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

My used XXXX XXXX XXXX was purchased with a bumper to bumper warranty from XXXX XXXX XXXX in XX/XX/XXXX or XXXX 2017. The first event was that the car had rear mirror stated on the purchase agreement that was not on it so they installed an after market camera on the car.Now the rear passenger side bumper is flapping loose so I called them when i got no real clearing of the problem took the car to XXXX XXXX XXXX in XXXX California a certified XXXX Dealer.When XXXX the service consultant looked at the car he showed me where the glue had worn off and 2 clams that hold the bumper were broken.He said the car would have to be sent to a body shop but contact the dealer that i bought it from.I called XXXX XXXX and they said bring it up for them to see. I called today and asked would the car be repaired today and they could not guarantee it would be.In fact tmight have to stay overnight.My round trip would be 1 hour up and 1 hour 15 min back ( 2 hours 20-30 min each trip.This did not involve any accident so it was not my fault but the dealers fault.To simplify they could have let a dealer close to my home fix it as the car is under warranty to help with the poor service and loss of time that I have suffered in this transaction. I called Wells Fargo Bank @ XXXX and they were going to call XXXX. My account number XXXX.
Product: Credit reporting

I tried to open an account with XXXX and I was told that I alredy have an account open with my phone number. Then the day that I was supposed to get the installation I got a few calls from the company. I was told that I had a debt for $ 270+. This is impossible, because I 've never been with XXXX before. I 've only inquired about offers with them. On my credit report I 've seen bills for emergency medical resources. I 've got insurance that covers all my medical bills, so I do n't know where that came from. I 've even seen something for XXXX on there within the past year. I 've been XXXX XXXX XXXX since XX/XX/XXXX, I know it is n't me. I even saw something for XXXX that has the date of XXXX XX/XX/XXXX.
Product: Money transfers

Paypal has limited my account and would not allow me to access my OWN money for 180 days. All I did was transfer {$800.00} to my other account and they decided to do this to me. I no longer wish to use Paypal and would just like my money back.
Product: Checking or savings account

On XX/XX/year> I had to file a claim about an unauthorized XXXX XXXX transaction from a unknown individual XXXX XXXXXXXX I have no idea who this person is so I disputed this transaction I lost my card & XXXX which I believe led to these transactions I had to regain access to my mobile banking app through another device I also have screenshots attesting that I left my XXXX in the XXXX & it was later stolen from that said XXXX
Product: Credit reporting or other personal consumer reports

I receive phone calls and letters from the companies listed below. I haven't received a 1099-C Form for the debt for being charge-off, according to the IRS any debt that is {$600.00} or more is consider taxable income. You must claim this amount as income on your taxes because you never paid it back. According to 15 U.S. Code 6802- Obligations with respect to disclosures personal information. ( A ) financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless - such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. Consumer is given an explanation of how the consumer can exercise that nondisclosure option. I wasn't given the opportunity of such information. According to 15U.S. Code 1681s-2 I didn't give written permission to have these accounts furnished on my credit report. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX- account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXXXXXX  account XXXX XXXXXXXXXXXX XXXX XXXXXXXX   account # XXXXXXXX XXXX XXXX XXXX account # XXXX,
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

Bankruptcy XXXX XXXX-dismissed XXXX
Product: Debt collection

I have been contacted, as well as my family members, repeatedly, sometimes 10 times a day by Central Mediation Services saying that they are going to serve me with papers. They have called for over a week ( XX/XX/XXXX through today, XX/XX/2019 ) They have even told my family if I don't contact them, that they may never see me again. This is not ok! I called them and they will not provide me with documentation of the debt. I will not provide them with personal information so they hang up on me after saying some very not appropriate things. i have called multiple times only to be treated rudely and hung up on. I have asked for an address, but the address that they gave me does not come up in a search. 
They continue to call family and harass them. They tell them I have debt that needs taken care of or I will go to jail. If it is legitimate, then they should have documentation to send me. I need this to stop!
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 USC1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 


