23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Mortgage Loan Number : XXXX I am demanding information described below in regard to the debt being collected on my property at XXXX XXXX XXXX XXXX in XXXX Ga. 
My last payment on the loan, according to their records, was on XX/XX/XXXX. In all their correspondence to me they describe the company as a debt collector collecting a debt. The Statute of limitations in the State of Georgia, where my property is located, is 4 years on collection of a debt. this collection of my debt has gone over the four year limit as of XX/XX/XXXX. Select Portfolio Servicing is in violation of the Statute of Limitations to collect a debt according to Georgia State SOL Laws. 

I demand that the foreclosure scheduled for XX/XX/XXXX on my Property at XXXX XXXX XXXX XXXX be postponed until they can prove they are not in violation of these Statute of limitation laws of Georgia. I request a detailed account of Select Portfolios reasoning that they are not in violation.
Product: Debt collection

I have a payday loan from XXXX and a collection agency recently re-aged the debt to XXXX and put it on my credit report and never contacted me to dispute it. In Nevada the statute of limitations for collecting the debt has already passed and the reporting will expire this year as well. I am VERY concerned that they were able to re-age this debt to appear newer! Isn't this a blatant violation of XXXX XXXX?? The collection agency is National Credit Adjusters.
Product: Credit reporting or other personal consumer reports

It is a late payment being reporting on my credit report from XXXX Account # XXXX I have never been late please update my payment history to paid on time immediately. I'm more them willing and ready to go to arbitration over this it will cost XXXX thousands of dollars in fees. 

Again please update my payment history to paid on time.
Product: Credit reporting or other personal consumer reports

I have been dealing with this issue for about XXXX  years now. I have by order of a non-jury trial. Finding in my favor that this case shall be dismissed without prejudice. i have filed complaints with credit bureau. Returning with after they investigated the issue that i am still responsible for this debt. This is negatively impacting my credit scores and my ability to qualify for a better mortgage. This debt is held with XXXX XXXX XXXX. My latest correspondence with this company was on XX/XX/year>. 

This information is on all of my credit reports. XXXX, XXXX and Experian.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate bankruptcy information that is still being reported on my credit reports by XXXX, Equifax, and XXXX. The incorrect information is as follows : Bankruptcy Filing Date : XX/XX/year> Bankruptcy Case Number : XXXX I have documentation from XXXX confirming that the bankruptcy information has been removed from their records, and I have also received a letter from the bankruptcy court stating that they do not report bankruptcies to credit bureaus. Despite submitting this information to the credit bureaus, they have failed to remove the inaccurate bankruptcy from my credit reports. 

This inaccurate information is negatively impacting my credit score and causing ongoing financial harm. I request that the CFPB investigate this matter and help facilitate the removal of the inaccurate bankruptcy from my credit reports with all three major bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company XXXX have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than 30 days very horrible customer service I have reached out to XXXX numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all XXXX XXXX XXXX  XXXX XXXXXXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX {$210.00} $ XX/XX/2022 XXXX XXXX XXXX {$160.00} $ XX/XX/2022 Acct # XXXX XXXX XXXX XXXX {$260.00} $ XX/XX/2022 Acct # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : 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: Vehicle loan or lease

Upon leasing this vehicle I was never notified that I didnt have to make a down payment. I was told a down payment was mandatory to better my chances at getting the vehicle, so I paid in cash/debit. However, I learned today that pursuant to TILA does not include charges of a type payable in a comparable cash transaction that was false information given to me during that transaction. In addition, they repossessed a vehicle and failed to comply with regulations by notifying me of my right to rescind. This corporation did not notify me of my right to rescind they only told me I had to pay or surrender the vehicle. I have just became aware of my rights to rescind today XXXX, XX/XX/2022 & there is no statue of limitations on fraud. They never delivered such forms upon repossession. Now, even after the vehicle is repossessed and my rights withheld from me there is a third party collector consistently writing me to settle the debt with them for a total that is not 25 % of what the vehicle was worth. I did not sign a contract with this third party collector and I did not give them permission to have access to my information and they have no permissible purpose by law to contact their parties with my personal information. This is identity theft ( 18usc1028a ) They are subject to civil liability as well as deleting the derogatory item off my report immediately. Ive written them a letter today and sent it in the mail certified to notify them that I am aware of their failure to comply with these regulations which resulted in these multiple violations and demanded immediate action.
Product: Debt collection

