23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request for Deletion of Collection Account Dear Jefferson Capital Systems, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Bank account or service

Had a deposit come in for {$1800.00}. Bank says my acct was hacked and funds taken out. It was sent to fraud department and as of today 4 and a half months later I still have not been reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NOTIFIED OF A DATA BREACH FROM MY LIFE INSURANCE COMPANY AND I WANTED TO FREEZE MY CREDIT. I ATTEMPTED TO CALL EXPERIAN XX/XX/23 AT 3 DIFFERENT NUMBERS ALL THAT TOOK YOU TO THE SAME AUTOMATED MESSAGE THAT WOULD CUT IN AND OUT REPEATADLY BUT WOULD NEVER TRANSFER YOU TO AN AGENT. SO I GAVE UP ON TRYING TO GET THROUGH BY PHONE AND WENT TO THEIR WEBSITE ENTERED ALL MY INFORMATION AND THE LAST STEP TO COMPLETION WAS TO ESTABLISH A USER NAME, AFTER SUBMITTING ABOUT 10 USER NAMES, EVERY TIME I TRIED THEY WOULD BE REJECTED AS BEING USED BY ANOTHER PERSON ( HARD TO BELEIVE ) SO I COULD NEVER GET MY REQUEST SUBMITTED. SO I WENT BACK TO THE PHONE, SAME RUSULT. I ALSO CALLED XXXX XXXX AND XXXX THAT WERE FLAWLESS AN HAD MY REQUEST COMPLETED IN ABOUT 10 MINUTES. ALL I WANT IS PHONE NUMBER ANSWERED BY A PERSON ( NOT AN AUTOMATED SYSTEM ) SO I CAN GET MY CREDIT FROZEN. ANY ASSISTANCE WOULD BE GREATLY APPRECIATED. THANKS,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect items on my credit file several times asking for validation and verification, however the only response i 'm receiving is that it was verified. I responded with a certified letter requesting how was this incorrect information verified and to please send me the documents, the name and phone number of whom it was verified through. I even went to the courts whom stated they had no record of public record for me and that they do n't report to credit bureaus. Equifax is the only company reporting this on my file.
Product: Credit reporting or other personal consumer reports

Someone used my information to open accounts and some inquiries that I had no knowledge about XXXX XXXX XXXX  opened XXXX XXXX {$3000.00} XXXX XXXX opened XX/XX/year> {$2300.00} XXXX XXXX opened XX/XX/year> {$0.00} XXXX XXXX XXXX XXXX opened XX/XX/year> {$0.00} XXXX XXXX opened XXXX XXXX {$0.00} XXXX XXXX bank opened XXXX XXXX {$0.00} XXXX XXXX XXXX  opened XXXX XXXX {$0.00} XXXX XXXX XXXX opened XX/XX/year> {$12.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX via dealer XX/XX/year> XXXX  XXXX via dealer XX/XX/year> XXXX  XXXX via dealer XX/XX/year> XXXX  XXXX via dealer XX/XX/year> XXXX  XXXX via dealer XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX {$43000.00}
Product: Mortgage

Please be advise that Bank of America violate the dual tracking laws, after our home had been considered for a loan modification agreement, bank of America was wrongfully pushing us to foreclosure 's sales, also simultaneously transferred our mortgage/loan to XXXX XXXX XXXX and then to XXXXXXXX in order to eliminate their name from the problems and unlawful act.that ant. Please note that under above mortgage transaction, our home was sold back to to XXXX XXXX XXXX XXXX XXXX by XXXX foreclosure and trustee Sale # XXXX / property address at XXXX XXXX XXXX XXXX, CA XXXX. 
On XX/XX/XXXX, we had no choice and forced to move out from our only existing premises that we spent all of our retirement and life investment. Regarding to our communication result with CFPB dated XX/XX/XXXX, Bank of America is so big and strong with their strong law firm that usually homeowners such of us become homeless regardless of our right. We did not receive any remedy yet, at this elderly ages with a few on going XXXX XXXX under a doctor 's care. We lost our home because of unfair business dealings by the bank of America. 
My wife and I are carrying a lawsuit against Bank of America for above illegal mortgage practices of dual tracking, and Homeowner Bill of Right. 
Although we can no longer take our home back, but we are willing for a fair settlement offer by the bank of America to recover some of our losses. 
We would certainly appreciate the assistance of CFPB corresponding to above and look forward to hearing from you.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Checking my credit something popped up XX/XX/XXXX for XXXX XXXX I have never applied or have a card through these people it look like its been open since XX/XX/XXXX or XX/XX/XXXX but just now popping up on my credit I called XXXX XXXX they said my ssn is not attached to anything but its showing up on my credit the amount they got approved for is XXXX XXXX
Product: Mortgage

