23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

During the pandemic I fell behind on my payment. I have been making payments almost every week of XXXX here XXXX there and C & I financial was taking the payments. I had about XXXX left to pay when they repaid my car today on XX/XX/XXXX. with no warnings no letters and no emails saying they were going to reposes the vehicle. I am very upset to find out I bought the car in 2019 and they are saying out of all the payments I made for XXXX $ a month that I have only paid XXXX towards the car! Where did all the rest of the money go? I am asking for a bill of particulars to breakdown where all my money went. The repo company they hired was XXXX XXXX XXXX which I am also putting in a complaint because they violated consumer policy rights under 15 use 1692. I want both companies to be held liable for their actions. This is considered theft and I know as a consumer anything that they had to run my social for is considered pre paid under the truth and lending act they are violating.
Product: Debt collection

For some reas on Convergent has not sent me proof o f my obligation of this alleged debt as requested and continues to report this trade-line to the  XXXX  major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed.     I disputed this account directly with Convergent on  XXXX   XXXX ,   XXXX  . To date, Convergent continues to ignore my requests and they continue to ignore my consumer rights.     I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted.     Who verified this account? What documents did they use to verify? Where are the documents used to verify?     The only correspondence that I received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention tha t Convergent know th ey can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Convergent is blatantly disregarding the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on my mother 's XXXX credit card. She passed away in XXXX of 2022. The account is being reported on my credit report with late payments. I have written letters to the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/ 2022 requesting the account and the late payments be removed from my credit report. I have not received a response from the credit bureaus. This account was not mine. The account and late payments are hurting my credit score.
Product: Debt collection

Several months ago, I was contacted by XXXX XXXX XXXX in XXXX XXXX CA about a debt they said I owed to XXXX. I filed a complaint with the FTC and thought this nonsense was over. The debt collector stated that the address for the debtor was for a XXXX XXXX in Texas. I have never lived in Texas and never had a XXXX account. This morning the same person who harassed me before called my XXXX year old mother in Michigan looking for me. I do n't know how he obtained her phone number. My mother called me in a panic and told me about the call. I called the company and the person who answered was XXXX XXXX. 
He did not sound like a XXXX XXXX since he did not speak English very well. I had filed a complaint with you before so I would like this harassment to stop. I do not owe this money since I never lived in Texas and never had a XXXX account. This also happened to my sister a few years ago with a fake XXXX account. She had to give them a list of addresses she lived in but the harassment finally stopped. 
I also want to know how they even got my mother 's phone number since she lives in Michigan and I live in California. I do not even have the same last name is her since she remarried in 1990s. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX
Product: Debt collection

Was told by hospital that I would only need to pay my co-pay ( {$200.00} ) and that my insurance would pay the balance and/or the hospital would write off the balance in agreement with my insurance company contract - The hospital did not do that and they in fact turned it over illegally to a collection agency who then posted it on my CBR 's!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX caused a denial of my apartment application in which my income is XXXX the rent and I have no debt nor any evictions nor did I even have a social security number on my application as there was no option to put XXXX therefore the information provided by XXXX XXXX is complete unverifiable. Ive constantly reported this matter to Experian as well and as a result it seems as though Experian has not removed the fraudulent accounts from my credit profile. Such as the XXXX accounts etc to no avail. Now I am suffering injury and loss. I have already submitted a police affidavit pursuant to the matter. No affidavit nor verified person in opposition has came forward in dispute.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my identity has been stolen, and I need urgent assistance in resolving this matter. Upon reviewing my credit reports, I discovered several accounts and inquiries that I do not recognize and did not authorize. These fraudulent accounts and inquiries have caused me significant concern. 



To begin addressing this issue, I request the following : XXXX. Please place fraud alerts on my credit files with XXXX, XXXX, and Experian to ensure additional verification is required before any new credit is opened in my name. 

XXXX. I request the immediate removal of any fraudulent accounts and inquiries from my credit reports, as I work to recover my identity and prevent further harm. 



