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

I am writing to bring to your attention a dispute I have with Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax to address the following discrepancies, but to date, I have not received a response. I believe these issues warrant immediate attention and resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX : Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX dispute the accuracy of the reported information, specifically the balance of {$5900.00}. I am uncertain about the validity of this amount, as it appears higher than what I recall. Furthermore, the account is presented as closed and charged-off, and therefore, the Past Due amount should not be provided. I intend to clarify this matter with the creditor. In the interim, I request Equifax to mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


XXXX XXXX : Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX dispute the reported balance of {$4200.00} as inaccurate. I believe the correct amount is lower. Moreover, as this account is closed and charged-off, the Past Due amount should not be presented. I request Equifax to mark this account as disputed until my dispute with the creditor is resolved. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified TransUnion that I am a victim of identity theft and sent in all documentation
Product: Debt collection

I have sent them a cease and desist letter and request all communication in any matter and all reporting to any agencies including credit agencies be ceased persuant to FDCPA 15 U.S.C 1692c ( b ) ( c )
Product: Debt collection

Express Recovery Services , Inc. filed a lawsuit against me to try and collect {$150.00} for services allegedly provided to me by XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX for an apartment that I never even lived at. They are trying to collect {$350.00} in attorneys fees, which is more than double the principal balance of the debt they are even alleging that I owe. 

The document that they provided as evidence that the debt was sold to them by XXXX XXXX is dated XX/XX/XXXX, which is two years before they are even alleging that I incurred the debt. 

I was served with a summons on XX/XX/XXXX, which is the first I even learned that Express Recovery Services was even trying to collect a debt. I emailed the attorney listed on the complaint and provided him with a copy of the answer I intended to file with the court. In it, I explained that I never resided at that address and that even the apartment manager would attest to that. 

Thinking this would deter any reasonable person from filing a claim, or at least validating the debt before doing so, they filed the claim against me in court anyway. 

It is unfathomable to me that a company is allowed to operate this way, much less an attorney who is licensed to practice law. Express Recovery Services should be fully investigated for their practices and tactics, as they dont actually care who owes the debt, or how small it is. 

They were hoping I would roll over so they could get their default judgment and collect attorneys fees from me.
Product: Checking or savings account

This is a continuance of claim # XXXX. 

Once again, Bank of America is NOT providing this agency with the full accounts of my initial claim nor the total facts of the claim. So since they want to play game, we will also file this complaint with the Controller Office. 

I have attached exhibit " A ''. After months of begging BOA for actions against XXXX XXXX XXXX with no success, we filed the complaint here with the CFPB. It was ONLY then did we started seeing any actions being taken by the bank. 

Now instead of completely helping us against XXXX, they decided to close our account. We have been with BOA in one fashion or the other for over 15 years. And they use a sorry of an excuse of two specialty consumer agencies. We truly believe after 15 plus years the other reason they came to this decision was because of reporting this issue to your agency. Exhibit " B '' After they sent this bogus letter to us, they still allowed charges on our account ending XXXX. Now the {$12.00} they claim is short. We are owed a total of {$52.00} and we want every dime. EXHIBIT " A ''. 

Now let 's discuss my original claim dated XX/XX/year>. We have attached Exhibit " C ''. After BOA customer agency fail down on the job once again, we had to re-fax the attached. Our initial complaint against XXXX started on XXXX of 2023, We were told to go back to the vendor and try to work out a XXXX. We did that for three month ( See Exhibit " C '' ) communication with various XXXX agents. 

XXXX told us still we filed a complaint with BOA, all credits were with BOA and not them. We went back to BOA with this story. BOA claimed they did not. We got sick and tired of being in the middle of this issue and that is how these complaints were born. 

Per the attached, the amount demand from XXXX since we DID NOT get work paid for was {$6000.00}. And again, we want every dime of it. 

BOA claimed some claims were out of there jurisdiction and that was nothing but an excuse. We started this claim or tried to start this claim in XXXX of 2023. We follow THERE orders to go to XXXX during that time. After three months of getting nowhere with XXXX, we came back to BOA in XX/XX/year>. So we should not be penalized for following the order of the Bank. 

So we demand a certified check for the balance of the {$52.00} and the balance of the claim of {$2400.00}. 

And because the bank decided to retaliate against my firm XXXX XXXX XXXX, XXXX and me personally, we will also file this complaint with the Office of The Controller and Currency.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

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

I am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. I have sent a total of six previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX. These receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary. Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.
Product: Mortgage

XXXX XXXX, XXXX is effective BY OPERATION OF LAW. AT THAT POINT IN TIME WHEN THE NOTICE OF RESCISSION WAS SENT, THE LOAN CONTRACT IS CANCELED, THE NOTE IS VOID AND THE MORTGAGE IS VOID -- - BY OPERATION OF LAW
Product: Debt collection

