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

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3400.00} XXXX  XXXX # XXXXXXXX XXXX {$8300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3300.00}
Product: Credit reporting

they are reporting that I was over 60 days late, I have never missed a payment on my credit card
Product: Vehicle loan or lease

Capital One Auto Finance Wrongfully Repossession not disputed and returned Deferred payments offered then not made as active.COVID 19 loss of work. 

Second repo and sale Had paid 76 % of loan Truck had a positive equity of over half what was owed. 

Never credited back positive equity Claimed I still owed everything after sale. 

Ruined my credit. with no way to support my family. 

Tow driver breach of peace
Product: Debt collection

1.- On XX/XX/2018 received at my address letters from Pressler, Felt & Warshow L.L.P . debt collectors for XXXX XXXX XXXX. indicating that judgments ( 2 ) had been entered in Superior Court of XXXX XXXX : Law Division XXXX Special Civil Part ( Docket Numbers XXXX and XXXX.

2.- I am not XXXX XXXX XXXX , but XXXX XXXX XXXX   3.- Their letter indicates they are trying to collect amounts dated the year XX/XX/2003. They represent XXXX XXXX purchaser of these debts from XXXX and XXXX ( XXXX XXXX ).

4.- I have never had any dealings with either XXXX or XXXX.

5.- I have never received any notice of any debt from these companies or from any entity until the letters indicated in number 1 above.

6.- Further, during the year in question ( XX/XX/2003 ) I was not resident of the state of XXXX XXXX .

7.- I have requested from the debt collectors copies of all pertinent documents related to this matter i.e. credit applications, date of purchases, payment history and any and all correspondence to me, legal or otherwise.

8.- Seems that PRESSLER, FELT and WARSHOW are trying to collect amounts based on incorrect information, but targeting my address and name even though they have a middle initial that does not correspond with mine.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX received a garnishment levy order to withhold {$16000.00}. ordered by Persolve LLC.they sid that the original debt was {$10000.00} plus {$6400.00} for interst.they took that money from My checking account. 
When I got the papers from XXXX and Sherif department after the took the money I started to investigate why. XXXX said that they serve me on 2013 but I never got serv at all. When I mention that they said that everyone says that. that never show on my credit report at all. The other thing is that on my checking account was federal money there from the stimulus check and my husband 's social security pension payments too. I explain that to them but they do not listen to me that's why I summiting this complaint. I want to know when and who said that he or she serves me in 2013 what time and what address because by that time I moved after I lost my house. I like to know why they took so long to show up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 16881 section 602 A. States a 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 XXXX  XXXX XXXX XXXX Account XXXX XXXX Office of the Attorney General XXXX Texas current balance : {$91000.00} XXXX  Child Support : {$91000.00} XXXX XXXX XXXX CURRENT BALANCE : {$1200.00} XXXX CURRENT BALANCE : {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 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. 

XXXX  /XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan about two years ago and paid {$800.00} a month I've paid the loan twice and it's all interest I still owe over the amount I borrowed even after two years I'm not in a financial position to pay {$800.00} a month anymore so I've been paying half and it's doing nothing but going to interest I owe almost {$2000.00} more than what I borrowed two years ago I feel like I was misled completely
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding several accounts that are inaccurately reported on my credit report. These include XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX XXXX ( Account XXXX ), XXXX XXXX ( Account XXXX ), XXXX ( Account XXXX ), and XXXX ( Account XXXX ). I initially disputed these items with TransUnion via certified mail on XX/XX/2024, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. However, TransUnion failed to respond to my dispute within the 30-day period required under FCRA Section 611 ( a ), which mandates a timely investigation and response to consumer disputes. Additionally, I have directly disputed these accounts with the companies in question, but I either received no response or was asked for more personal information, which I have a legal right not to provide under the FCRAs protections against identity theft and fraud. I refuse to give them further personal details because it risks the integrity of my dispute and raises serious concerns about potential fraudulent activity. These companies are legally obligated under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, to accurately report only verifiable information. I believe these demands for additional personal information are an attempt to undermine my dispute, in violation of my rights. I have not received verification or adequate documentation to support the continued reporting of these accounts, as required under FCRA Section 623 ( a ) ( 1 ) ( B ). I am requesting immediate corrective action and removal of these items from my credit report due to their unverifiable, inaccurate, or outdated nature. Failure to comply with these federal and state consumer protection laws is a violation of my rights and constitutes negligence by both the credit reporting agency and the creditors involved.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$38000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$47000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and

Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind.

