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

In accordance with the Fair Credit Reporting act XXXXXXXX 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services one time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX  on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. TransUnion has 7 inquiries and XXXX has 8. The numbers don't even match each  agency, and the random credit runs were unnecessary actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete address and names that aren't mine. I have sent letters to the company every month since XX/XX/2020 and its still reporting inadequate information. 

I continue to receive the same its been verified information which I know is incorrect especially my name. I've sent bills, my BIRTH CERTIFICATE, my drivers license for verification and still the same incorrect information appears and they are the only reporting company reporting this inadequate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed that I have been a victim of identity theft. I did not authorize any company/person to pull my credit in regards to the items listed below. All of the following inquiries were not authorized by myself : XXXX reported on ( XXXX ) XX/XX/2020 XXXX/XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( Transunion ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( TransUnion ) XX/XX/2020 XXXX  XXXX on ( XXXX ) XX/XX/2020 XXXX  XXXX XXXX reported on XXXX XXXX ) XX/XX/2020 XXXX  reported on ( TransUnion ) XX/XX/2020 XXXX  reported on ( XXXX ) XX/XX/2020 XXXX  XXXX/ XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( TransUnion ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 XXXX reported on ( TransUnion ) XX/XX/2020 A Police report was filed with XXXX COUNTY TX POLICE DEPT
Product: Debt collection

Springs Oaks Capital LLC has inserted a collection on my consumer report after I requested the debt to be validated. This correspondence was sent by US mail and email as they requested on XX/XX/2023. I have no choice but to report them to the CFPB. I will also put the cease and desist here.

CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete the account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all-natural inalienable rights reserved
Product: Debt collection

I was the victim of a XXXX XXXX XXXX XXXX and was treated by the XXXX XXXX XXXX who was recommended by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX https : XXXX ) who sued several entities. I signed settlement documents per his request that came with a promise to pay medical providers and me. This was in 2014, yet a derogatory collection still remains on my credit report XXXX years after the fact. The provider and collection agency when contacted said " Your XXXXr said he paid you all the money, that you disappeared and has no money to settle this debt! '' I have repeatedly informed the provider and the XXXX  that this collection on my credit needs to be removed and yet despite multiple complaints including the credit agencies I am still been punished because a XXXX and or creditor has fraudulently absconded with insurance money, I say this under penalty of perjury and prepared to restate the same in a court of law. Even if I paid off the debt ( Double jeopardy ) I still lose after already paying higher interest and having banks and financial institutions refuse to loan me any money. As a XXXX veteran someone has to care, this creditor and XXXX both are fully aware that I have never received even a dime. The XXXX says he never told the creditor I had absconded with the settlement cash. " He said she said '' with me in the middle getting screwed. The XXXX has admitted to me that he never paid anyone and still has the cash yet as yet nothing has been done to clear my name. Are XXXX allowed to do this? I have been damaged through no fault of my own yet neither XXXX or XXXX despite complaints will remove the derogatory remark from my credit report?
Product: Debt collection

those people claiming to work for CARVANA refuse to follow cited law, which you will see in the attached 'CARVANA_CFPV_GOV_complaint.pdf '. aside from that, it is written in the most popular used law dictionary, according to XXXX, which is the XXXX  's law dictionary, " DRIVER. One employed in conducting or operating a coach, carriage, wagon, or other vehicle, with horses, mules, or other animals, or a bicycle, tricycle, or motor car, though not a street railroad car. A person actually doing driving, whether employed by owner to drive or driving his own vevehicle. XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ''. '' again, drivers are persons, i.e. the employed, that XXXX drive for 'a living ' '', i.e. taxi driver persons, ridesharing driver persons, semi-truck driver persons, delivery driver persons. as for people? people have a god-given right to travel freely because people were already granted the right to travel by a XXXX XXXX that no man can match nor overthrow. therefore, it serves absolutely no purpose in participating in the drivers licensing program, service - or whatever you wish to call it - and is absolutely pointless in obtaining such identification or member card for any pupose.
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 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. 


Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX  XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX  Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX
Product: Debt collection

Good afternoon cfpb I lost my credit XX/XX/year> I called people from XXXX to letting them know they never responded and I left message from them after XXXX years they try to agains me by debt collection I dont nothing about this money {$4900.00} and I dont know portofolio recorvery and I never spoke to anyone about this
Product: Checking or savings account

It won't let me hook my bank account up to directly pay my rent.
Product: Debt collection

XX/XX/2023 the Executive Director of XXXX, XXXX, a 501 ( c ) 3 non-profit corporation received a call from XXXX at XXXXXXXX XXXX XXXX. See Exhibit 1 This telephone number belongs to G. L. A. Collection Company, Incorporated, ( henceforth G.L.A. ). See Exhibit 2, Respondent G.L.A.s Contact Us website ( https : //glacompany.com/contact-us/ ).