I did not recognize Financial Data Systems ( FDS ), XXXX XXXX, NC, a company whose emailed message XX/XX/2023 indicated their intention and purpose as a debt collector, and the email an attempt to collect a debt : A representative informed me the debt had been referred to them from XXXX XXXX XXXX XXXX ( XXXX  ), from whom I had not previously received direct services nor a bill. I had received emergent care services through XXXX XXXX XXXX in XXXX ; however the date of service indicated electronically by FDS on their website ( in their solicitation for payment of a debt linked via the email ) did not correspond with the date on which I received services. Not being certain what the debt was, but wishing to avoid being penalized for non-payment, I submitted an agreed-upon, one-time VISA payment of {$25.00} to XXXX, despite having made payment arrangements with XXXX XXXX ( the only provider from whom I've received emergent healthcare services ) via XXXX XXXX XXXX to address an outstanding debt by making {$25.00} monthly payments. Additionally, I contacted XXXX XXXX XXXX XXXX at ( XXXX ) XXXX and verified there is no current debt linked to my identification : I double-checked this record for full accuracy at XXXX & XXXX ( reference # XXXX ) and found no associated debt to XXXX in my name, XXXX XXXX XXXX collection unsupported.
Product: Credit card

I'm freaking out here! Take a look at the attached documents. I'm practically begging the bureau to kickstart an investigation into these accounts. I've NEVER been late on them, yet they keep saying I am. This is so frustrating!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 my account without written instructions. 


Transunion was called and failed to investigate my accounts on XX/XX/2022 due to they needed to verify my identity. Proof of my drivers license and proof of bill was sent with my dispute and prior to that dispute they still ignored my disputes. please have them investigate and remove. 
XXXX Also failed to comply with the FCRA as well and did not respond to my dispute nor send me verifications of proof of accounts. 
XXXX has failed me as well all of these bureaus has violated my rights multiple times and I would like these accounts updated immediately as I have proof as well.
Product: Credit reporting or other personal consumer reports

I want to make it abundantly clear that I have never, at any point, granted you permission to access my credit profile. Furthermore, you possess no legal grounds for contacting third parties with my personal information. Your actions in obtaining my consumer report on XX/XX/XXXX, without a permissible purpose, stand in flagrant violation of the Fair Credit Reporting Act ( " FCRA '' ), as explicitly codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Case law, such as Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ), reaffirms the gravity of such transgressions. 

Let me be absolutely clearI have not engaged in any transaction with Bethpage Fed CR Union. Furthermore, I do not maintain an " account, '' as defined under 15 U.S.C. 1693a ( 2 ), with Bethpage for any conceivable review or collection. It is paramount that you understand the severity of your actions, as they amount to Aggravated Identity Theft under 18 U.S.C. 1028A. Knowingly transferring, possessing, or utilizing my means of identification without lawful authority is a felony, punishable by up to 2 years of imprisonment, in addition to civil liability.

Per 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. Your transgressions have left me no choice but to assert my rights under the FCRA, [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ]. You unlawfully obtained my XXXX consumer report on XX/XX/XXXX, without my authorization or a permissible purpose under 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ) and its associated guidelines for permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts, late closed and charge off account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction or removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution for a correction or a deletion : Kindly correct or remove these accounts : 1. XXXX XXXX XXXX Balance : {$470.00} - Please checked the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

2. XXXX XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

3. XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

4. XXXX XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Bank account or service

On XXXX XXXX, 2015, I opened up a Citigold checking account by applying a promotion code XXXX. With that code, XXXX Thank you points would be credited to my account within 90 days after I complete all requirements within 60 days after account opening. Before I submitted the application online, I called Citi customer service and one representative confirmed that I would get the bonus if I used that code for account opening and pay XXXX bill for two consecutive months with 60 days. I have done much more than enough to fulfill the requirements. I contacted Citi customer service 90 days after I completed all the requirements ; however, I was told that I was not targeted and I could not get the bonus. Furthermore, Citi charged me $ XXXX monthly fees each month. I deeply feel that I was mislead during account opening and I have wasted six months waiting.
Product: Debt collection

The debt was for the amount that XXXX XXXX XXXX XXXX XXXX looked for reimbursement due to an accident involved their insured client. However, XXXX XXXX XXXX XXXX XXXX employee was able to contact me earlier. I gave them my automobile insurance claim number. The debt was paid off after XXXX XXXX XXXX XXXX XXXX employee contacted my automobile insurance company. I confirmed with my automobile insurance company claim adjuster that the full amount of this debt was paid. NCB Management Services Incorporated says they represent XXXX XXXX XXXX XXXX XXXX and its insured, who was involved in the accident and keeps contacting me about the debt that was already paid off.
Product: Credit card or prepaid card

On XX/XX/22 I applied for a personal line of credit through Upgrade for XXXX. I was discriminated against by Upgrade as they sent me an adverse letter. I have included a copy of that letter in this complaint. The Equal Opportunity Credit Act 15 USC 1691 states that it is unlawful to deny me credit when I came in good faith and exercised my right by completing the application. 15 USC 1602 ( f ) states The term credit is my right and that I can not be denied a right. There are also violations that were committed which I have attached in the letter that I am submitting with this complaint.
Product: Credit card or prepaid card

I recently had to get a new card series with AMerican Express due to unauthorized transactions on a previous card and exhausting the series of card numbers. 

