23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These accounts are reporting inaccurately and its unfair debt collection practices. These accounts have different amounts for each bureau and XXXX XXXX XXXX account is reporting twice on my report with different amounts owed which is misleading and unfair debt collection practices. These accounts are hindering me from obtaining a vehicle for my business that will allow me to make more income. These XXXX companies hasn't been verified by the company and they haven't provided me all proper documents saying the balance is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 & 15 U.S. Code 1692 - Congressional findings and declaration of purpose U.S. Code Notes prev | next ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

I demand that these accounts be deleted within XXXX days before filing litigation. These accounts are hindering me in more ways than XXXX.
Product: Debt collection

They send me a letter with a collection debt, I can not afford to pay that amount, and they keep calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received financing from Tower Loan to purchase a mattress in XX/XX/XXXX. Unfortunately, I had to file for bankruptcy in XX/XX/XXXX. Tower Loan violated the stay when their Regional Manager, XXXX, wanted payment on the account in XX/XX/XXXX and then belittled me for not being able to pay " such a small amount. '' I also filed a dispute regarding the account being listed with a balance and the account was updated to accurately reflect that it had been included in the bankruptcy. The bankruptcy was discharged on XX/XX/XXXX.  I have scheduled 3 attempts with Tower Loan for them to pick up the mattress. The first time was XX/XX/XXXX after the branch manager XXXX, called my work wanting payment for the discharged debt and I declined. He then called me again later that evening wanting payment for the discharged debts and when I continued to decline, we agreed to have the items picked up after XXXX on XX/XX/XXXX. No one came. XX/XX/XXXX, XXXX from Tower Loan called stating that the person who was to have picked up the items on the XX/XX/XXXX had hurt their leg and was unable to do so and we set up another time, XX/XX/XXXX after XXXX. Again, no one showed. XX/XX/XXXX they called my bankruptcy attorney making false claims that I was attempting to hide the property and that they had never set up any previous dates with me to obtain the recliner and mattress. I explained to my attorney these calls between Tower Loan and myself were recorded, therefor, I had proof these days and times were previously arranged with them and who then told them they had one last attempt to pick up the items and that was set up to be XX/XX/XXXX at XXXX. XXXX XXXX XXXX arrived on time on the XX/XX/XXXX and got the recliner that was purchased on another account included in the bankruptcy, but when I informed them they also needed to get the mattress stated that Tower Loan had not advised them to get it and they would not be taking it. They had me sign that they had picked up the recliner and I made a copy for myself which clearly stated 1 # to be picked up and returned to Tower Loan and listed the recliner and it 's serial number. Today, not only did Tower Loan call to harass me again over an item I have made 3 attempts for them to pick up, but they also placed the account back on my credit report showing a balance, that it 's past due, which it was n't when the bankruptcy was filed and that it is open. This violates Federal Bankruptcy Laws.
Product: Credit reporting, credit repair services, 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 XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but XXXX are reporting it as a XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have previously submitted complaints against discover. In short, the current debt collector ( McDaniel Lloyd ) has not properly validated the debt and has made negative remarks on my account. Ive requested that they validate the debt and proof they have authority to collect it. They have not done so adequately. Specifically, they have failed to make a prima facie showing they have authority to collect under some instrument of assignment or purchase of debt.
Product: Debt collection

Did not receive any notification of this payday debt until now. It dates back to XXXX. They r asking for {$1600.00}. It was from XXXX. My question is why did i.not receive any late notifications. It's over 5 years ago. I seem to remember that I had contacted a firm which deals in illegal payday loans and they advised me not to pay. Unfortunately can not remember the firm 's name. I see now that this collection agency has it on my credit report. My husband recently passed away from complications due to XXXX. I can not afford any more payments at this time. Can u please help me. The name of th he collection agency is Debt Recovery Solutions. I'm suppose to respond by XX/XX/XXXX XXXX
Product: Checking or savings account

Between XX/XX/XXXX, XXXX XXXX, XXXX  Truist Bank , initially charged me XXXX {$36.00} fees totaling {$3900.00}. All the money that enters my account is child support income. Due to loosing XXXX XXXX  in XXXX I have not been able to return back to work.
Product: Student loan

I recently found out that I was involved in a third-party debt relief scam through Fedloan servicing however the payments that were supposed to be going towards student loan payments were going to Cornerstone Prep instead. In XX/XX/XXXX, I called Fedloan after I had been sent a few letters in the mail and they enrolled me in an IDR plan at $ XXXX with the promise that the money would go to my student loans as qualifying payments ( after I paid two payments of $ XXXX {$890.00} total ) and submitted enrollment forms via the mail ). I had been paying $ XXXX since XX/XX/XXXX up until XX/XX/XXXX {$1600.00} total ). I tried to contact Fedloan but they have since dissolved and Cornstone Prep 's customer service number no longer works as well. I have since reported this to my bank and XXXX, my new loan servicer for the Department of Education.
Product: Credit card or prepaid card

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Product: Debt collection

Leopold & Associates , PLLC, a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX, has taken me to court in an attempt to collect a mortgage debt on which the statute of limitation has expired. In the State of New York, the Statute of Limitations is six years from the date of the last payment made. My last payment was made in approximately XXXX. Foreclosure papers were served on me in XX/XX/XXXX so even if we take that date as last payment made, ( which is not possible ) the six year Statute expired in XX/XX/XXXX. 

