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

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Reference # XXXX I am disputing the whole amount I am being charge {$200.00} plus any fees associated with this. 
The XXXX account XXXX associated with this charge, dates from XX/XX/XXXX. On XXXX contacted XXXX, to let them know that I was having trouble with my service, dropping calls and I had no data access even though I was on the unlimited plan, XXXX from technical support gave me ticket # XXXX, said this issue should be fixed and ticket to be completed in 72 hours. 
On XX/XX/XXXX contacted XXXX again with the same issue and other questions regarding my bill. XXXX from Tech took the call. 
XXXX decided to send me a mobile hot spot so I would not drop calls at home or near my house. 
In XXXX I decided to leave XXXX and returned the mobile hot spot. XXXX doesnt not have a very effective way of keeping track of certain transactions and they failed to credit my account. On XX/XX/XXXX I noticed that I had been charged approximately {$200.00} ( XXXX XXXX dollars extra ) I contacted XXXX and I spoke to XXXX and XXXX, one was a supervisor, I asked why the {$200.00} extra charge? I asked him to find out if they had received the mobile hot spot, XXXX said that a port in Texas had received on XX/XX/XXXX at XXXX am Received by XXXX XXXX Delivered to XXXX XXXX Tx XXXX Dock Tracking number : XXXX Again, XXXX has made me waste so much of my time, has put a lot of stress on my life, has given me so much anxiety for the threat that they are going to send this collection and ruin my credit. XXXX received this device shortly after I cancelled my service with them in XXXX. If they had well trained and reliable workers and a reliable way of keeping track of transactions and mainly of returned devices. I believe XXXX has committed lots of fraud with many other customers who do not keep records, those customers either take the hit on their credit report or pay XXXX what they dont owe. I wanted to fight this case because I did not find it fair to have XXXX ruin my credit nor have to pay XXXX for a device ( mobile hot spot ) that I do not owe.
Product: Debt collection

Fox Collections has refused to provide enough information for me to certify this debt belongs to me. I requested Validation of this debt ( Acct # XXXX XXXX ) and my letter was received by Fox on XXXX XXXX 2015 by certified mail. Fox sent me a letter stating that they had verified my name and address ... nothing else sent. I have attempted to contact the original creditor on file, but they are now out of business and the new company is not servicing their old debt, nor has any record of it. 
Validation request was dated XXXX XXXX 2015 and Fox received it on XXXX XXXX 2015 ( see validation letter attachment ). Fox 's response was received XXXX XXXX and contained no detailed invoice and simply stated my name and the amount owed ( see attached evidence ). After speaking with the representative on the phone I was informed to sign and send in the authorization form at the bottom of the letter they sent. I did so on XXXX XXXX and still have received nothing in the mail. While speaking with the representative I located what I thought might be an EOB relating to the debt in question. The Fox representative and I both agreed that it was not and this EOB did not relate at all to the debt in question. I sent in a second validation letter dated XXXX XXXX 2015, received by Fox on XXXX XXXX 2015 at XXXX ( see attached USPS return receipt and XXXX validation letter attachment ). I have yet to receive a response to this letter. After reviewing Fox 's response and evidence to my XXXX complaint I can only concur that I was correct in my initial evaluation of this alleged debt not being mine because they can not provide me with further details from the actual company. The attached evidence that Fox provided on the XXXX website is from there own files and not the alleged original creditors ' database.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent Equifax a dispute letter via US mail disputing a derogatory listing on my credit report. In my letter I formally requested that Equifax provide me with copies of any documents associated with the derogatory account ( XXXX XXXX XXXX ) bearing my signature. If, in the absence of any documentation bearing my signature, please delete the negative listing immediately. Upon completion of their investigation, Equifax stated that the account has been verified. On XX/XX/2018 I sent Equifax a second letter, in my second letter I requested the description of the procedure used to determine the accuracy and completeness of the information listed within my credit report. The name, address, and telephone number of each person contacted regarding this account, any documentation provided that is related to this account, and there method of verification according to FCRA 611 ( a ) ( 7 ). By federal law I have the right to request such information, however Equifax has failed to comply or provide me with any of the requested information. Given that I believe Equifax is acting in bad faith, and have not complied with the FCRA, I am filing a complaint with the CFPB. I hope that Equifax will take this matter serious, and realize what kind of impact, that there negligence has caused. I have experienced a tremendous amount of hardship and stress dealing with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following negative items on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not my name. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX ( ACTIVATED RESV ) - This is not my name. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not my employer. Please delete it immediately from my report. 

As per the FCRA, it is the responsibility of the credit reporting agency to ensure the accuracy of information on my credit report. I have no record of the accounts listed above and believe that they do not belong to me. Therefore, I am requesting that you remove this inaccurate information from my credit report as soon as possible, in compliance with the FCRA. 

I also request that you provide me with a free copy of my credit report, as allowed by the FCRA, once the inaccurate information has been removed. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Debt collection

ncb managment service report to credit report burea they told me they will not but they did to destroy my everything want to deleted ncb managment service from credit report and take legal action to stop collections communications, i have to do what ncb managment serivce told me to do,
Product: Credit reporting or other personal consumer reports

Re : Urgent Dispute of Unauthorized Reporting Under 15 U.S. Code 1681b Dear [ Furnisher ], I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX Account # : XXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file.

Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature.
Product: Mortgage

Case number : XXXX Filed XXXX/XXXX/XXXX I filled bankruptcy, including my mortgage with Rushmore Loan Management in XXXX and it was discharged XXXX XXXX, XXXX Creditors are supposed to cease reporting negative items after the notice of bankruptcy being filed and creditors discharging items. I am protected through the bankruptcy against any further consequences for this loan. After several credit disputes, Rushmore continues to report derogatory information on my credit reports. They will not remove the comments " settled for less than the amount owed ''. This comment along is not allowing me to get a mortgage to purchase a new home. ( XXXX was the lender at the time of the Bankruptcy ) Rushmore response XXXX/XXXX/XXXX We have conducted an investigation and corrected the error asserted within the received correspondence. Rushmore has confirmed that the Chapter XXXX Bankruptcy case you filed was discharged on XX/XX/XXXX. Please note that Rushmore submitted an update on XXXX XXXX, XXXX, to the main credit repository agencies to reflect the Loan as Closed, Discharged Chapter XXXX Bankruptcy. Please allow 30 days for the credit bureaus to update your account with them. We apologize for any confusion or inconvenience this matter may have caused My current complaint that still needs resolution. XXXX/XXXX/XXXX The words " settled for less than owed '' are the words that still need to be removed. This is the statement that is not allowing me to get a new home loan. I filed the BK over 6 years ago and this does not affect my ability to get a home loan. What I need the letter to say is " to remove all working related to settled for less than owed. '' What it should say is just Ch XXXX BK and give directions to the XXXX to remove all other verbiage more specifically to remove the " settled '' verbiage. I discuss the last letter you sent with the Bureau 's and unless it tells them to remove the " settled '' working, they will not remove it. Again, this is the working that is not allowing me to get a new home loan and as I file BK against the loan XX/XX/2009, I am no longer responsible for the loan and it can not go against my credit after the BK. Please address this issue immediately so I do not lose the home that I have an offer on.
Product: Debt collection

I rented a small truck from a XXXX on XX/XX/XXXX. I returned the truck on the same day, as documented in the enclosed receipt. 
I was charged for 2 days of rental. 
I contacted the merchant who refused to make the adjustment. I contact the Bank XXXX XXXX ) who investigated the matter over several weeks and confirmed that I was correct. 
The Bank issued a credit for the extra day of rental and made a payment for all other charges. 
I received a letter from a Collection Agency Vengroff Williams Inc, that I need to pay the full amount ( even though the merchant had been paid by the Bank for total amount minus one day of rental charge ). The Collection Agency has threatened to submit this to the Credit Agency by XX/XX/XXXX. 
I have contacted the Collection Agency over the phone and via emails, but have not heard anything back. 
Please help.
Product: Debt collection

i have a collection account on my credit report from portfolio recovery which is the company that purchased the fraudulent account from a company by the name of XXXX XXXX in the amount of {$1000.00}. I have tried to dispute this account on the XXXX website as well as by mail. I believe i mailed the validation letter in XX/XX/2023. I was sent a credit card statement as supposed proof that i owned the fraudulent account. There are currently remarks on my credit report stating that portfolio recovery did a FCRA investigation and that the customer does not agree. I do not agree to paying these fraudulent charges.
Product: Mortgage

I got a forbearance during covid due to XXXX XXXX XXXX XXXX being shut down. I lost all my income for a year and two months. I live on XXXX and the whole island was closed off with no tourism. Ive attempted to make repayment and have even sent a XXXX $ check. They wont accept a re payment plan snd want all the money at once. I need help ASAP.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or resolve the following inaccurate accounts in my report : 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: Payday loan, title loan, or personal loan

Voluntarily sought period loan for tires and wheels from a local vendor. During the transaction I was not given a contract, payment plan, or any clauses or provisions regarding interest rate. This occurred XX/XX/XXXX, a day before departing on official business to Maryland for two months. During my trip I noticed payments were automatically debited to my bank account from XXXX XXXX XXXX. I called to inquire. The representative assured me that the payments would take care of the balance, automatically deducted from my account. Relying on the automatic for much of the year. 
Months later, this XX/XX/XXXX, I noticed the payments continuing past the balance, {$1400.00}, the amount of funds paid to American First was {$1700.00}. I inquired again, it was then I was given a copy of the contract and payment plan. As is, the interest rate was 144 % with a total of 39 payments for a total over {$3800.00} I informed American First I would be file a formal complaint and suspend payment due to their practices and lack in Truth-in-Lending.
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX transferred their credit card affiliated with XXXX to XXXX ( First National Bank of Omaha ). I received the new card in the mail and followed the instructions. Their website loaded after about 5 attempts and when I finally got it I received an error page that stated, " sorry, we can't access your account. '' Which I thought was odd. So I tried calling and called three different numbers i found and all of them stated, sorry we are experiencing heavy call volume and then it kept repeating that it couldn't help me so I hung up. I also received a credit alert from my credit monitoring report that I have charges that exceed over {$2000.00} of what my balance should be which leads me to believe that someone is charging on this new account since I haven't used the card! I also tried emailing them but the website does not register and gives me an error ( I am tech savvy so not sure why this is happening and I opened it up on XXXX  and XXXX and both don't work ). Just all error messages and not I'm afraid that this will ruin my credit report 's good standing. I have no idea why XXXX XXXX XXXXXXXX did this! I am frustrated that this new credit card company is ruining everyone 's credit! I can't even make a payment if I wanted to. I also have everything documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed credit inquiries with Equifax band they open and close my dispute in the same day with the same Generic response they dont even investigate. I need help someone is applying foe loans and Equifax wont stop it or remove the inquiries. The list of inquiries are below 1. XXXX XXXX  Inquiry : XXXX. XXXX, XXXX 2. XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX 4. XXXX  XXXX Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX 7. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a tax lien showing up on my experian report when I do not nor have I even had a tax lien in my name under my social security number!!!!! I need this off my report!!! This company is a scam and I will sue them due to personal injury because of this!
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 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: Mortgage