I had to do a new card application and everything and recently got my card in XXXX. I noticed that I was charged a {$95.00} annual fee ( this is a blue cash preferred card ), even though I already paid this annual fee on the old card back in XXXX of 2022 on the old card. 

Please wiave this annual fee. I shouldn't be charged twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is in violation for allowing these " person ( s ) '' to furnish inaccurate nonpublic information on my credit report in which, the furnisher ( s ) of information are in violations of " 15USC 1681 ( b ) '' - " 15USC 1681a ( 2 ) ( a ) ( i ) '' - " USC 6802 Section ( b ) '' by having no written authorization from me or permissible purpose to contact any " third party '' or " credit reporting agency '' with my nonpublic personal information along with furnishing information that is excluded from my consumer report. The accounts reported are inaccurate and incomplete in which they must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) placed {$4200.00} in collections without notifying me about the debt, attempting to take the debt from my bank account, etc. I learned about it because my XXXX  credit card closed due to a " serious delinquency ''. My Transunion credit report shows that my XXXX account is in collections. My credit score has fallen more than 100 points because of this error.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX  credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX Balance : {$15.00} XXXX  XXXX XXXX Balance:XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXXXXXX XXXX Balance:XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BalanceXXXX
Product: Checking or savings account

My wallet was stolen from my local XXXX  on XX/XX/XXXX, in my wallet was my license, SS Card, a XXXXXXXX XXXX  XXXX XXXX credit card and both a BofA credit and debit card. On XX/XX/XXXX I called BofA to notify them that my wallet was stolen and the cards needed to be locked and they never were, multiple unauthorized transactions took place on those cards. I called BofA to dispute the transactions on both the credit and debit card. I also had to dispute transactions on my XXXXXXXX XXXX XXXX  XXXX card. The claim on my BofA credit card and the claims against my XXXXXXXX XXXX XXXXXXXX XXXX credit card have both been paid in full. However, BofA refuses to pay a dime and I am out {$3400.00}!! The transactions on all 3 cards take place AT THE SAME TIME, from the SAME EMAIL ADDRESSES, made from THE SAME PHONE, and HAVE MY CONTACT INFORMATION INCORRECT ON ALL PURCHASE ORDERS. Yet, BofA has denied my debit card claim twice!! I have contacted XXXX XXXX, XXXX XXXX, FDIC and the Federal Reserve. I will continue to carry this for as long and as high up as it takes to get my checking account rectified and my money back. BofA should have locked my cards when I first called them and this never would have happened. The blame is on BofA!!! 

***Under a 19/8 federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. The Consumer Financial Protection Bureau issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission were the bank 's liability.

This financial institution is not providing sufficient explanation and reasonable cause for their decisions, leaving me victimized by Identity theft.
Product: Vehicle loan or lease

My lease completed in XXXX. LEASE WAS PAID IN FULL. My wife returned the car and received a remaining lease obligation quote after inspection and it stated the amount owed was {$0.00}. I got a call 2 months later saying I owed {$430.00} ( approximately one month of my lease ) for just returning my car. Confused, I argued with the person on the phone. She was nasty, unhelpful and abusive with threats. in previous lease returns, I've never been charged for simply dropping off my car especially when I asked the person who inspected it if there were any charges and they said " NO, you're all good. '' Since we decided against getting another XXXX, we didn't lease a new car from them. That is when apparently they decided to charge me this nonsense fee. After the conversation, our world took a turn for the worst. We own a XXXX  and our industry was shut down by our governor for COVID restrictions. I completely forgot about this and never received another bill or notice from them EVER for this ridiculous fee. I went to try to buy a house recently and it showed 1 miss payment on my credit score which dropped it 170 points and is currently hurting my chances of buying a home. It is CRIMINAL that these big companies 1 ) can charge nonsense fees at the end of the lease and 2 ) can disrupt someones life for {$430.00} when I just got done 3 years of lease payments with them without missing a payment. The credit report showed it as " missed payment '' which is nonsense. I called the company and paid it immediately and asked why I didn't receive notice that they would hurt my credit. They had no answer but only to say " You asked us not to call you any more so we didn't. '' THAT IS CRIMINAL. I explained the situation and paid immediately and asked them to contact the credit agency and fix the issue. They refused and simply said it would just show up as paid in 45 days. That is absolutely ridiculous in normal times, but in this Pandemic that has destroyed my business and a good part of my life, it is EGREGIOUS and CRIMINAL They refused to work with me or even discuss the charge when they first called me about it. They were ignorant and nasty. If everyone else has to bend during these times, why can't a financial institution like GM Financial who cealrly hasn't been hurt like XXXX XXXXt XXXX. Its CRIMINAL.