Leopold has all of the documents, mostly generated by the mortgage servicer, XXXX, that contains the date of my last payment, so they are aware that the six years had expired, yet they knowingly pursued the foreclosure action against me.
Product: Checking or savings account

This is a complaint against Chase Bank XXXX I purchased airline tickets from XXXX pre pandemic on my debit card. We never took the flights and XXXX gave us a refund. Chase is saying they never received the refund which was sent on XXXX. The original debit card i used was closed out and a new one was issued sometime in XXXX XXXX XXXX. I have the XXXX transaction numbers from XXXX showing that transactions. I also have receipts from XXXX showing the refund to Chase. I have been back and forth with Chase countless number of times to no vail. Just yesterday I spoke with a Chase XXXX and they said I needed to file a claim.. After all this time it is the first time chase is telling me I need a claim but it may be too late as it is longer than 2 years There are 3 different transactions for 3 separate tickets. The amount of all 3 transactions is over {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation results. XXXX  is reporting XXXX credit as open account, collection and derogatory account at the same time which is in violation of the credit bureaus and my rights. XXXX  is also reporting XXXX and Portfolio which has been deleted of XXXX  .I demand the credit bureaus take off everything I didn't authorize. The companies owe me {$3000.00} dollars for violation my rights. Thanks
Product: Credit reporting or other personal consumer reports

Request to Block Information Due to Identity Theft under the FCRA I am writing to formally notify you that I have been the victim of identity theft, which has resulted in inaccurate or fraudulent information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block this information from my credit file without delay. 

The relevant portion of the FCRA mandates that credit reporting agencies block the reporting of any information that the consumer identifies as resulting from identity theft within XXXX business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information on the credit report ; 3. A statement from the consumer indicating that the information does not relate to any transaction they made. 



I am confident you will act promptly in accordance with Section 605B of the FCRA to block this information from my credit report. Please send a written confirmation once the information has been blocked. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Your agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following account does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not open this account and this account does not belong to me. This collection is inaccurate, please delete from my credit report. 

In lieu of the Fair Credit Reporting Act which states, Whenever a consumer reportin agency prepares a consumer report, it shall follow REASONABLE procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681e ( b ) ) These are compliance procedures that you MUST adhere to. You have failed to do so. My credit report is required by federal law to be 100 % accurate and 100 % VERIFIABLE. I am requesting that this account be re-investigated and VERIFIED through physical proof in the form of the original creditor contract with my bearing signature as well as an explanation of the verification method used to make your final determination. I am afforded this right through FCRA Section 611. Additionally, please investigate each and every notation on these accounts. If you are unable to verify these accounts and their accuracy, with physical proof ( the original contract ), or any other proof, in the form of physical documentation, these accounts must be DELETED in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ). 

I am also requesting a description of the procedure that was used to determine the accuracy and completeness of this information. Please also forward this information, with the verifiable proof of these alleged accounts belonging to me to the address listed on this letter. You have 30 days to complete this re-investigation. I am confident that you will find this account was ilegally furnished onto the wrong credit report. PLEASE DELETE AS SOON AS POSSIBLE. I am confident your agency will practice integrity and delete this account swiftly to avoid further escalation and invoicing for each violation in the amount of {$1000.00} USD per violation, as well as, invoicing for defamation of character and willful non-compliance. 

Please send an updated copy of my credit report showing these changes to the address listed on the header of this letter. 

I appreciate your due-diligence in resolving this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I have not used a signature to avoid forgery in the investigation process ) I have enclosed documents that verify my identity : Identification Social Security Card Utility Bill
Product: Debt collection

XXXX XXXX has already petitioned me. I responded and have been trying to resolve the matter via regular mail, certified mail, email, and numerous phone calls. 
They responded with the amount and the payments but failed to correct the amount owed after the payments and are trying to still collect on the original loan. 
I talked to a person today after XXXX attempts in XXXX ( with detailed messages ) trying to come to a settlement. Today, I was transferred to a supervisor and went right to voice mail. 
The company has a horrid reputation on the web. The debt is not their original debt. the bank is XXXX in Utah, whom is being investigated by FDIC I found. 
The constant lack of manpower or tactics is pushing people to their limits unnecessarily and I have a bench trial in 7 days for this debt. 

