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

Account # XXXX I noticed you are preparing and reporting a false consumer report about me which defames my character and general reputation with the intention of extorting money out of me. I do not recall giving your my written permission and consent to do this. If i did such thing may you please provide me with it immediately Also, it is an inconvenience to me when your company contacts me, or communicates with me through any medium other than the CFPB. I refuse to pay this alleged debt!! Please CEASE & DESIST all further communications with me, my family, my friends and employers; relating to anything in regards to me. IF you wish to communicate with me and me only please do so ONLY through the CFPB. I am aware that the documents you are going to provide is NOT verification of the alleged debt. verification of a debt is not an account statement or any of the documents you are going to provide. If you wish to validate the alleged debt I would like to see the actual accounting ledger which shows the source of funds being loaned out. A XXXX daily transaction log AND a binding contract between Amsher collection services & I. If your company can not provide this, then the debt can not be validated and you are legally required to delete the accounts from my consumer report. Also, could you please show me where a contract says that I agreed for non public personal information and/or transactions to be furnished on my consumer report? I would also like to see that you guys provided me with an option to Opt-out from such reporting. delete the account from my consumer report because it is false misleading inaccurate and is defaming my character and reputation causing me not to be able to obtain future credit because of such false reporting. Your company actions are unfair to me and deceptive... if you can not show the required verification, you are legally required to delete the account from my consumer report. I am only giving your company 7 DAYS to complete such request. notice is considered given upon receipt of this email. please provide me with all the above documents/information I asked for so that I am able to verify that the debt is accurate, if you can not provide such please delete the accounts from my consumer reports immediately. I also would like to see that i gave you my permission/consent in your initial communication with me ( because you do not have the initial communication as required by law ) that you were able to prepare a report of my consumer character and report on my consumer credit report. If you can not provide the same then you are in violation of the FDCPA and are liable to me for my harm and actual and statutory damages. in the event that we can not come to an agreement, I will pursue this matter with arbitration or counsel. **Please Note that I have forwarded your company and I responses to the CFPB, attorney general and comptroller of currency*XXXX YOUR COMPANY HAS 7 DAYS TO COMPLETE SUCH REQUEST OTHERWISE I WILL FURTHER THIS MATTER IN COURT AND/OR ARBITRATION.
Product: Credit reporting or other personal consumer reports

The Negative Items on my report are closed, charged off, etc. but they remain on my report. please have them removed from my report.
Product: Debt collection

Acct #  XXXX  Due {$26.00}, #   XXXX   Due {$570.00} This is regarding account #  XXXX  for {$26.00}, #   XXXX   for {$570.00}, which you claim I am delinquent {$26.00}, and {$570.00} which is ABSOLUTELY INCORRECT. These accounts are not mine. This is a formal notice that your claim is disputed.
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I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
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Be aware that I am making a final goodwill attempt to have you clear up this matter
Product: Vehicle loan or lease

On XX/XX/XXXX, I signed Vehicle Order and Lease Agreements for a New XXXX XXXX XXXX XXXX   with Honda Lease Trust/ Honda Leadership Leasing . The Vehicle Lease Agreement stating {$300.00} due on the XXXX of each month. This payment was made monthly and the last payment was made XX/XX/XXXX covering the XX/XX/XXXX payment. The next payment being due XX/XX/XXXX. 

On XX/XX/XXXX, through no fault of my own the XXXX XXXX XXXX was totaled. 

On XX/XX/XXXX, I signed Vehicle Order and Lease Agreements for a New XXXX XXXX XXXX XXXX   with Honda Lease Trust/ Honda Leadership Leasing . The Vehicle Lease Agreement stating {$320.00} due on the XXXX of each month and the first payment was made on that day XX/XX/XXXX. 

This payment schedule should have stared no sooner than XX/XX/XXXX, when the original next payment was due. With the {$320.00} paid on XX/XX/XXXX covering the first payment, the next payment should have been due XX/XX/XXXX. There was an overload of information presented and I was not aware of the new accelerated payment date, which I believe to be inaccurately early. I missed the accelerated XXXX payment. I was not spoken to by phone and saw no mail or email from the Leasing agency regarding this lapse of payment. 

