23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THE MEDICAL BILLS ACCORDED ON XX/XX/18 AND THE EMERGENCY ROOM HAS CONTINUED TO TRY TO SUE ME AND GARNISH MY WAGES BEHIND. When I submitted my first complaint with XXXX the company then sold my information to another company with misleading dates which were not the dates the account was XXXX. IF the account did occur XX/XX/18 which would make them near the XXXX exemption for a creditor to continue this XXXX style collection. I am so glad I only had a XXXX XXXX  and NOT covid. But that's how old this debt is. Unfortunately, I will not back down or stop from these illegal practices!!!
Product: Debt collection

Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report I dont recall having this account. I then sent Calvalry Portfolio Service a debt validation letter certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for only an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me and they dont have anything with proof with my signature on it. Then I received a letter stating the collection was sold to XXXX XXXX XXXX. I then send a debt validation letter certified mail on XX/XX/2023 with a return receipt and they also refused to send me any documents with proof of my signature on it. On XX/XX/2023 around XXXX a random guy gives my XXXX a summoned to court for me. I was never notified of a lawsuit against me for a debt they failed to send me validation for without proof. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file an FTC Report ( # XXXX ) last XX/XX/2021. I am a victim of " Identity Theft ''.
Product: Debt collection

IQ DATA INTERNATIONAL has been aggressively violating federal consumer protection laws by falsely representing my debts. As a result, my credit score has been negatively impacted by debt not owed.
Product: Mortgage

We sold our home on XX/XX/year>. XXXX point received the payoff amount that same day. They did not post the payoff until XX/XX/year>. By that time, our normal monthly payment had been drafted out of our account. We stopped payment on the normal payment. Shell point backed out the payoff amount, and held that check until XX/XX/year>. In the meantime, they sent us a refund for our escrow account, plus the amount of the XX/XX/year> payment. On XX/XX/year>, we received a letter stating we owed XXXX to clear the account. XXXX point held the payoff for over XXXX weeks and is now requiring we pay the XX/XX/year> monthly payment plus interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 


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Product: Debt collection

I have have contacted this company to request the verification of the negative items they are reporting. In pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I have requested " ALL '' of the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide your license to collect in my state and your registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. They are listing the items in question to credit bureaus from : XXXX Bank XXXX XXXX XXXX Bank This company has " FAILED '' to provide me with " ALL '' of the items requested above. They have also repeatedly harassed me by phone, mail, and have had individuals show up at my home in attempt to serve me with a lawsuit. I have never gone into a signed agreement or contract with this company and do not owe them for any debt. 

Additionally I am in complete distress due to them violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided this company, the credit bureaus or the banks/companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now.

I am requesting that they discontinue reporting and remove/delete all negative information that they have reported/are reporting to the credit bureaus in regard to the companies listed in this complaint, and for any other companies that they might have associated with my name and/or social security number. I'm also requesting that they stop all phone calls, texts, email, direct mail, social media direct messages, stop sending individuals to to my home and/or work to serve lawsuits and/or collect debt. I would like all forms of threats, and communication to stop immediately. 

Best, XXXX XXXX
Product: Credit card

Here is a list of credit card charges that I did not make with this bank. 1. XX/XX/XXXX XXXX XXXX XXXX for {$24.00} 2.XX/XX/XXXX XXXX XXXX for {$19.00} 3. XXXX on XX/XX/XXXX {$28.00} I had to XXXX what that was to be honest. 4. XXXX XXXX  XXXX {$71.00} on XX/XX/XXXX 5. XX/XX/XXXX XXXX XXXX XXXX {$720.00} I have no idea what this purchase is and it does not sound familiar either. 6. On XX/XX/XXXX {$1.00} XXXX XXXX XXXX XXXX 7. XXXX XXXX {$140.00} I do not have any pets as well not even in this year nor month on XX/XX/XXXX 8. XX/XX/XXXX XXXX  XXXX {$30.00} XXXX XXXX XXXX 9. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX? {$380.00} 10. XX/XX/XXXX XXXX for {$30.00} and {$30.00} as well. 11. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX for {$51.00} and {$54.00} 12. And this last one is a transfer of {$2.00}, XXXX what is this about?
Product: Debt collection

I dispute the presence of fraudulent accounts on my credit report. Despite assurances from banks that these accounts would be immediately removed, they persist on my report. Other bureaus have already corrected this error. XXXX and XXXX have already removed these accounts due to identified errors. It is perplexing that Equifax has not done the same. 
Please remove the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report I noticed that the following accounts listed below are inaccurate and do not belong to me. I did not authorize anyone to furnish these accounts. The open date, date last active, date of last payment are showing inconsistently between all three credit bureaus and furnish information that does not belong to me. The Fair Credit Reporting Act Section 1681c-1 states that a fraudulent account must be deleted after the consumer verifies their identity, also the Fair Credit Reporting Act Section 1681e ( b ) states that if information is inaccurate then it must be deleted. I requested a detailed summary of the investigation that was conducted and never received anything. I have attached my credit report and as you can see nothing has been updated or deleted the accounts are still inaccurate. I have also attached an identity theft report from the FTC. I want these fraudulent accounts deleted immediately. 

