23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from XXXX XXXX XXXX on XX/XX/XXXX of 2022 regarding an alleged debt owed to XXXX XXXX XXXX in the amount of {$250.00}. The letter stated if I wanted to dispute the claim, I needed to submit a request to them before XX/XX/2022. I sent an email to XXXX on XX/XX/XXXX disputing the claim. I received acknowledgement of my email on XX/XX/XXXX. I received no further communication from Credence or XXXX XXXX XXXX. 
On XX/XX/XXXX I received an updated credit report from my bank stating my credit scorXXXX had dropped XXXX points due to an outstanding unpaid debt. Upon checking the action was filed by XXXX on behalf of XXXX XXXX XXXX. I contacted XXXX who acknowledged receiving my email disputing the claim in XXXX and they stated to me " they failed to follow up with me ''. I explained my negative credit report and they told me they would correct it by somehow saying " the debt was in dispute ''. I asked they reverse their action on my credit and was told they again would mark my account " in dispute ''. 
I want my credit report adjusted and my credit score returned to it's previous score. 
Thank you for your assistance. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all 3 credit bureaus ( Experian, XXXX, XXXX ) for the past 6 months about inaccuracies on my credit report. All 3 credit bureaus report that they have investigated or reinvestigated the accounts but they still report different things all 3 credit reports. I am now wondering if the credit bureaus are really investigating or are they just sending my letters through a computer and giving me the same response back. I have found numerous inaccuracies and have reported them over & over again but nothing has yet to be done. I know by law that all 3 credit bureaus are to report accurate information on my credit reports but yet they have all failed to do this and it is affecting my credit score. I don't want to keep getting the same response or sometimes or no response with the same inaccuracies. Are you really doing an investigation? I have asked for proof of the debt each of you stated you " verified '' but have yet to receive ANY PROOF. I have seen numerous complaints of lack of investigation & violations that the credit bureaus are not following.
Product: Debt collection

A debt collector by the name of XXXX XXXX XXXX submitted a Garnishment Order in the state of Missouri to my place of employment using the company ADP Inc . I am a consumer in the state of Texas. My wages are earned in the state of Texas. ADP has sent a email stating the garnishment order is valid from the state of Missouri. 

The state of Missouri also does not have any jurisdiction in the state of Texas. 

Pursuant the Texas Constitution Article 16. Section 28. GARNISHMENT OF WAGES. No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered child support payments or spousal maintenance. 

I have contacted ADP at XXXX and was advised that the garnishment is valid. ADP advised that they will not stop the garnishment. ADP advised that only the attorney from the Missouri court order can stop the garnishment. 

This is a violation of my consumer rights and Texas state laws. 

I did not give ADP ANY permission to collect ANY debt from my wages. 

An FTC Complaint has been submitted as well as a Texas Attorney general complaint.
Product: Money transfer, virtual currency, or money service

I submit all information that i provided for help me to remove the limitation, and i was on the phone waiting for, and them i think nobody has change to review and remove the information. 

i will like apreciate help me to remove the limitation ref XXXX THANK YOUU
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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: Vehicle loan or lease

I am writing to formally express my serious concerns regarding the repossession of my vehicle under the contract dated XX/XX/year>, despite the fact that an arbitration agreement is associated with said contract. This letter serves as a stern demand for a full and detailed explanation of how the repossession of my vehicle was conducted in accordance with the arbitration agreement. 

As per the terms of the contract, any dispute between the parties should have been resolved through binding arbitration before any action could be taken, including repossession and or sale of the vehicle. I have not been notified of any arbitration hearing or proceedings related to this matter. Therefore, I demand that you provide the following information, without delay : 1. **Confirmation of Arbitration : ** Please present proof that an arbitration hearing took place in accordance with the terms of our contract. This should include details on the date, time, and location of the arbitration.

2. **Notification Process : ** Provide a full explanation of when, how, and to whom any notifications of the arbitration hearing were sent. I demand verifiable evidence of the methods and dates by which I was allegedly informed of such proceedings.

3. **Compliance with Contract Terms : ** Demonstrate how the arbitration process, if conducted, complied with all the specific terms of the contract regarding dispute resolution. Additionally, outline the reasons why repossession was initiated without prior resolution through arbitration, if no hearing took place.

This letter constitutes a formal demand that you provide all requested information within 10 business days of receipt. Failure to comply with this request will leave me no choice but to pursue all available legal remedies, including but not limited to, initiating litigation for breach of contract, wrongful repossession, and any damages incurred as a result of your actions. 