I ended up making a {$650.00} payment for both XXXX and XXXX on XX/XX/XXXX. 

Because of this unjustly accelerated payment plan, my payment was just over 30 days late and thus reported to the credit agencies causing me to be rejected for loans I could easily carry. 

I spoke with the leasing agency and explained the situation and requested they remove the late payment and they said there was nothing they could do. I spoke to XXXX ( his supervisor XXXX ) they refused give me their last names or employee identification numbers.
Product: Mortgage

bayview loan services did not pay my XX/XX/XXXX real estate taxes that were in escrow now as of XX/XX/XXXX they sold my loan to rushmore loan management services they passed the buck no help
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

I DON'T UNDERSTAND WHY Y'ALL KEEP DENYING MY IDENTITY THEFT CLAIM. THIS IS PURE FRUSTRATION AND ANNOYANCE TALKIN ' HERE, BUT IT JUST DON'T MAKE NO SENSE! Who gave YOU THE RIGHT TO SAY I AIN'T BEEN A VICTIM OF IDENTITY THEFT? I know what's goin ' on with my own stuff. Y'all ain't no judge or jury! I sent a legal law enforcement agency report to prove what happened to me. Let 's get this sorted out within the 5 days the law says you got ta do it in. Don't make me come after you! XXXX XXXX XXXX  and XXXX XXXX XXXX. Please remove these accounts immediately.
Product: Credit card or prepaid card

For the second time in five months, Synchrony Bank suddenly closed an account of mine. In the first situation, my account was paid in full and I had a zero balance. This time, my account was not even close to the credit limit. I have never missed a payment and have been a customer for years. The company is completely crooked and seems to be doing this to a lot of their customers. The company is using the COVID-19 pandemic in order to clear out customers. It is not right. I have done nothing wrong, and do not deserve to lose available credit. In addition, the credit score they pulled has changed as I had a mistake on it that was recently fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX has me in collections for some dates I was never seen on and the others, I have insurance. I have been on XXXX for over 15 years which automatically gives me insurance coverage ( XXXX and or XXXX ) I called the collection agency XXXX XXXX who is the collection agency for XXXX XXXX. They claimed at first I had no coverage and then said they had the wrong date of birth. I was also told that I would receive a call back in reference to this matter which I never did. I am also aware that because I have XXXX I should never been billed
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX XXXX from my Hand Inquiries currently showing on my reporting. I do not know or have any known affiliations with this to the best of my knowledge. I have not known of any entity like this dealing with credit since 2015. A charge off in 2015. The statue of limitations are 3yrs. Maryland. This looks negatively on my reporting .please remove, as a hard Inquiries. Thank you so much for your help! Sincerely, XXXX XXXX XXXX
Product: Debt collection

Good Afternoon, My name is XXXX XXXX and I am reaching out about a debt collection that has taken place. I moved out of an apartment complex called, XXXX XXXX XXXXXXXX on XX/XX/year>, due to the fact that the apartment complex was infested with bedbugs and it was not habitable for my family. I communicated this with the Manager, XXXX, and was told that it was okay for me to move out of the apartments. She instructed for her assistant to call me and notify me that I could move out of the unit on XX/XX/year> and that the lease would be broken due to contract breach, as long as I sent an email stating the move out date. I sent the email, but now I am receiving a notification from a collection agency called Columbia Debt Recovery LLC DBA Genesis, stating that I owe {$3400.00} for three months of rent after the contract was broken. I notified Genesis of the issue, but they stated that the apartment will allow you to move out but I am still liable to pay the fees, after the complex released me to move due to a health hazard. According to the law in Texas, an apartment complex must create a habitable housing and are violating this standard if otherwise, Implied warranty of habitability and that tenants are allowed to break the lease under these circumstances. Please let me know what can be done to remove this collection off my credit. I have the voicemail from the complex as well as the email they requested that I send to confirm the move out date. 