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

On XX/XX/2020 I sent a letter pertaining to incorrect information that I've discovered on my credit report. I've waited patiently for some type of satisfying resolution which I demand those items to be removed from my report. I've exercised the correct steps prior to this complaint and haven't received any indication that these matters will be resolved and my patience has become exhausted which leave me no other choice to file for litigation. Section 611 ( a ) it it states that a failure to investigate incorrect item within 30 days give reason to immediately remove those items and it has been well over the required time. My personal information was impacted by the Equifax data breach which I've investigated and discovered as well and I'm it has been abused from some unknown stranger. Again, I demand these items to be removed from my credit report or I'll just take further actions. Thanks in advance for looking into these matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last lease with BMW Finance has a 30 day late showing on both my and my wife 's credit. We were exactly 30 days late as I was out of the country and my automatic payment with my bank expired. I paid it as soon as I learned of the issue ( exactly on the 30th day ) and BMW Finance said that they understood the issue and would remove it from my credit. They didn't ... 

My family has purchased or leased 6 vehicles through BMW finance in the last 10 years ... and this has been the only issue we've ever had, and yet they have significantly harmed our credit as a result. 

Not exactly good customer service given the circumstances.
Product: Consumer Loan

I took out a {$4000.00} loan with Springleaf Financial Services. I applied online for the loan. I went into the company 's office to pick up the loan check and to complete the process.The loan term was to be 36 months, with a payment of {$190.00}. The loan specialist showed where they had applied several insurances unemployment, XXXX, and XXXX different accidental death. I told him I did not want the insurances. 
The worker assured me the insurance would be removed from the loan. The date of stated above loan was XXXX/XXXX/2015. According to Springleaf policy my documents would be emailed to me. I made 10 payments on time .i received {$1500.00} loan on XXXX/XXXX/2015. It was to be same 36 month term as the first loan. Payments were to be {$260.00} a month. As before I did not want the insurance. I received my payment statement for the combined loan with a balance {$12000.00}. I had only borrowed a total of {$5500.00}. I called spoke with XXXX the manager, she told me if I only made the minimum payment it would be the {$12000.00} amount. I went to their office and got the paperwork I never received. I am completely horrified at the amounts I was charged and what was added to not one loan but both! The XXXX loan I was charged {$1100.00} for insurance premium s I had declined. I only borrowed {$4000.00} but it showed I had financed {$5100.00} with pre computed interest added {$3100.00} with the loan term 42 months! This was not the amount and terms I had agreed. The 24 % APR turned out to be 28.86 %. The XXXX loan was combined and another {$2000.00} in insurance premiums added to the original {$1500.00} loan amount. The amount financed was {$7500.00} with interest {$4900.00}. The term was for 48 months This is predatory lending at its worst! I have called and spoke to several staff and managers each time I am told something different. When I said I did not want the insurance on either loans and it was only 36 months. XXXX said I could not pick the loan term duration ... Why was I asked then! The insurance premiums total the amount of {$3200.00} then with pre computed interest added to each payment, over {$5000.00} added to the original loan amount combined of {$5500.00}. I have kept my ground and when they realized I had been charged for the same type insurance twice on the last loan, they made arrangements to refund the premiums of the XXXX loan in the amount of {$2000.00}. I do not find this acceptable. I want the amount of the XXXX loan insurance premium {$1100.00} plus interest that was added to the full amount of {$3200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has listed XXXXXXXX XXXX XXXX XXXX as a collection account on my credit report. This account was not properly validated by Equifax. I reached out to the collection agency to verify this debt because I was unaware of it.I sent them a letter in the mail as well as filed a complaint with the CFPB. The CFPB complaint ID is - XXXX. XXXXXXXX XXXX  XXXX XXXX was not able to properly validate the debt or legally collect debt in my state of residence. They have since ceased acting as a data furnisher and sent out a notice to the CRAs. I have attached the documentation I mailed to the data furnisher, the CFPB complaint, and the XXXX form provided by the data furnisher. 

