23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX 's sales and lease sued me in small claims court and was awarded a judgement against me. At some point they sold my account to a dept collection agencies and they received the money from me. I have contacted the collection agency and they are mailing me the form stating that the accounts are paid in full and closed. But when XXXX 's filed their complaint the total amount does not match what I paid in full and they also labeled the account as medical which is not true. I tried contacting them on several occasions so I could get the original amount so I can prove to the court that the dept is paid. I have gotten wrong numbers and out of service numbers and answering machines. I Have left messages and no one has contacted me as of yet. This judgment is preventing me from buying a house. I do n't know what else to do if they do n't respond back.
Product: Debt collection

Collection agent called, attempted to gather information multiple times and refused to identify herself or the purpose of the call when asked multiple times. Finally gave her name and company after the third time I asked, but never informed me of the purpose of the call. When I informed her that I am aware of the requirements to identify herself, the purpose and inform me of the call being recorded she hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my mortgage was sold by current mortgage company to another mortgage company. This caused my credit score to go down. I contacted experian to ask why and I was told it is because of algorythms or something like that. Three months later I found out my new mortgage company is not reporting my mortgage payments. Experian credit reporting said give it a few more months. On XX/XX/XXXX I recieved an email from Experian credit reporting saying my credit score has dropped 17 points with no explanation at all for the reason. BUT if I would like to pay money to find out I can. I have tried to contact Experian numerous times and the phone number will only let you talk to a machine who will not allow you to talk to a real person. Experian has made it impossible to talk to a real person and this has been going on for years. Is Experian broke and they can not afford to hire any real people? Since giving up on trying to contact Experian I have found out the reason for my credit score dropping 17 points is because my mortgage company who purchased my mortgage is now reporting as a new mortgage. This is obsene and pure and simply rediculous. I have been living in my current home for 18 years and making my mortgage payments for 18 years. If mortgage companies are going to sell and purchase current mortgages they should report appropriately and a home owners credit score should not be affected IN ANY WAY. Obviously algorythms or whatever it is called should be removed from any portion of decision making. Peoples credit scores affect every portion of a person life. If credit reporting agencies can not report correctly they should be stopped by the federal government and not allowed to report credit scores or credit reports. Experian has been having problems for many years with getting their act together but they just can not seem to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. 
also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation?

LexisNexis has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy.

Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federa
l grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did lexis Nexis have MY written instructions? Did lexis Nexis have Permissible purpose? NO, they did not. 

a letter was written to the courthouse asking to provide the procedure in which they verify records information with XXXX, XXXX XXXX XXXX and /or third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. 
before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. 
IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit card

I bought a white pair of XXXX XXXX XXXX shoes via XXXX. As the XXXX were cutting ties all sale were final. 
Well shoe showed up XXXX. I told XXXX and have chat transcripts. They errored and offered a XXXX percent coupon but wouldnt let me return for refund so I dispute with Apple/sac Im like on my XXXX time with same dispute as nobody will contact me to make sure they are seeing right information. And despite sending it in repeatedly it never seems to attach to file or what ever excuse. 

And now Im in dispute over a XXXX XXXX charge to boot. 

Been lied to about interest stuff on Apple purchases
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 : Unknown Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to have XXXX XXXX XXXX to remove late remarks on my credit file through Experian and Experian took longer than 30 days to reply. By law, your company has to remove any late remarks after the time has expired. Your company has four days to update my XXXX XXXX XXXX Auto Loan as paid as agreed and to remove late payment remarks. If not, legal actions will be taken against  your company for violating my rights.
Product: Checking or savings account