I am currently in the process of gathering additional documentation to support my case and will cooperate fully with any investigation required. Please let me know if any additional steps are necessary to initiate these actions or if you require further information from me. 



Thank you for your time and attention to this matter. I look forward to your guidance and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian Failure to Remove XXXX XXXX Account To Whom It May Concern, I am filing a formal complaint against Experian for failing to remove the XXXX XXXXXXXX account from my credit report in violation of 15 U.S.C XXXX 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I previously disputed this account with Experian, and per the Fair Credit Reporting Act ( FCRA ), if the furnisher of information does not verify the accuracy of the disputed account within the required time frame, the credit reporting agency is obligated to delete the information. Since XXXX XXXX has not provided proper verification, Experian is in violation of federal law by continuing to report this account. The Name on the account is also incorrect. 

The details of the account in question are as follows : Creditor Name : XXXX XXXX. 
Account Number : XXXX Status : Charged-off, {$220.00} past due as of XX/XX/XXXX Balance : {$220.00} Original Balance : {$310.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and require Experian to remove this account from my credit report as mandated by law. Additionally, I request written confirmation from Experian once the account has been deleted. 

Attached to this complaint are copies of my Experian credit report and any relevant dispute correspondence. 

Thank you for your prompt attention to this matter. 

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

Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with Whitney ( XXXX XXXX ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting corrected. Their incorrect reporting has caused denial in  employment. I was assured the errors would be corrected asap. The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" Whitney sent a XXXX  in XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently WhitneyXXXX XXXX is in violation of Federal and State of  Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge.
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX. All documents have been supplied to the creditor on several occasions. Discharge documents can be supplied again if needed. 

Copies of bureaus incorrect reporting is attached.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  account names : XXXXXXXX XXXX XXXX from XXXX  on XX/XX/XXXX, date reported on XX/XX/XXXX. 
XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/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 whithout my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Account Inquiries XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Vehicle loan or lease

My BMWF Services account is past due for XXXX and XXXX, XXXX payment is due on XX/XX/XXXX. Due to XXXX XXXX, my employer, XXXX XXXX  XXXX, is expected to shut down temporarily.. That being said, income will be limited. I will continue to make payments to attempt to cover past due amount, however, I request BMWF to hold off payments until operations resume. I do not want to risk repossession. The XXXX payment is coming due soon, I request BMWF hold off billing and payments, possibly apply them to end of loan. Further, I am expecting an inheritance soon, I have attached a screen shot from attorney handling estate showing estimated amount I expect to receive. According to the email, disbursement of funds from estate is expected to occur this month or next.. Once I receive payment, I fully intend to pay off loan which I can do as I expect to receive at least 300k. I request BMWF to hold off billing starting with XXXX or allow me time to pay off loan in full before repossession.
Product: Student loan

MOHELA has made multiple illegal " mistakes '' with my federal student loan account as described below. 

I have now over-paid MOHELA by {$2400.00} in order to try to achieve the simple goal of bringing my loans marked as fully paid through XX/XX/XXXX ( the date of my final XXXX payment toward Public Service Loan Forgiveness ). I will recount Mohela 's " errors '' below : XXXX ) The company illegally increased my income-driven payment amount from {$800.00} ( the legally-backed income-driven payment amount from XX/XX/XXXX when federal loan payments kicked back in until XX/XX/XXXX ). The company refused to fix this error with a variety of excuses saying they " can not access anyone 's income-driven payment amounts at this time '' and unless I pay the amount they are over-charging my account, it will be marked as delinquent. 

XXXX ) I over-paid to try to avoid their incompetence impacting my loan forgiveness by over-paying by {$2400.00} in an effort to bring my account up to date as fully paid through XX/XX/XXXX. I did this despite the fact that they are illegally over-charging me, and I paid the exact amount that they are over-charging me, all the way through my XX/XX/XXXX payment. Note, I paid XXXX in advance to try to avoid their incompetence in not posting my payments on time to the account, which they have done multiple times. 

