23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I really don't have a clue how this charge got on my credit. I have been diligently trying to straighten my life back out after several years of identity theft. My report says that on XX/XX/2023 XXXX XXXX charged me {$1000.00} for something but I was impatient receiving medical attention for XXXX in XXXX Mississippi at that time. There are no XXXX XXXX 's in XXXX Mississippi. Someone has also opened up car insurance in my name and this has taken a heavy toll on me and I'm really just trying to be a productive citizen trying to help the economy grow just like everyone else. They don't even have the date this supposedly transpired on the credit report. Asking for you guys help to resolve this situation as quickly as possible. Thank you!
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent documentation regarding unknown and inaccurate accounts I found on my credit report. It's over 30 days now but I haven't received any response. I was a victim of an Equifax Data Breach. I demand to Deleted those accounts or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

" IDENTITY THEF '' Capital One, is on my credit report and I, never had a credit card from this institution. 
Dates : ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX, is on my credit report also and I, never filed for a loan/ Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Is on my credit report and i never used their bank. Date : XX/XX/XXXX XXXX XXXX ( FINANCE ) Date : XX/XX/XXXX All of this is on my credit report and I, don't know how.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX Discover card has violated my rights as a consumer and is in violation of multiple laws set forth by congress 15 U.S.

Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under in shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. 
Therefore I am asking that my credit report shows paid as agreed indefinitely
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 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

This company in their response still did not specify exactly who the vendor is they use to verify the public record on my credit profile. they refer to this vendor as " the public record vendor '', again for the fifth time, who is the public record vendor? they could be inaccurate in their reporting. If you can not provide the exact name of the vendor please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters asking to validate and remove false, non metro 2 compliant, misleading, also false information from account and it was never responded to remove.
Product: Debt collection

I have attached the documents that the Moore Law group sent to verify the debt. Once again more flat out lies on their behalf. I asked for an original copy of the signed contract between my self and XXXX. They didn't send anything of the like. Instead they lied and said they provided a copy of the application and signed contract. Please see attached documents. There was no application or contract provided. They also go on to say they will " We are a law firm and have a master agreement with the client, but we will not be producing that to you ''. Lastly, I asked for a line by line accounting of the original account. Their response was We will NOT be providing you with a line by line accounting of the original account. We have provided you with monthly statements that are currently available to us ''. if they in fact are a legitimate law firm they should have no problem providing me with a line by line account. 

I have listed 3 instances of FDCPA violations. The Moore Law group doesn't get to dictate what they will send or won't send to validate my debt. Furthermore, their statement of we provided the original contract is a flat out lie. There isn't anything they won't say or do to try and collect a debt. 

I found it very offensive that they sent me a debt collection letter in XXXX. Just because my name is XXXX doesn't mean I speak XXXX. 

I have escalated this matter to the Colorado Attorney general, any action by the Law Moore group should be postponed until the Colorado Attorney general concludes their findings.
Product: Debt collection

ARS keeps calling me. I spoke with a representative on XX/XX/XXXX, and advised HIM not to call. I received another phone call, they left a voicemail on XX/XX/XXXX. They texted me on XX/XX/XXXX and called me 1 time after I texted not to call, I spoke with a woman and advised her not to call. The woman also gave information to my sister, the person that answered the phone and called me a XXXX  and a little girl. She did say the phone call was recorded, so management can go back and listen to the call, however AFTER this incident 2 more calls came in from the company. I am not sure why they are harassing me. Unbeknownst to them I was in the office of a State official at the time, who also heard the call. 

XXXXSince I the last time I told them not XX/XX/XXXX to call and communicate through mail, I have received 13 calls the last one being received today from a XXXX, who stated that " they don't have to stop call until the debt is paid. I advised this is harrasment and was told, what are you gon na do put me in jail. '' This has to be illegal at this point and I will be filing a police report for harrassment and seeking damages via court. 

They also identified themselves as another company ... only after looking up their name via XXXX XXXX  with the phone number was I able to get the correct company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to XXXX XXXX XX/XX/XXXX, Chase credit card XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.
Product: Money transfer, virtual currency, or money service

I don't even know why they hold my paypal account for no reason, it's important to me what's in my paypal account that I still have money because that's for my children who still milk and have diapers .... we don't have anything to eat if I can't withdraw it It's been 3 days since I commuted to paypal, I give the necessary info but even if it's valid by rejecting, then later on i check my email that they hold my acc
Product: Mortgage

On XXXX I requested a Mortgage Payoff Statement from Flagstar Bank. 
I was on a telephone call with there customer service representative at the time and the report was emailed to me. I paid the final payoff amount of {$21000.00} from the statement with the representative over the phone via my checking account and was told I was all set. 

At the end of XXXX I started calling asking why I had not received any paperwork regarding my mortgage release as paid in full. I have since spent many days and hours on the phone with Flagstar Bank who has admitted to two internal errors but they never seem to be able to rectify them and tell me to be patient and promise they'll be corrected. 

This has escalated to collections calling me now and my repeated attempts to contact Flagstar Bank by email and phone are ignored. 

My year end statement for tax purposes will be incorrect and they are going to ruin my credit which has essentially been perfect leading up to this. This bank expects the customer to deal with their internal errors! 