Remove these items that are erroneous in my file for
they do not belong there : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company keeps reporting after there was closed account and agreement to remove from history.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

My name is XXXX XXXX, I am a XXXX program participant ( XXXX XXXX with XXXX XXXX XXXX ) and previously resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ) until XX/XX/XXXX. I currently reside in XXXX, XXXX I only just learned today that a collection agency ( Fair Collections & O ) submitted derogatory information about an alleged debt owed ( {$1300.00} ) in XXXX of this year. At no time did this collection company or its employer ( XXXX XXXX XXXX ) make a reasonable good faith effort to contact me directly, either by by email mail or telephone to inform me that my resident ledger had a balance owed. 
At the time of my departure I did not owe any monies to XXXX and it remained in possession my rental deposit. During the month of XX/XX/XXXX I provided XXXX XXXX XXXX XXXX XXXX with my updated contact information when exchanging emails that focused on scheduling and finalizing a day/time for a moving company to transport my few remaining belongings to XXXX ( I was not present in XXXX when this move occurred. ) Interestingly, the last email that I sent XXXX requesting information about returning my keys to their property went unanswered. Fair Collection & O AND their employer XXXX  were at all times in possession of my recently updated contact information and neither company made a reasonable attempt to satisfy their due diligence prior to submitting false derogatory information about their claims of money owed. Subsequently, as a direct result of this companys actions, which are in direct violation of The Fair Debt Collection Practices Act, my credit score at two major credit bureaus had decreased XXXX and XXXX points. Where are my consumer protections please?
Product: Mortgage

In XXXX XXXX my Mortgage was transfered to a new company Nationstar Mortgage account # XXXX the terms of my original Mortgage agreement signed XXXX/XXXX/XXXX states payment are due on the XXXX of every month but I have till the XXXX of ever Month to make payment. 

Today XXXX/XXXX/XXXX I arrived at work to an excitable co-work who explained Nationstar had called about my Payment. being Late and leaving a call back number and code ( XXXX ) XXXX code # XXXX. Why am I getting an embarrassing call at work about a Mortgage payment that is n't late till XXXX XXXX. In the pass I have received lots of Email from Nationstar about willing to help me with payments. Once again My account is n't late Example of Email : Dear XXXX, Everyone at Nationstar is committed to " helping homeowners succeed. '' To keep things easy for you, we offer multiple ways to make your monthly payments. There are XXXX convenient ways you can pay right now : You have XXXX ways to pay right now : Click here to make a one-time payment online. ( No fee if received within nine days of XXXX/XXXX/XXXX ) Call to make a payment using our automated phone system : XXXX. ( Fee applies ) Call and pay by speaking to a Nationstar Representative : XXXX. ( Fee applies ) Remember, we 're here to help! If you have any questions or concerns about making your monthly payment, please call us now to discuss possible solutions at XXXX. If you have already made your scheduled monthly payment, you may disregard this email. 


Thank You, Nationstar Mortgage XXXX # XXXX My Mortgage is n't Late till XXXX XXXX but for some reason I 'm being harassed by Nationstar
Product: Debt collection

In XXXX 2015 I was prescribed XXXX XXXX by XXXX XXXX XXXX XXXX. They told me before my sessions that it was covered and I only owed a copay. A few months later I received a bill for the full cost of the 4 XXXX XXXX XXXX {$550.00}. I told them I did not owe that amount because insurance was supposed to cover it and I never heard from them again. The amount was then sent to I.C. SYSTEM INC for collections even though I disputed that I even owed them money in the first place. I contacted the collections agency and indicated the amount was in dispute. Now I have negative marks on my credit report. I do n't owe this money.
Product: Bank account or service

On XXXX XXXX, 2016 I notified XXXX XXXX that I was revoking their authorization to charge my debit card. On this same day I notified Chase that I had revoked the rights of XXXX XXXX to charge my card. I was told that all I had to do was replace my current card. Which I had done on XXXX XXXX, 2016 due to the card not being read anymore by card readers. I did what I was supposed to do but then on XXXX XXXX, 2016 XXXX XXXX charged my card {$160.00}. Dispite the fact that I was told this could n't happen it did. I called immediately and filed a dispute and was told that I do n't have any grounds because it was my obligation to pay. However it is not the banks job to tell me what my obligation was. This is a matter for civil court and if XXXX XXXX wants the money that is we 're this should be. Chase should not be involved. When I called XXXX I notified them that the line was being recorded so I have this all on recording. On XXXX XXXX, 2016 when I spoke with the supervisor at Chase I notified him that this line was being recorded and he stated he did n't agree but never asked me to disconnect the line. During this conversation I asked for the supervisors manager to call me back. She did at XXXX on XXXX XXXX, 2016. I argued with her and was told that XXXX XXXX pays XXXX money to allow this type of transaction to occur. I notified her that XXXX is not my bank and Chase was and I did not give any authorization to this illegal and immoral activity. Either Chase permanently refunds this money or they are comitting fraud along with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Money Network stole money from my account and deposited into their account. 

