent activities on my credit report The Fpllowing Accounts are unlawful and have been reported without mt XXXX XXXX XXXX UTILITY COMPANY ACCT. NUMBER XXXX A CHARGE OFF XXXX XXXX ACCT. XXXX XXXX A SECURED CREDIT CARD XXXXXXXX XXXX XXXX ACCT. NUMBER XXXX A CHARGE OFF AND XXXX XXXX A CHARGE OFF I Am Requesting ALL OF THESE ITEMS BE EXCLUDED OFF OF MY CREDIT REPORT WITH MONETARY RELEIF FOR THE VIOLATION OF MY RIGHTS and the VIOLATION OF THE FOLLOWING USC CODES : 15 USC 1681 ( a ) ( 2 ) Exclusions 15 U.S Code 1692 ( I have the Right to Privacy ) 15 USC 1692 ( a ) ( c ) a debt collector must have my consent to report and according to FCRA and the FDCPA and for violation according to 15 USC 1681 ( i ) i am entilted to monetary compensarion