Thank you so much, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I saw this negative account on my credit report from TOWER LOAN for {$2800.00}. I sent Tower Loan a debt validation request letter on XX/XX/18, which they received on XX/XX/18. They have chosen Not to respond & ignore the request. It has been over 30 days & still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed that it has been used without my consent and there was and attempt to apply for credit in my name i talked this over with these companies ' numerous times i need this investigated and removed!! 

XXXX XXXX XX/XX/XXXX BB & T XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been working since last summer to submit PSLF paperwork and get an updated count of current qualifying payments. I have had to resubmit paperwork several times, and have made several phone calls to the servicer ( multiple times throughout the summer   XXXX  , then again in  XXXX ,  XXXX ,  XXXX , and  XXXX  of this year. ) Each time I am provided with different information. Either my paperwork is being reviewed, or they are going to place it under review. I am assured that I will receive some kind of documentation ( either online in my account or via mail ) within a certain time perio d ( som etimes 60 days, sometimes 90 days ) and to please wait. I still do not have the information I have been asking for, do not know how many qualifying payments are being counted towards PSLF and have not been given any information on what I can do to move forward. Currently, my account reflects o nly 17 qual ifying PSLF payments, even though this number should be closer  to 50. I can  not get any explanation for what is being counted, what is not being counted, and why. During my last phone call in  XXXX  I was total that a " payment tracking '' document would be sent to me via mail and that I should receive it within 60 days. Thus far, I have not received anything.
Product: Vehicle loan or lease

1. On XXXX XXXX, XXXX my car was repossessed by World Omni ( XXXX XXXX XXXX XXXX ) from my home in XXXX XXXX, FL. 
2. Their clam is that I was mailed A Notice of Our Notice to Sell on XXXX XXXX 3. They claim that they mailed a Repossession Accounting Statement on XXXX XXXX, XXXX I have written several letters ( attached ) disputing their claims When you see their paperwork it clearly says XXXX XXXX XXXX. 
This not my address I have constant problems with this as my mail gets delivered to XXXX XXXX I did not receive any correspondence from World Omni concerning my car. 
I was deprived of my right to recover the car by making monetary arrangements or paying off the balance within the allotted recovery time When they sent their answer to my correspondence on XXXX XXXX, XXXX it was received by me because it had the correct address which is XXXX XXXX I have asked them to provide proof that I received the following documents by certified or signature proof of delivery 9-506. EFFECT OF ERRORS OR OMISSIONS.
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
These documents are required by law by the UCC Code and must show proof of delivery or the repossession is a violation of law. 

I further asked that the record be removed from all the credit reporting agencies immediately. 
They have refused to acknowledge that this charge is disputed with credit bureaus and is inflicting harm to my ability to get loans of any kind I fully intend to sue if this is not resolved as this is causing me mental anguish as well as monetary hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit report are reporting inaccurately. I have sent in letters to the XXXX, TransUnion, & XXXX to dispute, and it just seems like they are not doing their job correctly. Some accounts are reporting 30 days late multiple times. When it was only late once. Accounts that have been paid and agreed to be removed have not been removed from the credit report. I have requested that balances be updated and they still have not been updated.
Product: Consumer Loan

Fortiva Retail Credit does not provide monthly statements to show amortize principal and interest. Only online service to review account but no details, Spoke numerous times to creditor who reluctantly states no statements issued or yes we will mail statement and never get one. My complaint is true breakdown of my personal loan. Misleading practices is my complaint. 

Contact information : FORTIVA RETAIL CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX, AND XXXX ALL HAVE BEEN NOTIFIED ABOUT THE INACCURACY OF MY CREDIT PROFILE IN XX/XX/XXXX, AND I HAVE YET TO HEAR BACK FROM EITHER AGENCY. THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY FAILING TO REPLY WITHIN 30 DAYS. I AM ASKING TO REMOVE THE INACCURATE ACCOUNTS OR PROVIDE DOCUMENTATION. I OWE NO DEBT TO ANY OF THESE COLLECTORS. LEGAL ACTION WILL FOLLOW. PLEASE REMOVE THE FOLLOWING ACCOUNTS ACCOUNTS : XXXX XXXX XXXX  Opened XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$6600.00} XXXX XXXX XXXX Opened XXXX {$6700.00} XXXX PLEASE FOLLOW SUIT AND ALSO REMOVE THE FOLLOWING ACCOUNT AS THIS REPORTS TO NEITHER XXXX NOR EQUIFAX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXX XXXX Opened XXXX {$650.00}
Product: Student loan

I am unable to login as I forgot my password and am now locked out. I want to pay my bill and access my tax info ( which I have an appointment with my CPA tomorrow and will not have that form that I need toi complete my taxes ).