This account should have never been listed on my credit report. Equifax is not independently verifying consumer information and consumers are suffering as a result. There are laws in place to prevent this from happening and Equifax continues to ignore those laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few hard inquires on my credit reports that I do not recognize. I mailed the 609 letters to each bureau on XX/XX/XXXXth, I never heard back. I then submitted the 30 day letter to comply and still no answer. The credit bureaus are reporting inaccurate information on my credit report and I demand an investigation. They are not upholding the law and the statues and I would like a complete investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 702 states I have the right to privacy ( 15USC 1681 Section 604a Section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I have not given permission for these inquiries and therefore, they are in violation of mg rights under the FCRA. I am demanding that these inquiries be removed from my credit report without delay. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of any inquiries that were not authorized by me.
Product: Student loan

There is a {$1400.00} credit on Account # XXXX XXXX XXXX / Lendkey has stated that the overpayment refund will be issued to the company the aforementioned loan was refinanced through ( XXXX ), but legally the overpayment can, and should, be refunded to the account holder, XXXX XXXX XXXX. I financed, and am financially responsible, for the entire amount that was paid to XXXX XXXX / Lendkey ; therefore, the overpayment should be refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

I have held this loan with Ocwen Loan Servicing for over 7 years and have made various attempts in the past to re-finance loan with them and have been consistently told I could not even though the loan is current. Most recently ( 3 yrs or so ago ) in one of out attempts, Ocwen told me to stop paying the loan so that I can modify the loan. I chose not to do that as it would hurt my credit. I continued paying the loan as scheduled. I received a notice stating I could refinance through a subsidiary of the parent company and when I called, was told that if the property was in transit of being sold they could not do anything for 90 days after it is taken off the market. When I called, the young lady I spoke to asked if I had modified this loan since that is what the record shows. I explained that we did not modify despite them suggesting for us to do it. On the occasion I was told to stop paying so I could modify, I was given that advise without them checking my credit etc. The loan was and continues to be current and now I received a notice from the lender raising my monthly payment by {$75.00}. It seems the only option the Ocwen has given me is to default on the mortgage which is not an option. It seems despite the fact I am a good customer and in good standing, I am being penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost a home to foreclosure in XXXX. The last payment that i made was XX/XX/XXXX. This is reflected on my credit report. This is accurately reflected on Credit Report provided by Tansunion. This is also reflected on credit reports provided by them, to me in XXXX. 
Yet Trans-Union continues to report late payments of 180 days on a mortgage that is now over 10 years old. On XX/XX/XXXX I first spoke with XXXX, then with her Manager XXXX XXXX, who explained to me that until XXXX XXXX XXXX reports the information using the correct term " date of first Delinquency '' rather than " date of last payment '', this will remain on my report indefinitely. Date of first delinquency is XX/XX/XXXX if last payment made is XX/XX/XXXX. But because that exact phrase was not provided i am told the information is accurate. 
I also called XXXX XXXX XXXX, but after being transferred from 3 different departs, i was sent to a dead connection. This information by law should have been removed no later than XXXX, yet it continues to report today and apparently will always be on report. They have the info needed to correct but refuse to do so. Its crazy that such an incompetent company has so much power over a consumers financial future. continues to cost me thousands of dollars in over interest rates and refusal of credit. 
The other reporting agencies each removed this information yet Transunion continues to report outdated information and say they will do so indefinitely. Those are their words not mine
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, incorrect accounts must be removed from my credit report. Could you review the documents? Some of the accounts listed contain inaccuracies, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Experian Acct # 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 card

Aspire credit card company sneaked credit line increases twice in a XXXX month period in order to inflate bills by interest rates and late payment fees. My account billing statements I are continually over the limit which also means incurring additional interest fees and late payments fees each billing cycle. Aspire also wont verify documentation I was told they sent regarding increasing my credit limits. They hang up on me when I ask for proof of anything necessary to correct bills and late fees being reported on my credit reports.
Product: Credit reporting

After previously disputing these erroneous accounts, Experian still deemed the account ( s ) verified. I have no idea how " collection accounts '' can report " past due '' .. Although I never received proper validation, this was another mistake that stood out. They should have been removed from my report. Please see the attached documents
Product: Vehicle loan or lease

On XX/XX/2023 I entered into a loan agreement with Credit Acceptance financing for XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. One week of having the car the battery went bad causing the key fob to malfunction. At first they didnt want to do anything about it but they gave me a battery. One week later the cars gas needle stops working and the car is having hard shifts as if the transmission is slipping. As I take a closer look at the car I can clearly see its been wrecked on the passenger back side.