I have been agressively proactive in trying to resolve the matter with payment plans and they are rarely available and when I finally was able to speak with someone today, she stated I am not correct, etc. when even their documents show my payments and the original amount. 
Please help. With upcoming student loan payments, this is already pushed my credit score below XXXX and is not sustainable.
Product: Mortgage

My father and stepmother ( both passed away in XXXX ) had taken out a home equity line of credit with Bank of America in XXXX. After the passing, we put their home up for sale. We found a buyer and the home was supposed to close on XXXX. The title company located this XXXX line of credit and showed it was still in force. No one was aware that this deed existed prior to the title search. The closing attorney in Georgia attempted to contact Bank of America on several occasions to get the deed cancelled. They were unsuccessful. As Executor of the estate, I told matters in my own hands and went to my local ( XXXX Florida branch ) on XXXX XX/XX/XXXX to try to resolve it. I was put in touch with an investigator, who told me that the deed was not in their digit system. This would require a hand search. He told me that it would take 3 to 4 days to get solved. The case number was assigned ( # XXXX ). Today XX/XX/XXXX, BOA notified the closing attorney that it would take 15 days to resolve this. This is completely unacceptable. I have buyers who are ready to walk. I have allowed them to move in pre-closing because I thought this would be resolved this week. BOA 's failure to resolve this is costing the Estate and the buyer money for each day this goes on. This need to be resolved yesterday and not 15 days from now. The latest correspondence from BOA is below : Thank you for submitting the necessary information required to review your lien release. Please be assured that we are working to fulfill your request. We ask that you allow 15 business days for completion. Status updates are not available via email. For all status and questions, please contact Customer Service at ( XXXX ) XXXX and provide reference number XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX pulled my credit without my authorization.
Product: Debt collection

A collection company named XXXX XXXX, called my place of work to attempt to collect previous balance owe on rental move out. I have disputed the amount of {$170.00} with property manager as that should have covered it from the security deposit. There were fees added that did not add up and now sent me to collection. This is highway robbery and not right.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX all my XXXX  loans were written off and paid off by the US Treasury as a response to Covid. Completely brought down to XXXX XXXX After Biden was voted into congress my account was contacted personally by the US education department who apologized and told me the balances were being returned to some accounts. I was told to file a dispute so that it would remain at XXXX $ and paid. Which o filed. In XXXX the US Department RETURNED MY BALANCE TO {$42000.00}. 

Limiting my financing abilities and opportunities as a small business owner. 

Its ludicrous that they can remove a balance receive funds from the give and turn around and return balances to whomever they choose. 

Its an injustice.
Product: Checking or savings account

Huntington is refusing to provide me a XXXX XXXX notice for held funds and they are also refusing to provide me information such as account balances and online banking access. They told me I am not able to use the account for upwards of 60 days.

Huntington is also not allowing me to make a deposit, or mobile deposit to the account and they are stating that they will charge me a fee if I do not make a deposit, even though I am willing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTACHED TO THIS COMPLAINT ARE SUPPORTING DOCUMENTATION FOR MY OPEN DISPUTE WITH EXPERIAN. THE FILES WERE TOO LARGE TO UPLOAD ON EXPERIAN.COMXXXX XXXX THESE DOCUMENTS ARE FOR MY OPEN COMPLAINT # XXXX WITH CONSUMER FINANCIAL PROTECTION BUREAU XXXX I WOULD THESE SUPPORTING DOCUMENTS INCLUDED IN MY ONGOING DISPUTE AGAINST XXXX FOR EXPERIAN REPORT # XXXX. THANK YOU EXPERIAN. 

THE SUPPORTING DOCUMENTS WILL SHOW THAT XXXX HAS NEVER REPORTED ME DELINQUENT TO THE TWO OTHER CREDIT BUREAUS SUCH AS XXXX AND XXXX ( SEE ATTACHED CREDIT REPORT ) THERE ARE NO SOFT/HARD INQUIRY ON NEITHER REPORT, ALSO ATTACHED ARE MY OFFICIAL POLICE REPORT, AND FTC AFFIDAVIT .
Product: Mortgage

Good morning I contacted Fifth Third bank yesterday to ask why they havent taken off PMI since loan is down to 78 % loan value below that and they still are saying they dont have to because they dont know the value but I thought that doesnt matter now that its below 78 % as federal law says they have to take it off so an appraisal or broker opinion doesnt matter. Its federal law to take it off, but they still wont? Why wont Fifth Third bank follow federal law??