23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Twenty two years ago when I was XXXX years old I signed a Retail Installment Contract with XXXX XXXX XXXX to finance a gym membership with XXXX XXXX XXXX in the amount of {$1000.00}. Four years later my wife was served at our home at XXXX XXXX XXXX XXXX GA XXXX with Civil Action XXXX in regards to this unpaid contract. A judgement in this matter was filed on XXXX XXXX, XXXX and my wages were subsequently garnished until the judgment was satisfied in full. Please see the attached documentation showing the garnishment on this matter was satisfied in full on XXXX XXXX, XXXX. I never heard anything further regarding this matter. We were never informed of any liens on our property pertaining to this matter. 

On XXXX XXXX, XXXX I received a letter from Fredrick J Hanna and Associates in regards to a judgment in the matter of XXXX v. XXXX XXXX in the amount of {$770.00}. On XXXX XXXX, XXXX I called and spoke to XXXX XXXX with this firm and discovered that this was the XXXX judgment. I informed him that this judgement has been satisfied twenty years ago when my wages were garnished. I also requested Validation of the Debt and followed up this call with a letter ( see attached ). I never heard anything back from this firm nor received any Debt Validation. 

XXXX XXXX, XXXX I sold my property at XXXX XXXX XXXX and a law firm handled the paperwork pertaining to that transaction. Subsequent to the sale of my property I was contacted by the law firm because they had been contacted by XXXX XXXX XXXX regarding an unpaid lien on my property in the amount of {$820.00}. After researching this matter I have discovered that it is in fact in regards to the debt that was collected by Fredrick J Hanna and Associates back in XXXX. After the satisfaction of the debt by garnishing my wages they subsequently filed not XXXX but XXXX liens against my property. XXXX in XXXX and XXXX in XXXX, XXXX on a debt that had been fully satisfied back in XXXX by my wage garnishment. The firm who handled my closing unfortunately paid them the money and are now trying to recollect it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report stilll show inaccurate comments in Disputes On inaccurate accounts on credit report. 
they where not investigated. This is grounds for removal they also violated my rights under This Correct information Listed below should only be on my credit Reports Correct Name XXXX XXXX XXXX Correct Date of Birth XX/XX/1979 Correct Address XXXX XXXX XXXX Michigan XXXX Correct Social Securit ; y number # XXXX Correct Phone # ( XXXX ) XXXX Correct Email Address XXXX XXXX
Product: Vehicle loan or lease

The car I had with Westlake engine start to knock and repair was out of control. the car was still drivable when the picked up however I have not received the proper bill showing the car was sold and the amount taking off final bill. I have made multiple request with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my XXXXredit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.

As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to  give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Product: Credit card or prepaid card

Marcus by Goldman Sachs purchased the credit card receivables of XXXX  XXXX and told us all, 'to be patient while we transition over millions of customers from XXXX  XXXX to Goldman Sachs ''. I received an email from XXXX by GS that I had an upcoming payment and like every month I instructed my bank to pay the full amount. 

A few days later on XXXX XXXX I get a further notification from XXXX by GS that my account was now blocked because I had not made a payment and there was an approximate {$35.00} interest charge and a {$29.00} late fee. It turns out that in the transition as frequently happens it did not go smoothly. I called, pointed our their deficiencies, helped them get my bank account properly connected and then made a full payment of approx. {$2800.00}. I asked that they remove the late fee and interest charge. They agreed to remove the interest charge but not the late fee but they lied about removing the interest charge. It is still on my XXXX, XXXX  bill. They escalated my request and said it would take a week. Today I called them again and they had nothing to tell me. I said I would file a complaint with the CFPB because they are abusing their economic market power with many retail customers who might not realise that leaving a 'late fee ' flag on their account will give XXXX by GS the opportunity to charge them a higher rate of interest on their balances.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$1800.00} XXXX  XXXX XXXX {$1900.00} XXXX  - XXXX {$150.00} XXXX XXXX - XXXX {$1900.00} XXXX  XXXX XXXX - XXXX {$0.00} XXXX  XXXX XXXX  XXXX - XXXX {$1400.00} XXXX - XXXX {$0.00} XXXX  - XXXX {$180000.00} XXXX XXXX XXXX {$0.00} INQUIRY XXXX XXXX/22XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Equifax a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any  or one, I would  like it removed immediately. Equifax has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit report I sent a dispute letter to XXXX, XXXX  and Equifax on the inconsistent accounts and inaccurate information account XXXX XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX  XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX XXXX XXXX XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account USDOE/XXXX XXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.
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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Debt Buyer {$10000.00} Balance as of XX/XX/2023
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$45000.00} which I did not make. I have filed this police report where I stated that I lost my bag with my cards & IDs inside, they advised me to submit a dispute to prevent fraud from happening again.
Product: Debt collection