Please help! Thank you.
Product: Debt collection

CAPITAL ONE BANK USA NA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$250.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Vehicle loan or lease

In 2021 my son and I got a vehicle from Acura XXXX XXXX, XXXX XXXX XXXX. 
when the contract was presented to me by my son XXXX, He expressed that they XXXX & Acura XXXX XXXX committed fraud & identity theft by transferring the my name from the co-signee to the principal, I am not a Principal nor a minor I am a Beneficiary of the investor XXXXXXXX XXXX XXXXXXXX, I gave no authority to do anything without my permission, they then electronically signed the contract and submitted it. turning it into a security and have failed to give me any acknowledgemen to their proceedings. They have also been reporting on my credit file which I gave them NO such authority to do such actions and such acts violate sec regulations /the Uniform Commercial Codes /the CFR /CRA/ and many consumer laws. they have also gave my private information to a third party non afilliate who came on private property and terified not just me but my XXXX XXXX XXXX mother and XXXX XXXX XXXX XXXX  daughter. XXXX never provided any arbitration 's nor provided any judicial warrant by a judge to collect the property. 
there has been payments made to XXXX and has been ignored/ost or refused. My son has been in contact with CFPB and XXXX has been harassing me by calling me after i have expressed to them not to call my phone to call my son XXXX. we have reached out to the SEC and also the state attorney general behind these matters.
Product: Mortgage

After paying off my mortgage, Wells Fargo Home Mortgage issued an escrow refund check in my name but sent it to the wrong address. I presented this problem in person to a banker at a Wells Fargo branch. It was suggested that I had something to do with the wrong address. It was suggested that I forgot that I used to live at this wrong address. Blaming the customer first is not acceptable. Wells wanted to know if I received the check. No I have not. I am only aware of the wrong address on the check because a PDF version of the check is available online. Astoundingly, the first question I was asked by Wells : Do I have a banking relationship with Wells Fargo? Yes, but maybe not for long.
Product: Debt collection

As a Federally protected consumer this alleged debt collector has violated my right to privacy as well as multiple adverse actions as listed in the attached documents. I request that the CFPB hold them accountable for their actions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, XXXX  XXXX Subject : Demand for Immediate Account Removal Due to FCRA Violation To Whom It May Concern, I am writing to formally demand the immediate removal of the following account from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Under FCRA Section 1681s-2 ( a ) ( 3 ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer.

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal.

I am demanding that you : 1. Immediately remove this account from all credit reporting agencies.

2. Provide written confirmation of the accounts deletion within 15 days.

Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees.

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report. 
You have 15 days to comply with this demand.
Product: Debt collection

My wife paid off debts to XXXX and Victoria 's Secret in XXXX of 2013. In spite of the payment of this debt, various debt collectors have continued to call and collect the same debts over the past several years. The most recent attempt was from phone number XXXX. The person on the phone stated they were going to press charges unless my wife paid. 

This is harrassment, and unless my wife 's information can be expunged from any and all records, I feel like these calls will never stop. 

Please help.
Product: Credit reporting or other personal consumer reports

Identity Theft : On XX/XX/2021 I discovered that an individual using my personal information, including my name, address, and Social Security number, fraudulently opened a timeshare account with XXXX XXXX XXXX XXXX without my authorization. 

Unauthorized Bank Account Connection : Furthermore, the individual responsible for this identity theft connected my bank account to the timeshare account for automatic payment. As a result, funds have been deducted from my bank account without my knowledge or authorization to cover expenses related to the unauthorized timeshare account. 

Notification to Authorities : Upon discovering this fraudulent activity, I immediately contacted my bank to report the unauthorized charges and initiated an investigation into the matter. Additionally, I have filed a police report with the XXXX POLICE DEPARTMENT ON XX/XX/2021 documenting the identity theft and unauthorized use of my personal information. 

Request for Investigation : I hereby request that the Federal Trade Commission ( FTC ) conduct a thorough investigation into this matter to determine the extent of the identity theft and take appropriate action against the individuals responsible. I also request that XXXX XXXX XXXX XXXX be notified of the fraudulent activity and instructed to cease all further transactions associated with the unauthorized timeshare account. 

Assistance with Resolution : Furthermore, I request assistance from the FTC in resolving any financial liabilities incurred because of this identity theft, including reimbursement for any funds unlawfully withdrawn from my bank account and the removal of any negative marks on my credit report associated with this fraudulent activity. This has affected my credit report and I have disputed this item with the three credit bureaus they are not helping please help cfpb I have enclosed copies of relevant documentation, including the police report, bank statements, and any other supporting evidence, to assist with your investigation. Please contact me at the above-listed contact information if additional information or clarification is needed. 

Thank you for your prompt attention to this matter. I trust that the FTC will take swift action to address this case of identity theft and protect my rights as a consumer. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I called several times requesting a copy of my payment history and was denied. First, I was told that they don't send out payment history. The next agent said he can't assist me, when I asked for a manager he told me call back to get one and hung up. The third agent said he doesn't handle my account and transferred. The fourth agent said that her system not letting her submit the request and transferred me to another agent. The agent came on the line told me to use my bank statement and hung up. This account is paid in full and there shouldn't be any reason why I can't receive a copy of the payment history. The customer service is rude and unprofessional. I even tried to call corporate and was routed to the call center.
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 consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out 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: Credit reporting, credit repair services, or other personal consumer reports

My student loan were reported to my credit without any consent or knowledge. Which reporter in my credit decreased. 

2019 8 student loans on my credit report. All 3 credit TransUnion, XXXX Ive since then been calling and get no help. As to why was my student loans reported to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 : 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 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

Sent XXXX XXXXXXXX XXXX, XXXX, Experian and XXXX a letter to have my account checked for audit and accuracy. XXXX  XXXX XXXX Never responded ..... Please permanently delete this credit card account from my file. per 15 U.S.C. 1681S-2 ( b ) ( 1 ) ( E ) ( iii ) The response time was only allowed 30 days they are way over that period. 15 U.S.C. 1681S-2 ( b ) ( 2 ) and FCRA 611 ( a ) 1