I trust that you will take this matter seriously and provide the requested documentation and explanation promptly. I look forward to your immediate response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I am sending this complaint on behalf of XXXX XXXX XXXX XXXX. 
I noticed a collection on said account : LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX According to the FCRA said collection should be removed from the above credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their continued non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically in relation to their failure to address my identity theft report and subsequent identity theft information block request. This complaint is in reference to my previous complaint filed with the CFPB on XX/XX/2023, which was received and opened on XX/XX/2023. The reference number for that complaint is XXXX On XX/XX/2023, I submitted an identity theft report to Equifax, along with all necessary documentation, as required by law. This report was in accordance with 15 U.S. Code 1681c2, which mandates that a consumer reporting agency must block the reporting of information resulting from alleged identity theft within four business days of receiving appropriate proof of identity, an identity theft report, identification of the disputed information, and a statement by the consumer confirming the information 's inaccuracy. 

As of the current date, XX/XX/2023, it has been well over the four-day threshold, and Equifax has failed to fulfill their legal obligation to block the disputed information from my consumer report. Furthermore, Equifax has not provided any investigation details or indications on my consumer report that the alleged accounts are in dispute, as required by law.

This prolonged delay and the lack of cooperation from Equifax have caused me significant stress and mental strain. I firmly believe that Equifax is taking advantage of my situation and violating my consumer rights. The FCRA was enacted by Congress to safeguard consumers from the actions of private companies that neglect their duties and responsibilities. Equifax 's failure to comply with the FCRA has not only caused undue hardship but also undermines the very purpose of this legislation.

I have raised multiple complaints regarding Equifax 's conduct to the Consumer Financial Protection Bureau, and I implore you to take appropriate action against Equifax for their blatant disregard of consumer rights and federal law. Equifax 's actions, or lack thereof, have not only exposed their non-compliance but also demonstrated a lack of accountability for their role as a consumer reporting agency.

I request that the Consumer Financial Protection Bureau investigates this matter thoroughly and holds Equifax accountable for their actions. Immediate corrective measures are necessary to ensure that my consumer rights are protected, and that Equifax fulfills its obligations under the FCRA without further delay.

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will take swift and appropriate action to rectify this situation and ensure that Equifax adheres to the laws that govern its operations.
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 XXXXXXXX # XXXX Account Name : XXXX XXXX XXXXXXXX 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: Debt collection

I am reporting two fraudulent collections listed on my credit report that do not belong to me. The first is a collection from Southwest Credit Systems, claiming I owe {$510.00} for a XXXX bill. I spoke with XXXX XXXX from Southwest Credit Systems, who informed me that my last name was spelled incorrectly on the collections record. The charge claims that I owe {$350.00} for one month of service, but this is not accurate. XXXX plans do not support such a high charge for one line. Additionally, I never had XXXX service in my name in XXXX  ; I was on my mothers plan. The debt is fraudulent. 

I am thankful that you helped me with the XXXX XXXX XXXX. It means a lot to me, and it has inspired me to take action on more accounts that are not mine because I shouldnt have to go through this. Its particularly troubling because XXXX XXXX added the Southwest Credit Systems Collection to my report right after they removed the XXXX XXXX XXXX. This is strange because I have screenshots showing that the Southwest Credit Systems collection was never on my report before. It was reported as of XX/XX/XXXXXXXX XXXX XXXX  but it never appeared until after the XXXX XXXX XXXX was removed. I believe XXXX needs to be investigated because I am unsure of where they are sourcing their information from.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I am respectfully requesting a validation and method validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX . These item is currently showing inaccurately on my credit report filed with your credit bureau. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to MoneyLion on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or XXXX and/or XXXX consumer report ( s ) : * High Balance * Date of Last Activity * Date Reported * Date Opened * Closed Date * Account Rating * Last Payment However, this inaccurate information is still being verified and reported by Money Lion each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request all three Money Lion accounts listed below be removed immediately from my credit report with XXXX, XXXX and XXXX. MoneyLion is in direct violation of my rights under FCRA. 

MoneyLion account numbers : * XXXX * XXXX * XXXX
Product: Vehicle loan or lease

We had a car that was financed with XXXX  XXXX. We had an agreement to close loan and release the title for XXXX. They received the money and then got shut down by the government. They sold the loan ( which was closed in XX/XX/2018 XXXX to westlake protfolio management in XXXX. I received a notice that my loan payments will be due for XXXX and to send to them as they are the new loan servicer! 