The caller identified themselves as a debt collector and divulged the amount of debt they sought to collect. See Exhibit 3 G. L. A. had been sent a dispute of this debt from the undersigned law firm XX/XX/2023. See Exhibit 4. 

G. L. A. is in violation of the Fair Debt Collection Practices Act, 15 USC 1692b 804 subsection ( 2 ). Respondent G.L.A. clearly identified themselves as a debt collector in violation of the Act and disclosed both the existence and the amount of this purported debt. 

FURTHERMORE, G. L. A. violated subsection ( 6 ) of the Fair Debt Collection Practices Act, 15 USC 1692b 804 in that Respondent had been in communication with the undersigned ( Exhibit 4 ), knew that the undersigned was represented by counsel and nonetheless chose to look up the partner of the undersigned and call them, at work.
Product: Mortgage

Received a XXXX with the Letter F in identifiable event, Box 6 F- Means by agreement according to the XXXX form.

1 ) I have never had an agreement with either OCWEN or XXXX XXXX XXXX XXXX, Please provide me with the agreement. Please provide proof of Agreement. 

2 ) Box 7 it says Fair Market Value XXXX  ( XXXX  ) How did they come up with this? What is it based on? please provide proof 3 ) Box 2 XXXX amount Discharged. 
How was this number acquired or reached? 
What documentation can you provide to verify the accounting? Please provide proof 4 ) Box 1, Date of Identifiable event XX/XX/XXXX. 
How was this date entered based on what facts or documentation, please provide proof 5 ) Whose Creditor Federal Identification Number is XXXX, Please provide proof of funds that were Lent and for what purpose. What Agreement I had with them as a Creditor, Borrower, Show me proof of any Money, funds that I Received or borrowed on my behalf provide check Numbers, accounts, accounting of where, when, how money was transferred and for what purpose. 

6 ) Account Number - Whose account number or Numbers are these?

How are they associated with Me?

5 ) Box 5 Was left unchecked? it says if unchecked, the debtor was personally liable for repayment of Debt.

Definition of Fraud : Intentional deception, resulting in the injury to another.

If I was not liable, then How did I have an Agreement with the company or companies submitting this false document to the IRS and Me Via US Mail constituting Mail Fraud 18 U.S.C. Section 1341, the two elements have been provided 1 ) having devised or intending to devise a scheme to defraud ( or to perform specified fraudulent acts ), and 2 ) use of the Mail for the purpose of executing, or attempting to execute, the scheme ( or specified fraudulent acts ) Schmuck v. United States ,XXXX U.S. XXXX ,XXXX XXXX. XXXX ( XXXX ) ; see also XXXX v. United States ,XXXX U.S. XXXX ( XXXX ) ( " The elements of the offense of Mail Fraud under ... 1341 are ( 1 ) a scheme to defraud, and ( 2 ) the mailing of a letter, etc., for the purpose of executing the scheme. " ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail and Wire Fraud ,31 AM. Crim. L. Rev. 703,704 ( 1994 ) ( cases cited ) I was monetarly and emotionally injured by the mailing of this document and others associated  to it and by these companies. 
I am asking for The Attorney General to File a Quo Warranto Action on behalf of the Citizens and consumers of the United States being taken advantage of and being deceived by these companies causing financial damage and loss of trust in the Financial stability of this country.
Product: Bank account or service

Charged over draft fee that employee could n't explain. The overdraft was the only thing that overdrew my account
Product: Credit card

Paid off statement balance in full on XXXX2024. Was charged an interest fee of {$74.00} two days after paying off statement balance. Called Bank of America and was told they would review the fee on XXXX2024. Received email declining to refund the interest fee on XXXX/2024. Called XXXX2024, spoke with an associate and was transferred to a manager XXXX who explained that this interest is for the accrued interest for that month, that is not included on the statement balance, and that I should have called for a payoff amount to be sure that I paid off the interest. This is not stated on any of their statements or in the app when you pay your credit card bill. I believe this is incredibly misleading, as I thought interest accrued for the month IF the balance was not paid off and I understood that I should not be accruing paid interest when I paid off the balance that month. Again, no where is this stated that I can find and I feel this is another way of squeezing fees/interest out of people, even after they've paid off the statement balance on your credit card.
Product: Debt collection

XX/XX/2023 we contacted XXXX XXXX to install solar panels. 

XX/XX/2023 all communication with XXXX stopped as did work on the solar panel installation which was not yet complete. 

XX/XX/2023, after several weeks of trying to contact company, we found via XXXX that XXXX XXXX filed for bankruptcy without notifying customer in the XXXX area. 

XX/XX/2023 we were contacted by loan provide Mosaic that our first bill for solar was due XXXX XXXXSince then we have tried working with Mosaic to get an extended due date, forbearance, renegotiation on loan, cancellation on loan or remediation of contract. However, Mosiac will not return calls, email me requested documentation ( I was able to find a contract from a previous email ). They have also NOT acknowledged that XXXX has indeed gone out of business. 

