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

I have gone through numerous attempts to get all incorrect and misinformation corrected that I have XXXX  greatly from XXXX, XXXX and Equifax companies to try to get my credit profiles corrected for well over the last XXXX  years from experience identity theft. I need help trying to get my life back and with no help or assistance in accuracy in investigations from these supposed to companies to only keep getting included even in their data breaches to XXXX  even more damage.please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX ; Account Number. 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.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/2023 True Accord Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to request a 1099-C form for the charged-off account associated with the following information : Creditor 's Name : XXXX Account Number : XXXX I understand that the debt associated with this account has been charged off, and I am aware of the tax implications of receiving a 1099-C form. As required by the Internal Revenue Service ( IRS ) regulations, creditors are obligated to send this form to taxpayers when a debt of {$600.00} or more is canceled or forgiven. 

I kindly request that you provide me with a copy of the 1099-C form for this account as soon as possible. If there is any additional information or documentation required from my end to process this request, please do not hesitate to inform me promptly. 

Please forward the completed form to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX If you have any questions or require further clarification regarding this request, I can be reached at ( XXXX ) XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to receiving the 1099-C form and addressing any necessary tax-related obligations. 

Sincerely, XXXX XXXX
Product: Debt collection

Ive paid all my accounts in FULL!! This company has been calling me, repeatedly, threatening me and discriminating against me!! They have given my personal and private information out to people, other than myself! I have included a screenshot of multiple calls from their company
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2023. To remove personal information that I do not want on my credit report. Accrording to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

claims they bought debt and i owe them with no proof provided, court order, sales agreement, purchase order, billing statement, validation whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent practice without validation by Montery Financial Services LLC hereafter referred as MF. 

I spoke to a rep at MF 2+ months ago when we received an email in our junk folder, no mail, what kind of company does not send a collection letter via mail. 

Regardless, I called MF and spoke to them about the issue. The issue here is that MF decided to do collection for XXXX XXXX situated in XXXX for maintenance fees of the timeshare. I explained to them that when I called XXXX XXXX  in 2017, every employee I spoke to, they said that we no longer are the owners of the resort because it's under new management. They kept telling me that our ownership was with XXXX XXXX that went in bankruptcy and the takeover by new owners, XXXX XXXX, does not extend club ownership to XXXX members. 

So what was baffling is that they insisted I should make maintenance payment because we have privilege to use the club without ownership. Well frankly, we'd like to sell our timeshare if we still have the ownership and this is what I was unable to achieve in 2017 if we could confirm that we still owned it. Doing some online research, I came across forums and prior XXXX owners all had the same concern on loss of ownership. 

I explained this to MF rep and she promised me to get back with confirmation of ownership but didn't. A month ago, I was left a voice message saying MF is calling back but no details were left in the voice message. I called back immediately but ended up leaving a vm since their lines were coming busy. 

Till date, MF has not provided a valid reason to place a debt collection on our credit report of my wife and mine. This seems to be very unfair practice by Montery Financial to place a debt collection on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had numerous complaints with this company. Last month I paid my normal payment one day before the due date, the total was {$490.00}. 25 days later I was called and told I still owed {$10.00}, this wasnt true my payment and contract states my monthly obligation of {$490.00}, I was forced to pay the {$10.00}, and late fee of {$35.00}. This means this company continues to force me to pay fake fees and adds late fees whenever they see fit. 
On XX/XX/XXXX, my credit report indicated I owe {$13000.00}, I havent been late ; Ive made XXXX payment and XXXX payment and my updated credit report shows I now owe {$14000.00}. This means despite paying {$490.00}, my entire account balance increase {$300.00}. This company continues to do fraudulent stuff and I cant continue to absorb this cost. Please help!
Product: Mortgage

Note : the original questions asked to file this complaint have no area to comment : thereby not allowing for complete accuracy in answering these questions. 