I paid off my mortgage loan with Ocwen Loan Servicing , LLC on XXXX XXXX, XXXX ; however, I have not yet received the lien release document. 

I first contacted Ocwen regarding the lien release document in XXXX XXXX. I was told it could take up to 6 months, depending on the county and state of record. I waited and made several calls during XXXX, receiving the same standard " it takes time. '' On XXXX XXXX, XXXX, I insisted that my call be escalated to a supervisor. I was told that according to notes on my account that my file had been forwarded to the legal department on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I was notified by XXXX ( XXXX ) that my case had been turned over to the Lien Release Department. Someone in Lien Release needed to work with XXXX XXXX, the company from which Ocwen purchased my mortgage loan. 
On XXXX XXXX, XXXX, I contacted Lien Release, requesting an update. 
On XXXX XXXX, XXXX, I was told that my file had been transferred to legal and it might be several months before the issue was resolved. 

I reminded the lien release rep that my file had already supposedly been forwarded to legal and that I had paid my loan off 21 months prior. I was not given any contact information for the legal department. 
As of XXXX XXXX, XXXX, I have received no update from legal or anyone else at Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date XX/XX/2022 I submitted a Dispute to XXXX, & XXXX concerning information being published on my credit report. Unfortunately they have yet to correct my credit report and as a result my financial life is being dramatically affected. 

In accordance with the Fair Credit reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. XXXX XXXX XXXX XXXX XXXX has violated my my rights. 

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692 Section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or a time, or place known or which should be known to be inconvenient to the consumer. 

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.
Product: Checking or savings account

I was charged with a great deal of overdraft fees from the time I open my account until I was forced to close my account due to XXXX of over draft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

The IRS has sent me notice that this account has been satisfied! This account is still being reported as debt and income can not be reported as debt. 

Your company can not report income as debt. This account is settled per IRS and MUST be deleted immediately. 
I did not give permission or written consistent to furnish this information on my report. 
I am a private citizen this is in violation. I have a right to privacy. 

These are the accounts that were excepted by the IRS AND SHOULD REFLECT AS PAID as agreed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equity is my GOD GIVEN RIGHT!
Product: Vehicle loan or lease

I leased a new XXXX XXXX from General Motors Financial Company , Inc. ( " GM Financial '' ), and they are continuing to deduct lease payments from my bank account even though, due to an accident, my car was declared a total loss and the lease was terminated. 

I leased my XXXX XXXX from GM Financial in XXXX. On XXXX XXXX, XXXX, I was in an accident. We notified our auto insurance carrier and our XXXX dealership of the accident that day, and GM Financial early the following week. My insurance company inspected the car on XXXX XXXX, XXXX, and declared it a total loss the same day. That same day, XXXX XXXX, XXXX, my wife again spoke with GM Financial. GM Financial knew about the accident, had spoken with my auto insurance company, and already were in the process of working with their gap insurance company to cover any portion of the resulting loss that would not be covered by my insurance carrier. 

Also on XXXX XXXX, XXXX, during that same phone call, GM Financial told my wife that we were responsible for the lease payment for XXXX XXXX because our auto insurance company declared a total loss after that payment already had been scheduled with my bank ( which we said was fine ). We were told there would be no additional lease payments. 

On XXXX XXXX, XXXX, GM Financial - without authorization - deducted another lease payment from my bank account. I attempted to contact GM Financial by phone on XXXX XXXX, XXXX to resolve this issue. They have a recording saying that due to a system upgrade it is impossible to speak with a customer service representative until XXXX XXXX, XXXX. I was unable to speak with a person or access my account electronically. On XXXX XXXX, XXXX, I also sent GM Financial private XXXX messages - their suggested message for contacting them until XXXX XXXX, XXXX - including a description of the problem, my name, my address, the date of the unauthorized payment, the exact amount of the unauthorized payment, and the last four digits of my social security number. On Monday, XXXX XXXX, XXXX, I received a response telling me that " we are unable to review your account. '' GM Financial has yet to resolve the situation or even contact me to discuss.