U.S. DEPARTMENT OF EDUCATION Account # XXXX XXXX XXXX Account # XXXX 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s=2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am filing a complaint against procollect Incorporated collection agency that is reporting false information on my credit report and I have a paid in full letter from them and they say that I still owe them money and this was supposed to be removed off my credit report and its been pass seven yrs an they still have this on my credit report and keep updating, like I still owe them. This was supposed to have been removed and they keep calling me harassing me about payment. I have to hem to stop calling me I have a proof of letter from them and It was XXXX XXXX  XXXX  who hired this company to collect a debt the letter states I have XXXX debt with them but they still putting false information on my credit report and pulling my credit score down.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX XXXX XXXX XXXX FLORIDA UNITED STATES DISTRICT COURT XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX RE : CASE FILE - XXXX Warning to remove items from my Credit File To whom it may concern, I have previously disputed CASE FILE - XXXX with you and WITH NO response, you have not verified the item as correct, accurate or factual. My credit report reflects this information has been verified and provided to the credit bureaus willingly by the court - that is a lie. The bankruptcy courts do not provide information to the credit bureaus. This is CLEARLY stated in the link provided below. 

UNLESS you can provide me with written confirmation that the above mentioned court district has manually verified this information as it shows on my credit report, this is false reporting and NOT LEGAL. This does NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and it must be deleted IMMEDIATELY.

Please reference for proof of this violation and false reporting : https : //www.moeb.uscourts.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) I DEMAND DELETION OF THIS REPORTING IMMEDIATELY AS THIS IS IN VIOLATION OF FCRA - 611 ( 15 USC & 1681I ).
Product: Debt collection

I saw my court case today, this case was closed, either XXXX or bankruptcy when plaintiff said he received a judgement against me XXXX, he filed a judgement on a closed case and it 's XXXX dollars, this case was closed XXXX just look at my court record.he tried 9 times to garnish my Inc.taxes he also filed a stipulation for settlement the judge told him the case was closed he violated CFBP laws, read my court case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Account has violated my rights : 1 ) XXXX  ( Also Listed As XXXX, XXXX. ), Account # XXXX, Amount {$360.00}, Account opened XX/XX/2013. 

15 U.S.C. 1681 Section 602 A States that 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

on XX/XX/XXXX ONEMAIN FINANCIAL CALLED MY PLACE OF EMPLOYEMENT REGARDING A PERSONAL LOAN I DO OWE AND I AUTHERIZED A PAYMENT TO BE MADE FOR XX/XX/XXXX. WHEN I ANSWERED THE PHONE I TRIED TO LET HER KNOW I COULD NOT HAVE CALLS AT MY PLACE OF EMPLOEMENT AS I HAVE TOLD THEM MANY TIMES IN THE PAST, ALSO TOLD HER MY BOSS WAS IN FRONT OF ME BUT SHE DID NOT CARE SHE CONTINUED TO ASK ME QUESTIONS AND I HAD TO YELL AT HER ( XXXX ) BECAUSE I DO GET IN TROUBLE FOR PERONAL PHONE CALLS, AFTER I HANG UP ON HER SHE PROCEDES TO CALL MY HUSBANDS PLACE OF EMPLOYEMENT WHERE SHE ASKED MY HUSBANDS CO-WORKER QUESTIONS ABOUT HIM A CO-WORKER WHO IS A EQUAL TO HIM NOT IN XXXX COMPANY IS HURRASSING US AT WORK ONEMAIN XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX THANK YOU SO MUCH, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX XXXX Bank received a request for Validation. They sent an accounting of " STATEMENTS '', which does not validate a debt. XXXX was notified via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX, they were given notice of the errant account. They initiated a reinvestigation and said the account was " Verified ''. XXXX is not a validation. XXXX XXXX Bank could not provide proof of contract with my wet-ink signature. Lack of a signed promissory note with my signature means the " alleged debt '' is not valid. XXXX has failed to list the account a " disputed '' therefore are committing FCRA violations. XXXX has failed to properly investigate XXXX XXXX BANK, if they did, they too would assert that XXXX XXXX BANK has not validated the debt. These are all FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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 reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i Seek appropriate readdress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit file as I am a victim of a data breach that resulted in the unauthorized use of my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the immediate removal of fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$950.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Mortgage

I have had repeated difficulty with my mortgage company in the proper processing of my payments.I have contacted them several times and still it does not get corrected. When I send in a PRINCIPAL payment they apply some of it to my monthly mortgage payment. example : I sent in a payment for PRINCIPAL on XXXX for XXXX They put {$900.00} of it in as a MORTGAGE payment for XXXX? I called and explained to a supervisor that my XXXX payment was mailed out XXXX and they should be recieving it shortly, but they won't put the full {$6000.00}. payment back on the principal. The company is ; Rushmore loan mgmt. serviceXXXX XXXX XXXX XXXX, XXXX XXXX XXXX. [ XXXX ]
Product: Student loan

I reached out to Navient when I first started to pay my loans back trying to get them lowered for a short time while finding my first job out of College. They basically told me I was out of luck nothing they can or would do other than forebearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. 