Please ad comment boxes Today XX/XX/XXXX had to withdraw my previous complaint filed XX/XX/XXXX d/t missing information and miss spelled wording. This original complaint was taken over the phone. 

subsequently I am refiling this complaint. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To BB & T also known as XXXX/XXXX XXXX/financial institution/mortgage company, XXXXxecutive branch : I am filing a formal complaint against your company and the two companies you sub contracted ; XXXX XXXX XXXX & XXXX XXXX XXXX for consumer harassment, trespassing, breaking and entering, and destruction of property at my Residence XXXX XXXX XXXX in XXXX Maryland, XXXX, on XX/XX/XXXX. 

This is the 4th time I have made BB & T aware that they were not permitted to trespass on my property and you have continued to violate my request. 

This has caused an enormous amount of stress on me, and my father who was at the residence on the day this took place. 

I believe your company is not only breaking the law on numerous counts but attempting to force me into default to illegally obtain my property. 

On this occurrence : date XX/XX/XXXX my father went to the house for repairs and found the doors of my home opened with 3 men inside the home, the basement door lock was busted open. 

I was then also advised by the parties present that you had broken the locks and entered my garage also and drained my pipes in the home. 

I asked for a copy of the original work order on multiple occasions and have still not received it. 

I called the city police department and a report was taken. 

The 3 men from XXXX XXXX XXXX provided a work order number XXXX and stated they were hired by XXXX XXXX XXXX who was hired by BB & T to inspect my home without my consent or knowledge. 

At no point was I ever notified by any of these 3 companies of their intentions. 

At no point were they given permission to trespass on my property, and in fact BB & T and XXXX XXXX XXXX were told on 3 separate occasions they were not permitted on my property due to 3 prior attempts. 

They were told they were not aloud on my property with out prior approval in writing by my self within one week of notice of entry. I spoke with customer service, loss mitigation, and your Chairman hotline in regards to this issue and expect a response immediately. 

I have notified home owner insurance company and the Consumer Protection division of the violation. 


With any due Respect, XXXX XXXX XXXX XXXX all correspondence is requested via email
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XXXX XXXX  It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-oft misrepresents my payment history and negatively impacts my credit score Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes formally, particulary in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs neglected to protect consumers but have also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX accessed my credit with out authorization I disputed account with no know knowledge informing of fraudulent account ... account was than removed off of my credit report and than placed back on bringing my credit score down by hundreds of points
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there t1at I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX XXXX  XXXX {$260.00} XXXX   XXXX  XXXX {$300.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$400.00}
Product: Credit reporting 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 and Account numbers and what they begin with : 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 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 XXXXXXXX ~ has violated my rights . 15 U.S.C. 1681 s-602 A ~ States I have rights to privacy. 15 U.S.C. 1681 s-604 A ~ s2 ~ It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( s ) section states no consumer reporting agency may make any consumer report containing any of the following items if information, other than record of convictions of crimes which antedates the report by more than 7 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: Credit reporting, credit repair services, or other personal consumer reports

Fact I The Affiant Is Aware And I Have Proof That Experian has and continued to violate my consumer privacy rights. I the affiant observed 11 violations on my consumer Credit report. Experian is and continues to be in Violation of 15 U.S. Code 1681b ( 2 ) 15. U.S Code 1681a ( q ) ( 3 ) 15 U.S Code 1692 ( a ) 15 U.S Code 1692 15 U.S Code 1692g ( c ) Even After Being Informed Numerous Times that information was incorrect and should not be on there. I Have been injured Numerous Times from Experian Gross Negligent And Willful Behavior These Injuries Include. And Are not limited to being denied of credit. My Reputation has been ruiend. Loss of business income. XXXX, XXXX XXXX the following accounts need to be removed from my credit report and stop illegal activity I have never gave written instuctions to Experian to furnish these " Alleged '' accounts. XXXX XXXX  ( XXXX XXXX XXXX ( XXXX ) my information was also stolen in the XXXX Data Breach Experian needs to make this Right And Remove These Accounts Also Experian And XXXX Are XXXX with each other A XXXX Name XXXX XXXX '' In the Fraud Department Confirmed This On A Recored Line I Also Have The Recording And I Plan To Seek Litigation Because They Should Not Be Reporting Any Information About A Consumer To A 3rd Party I Have Sent A Affidavit Of Truth And The Laws They Are Breaking And A {$8000.00} Invoice That They Owe Me For Violating My Rights I Need These 2 Accounts Removed Or I Will Seek Litigation
Product: Checking or savings account

