23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

15 U.S.Code 1692c ( b ) 15 USC 1692c ( b ) 1692c ( b ) - can not communicate without anyone other than a consumer, attorney or a CRA if permitted by law. By law, a consumer is a natural person. If your name was written in all caps they are referencing the birth certificate organization and thus this is a violation. Also if they havent validated the debt or if the initial communication ( any medium ) was on your consumer report it is a violation and not allowed as it is considered debt parking in connection with 15 U.S.Code 1692d ( 4 ).

Version 1.

AFFIDAVIT Notice, affiant is aware the debt collector, EZ FINANCEXXXXXXXX XXXX XXXX XXXXXXXX, can not communicate with anyone other than the consumer, the natural person, in connection with 15 U.S.Code 1692a ( 3 ) or an attorney or consumer reporting agency as permitted by law. However the debt collector, EZ FINANCEXXXX XXXX XXXX has communicated with the all caps name principal obligor, XXXX XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ).

15 U.S.Code 1692d ( 5 ) 15 USC 1692d ( 5 ) 1692d ( 5 ) - causing the consumers phone to ring to annoy, abuse, harass, any person at the number. This again is a violation you can use in conjunction with the TCPA or Telephone Consumer Protections Act, 47 U.S.Code 227.

AFFIDAVIT Notice, it is a fact, affiant is aware, causing the consumers phone to ring, annoy, abuse and harass the person is a violation of 15 U.S.Code 1692d ( 5 ) and the affiant has proof of many calls at many different times, in EXHIBIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mixed File with my father.
Product: Mortgage

Brief history of problems with Mortgage CompanyIn XXXX my ex husband and I sought to refinance the original mortgage combining a second mortgage and securing enough to make significant repairs to the property. The house was not livable and my XXXX year old parents needed to be safe. My ex-husband and I applied to XXXX XXXX who had taken over the mortgage we had for the previous seventeen years. 
The lender turned down the loan but within a few days they contacted my ex-husband and asked him to submit a second set of tax returns. They explained to him what he needed to do and he complied. The loan closed in XXXX of XXXX. In XXXX of XXXX my ex-husband moved out and refused to make the payments. I managed to keep the payments up and had no idea that there were any problems with the loan. The bank had been adding a late charge on the payments made in cash and directly transferred to the loan electronically. This is the system the branch manager set up for us. It was over a year before we learned about the added charges. None of the payments were late according to the stipulations in the note. 
In XXXX the state of Florida granted XXXX service connected veterans a tax exemption for which my father qualified. This became the largest problem. We provided the bank with all of the proper documents in the first week of XXXX. In XXXX they were still escrowed for the taxes. In XXXX I received a check for {$700.00} approx. as a refund for the escrowed taxes. The taxes were XXXX a year so seven months would have been more than that amount. We never did receive an accounting for the funds. 
Late in XXXX my ex-husband filed for bankruptcy in Federal court. This caused the demise of communication with the lender. They would not provide me with the information necessary to make the payments. Without knowing what the actual amount was I continued to pay the last known amount. During a telephone conversation with the loan processing center I learned that due to the fact the payments were not to the penny they were not posted to the loan but placed in suspense. 
The last payment I tried to make they refused to take. 
I sought an attorney to try and resolve this mess. This past week the judge signed an order of foreclosure against me. The day before the court date I received a loan payment statement from Caliber Home Loans. I eagerly called the number on the form to try and resolve this issue. They could not find any record of the loan by number, the property by address or my name. If I had sent them a check where would it have ended up? 
In the foreclosure action they failed to notify my son who is co-owner of the property. Therefore he had no defense. And during the proceedings they amended the original mortgage to include a parcel of land never included in the original mortgage or any subsequent mortgages. It has a separate deed and tax number. Would n't this be considered theft?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit agency is reporting untruthful information on my credit report i have told them repeatedly that the birthday that is listed on my credit report is n't correct I have sent in my driver license and also my social security more than three time via mail in also email I sent all the mail certified also. I also had disputed some inquires that was listed on my credit report i told them that there where not mine in i dont even know have of the company that is listed they told me it was my job to call in ask the company to remove them i told them how can i ask them to remove something that i dont even acknowledge they then told me they the company is paying them to keep the inquires on the credit report in that why when we disputed the inquires we get a return result the next day. the inqures are   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX     XXXX   XXXX  / XXXX    XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    XXXX
Product: Debt collection