I called and called and sent in the loan release letter from Honor finance stating that I had paid off the loan. They forward to legal and said please allow 7 to 10 biz days to clear. That was in XXXX! It is now mid XXXX. My loan is in default showing repo status ( ont heir file and credit report ). I have called on about 30 occasions and they blow me off. Call center tells me that legal is looking at it. 

ONE person gave me the number to a guy in the legal dept. He talked to me 2x and now just ignores my calls and does not respond to email! 

I WANT THIS CLEARED UP. The car is gone ( insurance has it ) the loan is showing in default and it is affecting my ability to get another loan and my score!! I couldnt close on my home loan since I was in REPO status!! This is beyond rediculous and frustrating! 

Please help
Product: Mortgage

I have applied for state and federal government programs designed to provide relief, however, I can not have not been able to access this because of Carringtons refusal to cooperate with the guidelines. Last year they would not accept the written release to communicate with Homeowner Assistance Fund they referred me to because of the governments forcing them to disclose this assistance is available, yet they will not provide the program with the information to provide relief. 
On XX/XX/2023, XXXX XXXX, the case manager from the Homeowners Assistance Fund requested information from Carrington and was told they would send the information by the end of that week. This is 3 weeks ago. Furthermore, the information has been requested on numerous occasions and has not been sent. Carrington instead wants to force upon me a modification as my only option that not only will significantly increase my monthly payment, imposing a much higher interest rate as well as restarting the 30 years. 
Can you please help me get Carrington to provide the Homeowner Assistance Fund with the information needed to get up to date.
Product: Credit reporting

I have submitted to Transuion numerous times an collection account that is not mine that is reporting to my credit report and it keeps coming back verified. I am beyond frustrated at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX, and Transunion 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. Accounts XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX are in violations. 

According to 15 USC 1681i XXXX, TransUnion, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account XXXX Acct # XXXX has be verified as accurate and updated but yet hasnt updated status as disputed and XXXX has the account listed as open when its closed. Evidence provided below
Product: Debt collection

On my credit report it states that XXXX XXXX XXXX XXXX is 100 % percent accurate. When clearly you could see the inaccurate information placed on my credit report. I tried disputing multiple times for inaccurate information such as, the terms, date open, account status, account type, payment status, account name, balance, company sold-to, and payment history. The account is clearly inaccurate. I sent the XXXX XXXX XXXX XXXX validation of debt letter and they failed to respond. Also, I sent them a letter due to that i do not have knowledge of the account. In which, this account have not been properly validated becuause clearly they are violated the law section 609, 611, 616, and 617 under the FDCRA and under FCRA. The credit bureaus states this account is 100 % accurate across every section of the account. They are violating my rights and my credit worthiness and defamation of my character.
Product: Vehicle loan or lease

Vehicle was purchased on XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, New Jersey XXXX {$15000.00} was financed by TD Auto Finance LLC XXXX XXXX XXXX XXXX, CA XXXX ( according to final paper work ) Final Payment of {$4300.00} was paid on XX/XX/XXXX at TD Bank XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Based on e-mail received today from XXXX, they are refusing to release title. 

A complaint was filed with the New Jersey Office of Attorney General, Division of Consumer Affairs, XXXX NJ office with reference number : XXXX
Product: Credit reporting or other personal consumer reports

On my credit report there is an account called XXXX. I have never applied for or owned an XXXXXXXX XXXX products. The fair credit reporting act clearly states that all the information on a person 's credit report should be XXXX percent accurate. This XXXX account is not reporting correctly on my credit report. As across all three different credit bureaus it is showing different opening and closing dates for this account. On all three credit bureaus it is showing a different balance that are owed on the account meaning that on my XXXX and transunion accounts, the stated amounts owed are different. Also on my credit report it clearly states that the credit limit for this account was {$8500.00} but yet it is saying that the balance owed is over {$15000.00}. This makes no sense and thus prove the in accuracy of this account. 
I never held such an account with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance XXXX {$4800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Also Privacy Act of 1974, as amended, 5 U.S.C.C.S 552a.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent request to Lexis Nexis to add security freeze to my credit report, a copy of credit report / full disclosure and also the credit reporting agency did not respond within 15 days they have violated the FCRA and the entry must be deleted.

The FCRA, Section 609 a ( 2 ) regarding disclosures provides leverage to get the item deleted. I requested to see what they used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted. The credit reporting agency must disclose the source of the information.

Lexis Nexis has refused to respond or send me my full disclosure report Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available My requests are being ignored and after 30 plus days, I still do not have a copy of my credit report