Original creditor was XXXX continental finance company. Debt was then sold and the debt to XXXX XXXX XXXX Never did I receive a debt validation letter via certified mail. Im requesting to see proof of certified debt validation letter if they can not produce it I am requesting this debt be deleted because its effecting my ability to establish credit
Product: Credit card or prepaid card

In XXXX, 2020 I noticed the payment I made to Capital One Credit did not clear my bank. I was not charged any return fees at my bank so I do not know what caused this. I immediately called Capital One Credit. I explained this to an agent of Capital One, and voiced to them I wanted to pay by my debit card to make sure the payment was made, so my credit report would not be effected. The agent then told me to not be concerned, because of the covid-19 situation it would not reflect badly on my credit report, she said she could not access all information on my account, but would put a note in my account that I called. I again tried to pay a payment however she convinced me to not make one, saying that I could pay it next month. 
XXXX I made a payment for XXXX and XXXX payment. 
I looked at my credit report and Capital One Credit had reported me being 30 past due. This caused my credit score to fall XXXX points! I filled a complaint through XXXX XXXX to dispute the derogatory mark. About 30-40 days later it showed that this mark was acknowledged by creditor but not cleared. 
I have called Capital One Credit every month trying to clear this and everyone I have talked to ( supervisors, managers ) have told me they can do nothing, that I can only dispute this through a reporting agency. 
I feel this is unfair and underhanded to tell someone that It will not be reported as a bad mark and then turn around and do that very thing, especially with me trying my best to pay the payment at that time. 
I am in the process of refinancing my mortgage and am having difficulty due to this one discrepancy one my credit report. I have not been late on any other payments on this account. I am being penalized for something not of my doing.
Product: Credit card

BBVA Compass is scamming customers. 
When a customer pays their credit card bill at the BBVA Compass website, here is what happens : The funds are IMMEDIATELY withdrawn from the customer 's checking account. 
However, it takes 5 days to post to the credit card. 

I often transfer {$5000.00} from my checking account to my credit card balance ( on the BBVA Compass website ), and this happens everytime. 

Bottom line : they TAKE my money out of checking immediately, but withhold the payment to my credit card for 5 days. This is unfair to the consumer who now can not access the money from the checking account, but still does not have their balance cleared on the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. 

I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. 

This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.
Product: Student loan

My loans were forgiven in XXXX XXXX, with an effective date of XX/XX/XXXX. Mohela missed the fact that I was due a sizable refund. I had to call them and walk them through my loan payments to show them that I had made all of my payments since the XX/XX/XXXX effective date directly to Mohela. They finally agreed that yes, they could see all of my payments made after the XX/XX/XXXX effective data of which I am due a refund. Even though I made the payments electronically, Mohela stated I would be receiving a paper check for the refunds. I don't understand why the refund can't be electronic like the payments made were, but that's fine. I'm not arguing that point. My problem is that it has been about a month since Mohela called me and confirmed I was right and that they owe me a sizable refund. They even gave me a case number ( XXXX ). And yet, I have not received the refund, nor have I heard anything else from Mohela. This feels like insanity. How can a company operate in this way?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX, XXXX, XXXX, XXXX, T Employer : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXXXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX54 XXXX XXXX 737917 DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the EXPERIAN credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent innacurate and false information consists of fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Vehicle loan or lease

Credit Acceptance Corp account number XXXX, refuses to provide me a complete payment history of my auto account. They are furnishing inaccurate information to all 3 credit bureaus.
Product: Mortgage

M & T Bank placed a bankruptcy under my identity that is fraudulent on XX/XX/2022. 
This is fraudulent I did not file bankruptcy in XX/XX/2022 or any year prior. 
The payments I made to M & T Bank were not acknowledged by M & T Bank. 
M & T Bank placed foreclosure proceedings on my property located at XXXX XXXX XXXX in XXXX Texas XXXX Twice with a scheduled date on XX/XX/2022 and XXXX XXXX. 
The information M & T Bank submitted to multiple entities, concerning my mortgage is false and inaccurate. 
The payments I have made to M & T Bank prior to the foreclosure and bankruptcy submitting entities was not acknowledged.