XXXX XXXX has assumed debts from creditors who never allowed me to use my legal right to remedy payments with a deferment or hardship due to XXXX. The issue began when I became XXXX on a continuous basis and asked them to work with me on payments. Numerous times I asked for a deferment, explained my hardship and asked to see the original contract to see if there were any protections in place, due to XXXX. I was ignored every one of those times, the balance continued to grow and gain interest and my account was closed. Though the account was closed, they are still adding interest. This comes after years of good standing with the institution, without even as much as a late payment on the account. I surely expected some sort of results when seeking help. But I was never sent an original contract to see my rights, I was never offered a deferment or hardship and instead I was just thrown away as a bad debt. There must be laws in place to protect Veteran 's like myself whom become completely XXXX and face the hardship of inability to pay. This information should have been provided, instead of requests ignored. XXXXXXXX XXXX instead has bought the debt and continues to harass me to collect the debt when I was never given deferred arrangements or hardship options by the original creditor, as stated in the terms of credit. Nor will the company XXXX XXXX provide this information.
Product: Debt collection

Nothing, I was a victim of identity theft and someone has stolen my identity And us it for fraudulent charges without my knowledge and I did not receive any money or no compensation for my identity that was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Joint checking account held by wife and self with XXXX which became SunTrust for over 32 years. In XX/XX/2021 Truist bank emailed us to say they would be taking over SunTrust, not to worry, we need do nothing, as they would take care of everything. We heard nothing more by mail or email. We discovered our debit cards had been cancelled when they were declined whilst we were on. US based cruise ship! Not only that, when we contacted Truist online, our account had been changed from a few free account to one that required monthly payment if balance dipped below a certain level - Worse than that is the fact that they have removed my wifes name from the account. We were told she had to register to be included on account! But the firm online discriminated against overseas clients, as it will not proceed without a zip code, which we do not have. We have called repeatedly, racking up telephone bills of over {$60.00} - to no avail. We have emailed, and literally spent hours on online chats, again to no avail. We do not have any trust in Truist, and now simply want to close the account and transfer our funds to a XXXX Bank, which is where we reside. We have hit a brick wall!! We wanted an immediate bank to bank transfer- told not possible, call into your local branch!!!! In the XXXX??? Asked for wire transfer, now on third impotent call and on online chat getting nowhere!!!
Product: Debt collection

I have told Loanme to stop communicating with me and they know I am represented by an attorney yet they continue to communicate directly with me. Once again I want this harassment to stop! They refuse to resolve/settle the matter and continue with sheer disregard for the California Fair Debt Collections Practices Act. No exception exists that they may contact me when I've asked them not to and when they know that I am represented by an attorney.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, Equifax and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy ( Chapter XXXX in early XX/XX/XXXX ). It was reported to my credit report on XX/XX/XXXX and listed as fully discharged on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on XXXX, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. XXXX is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

They are unable to follow instructions. My husband got an unknown number call from them ( he is not even listed on this account ). They called late on Friday and gave a number that they do not answer. 
They need to call the number listed on the complaint with a listed number ( so it will get answered ) and if needed leave a number that will get answered when I call back.
Product: Credit reporting or other personal consumer reports

Theyve failed to remove these inaccurate inquiries I did not authorize. My credit score is suffering as a result of these mistakes, which are listed below, so I must ask for a quick fix. 
XXXX inquiry, XXXX inquiry, XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX inquiry. Remove it ASAP as I did not XXXX permission to see my report. Please be aware, that I need the wrong inquiry investigated and removed quickly. No permission was given to pull my credit report. These inquiries must be investigated according to the law and removed as soon as possible. These creditors pulled my report without my permission. Delete this information on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site XXXX 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX & XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

these inquiries are unauthorized and they are not related to any transaction by me According to the 15 usc 1681 law there should not be any damages in my report its defamation to my character these are all the inquiries on my report XXXX XXXX XXXX united auto credit co XXXX automotive credit corp XXXX untied auto credit co XXXX automotive credit corp 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: Debt collection

The FAIR DEBT COLLECTION PRACTICES ACTS states collection of any interest or fees is a violation of section 15 U.S. Code 1692 Unfair practices unless authorized by the agreement creating the debt, or permitted by law.

Merchants Credit, a collection agency, is adding interest to this medical debt. A violation of the above US Code.

I have written two letters asking for proof of interest agreement between myself and the medical office, XXXX XXXX, and there hasn't been any reply. I have received no response. I have tried calling.

I do not owe this amount and ask for it to be corrected and interest removed. I tried contacting the office by phone to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is showing an account with  XXXX  #  XXXX  as being late. I have reported this particular  XXXX  acco unt to the police as I 'm not familiar with this account number and I suspect identity theft. At this time there is NO pending litigation in this matter. However, TransUnion is now in violation FCRA 605B states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;
Product: Credit reporting or other personal consumer reports

The account is stating closed and charged off and is still reporting late payments which is against the law
Product: Credit reporting

I want Trans Union to removed the XXXX out information for the accounts being reported on my Credit report for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never ceased to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report : XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit card

Please examine the attached documents. I am seeking an investigation into the accounts that report me as late, even though I have never been late on them.
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft, I pulled my credit report and noticed collection accounts that I am not aware of. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX
Product: Debt collection

I received a notice that a new account has been reported on my consumer report without written permission. This adverse action has affected my ability to live in a new apartment. I never have done business with XXXX XXXX XXXX and i have never gave then written permission to post to my consumer report. I never received a notice in the mail that i could dispute this alleged debt. This account needs to be removed immediately from all consumer reporting agencies. My consumer rights have been violated by XXXX XXXX XXXX not having the authority or right to post inaccurate information to my consumer report. Reported on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my rights as a human being by giving out my personal information and also, by me not giving Equifax a written consent to furnish any accounts. 