XXXX XXXXXX/XX/year> i was supposed to get my early paycheck and did not from Capital One. It is Friday XX/XX/year> XXXX and I still have not relieved my direct deposit. This is very frustrating as I have bills to pay.
Product: Debt collection

The debt is from XXXX XXXX XXXX XXXX XXXX for {$840.00}. I called them and told them I am not paying this debt. The statue of limitations is 6 years. This debt does not appear on my credit report. I will not be harassed over this and I don't even remember the debt. It's XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX XXXX XXXX. They need to stop sending me a statement for this debt I am currently paying 2 debts with them that I know I am responsible for
Product: Mortgage

Ocwen Loan Servicing : pass company name 's Option one, Homeward Residential, American Home Mortgage Servicing , Inc. ( AHMSI ). They stopped taking the mortgage payments because they forced placed insurance and I never had a previous laps in insurance I just changed companies. 
After they realized this, they dismissed the foreclosure and continued to not take any payments for over one year. They never had the correct Social Security number so I could not talk with any one. 
After this time period they proceeded with foreclosure a XXXX time Also I learned that the mortgage company did n't have a license, the documents from the mortgage company stated that the note was lost and destroyed. 
The mortgage company 's attorney asked for a 45 day extension and it was granted and they took a whole year before they came back with an answer and then they tried to go straight to trial There was a trial date set and they did n't contact me or my Lawyer so the date was changed by the judge They never had the correct Social Security number so it was always a problem to speak to them on the phone and this is from the beginning of the loan XXXX XXXX XXXX is a company that they always asked me to direct my mail to and the company was/is non-existent ... all mail was returned The service provider, company name " AHMSI, '' kept changing their name XXXX times because they had a class action law suite placed on them for forced placing insurance on their mortgage holders and then filing foreclosure on them. I have not done a modification today XXXX/XXXX/2015 I received a payment plan and I 'm still in foreclosure. We just got pass Ocwen lawyer trying to go to trial contact me or my Lawyer so the date was changed by the judge, now a payment. I just do n't understand how can this company get away with this.
Product: Debt collection

I am having issues with Nissan Motor XXXX XXXX in that they have been contacting me repeatedly, sometimes several times a day, even on Sundays while I'm in church regarding my auto loan. I have indicated to them their tactics are bordering on harassment, an issue which was denied over the phone. Following their last call, a few minutes ago, I indicated that I am immediately going to file a complaint, with you, against them. the dates of their calls include XX/XX/XXXX, XX/XX/XXXX, four times on XX/XX/XXXX, twice on XX/XX/XXXX, three times on XX/XX/XXXX, twice on XX/XX/XXXX, and the one this morning. Each time I had spoken to them, I had pointed out that I only get paid once a month and that I would be unable to pay them until then, to which I was informed " '' they wouldn't be able to wait until then. When i was more recently contacted, they had agreed to my paying them upon my getting paid, at which point I felt this matter had been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. Equifax, XXXX and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! Equifax, XXXX and XXXX are in direct violation of the FCRA and Gamm Leach Bliliey Act of 1999.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I pulled up my TransUnion credit report, and found some false information regarding a previous vehicle I had. I purchased a vehicle from XXXX at XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX, that I was still paying for when I had got into an accident. My insurance company at the time was XXXX XXXX XXXX their address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX had XXXX of their insurance reps and body shops, XXXX XXXX XXXX in XXXX, Ohio look at the vehicle. It was later determined that they where going to totally the vehicle. I informed XXXX that I was still paying on the vehicle, and so XXXX contacted XXXX XXXX himself and cut him a check for the remaining balance. XXXX XXXX XXXX has the check numbers, when it was issued, and cashed!!!! to XXXX XXXX. But XXXX XXXX falsely reported to the credit companies that the car was a repossession, which it was not!!! This false reporting needs to be removed from my TransUnion credit report. This issue does n't show on my other credit reports and is even more reason why this needs to be removed asap!!!