Citibank Case ID XXXX On Friday, XXXX XXXX XXXX, I had called Citibank to inform them that I was travelling for XXXX in XXXXXXXX XXXX XXXX XXXX  XXXX, the supervisor representing Citibank had pre-approved {$10000.00} per day transaction for my travel and XXXX. On Monday, XXXX XXXX XXXX the day of my XXXX, my debit card declined. While on the XXXX table, I asked to pre-authorize {$3600.00} for the XXXX fees I needed. XXXX XXXX, from XXXX XXXX had also been on the call with the Citibank supervisor who refused to provide his name and he rejected the life threatening request to approve a charge of {$3600.00}. I had not used the debit card so I knew I was not over the {$10000.00} limit. Again, the supervisor on the call with Citibank, again rejected my request even though I had informed him that I had been pre-authorized already by a previous supervisor to be able to spend {$10000.00} a day. The Citibank supervisor again continued to reject my request without any reason why I was rejected and hang up the call. 
On the same Monday, XXXX XXXX XXXX I had called Citibank to pursue a complaint about my life threatening situation as I was on the operating room in XXXX while the charges were rejected. I spoke to a Citibank customer agent named XXXX who created a formal complaint saying this was very wrong and discriminating to including the violation of rules against targeting laws against my family name. Soon after I submitted my complaint, my debit card was frozen by Citibank with no reason why. It is now XXXX XXXX XXXX and no one from Citibank has called me to give me a reason why my debit card has been frozen. I called today and was informed that my debit card has still been frozen. This is clear targeting by Citibank and discrimination against a family name that is political in nature of which I had nothing to do with. How many other family members with the family name " XXXX '' will be targeted and discriminated by Citibank? I want this published so everyone who banks at Citibank knows about this discrimination and would like a lawyer to represent me to pursue a lawsuit against Citibank who had denied me of my funds during a life threatening event. I can be reached at XXXX and email XXXX XXXX
Product: Vehicle loan or lease

I purchased a vehicle through XXXX, in XX/XX/XXXX. The vehicle is financed through Bridgecrest Acceptance Corporation. On XX/XX/XXXX, they took possession of the vehicle due to the payment being XXXX days late. I sent in a payment of {$650.00} on XX/XX/XXXX, via XXXX in the form of a money order. I also reached out to the company to resolve the issue to new avail. Apparently, it is their company policy to put an order in for repossession if the payment is XXXX day past due, and being that this was a new account they were unwilling to work with me even though I had sent in the payment. 
This company has a habit a bad business practices and predatory lending. Their XXXX  rating is around XXXX and yet they are still allowed to be in business.
Product: Credit card

I have always been great paying my credit cards on time even during the pandemic. I am a XXXX XXXX XXXX. I have a great job steady job with XXXX XXXX, but when I was hired in XXXX, I was hired in XXXX and the opting in for the 10 month pay was closed. Therefore, I did not have income during the summer. I had to use my saving 's to pay to live. I called my credit cards and informed them and was very communicative about the matter. Several cards did not work with me and my credit has gone down. It seems after the XXXX  the minimum payment went higher and its just ridiculous. And the late fee is also ridiculous and some will only wave it once a year. I am utterly upset that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am there to provide services to every XXXX XXXX XXXX XXXX have worked so hard to get my credit up and during XXXX XXXX everything went down with no help.
Product: Credit reporting or other personal consumer reports

I am following up on my recent complaint dated XX/XX/XXXX. As stipulated by FCRA Section 605B, Credit Reporting Agencies must remove items listed on an identity theft report. My reference number is XXXX. Enclosed with this complaint are the necessary documents to facilitate the removal of the erroneous personal information and inquiries that have appeared on my report. Below is a list of items that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA Section 605B ( a ), credit reporting agencies must remove items identified as resulting from identity theft within four business days of receiving the request.
Product: Credit reporting or other personal consumer reports

Help me create a dispute letter using XXXXXXXX XXXX  for civil liability for negligence, not complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation did not fix error on my Equifax credit report.
Product: Debt collection

I have been disputing with a collection agency by the name of Online Information Services. They have reported to all three credit bureaus stating that I owe them in the amount of {$85.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XX/XX/2019, XX/XX/2019, and my third letter will go out tomorrow as that will be another 30 days the company has refused to reply. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Online Information Services. 

Also, I had informed them that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX  ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Online Information can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.
Product: Mortgage

I applied for a mortgage loan with Amerisave Mortgage Company ; they ran my credit report, using XXXX  for this purpose. They rejected my application for items that DO NOT APPEAR on my XXXX  credit report including : * Serious delinquency * Amount past due to accounts * Level of Delinquency on accounts * Number of accounts with delinquency. 