I received documents from a local processor or server from MCM Midland Credit Management , Inc. also Midland Funding. All of these names or company names are on XXXX sheet of paper of the letter. It is for a debt that is being collected for XXXX, also XXXX XXXX XXXX Bank. I called and made arrangements for this account to be taken care of by allowing them to collect {$50.00} a month until the debt was paid. They have since taken out two months worth of payments. I received another set of paperwork, that is dated XXXX XXXX, 2015, and it states that I need to sign the documents and send them back, or " Failure to sign and return these documents will delay the settlement of your case and may result in the continuation of litigation. '' I called the office of this company and/or group of lawyers, as on the documents it lists XXXX names of attorney of which only XXXX signed? I am really confused, so I had my wife call to get information as to why I need to sign this after making arrangements two months ago and they have already agreed by taking payments out for the Months of XXXX and XXXX. When my wife called, the lady who answered was very rude and kept asking her if I was being represented by an attorney and my wife said she had consulted someone. The lady at this office would not transfer my wife to the account manager unless she answered her questions as to whether I had an attorney or if I was being consulted. My wife said, just transfer me to the account manager. The lady stated our account manager was " XXXX '', but she refused to transfer my wife to discuss the matter and find out what exactly to do and why. My wife was frustrated and hung up because the lady was rude and would not even let her finish her sentences. It 's impossible to deal with people who wo n't answer questions and explain details, therefore, why am I making an effort to pay a company that deals in this manner. I have made many arrangements and have successfully paid old debts, on time since our lives have come back together financially. I do n't feel I should have to deal with a " gate keeper '' in order to pay this debt or be insulted in order to do so.
Product: Payday loan, title loan, or personal loan

XXXXI have never had an account with this company LENDING USA , REMOVE from all credit agencies from reporting. 
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LENDING USA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXXAccording to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) XXXX. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed a collection from CCS ( Credit Collection Services ) in the amount of {$490.00}. It shows that the account was opened XX/XX/2022. I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I have not been provided with competent evidence that I have any legal obligation to pay CCS.
Product: Credit card or prepaid card

Capital One doesn't want to increase my credit limit because of many inquiries on my XXXX, XXXX and XXXX   credit report. 
Inquiries was implemented because of result of getting prequalified for a VA Loan and purchase home. 
I was just recently Approved for a VA Loan and purchasing a home in XXXX, California.VA lender is XXXX XXXX   in California and Mortgage Consultant name is Mr.XXXX XXXXXXXX XXXX fax XXXX XXXX I respectfully need a higher credit increase over {$750.00} as I am going to need items for my new home purchase. 
Also, with a higher credit increase it will help me increase my credit scores. I have a excellent payment history with Capital One for over one year.

Urgent Matters!
Product: Credit reporting, credit repair services, or other personal consumer reports

Received report about a 'hard inquiry ' from a company that " I can not identify as listed, namely 'XXXX/XXXX '. I have not applied for any loans, credit cards, or any other lending instruments within the last year or so. This may be an identity theft possibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRUISTAUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXF XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX XXXX ( ends in XXXX ). In XXXX XXXX, I paid off all purchases, and decided to cancel the card because of the high annual fee ( {$95.00} ). When I spoke with a XXXX rep ( early XXXX ), I was assured that the fee would be credited. It was not. I called again in early XXXX, and was again told that the fee would be credited, including the late fee XXXX charged ( for an item that should have been credited ). Apparently, that did not work either, because on XX/XX/XXXX, I got messages that my credit score changed ( it is typically between XXXX and XXXX ). 
I called XXXX on the same day ; spoke with a supervisor ; and had my concerns validated. XXXX had not only no credited the fee ( which is forward-looking ) as promised, but then sent derogatory reports to credit agencies regarding the non-payment ( for a card that had been cancelled ). When I spoke with the supervisor, she said that the fee would be credited, but the reports would not be withdrawn. 
This is not only going against the promises XXXX reps made, but is an entirely illogical outcome. 
Please, request that the XXXX customer service dept. credit the fees, as promised, and retract any and all derogatory reports the bank may have sent to the credit bureaus. Thank you.
Product: Debt collection

This company did a lot wrong first they call my daughter 's work and scared my daughter. They talked to one of my daughter 's co-worker 's and told her he was a process server and had to serve me papers because I was been sued. Then when I called and told them I do n't owe the debt they kept threatening me at work, Told me if I did not pay right now they were going to sue. When I ask them for paper work they told me they do n't have to give me any. That the debt is in the judgement phase and I got to pay it right now.The company has three names XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The phone number is XXXX. I never got a loan for here and these people are harassing me and my family. When I looked on the web this looks to be some type of a scam.
Product: Vehicle loan or lease

On XX/XX/XXXX, I bought a used vehicle and financed it through First Interstate Bank ( XXXX, MT ). I was unable to actually pick the vehicle up until XX/XX/XXXX due to inclement weather and schedule conflicts. I live 2.5 hours away on the other side of the XXXX XXXX. from the dealership. During that time, the vehicle sat on the dealership 's lot and did not move. On XX/XX/XXXX, I was finally able to pick up my vehicle. On XX/XX/XXXX, I had my truck insured for the ride home and for the next year, etc via the insurance company I use for all of my vehicles. 
When I got my statement from First Interstate Bank, it stated that I was past due on my payment even though I had autopay set up. Here, it turns out, they had imposed a forced insurance coverage charge on my truck for the time it sat on the dealership lot from XX/XX/XXXX to XX/XX/XXXX ( 41 days ) at a cost of {$780.00}. The insurance company they used was XXXX XXXX XXXX XXXX XXXX XXXX. 
I received no notification that I had insurance on my truck while it sat. There was no declarations page sent, no indication of any kind of the type of coverage I had, no app on my phone to use... nothing. As it can be seen on the attached document, the coverage wasn't even issued until XX/XX/XXXX. 
After many phone conversations with First Interstate, XXXX XXXX XXXX, and the dealership ; First Interstate wouldn't budge. They are still charging me {$68.00} a month for twelve months ( a total of {$810.00} ) for 41 days of insurance coverage. That's $ XXXX ( $ XXXX = XXXX ) or, realistically, $ XXXX ( $ XXXX = XXXX ). That is an exorbitant amount for coverage.