It is beyond FRUSTRATING to not be able to talk to someone! I can not believe how long I sat on the phone for countless times! They are IMPOSSIBLE to contact! I'm trying to pay my bill! You'd think it'd be easy?! I don't want it to affect my credit due to their lack of availability.

PLEASE help me!

Kind regards, XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 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

I AM ASKING THAT YOU KINDLY REVIEW THESE ACCOUNTS AGAIN. THESE ACCOUNTS DOES NOT RELATE TO ANY CONTRACT AGREEMENTS MADE BY ME. I DO NOT KNOW OF ANYONE WHO WOULD HAVE HAD ACCESS TO MY INFORMATION TO BE ABLE TO DO SUCH A THING. THESE ACCOUNTS ARE CAUSING A GREAT DEED OF STRESS ON MY CREDIT REPORT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THESE ACCOUNTS REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.
Product: Credit card or prepaid card

Hello, I applied for a new discover card on XX/XX/XXXX in hopes of doing a balance transfer. I have notice of the promotion giving me until XX/XX/XXXX, to take advantage of the balance transfer. Once I created my account, I tried to initiate the balance transfer on XX/XX/XXXX. A discover representative told me that my offer had expired on XX/XX/XXXX and there was nothing they could do to honor the date I was originally provided. Discover provided me with false information and also gave me an unreasonable timeline for me to complete my balance transfer. In addition, between my account application date of XXXX, I was never notified via email that my balance transfer promotion was going to expire. Also, I was not able to complete an online account until I received my card in the mail. I did not receive my card until XX/XX/XXXX.
Product: Checking or savings account

US bank keeps allowing transactions to go through on my bank account while it is in the negative already, charging fee after fee when I do NOT have overdraft protection. They hold transactions and allow them to post after other transactions and this causes my account to go negative. I've got the exact amount set to go to that account to cover bills, with a little left over yet every month they've charged me overdraft fees. 

This started on XX/XX/2024 when I had {$65.00}, had a transaction for {$35.00} and then an error saying " available balance was XXXX due to hold or other adjustments '' And it just gets worse and worse each month. My account is currently XXXX because of them allowing overdraft plus charging fee after fee. 

I do not and have never approved or turned on overdraft protection.
Product: Checking or savings account

For over 40 years, my father Mr XXXX XXXX XXXX has been a loyal Bank of America customer. In recent years he added my sister XXXX and myself as signatories to his account. This is an account he has used mainly to deposit his lifetime savings, it's not an account with a large number of transactions. 

In XX/XX/2020 he found that all his savings had been withdrawn from the account without his knowledge. After contacting the banks fraud claims team and a lengthy investigation, the funds were reimbursed to his account. To prevent any possible future fraud taking place, additional measures were implemented ; his voice was needed to request any changes or give the bank any instructions. He Insisted in not having an ATM card, as he only manages the account with his checkbook. To his surprise, in XX/XX/2020 the account was emptied again. We have found that a card was issued on my name, delivered to an address in XXXX FL and then used in cash machines in XXXX. We never requested a card, have never provided an address in XXXX and have never had an ATM card for this account. 

After 6 months of continous emails we had received {$60.00} of the total of {$70000.00}. See the detailed of the withdrawals attached. 

I would really appreciate it if you could guide us to someone in the bank who could own the resolution of this case. As you can imagine, for an XXXX year old person, this situation creates levels of stress which are not healthy. 


PD : Attached is an XXXX sheet with all the withdrawals made from the account with the atm card that sum sometimes {$3.00} in just one day. 

Sincerely, XXXX XXXX