XX/XX/2023 we have made numerous calls to other solar companies, the AZ District Attorney, and been interviewed by XXXX XXXX in XXXX ( covering other customers also being taken advantage of ). The result has been that no other solar companies will work on XXXX ' proprietary equipment, finish their installation, or provide any warrantee for their work. There may be possible class action lawsuit being created by the victimized consumers, but of course that will take a very long time. 

XX/XX/2023 Mosaic has put our account into collections and no longer returning my calls. 

This situation has put my husband and I in a difficult position as we are obviously still paying for high electricity bills in AZ, but are now in collections for a XXXX debt in solar services that we did not, and will never receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

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

I submitted a dispute showing inaccurate information reporting to the three BureaXXXX. This is a direct violation and even showed the proof of the actual violation. The company came back and said UPDATED, but the information was not updated it is still reporting the same.
Product: Mortgage

According to the credit report my mortgage company XXXX XXXX XXXX XXXX has reported late payments on my credit report for the year of XXXX and I never made a late payment. I have proof of bank statements and would like the delinquency on payments removed from my credit report immediately the information is not accurate there were no late or delinquent payments the year of XXXX Payments made in the amount of {$2000.00} by XXXX payment from XXXXXXXX XXXX. I have statements and document proof. Please remove these late payment history and delinquent reports from credit report immediately I have also been victim of identity theft reported.
Product: Checking or savings account

On or about XX/XX/ I attempted to transfer funds from two accounts at Marcus online bank, a subsidiary of Goldman Sachs. I received an email asking me to phone in for further verification. Each time I provided them with the information they requested, I would receive an email the following day asking me to call in for further verification. Once I was on the phone with a Marcus rep and another one conferenced in to ask for different information than the rep I was speaking with was requesting. This has gone on now for 4-5 days and I've spoken to more than two dozen representatives over a span of 6-7 hours. I have been verified and reverified over and over again. We've done a three way call with my new bank to verify the account and they've spoken to my wife multiple times. This is not the first time this has happened. I've tried on several other occasions to transfer money and I've had the same problem which is why I'm trying to switch banks. I went online ( XXXX ) to see if others were having the same issues and it looks like I'm not alone. The online speculation is that Marcus is purposefully making it difficult for customers to move money out of their institution because they are selling their consumer business. Regardless of the reason, I need this money for my living expenses and they keep coming up with excuse after excuse as to why I can't have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is currently reporting to all three credit agencies XXXX, XXXX and XXXX both XX/XX/2023 and XX/XX/2023 late payments when I called spoke to a rep explained that due Covid-19 I experienced economic hardship. Capital One advised that I would not be reported as late but rather in a Covid-19 protected status. This violates my rights as a consumer as there is a law that protections consumers that have been negatively affected by Covid-19. Capital One is reporting fraudulent information which is in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

There has been a breach of trust. XXXX XXXX BREACH several times has affected us mentally and physically. Endless phone calls, long wait times. No resolution only a decline in scores. Faulty systems and no one seems to care about the damages. We are not sleeping at night and can no longer build an appetite to eat due to the stress and worry. Unable to provide the daily necessary household functions because everyone judges us on a score which is blatant discrimination dressed up in the term credit worthiness. When the people have open- end credit and the people are the true creditors. Selling of securities and not paying out or properly filing tax forms caused me serious problems. Companies are showing favoritism to a certain demographic and that is a problem. Where is the good faith and fair dealings which implies that if one party receives a benefit or treatment, others in similar situations should not be unfairly excluded from receiving the same. Where is the valuable consideration?
Product: Credit reporting, credit repair services, or other personal consumer reports

The electronic file provided by XXXX XXXX XXXX as validation of debt for account # XXXX has a balance at the time of sale of {$2.00}, XXXX is erroneous because it includes a {$38.00} late fee overcharged. Because the balance at the time of sale is incorrect it automatically INVALIDATES the electronic file mention above. With this been said XXXX XXXX XXXX is in violation of section 809 ( b ) of the FDCPA because they had failed to provide proper validation of debt. Equifax must remove this invalidated account immediately to avoid litigation. Attach to this dispute I am providing you with 1 ) copy of ID 2 ) copy of Social Security Card 3 ) The electronic file provided by PRA as proof of validation which is erroneous read above 4 ) Copy of Last Statement which shows the right amount of {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days.
Product: Mortgage

Received a loan through XXXX XXXX XXXX, who in turn hired BSI Financial to service it. XXXX properties, XXXX loan. The servicer has repeatedly demanded I pay insurance on the properties even though premiums were collected a year in advance at the time the loan was made. XXXX is again threatening force-placement, and repeated attempts by my rep at XXXX XXXX to correct the issue have not yielded results.