None of these exist on my credit report, though these were the basis for their decision. I take fraud seriously and I would like them review my application with my ACTUAL Credit report. There is only one negative item on the report, which I am disputing - a {$69.00} XXXX bill that was opened by someone else ( identity theft ). I reported the identity theft to XXXX and the Virginia Attorney General and XXXX accepted it. However a year later they resumed collections anyway. Again, a dispute has been filed with XXXX. However this does not fall into any of the categories listed above that Amerisaves listed as the " key factors that adversely affected your credit score ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I expect expedited removal of the Fraud Alert on my XXXX, Equifax, and XXXX Credit Report.
Product: Debt collection

Cashcall continues to call us on a debt that 's been paid. We have paid the principle and in addition to the interest in total amount exceeding XXXX dollars. We filed a complaint with the Ohio XXXX Office on XXXX/XXXX/2015 stating that Cashcall was harassing us for a debt that was paid in full in accordance to the state laws of Ohio. The XXXX representative stated that Cashcall and any associated entity was not licensed in Ohio therefore illegal. After further investigation we XXXX that Ohio was added to the current lawsuit submit by CFPB. Also the following surrounding states have filed lawsuits against Cashcall Indiana, West Virginia and Michigan for the same illegal tact 's. Each state mention in the prior statement won their legal cases against Cashcall. Simply put we 're tired of the harassment from this illegal loan company. We received several calls from them again on XXXX/XXXX/14 starting @ XXXX XXXX. 

Original Lender : XXXX XXXX XXXX, XXXXurrent website : XXXX : XXXX? XXXX : Ohio is n't listed as a State that can borrow money. 

Please note the following law code from the state of Ohio. 

Ohio, which voids loans of {$5000.00} or less that are made without a license, and the lender has no right to collect, receive, or retain any principal, interest, or charges on such loans, Ohio XXXX 
XXXX.
Product: Debt collection

Westlake Portfolio has called me so many times during the day, everyday. Monday to Sunday. 
They have called me so many times during the day that it got me fired from my new employer because my phone was going off so much during the work day. I already struggle with XXXX XXXX XXXX  and their constant calling has given me major XXXX 
I was laid off my last job so I wasnt able to pay my debt. And I finally started a new job but got fired because of my phone going off all day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm an fanancial hardship, and i am XXXX XXXX XXXX elderly XXXX i have no income from no any agency.i have my credit card i can't continue to make payment i can get help i need cfpb to step in to help me i need a grant money because i can't pay bills since 2 years and 7 month my ssi check is stop i put a claim for reconsideration six time i got denied from ssa.please i need help from anyone who concern in my case.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Credit reporting or other personal consumer reports

I am writing to formally request dispute an inaccurate item on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) According to the Credit Bureau Experian, XXXX and XXXX records, there is incorrect information being reported under section # 1681-0 Civil These errors are negatively impacting my ability to secure other financial duties. This dispute is being submitted under ( FCRA, 15 U.S.C. & 1681i which requires credit reporting agency reinvestigation and provide original documentation from the original creditors. If this is not provided per ( FCRA ) all items must be deleted. The specific inaccuracies are as follows : This is an account that is fraud and not my debt please removed immediately. I do not own and have never used this account. 15 U.S CODE 1692 15 U S CODE1692g 15 u s code 1681 e ( b )
Product: Debt collection

Someone had gotten a hold to my information and purchased plenty of things with my stolen debit and Id card I then had to replace along with other things that came up missing in the aftermath. I thought this was something from XXXX  that I purchased from XXXX XXXX for XXXX and maybe they may have gotten the amount wrong but I still didnt understand why it is over XXXX Ive never purchased anything for this much but after looking further into after I been trying to figure out what is this and why is it showing up on my credit report this is an unauthorized charge I dont know where this came from and I would like them to investigate this so I can get it removed asap its putting me in serious debt and its not my debt I didnt do this I dont know what this is and have tried calling XXXX XXXX XXXX  after looking up the number online and they never answer the phone I can never speak to anymore I left messages I tried calling another number of theres that came up and I still am not able to speak to anyone
Product: Debt collection

Multiple calls from the debt collector ( NCC - XXXX, case XXXX ). After speaking with them they are refusing to disclose the actual debt due to the Town of XXXX for personal property on a prior owned vehicle. According to the Town of XXXX, we have never had an outstanding balance on any of our personal property accounts for our vehicles. Debt collector claimed to have sent documentation but none was ever received. This debt collector is continuing to harasses us for fraudulent debt.
Product: Credit card

I signed up for a same as cash credit card with rooms to go. Now they are charging me a monthly fee.