According to Law 15 USC 1681, Equifax has violated my rights numerous of times. I am a natural living person and I demand the listed accounts below to be removed : ACCOUNTS : XXXX XXXX XXXX- {$8400.00} XXXXXXXX XXXX {$880.00} XXXX XXXX- {$690.00}
Product: Credit card

I paid off the Goldman Sachs ( GS ) credit card. The following month, I checked the balance to make sure there were no last statement interest due. At that time, I saw there was a balance of about {$3000.00}. There were thousands of transactions with most of them being under {$1.00}. Knowing this was fraud, I called GS. Over the following 9 month, I fought with them to get all those transactions removed. During those 9 months, I did not make payments on the card because it was fraud and not my responsibility. Because I did not make payments, they reported to the credit bureaus that I was 120 days late. At the end of the 9 months, they resolved everything except {$140.00}, which they charged off and reported the charge off to the bureaus. XXXX of XXXX  I began the dispute process with GS and the credit bureaus. Each resolved dispute states that GS is reporting correctly. Now, technically, they are reporting correctly because I was not making payment and the {$140.00} was charged off, however, that was all a result of fraud and should never be on my credit reports. 

I filed a complaint in XXXX  with CFPB and the 120 late payments were removed, but the charged off is still showing on my credit.
Product: Credit reporting or other personal consumer reports

XXXX is reporting me late in XXXX on credit report. Payment was made for XXXX, XXXX and XXXX XXXX statement just came out XX/XX/XXXX, payment due XXXX, paid on XX/XX/XXXX. Need credit report corrected and put back to not late and pays as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN RECEIVED MY DISPUTE OF XXXX XXXX XXXX XXXX .... ON XX/XX/XXXX. 

Please see below from their website : The dispute for the account with XXXX XXXX XXXX A that starts with XXXX has been received and should be completed by XX/XX/2022. 

Source : Experian Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Account Number : XXXX SHOCKINGLY AND MAGICALLY EXPERIAN CONCLUDED THEIR INVESTIGATION ONLY 3 DAYS LATER, THEY SENT ME A DISPUTE REPORT WITHOUT ANY PROOF OF THEIR INDEPENDENT INVESTIGATION, NO VERIFICATION RESULTS, NO DOCUMENTS ON WHAT THEY INVESTIGATED, NOTHING WAS DONE!! 

THEY ONLY CLAIM THAT THE ITEM WAS UPDATED?? A CLEAR FCRA VIOLATION!!
Product: Credit card

On XX/XX/XXXX I received my XXXX XXXX XXXX statement from Comenity Capital Bank in the amount of {$52.00}. I wrote Check # XXXX and mailed my payment to XXXX XXXX XXXX, XXXX TX XXXX. On XX/XX/XXXX, XXXXXXXX  received my check and processed it as if it were a debit card payment by ACH. They then destroyed my check so that XXXX XXXX XXXX can not provide a copy of the front and back of Check # XXXX. The money was deducted from my checking account and cleared the bank. The transaction shows on my bank statement. On XX/XX/XXXX, XXXX XXXX provided a Trace Number XXXX. XXXX XXXX XXXXXXXX will not acknowledge payment received and will not apply the payment to my account ending in XXXX. I opened a Dispute with them and provided proof from XXXX XXXXXXXX XXXXXXXX On XX/XX/XXXX, XXXX, the XXXX XXXX XXXX representative, XXXX XXXX, even stamped the proof of transaction with his bank stamp providing employee credentials. He also provided two of his XXXX XXXX business cards. His phone number is XXXX, and email is XXXX. Today, XX/XX/XXXX, XXXX  - XXXX still does not show payment applied to my account. In fact, they insist I need to provide a copy of the front and back of the check and will not accept a bank statement or bank transaction proof. They continue to claim that I did not pay this bill. If I did not pay it, XXXX XXXX XXXX  would not have transaction details in their system. Clearly, the money has been deducted from my checking account. I have done nothing wrong. I paid the bill on time, right away after I received it. I have been calling XXXX XXXXXXXX to resolve this, yet they continue to give me the run-around insisting that I did not make this payment. Their phone number is XXXX. I mailed my bank proof to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I opened a claim with XXXX XXXX XXXX, Claim # XXXX. How can I get this matter resolved?