XXXX ) My account now has record my full payment amount, yet the company STILL HAS MY ACCOUNT MARKED AS DELINQUENT. They are telling me that although I fully paid the amount they are over-charging me, my payment was posted to the wrong account number, resulting in my account still being marked as late. Most recent phone call, XXXX XXXX ID XXXX tells me that the payment I made was allocated to the wrong account number and that the company will " try to fix the mistake but they can not give me a time frame on when it will be fixed. '' ALL OF THE COMPANY 'S ABOVE ACTIONS ARE ILLEGAL AND I DEMAND THAT MY ACCOUNT IS FIXED NOW. MY ACCOUNT IS FULLY PAID THROUGH XX/XX/XXXX YET MY LOAN FORGIVENESS WILL NOT BE MOVED FORWARD UNTIL MOHELA CORRECTS MY ACCOUNT TO REFLECT MY FULL PAYMENT THROUGH XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I urgently request the removal of these inquiries from my credit report as they do not belong to me, and I have no affiliation with the listed creditors.
Product: Mortgage

My mortgage company has raised my mortgage by an extra $ XXXX. They are basing this increase on a projected $ XXXX insurance amount. But my insurance has not gone up in 2 years and its only $ XXXX at the moment. Ive been told that the only way get my mortgage down is to find insurance that is the same amount is was 2 years ago.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX with account number XXXX Addresses XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : XXXX. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
XXXX. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
XXXX. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved by deletion of account immediately for which this is the XXXX attempt for your company to provide all requested information. This company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. 

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all XXXX agencies this account has been reported which are as follow : Equifax, XXXX, XXXX. All XXXX must show accuracy from verified and validated the reported update accounts or deletion of account.
Product: Debt collection

I tried to arrange a payment plan with IQ Data Inc. I provided my unforseen circumstances. Was told they cant take my payment plan and further action would be taken. Said my account would be marked as a refusal to pay and they move further. Told her I am not refusing to pay. She said she would not take my payment an proceeded to state legal action would be taken. Told them I was unemployed but recently got a job and could be pay consistently but said no. Threaten to take legal action. Advise I want to pay but was she refused to take my payment
Product: Money transfer, virtual currency, or money service

I had my cash app account for years and never really had a problem with them but my cash app account was closed for no reason and I was never told why or what the problem was it's been almost a year since and I still don't know what happened and why all I was told was to look at the service terms but that says nothing about what I did or didn't do with no warning or anything I don't do XXXX or anything illegal I don't transfer large sums of money and when I do transfer money it's always small amounts unless it's my part of the rent I give my sister for living here I only transfer money with my sister and my neice and a couple friends so I don't know what is the problem I have asked them several times in the past and was never told anything they just closed my account for reasons I still don't know
Product: Mortgage

Loan servicer : Newrez mortgage servicer ( https : //www.newrez.com/ ) On XX/XX/year> I contacted my loan servicer about a " real state tax statement '' I received in the mail with the amount of {$920.00} due on XX/XX/year>. I asked if I needed to pay that and they assured me that I should not and the bill will be paid from my escrow account. 

On XX/XX/year> I received a " Delinquent Real Estate Tax Bill '' in the mail with the amount of {$990.00} due on XX/XX/year> from the XXXX XXXXXXXX XXXX stating the bill has not paid yet. {$75.00} penalties and interest was added to the original amount. 

I then contacted my Newrez and they claimed they have no record of receiving such a tax document and it was my responsibility to pay that. I then brought to their attention that from my last call with them they asked me not to pay for the bill. After a series of weekly calls, they agreed to pay the bill, however, they also paid the {$75.00} penalty from my escrow account. 

I believe I should not be penalized because of being misinformed by them and they should be responsible for paying the late penalty fee. I called them about this multiple times, they agreed that they should not have asked me not to pay the bill, however, they also will not pay for the penalty. 

After making numerous calls, I think you are my last resort. I believe I should be responsible for the penalty because of the incompetency of my mortgage servicer. 

Thank you
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. 

XXXX Bank : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.