I was pre-approval for a conventional loan. Turned in all the documents I needed for the loan. 2weeks before closing. I received a phone call saying bank of Oklahoma could not move forward on my loan. I am a first time home buyer and was very stressed. I told the lender, I am driving and would have to talk later. She then sent me a email that said my debit to credit ratio was a issue. I ask why is this just now a issue 2weeks before I close on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my MIB report from the company XXXX XXXX XXXX XXXX report date XXXX XXXX 2017 states that I have a XXXX XXXX. This report is wrong I have never had this medical condition.. Please remove this false statement from my MIB report. 
Thank you MIB Ref # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors XXXX  Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX Account number XXXX Amount {$1000.00} XXXX XXXX XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX, Account number XXXX Amount {$240.00} XXXX, XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX, Account number XXXX XXXX, Amount {$240.00} XXXX XXXX XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX Account number XXXX XXXX, Amount {$1000.00} These accounts are reporting on XXXX, XXXX, and TransUnion These creditors have violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604A section 2 also states that the consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose Thanks in advance for your he
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 US Code 1692 ( a ), there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. These practices by Equifax have been detrimental to my life. I have lost out on job opportunities. This has caused lost wages for me. This has caused physical stress on my body, having to work harder physically in order to maintain financial matters. This has caused mental anguish for me, especially during the times of my parents passing. Lacking the funds to properly burry my parents has been the absolute worst, and their inaccurate and unfair reporting has contributed to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collection agency Midland Funding. Has has a negative collection account on my credit report for a few years that has a negative impact on my credit score and the account has been disputed several times on XXXX, XXXX, XXXX but it came back verified each time and the balance history is completely incorrect so it should have been removed long ago. Ill include the balance history which goes up $ XXXX each month and it increased almost {$400.00} in XXXX. 
Below is the name of this collection agency, account number, inaccuracies. Again this was verified by all 3 credit bureaus & Midland Funding several times so it should be automatically removed from my XXXX, XXXX XXXX XXXX XXXX credit reports immediately. Thank you for your help in this matter I hope its now taken care of. 
MIDLAND FUNDING Date opened XX/XX/XXXX XXXX $ XXXX stated {$1800.00} on my credit report. 
Account numberXXXX Account type XXXX XXXX Date XXXX Status- Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1800.00} Highest balance {$1800.00} Balance History Balance history- inaccurate XX/XX/XXXX, XX/XX/XXXX, XXXX added almost {$400.00} to balance, XX/XX/XXXX, & XX/XX/XXXX All inaccurate dates and information. 

XX/XX/XXXX {$1800.00} XXXX XXXX {$1800.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, FL has been sending me Parking Charge notices seeking payment for parking I already paid at time of services at their XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX to XXXXXXXX XXXX. I reached out to this vendor immediately upon receipt of first notice, but was only allowed to contact them by email ; they do not provide a phone number so you can't talk to anyone at all. By email I submitted my bank statement showing that I paid for not only this car, but my oldest daughter 's car that was parked with me in the XXXX XXXX XXXX known as XXXX XXXX XXXX for the same time duration that day as we were visiting my youngest daughter at her apartment. I provided copies of both payment transactions from my bank as I paid by credit card at the parking kiosk on site for both my car and my daughter 's car. They emailed me back and said they refused to accept my proof of payment from my bank. I did my research on this company... Please see what the XXXX XXXX XXXX complaints has to say about XXXX XXXX XXXX of XXXX XXXX. They have been scamming people claiming they did not receive payment when indeed they have. A class-action lawsuit claims XXXX XXXX XXXX  is violating state and local laws. I will not pay for parking I already paid for. They wanted {$78.00} initially ... now that they are using Oxygen XL collecting agency to collect so it is up to {$83.00} for which I refuse to pay because, again, I paid for my parking at time of my parking space occupancy on XXXX. As a consumer I want everyone to be protected from scammers like 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 - Account # XXXX, has violated my rights. 