Please validate this reporting account to prevent further erroneous reporting. 
XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported wrong phone on me without an permissions of mine to report any phone no. 

Reported differences High Blance under different account no. 

Still Reported paid and close 7 yr past account. 

Reported different account transfers to another office to make account be like still open for payment. 

Reported open and opened date. 

Reported different account no.
Product: Debt collection

XX/XX/XXXX requests information about a unrecognized debt : On XX/XX/XXXX the information requesting proof of ownership and authorization that they were assigned this debt was not provided. I requested the information for the second time on XX/XX/XXXX by certified mail from : FAIR COLLECTION & OUTSOURCE This unrecognized debt is on all 3 credit bureaus. 
My information has been found on the dark web and I am not sure what happens when it appears on that website. 
The above information has been reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that weren't open by me, this has been hurting me as I am buying a home for my family. Please remove these accounts off of my report immediately.
Product: Credit card

I made 4 payments that have still not posted to my acct. 

XX/XX/XXXX {$320.00} - XX/XX/XXXX {$20.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$37.00} was already withdrawn from my bank account & Cap1 confirmed they received but still has not posted to my acct. 

I have never had any returned payments etc for them to hold my funds over 22 days
Product: Mortgage

When my XXXX  was XXXX of XXXX in XXXX, we took out an equity line in the amount of {$100000.00} to pay for medical bills. The loan was then an adjustable loan and I could lock in the rate then when it was low. During that time, I had my payments on autopay. Because of an increase of an amount under {$5.00} the Bank said I was late with my payment and took away my privilege to have an option to lock the rate. 

Because I was out of the country, I could not receive mail and I could also not log in to my account to see what was going on. 

Over the years I called them multiple times to explain my situation and ask if they could give me back the option to lock my rate. They denied me the option. 

It is now XXXX  years later and the principle amount is still {$90000.00} because interest rates are climbing and I could not lock the rate when it was around 5 %.
Product: Money transfer, virtual currency, or money service

PayPal locked me out my account saying I can no longer use PayPal but they locked my account XXXX $ usd I cant do any transaction I woke up and XXXX $ missing they dont wan na give me my funds instead take it
Product: Credit card or prepaid card

I HAVE TRIED TO CONTACT THE BANK OF AMERICA SINCE, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND THE LAST ON XXXX XXXX I ASK THE BANK OF AMERICA TO SEND ME A COPY OF THE APPLICATION OF THE ORIGINAL CREDIT CARD WITH MY SIGNATURE, BANK OF AMERICA I HAVE NOT BEEN ABLE TO PROVIDE IT, AND I HAVE ALREADY PASSED MORE THAN 90 DAYS AND I CONTINUE TRYING TO BE SENT THAT APPLICATION FROM THE ORIGINAL CREDIT CARD ACCORDING TO THE LAW THE BANK HAVE A PERIOD OF UP TO 30 DAYS TO PROVIDE THIS INFORMATION OR SHOULD BE REMOVED FROM MY CREDIT REPORT, VILOLACION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( INCLUDING BUT NOT LIMITED SECTION 807-8 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT ( INCLUDING BUT NOT LIMITED TO SECTION 623-B
Product: Credit reporting or other personal consumer reports

I SENT IN A CERTIFIED DISPUTE AFTER NOTICING INCORRECT ACCOUNTS ON MY CONSUMER FILE. I ALSO SENT MY IDENTITY FRAUD REPORT AND INSTEAD OF EXPERIAN INVESTIGATING THE DISPUTE THEY CONTINUE TO SEND ME LETTERS TO VERIFY MY IDENTITY WHICH I HAVE SENT MY LICENSE, SOCIAL SECURITY CARD AND UTILITY BILL SEVERAL TIMES. MY RIGHTS HAVE BEEN VIOLATED AND IM GOING THROUGH HARDSHIP DUE TO THIS.