The first rep said she cancelled the transaction and placed my account in hold, she did not. 

The second person hung up on me when I tried to file a complaint. 

The third, 4th and 5th people refused to assist in expediting the situation. 

Stealing money has been a common occurrence for money network customers. This needs to be investigated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/2010 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto account with Santander from XXXX, which became delinquent. The car was repossessed and sold to satisfy the debt. Since that time, Santander has provided inaccurate information about this account to the credit reporting agencies. In particular, the date of first delinquency and they have listed 25 charge offs for 1 account. This has significantly impacted my credit score. I have disputed with Santander on multiple occasions. In addition, I have disputed with the credit bureaus and Santander has verified this inaccurate information.
Product: Debt collection

I called the number and told the person who answered to " stop calling this private cell number, is that understood ''. They seemed to know the number who was calling and asked if I was a certain person. I repeated myself thrice. Each time they'd refuse to stop calling and ask if I was a certain person. My name is XXXX, not the mans name they're trying to reach.
Product: Debt collection

I have never had XXXX XXXX XXXX  ever in my life I already submitted a fraud claim with them a long time ago and was told it was gone get resolved and because it has suddenly popped up on my credit report out the blue saying I owe them XXXX since XX/XX/XXXX which is impossible because my family and I have always had XXXX XXXX XXXX XXXX!!
Product: Money transfer, virtual currency, or money service

I have an opened account on the Albert App saving Platform and the company refuses to return control of my funds. I am unable to withdraw, spend, transfer or otherwise make use of in any shape form or fashion the {$41.00} that this app has taken control of. The bank account that was first linked to the account was closed years ago and Albert refuses to transfer the funds to any other linked deposit accounts that have the same name and contact information as the closed account. Despite my numerous attempts to contact Albert ( they have no phone number to call and only offer text based support ) they are firmly and decidedly rooted in their demand for a bank statement for my closed account without regard for the hardship and distress that reopening lines of communication with this institution would bring me. I do not wish to very this account with them. I want to delete it from my profile and take back control of my funds.
Product: Checking or savings account

Am in desperate need of help’ I’ve been banking with chase for 9 years now. I work very hard to make my money the correct way. I made the mistake of trusting someone close to me. I know this person since I was a child, he knows everything about me. He got a hold of my card and deposited checks because he knew my information. I honestly was working this day and had no clue what was going on. I went to chase and explained but they claim since the person knew my information there’s nothing they can do and that my account will be closed. Mistakes happen all the time what about how long I’ve been banking with you guys that does not count ? How I never committed anything wrong, not only am I not allow to get a chance but I can’t open with no other bank! XXXX has me as XXXX this is not fair. It has me depressed please me or give me another chance
Product: Debt collection

I am in the middle of buying a house and a judgement popped up filed XX/XX/XXXX when I filed bankruptcy in XXXX I called XXXX XXXX XXXX at XXXX and not get any response... also called an XXXX that states they are in litigation with this company for XXXX  years that they have not gotten a hold of.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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, inaccurate, and false information consists of a XXXX XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX, XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$52000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Frequent calls (2-4x or more) a day, since the beginning of XX/XX/2019 until now. Use of various of numbers using (XXXX) prefix.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX have been in direct violation of the following : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( E ) a  statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. ( XXXX, Experian and XXXX  are unable to verify ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. '' FCRA SECTION 616 & SECTION 617 after disputing UNVERIFIED ACCOUNTS. 
They have failed to provide me with verifiable proof required, this is evidence that it does not exist and therefore is proof that XXXX, Experian and XXXX can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

THIS INFORMATION WAS REVISED XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  These 4 accounts are not mine. They are fraud and were possibly opened under my identity but I am not aware of how they got started. Under rule 609 they must produce the documents used to open the account or remove. I have written letters, called and no one helps. This is not right. The 4 Accounts and the balance are : 1 XXXX. {$7300.00} 2. XXXX XXXX XXXX. {$400.00} 3. XXXX XXXX {$220.00} 4. XXXX. {$1100.00}