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: Debt collection

Recived a notice from XXXX XXXX XXXX XXXX ON THE BEHALF OF Portfolio Recovery Associates about an old debt for a balance of {$520.00} It has brought a lawsuit against me to collect on this debt. IT is an notice of intent to file legal action in XXXX County District Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on Equifax from XXXX XXXX   that was paid on XX/XX/2017. XXXX XXXX stated they sent over a letter of expungment that the account was paid and should be removed. I have contacted XXXX XXXX multiple times but it is still showing on Equifax. I disputed on Equifax online still on my report.
Product: Debt collection

This account was over fraudulently without my knowledge and my consent Spring Oaks Capital LLC in the amount of {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed investigation for collection account on my XXXX report for Arbor Professional Solutions. The collection agency failed to respond within 30 days of me requesting validation of the debt. I requested name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, and all notices required by law. The collection agency failed to furnish this information. XXXX failed to remove this information from my credit report when I requested and provided proof the collection agency failed to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ITEMS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Inaccurate Name : XXXX XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

The customer relations staff at this company continue to IGNORE our problem and concerns. The keep supplying the same answer despite at least 7 times being told that this is not information that is made available to us as credit union members. They can now answer to this legally in a court of law as this is in the Oregon Justice Department and we are seeking legal counsel since they have been unwilling to do anything except patronize us. I hope in the future for the sake of other customers that they hire some people who actually are able to understand and resolve issues. We are not going to stand for being accused of fraud for paying our credit card payments from our own bank account.
Product: Vehicle loan or lease

I am filing this complaint regarding an auto loan account with Account name EXETER FINANCE LLC Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$11.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$13000.00} Highest balance - Terms 74 Months On record until XX/XX/XXXX that has been charged off. The issue pertains to the reporting of this charged-off account on my credit report. Also, *** never received the XXXX form, as required by the **** According to IRS regulations XXXX specifically IRS Publication 525, a charge-off is considered income. When a debt is canceled or forgiven, the amount is generally considered taxable income to the debtor. Since this charged-off debt is considered income, it should not be reported as a delinquent account on my credit report.Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate information on consumers ' credit reports. Reporting a charged-off account as a delinquent debt, when it is legally considered income, violates this requirement for accuracy. **Steps Taken : **I have already sent a removal letter to Exeter Finance and to XXXX, requesting the removal of this charged-off account from my credit report. However, no action has been taken to date. They are report inaccurate information to the credit bureau constantly address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never been associated with this address nor live hear I have a file police report on document to provide I never lived at this address. This account is over statute limitation law to be remove in seven years Im asking for an early deletion of this account. This company never solved my issues. This car was purchased wayyy over the blue book values. Lemon law
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that my gap insurance was going to pay the balance and I explained that to the bank. I was unaware that the bank kept charging the account day by day. Once I noticed it was around XXXX and I wasnt Able to do much but pay off the balance. It is effecting my credit in the wya it is hard for me to get another vehicle. I would like for something to be done for the reason being I was in the thought of my gap insurance paying that balance off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with XXXX, and on XX/XX/2018, I ordered my three credit reports and scores. We called Equifax on XX/XX/XXXX to inform them my credit report dated XX/XX/18 indicated that I had a score of XXXX. I spoke to a customer service representative who promised to give me my score once I paid the {$7.00} fee. After erroneously having my debit car charged twice, he informed me that I would receive my score in 10-15 business days. I then asked for a supervisor who essentially confirmed to me that a score of a XXXX was correct and Equifax was unable to calculate my current, accurate credit score. After being placed on hold several times, the supervisor promised that she would call me back with a solution and correct credit score. She even promised to email me, and gave me a confirmation number of XXXX. I was NEVER called or emailed. I still do not have a Equifax credit score. 

Finally, it is very disturbing that all three credit boroughs do not accurately reflect the number of my open accounts. I have only four open accounts ; two XXXX XXXX revolving accounts, a XXXX Auto Loan, and my current education loan through XXXX.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE INCORRECT AND REPORTING FRAUDULENTLY DUE TO IDENTITY THEFT! I HAVE FILED SEVERAL COMPLAINT 'S WITH XXXX, CFPB, POLICE DEPARTMENT, AND ID THEFT REPORT. PLEASE DELETE THIS ACCOUNT ASAP!!!!! THANKS JEFFERSON CAPITAL {$1100.00}, AND XXXX XXXX {$1600.00}! PLEASE DELETE THESE FRAUDULENT ACCOUNTS. THANKS
Product: Student loan

Attempted to refinance my daughter 's XXXX school loans ( which I co-signed for ) with Earnest into one loan to make it clearer & easier for her to pay back. Same total amount, similar interest rates, same payment amount. I am on XXXX due to XXXX caused by military service and 100 % of my income comes from the gov't ( VA and XXXX ). They went back a number of years somehow and pulled the lowest credit score they could find of XXXX from XX/XX/2022 ( which happened to be the month following a 2-week long XXXX vacation I took my XXXX kids on and I immediately paid off that following month ) and claimed they were concerned my score was too low and that I wouldn't be able to make payments if I got sick, injured, or became unemployed- which isn't even applicable to me. I believe this was willful discrimination because I am a XXXX veteran on public assistance.