23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AWA COLLECTIONS Without any notice nor information about the claimed debt in the amount of {$460.00}, AWA COLLECTIONS reported a negative report on my credit claiming that it owed to XXXX XXXX. I called them up, where I I informed them that I never received anything nor debt validation letter. I also informed them that I don't owe the debt. I also, communicated with XXXX XXXX, whom could not give me reasonable cause. I also requested form XXXX insurance a copy of my policy to see if there is anything in there that might give the right to XXXX XXXX to charge any money, but XXXX insurance refused to give a copy as I requested on the phone on XXXX separate occasions. On XX/XX/XXXX I sent AWA COLLECTIONS a fax ( please see attached ) requesting them to stop the damages by reporting false claims and also in the same fax I gave them my Credit Card and gave permission to charge up to {$1000.00} to stop the damages and end their extortion. However, nothing happened. In XX/XX/XXXX I sent them an other fax of the same. At this time any person would see the reason that they are extorting me for an amount more than {$1000.00}. In addition, XXXX XXXX XXXX XX/XX/XXXX sent me a letter ( see attached ) showing clearly that the policy got canceled as of XX/XX/XXXX, thus no money is owed to XXXX XXXX. Both XXXX XXXX and AWA COLLECTIONS has not given me any reason on why the claimed {$460.00} is owed till this date despite my repeated requested for debt validation letter ( never sent till this date ). At his time and reasonable person will see thar I'm standing as a victim of an extortion game. This has damaged me in tens of XXXX of dollars, thus my attempt to offer upto {$1000.00} to stop the damages. Yet, as I informed both AWA COLLECTIONS and XXXX insurance of such loses, now they are holding out to extort more money ( unknown ). ( please see the attached fax and email to XXXX insurance )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them a certified letter on XX/XX/XXXX asking for information and no response!! According to 1681 section 7 : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Employers : NONE XXXX MA  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Mortgage

I contacted the XXXX, and sent in the XXXX different amounts of payments. Mr. Cooper keeps changing the amounts from XXXX, to XXXX, to the ever increasing XXXX, to XXXX, to the current, XXXX. They call these " subsidies. '' This could be anything they deem as a subsidy, which the previous mortgage company had the same amount each month, no added " subsidies '' or other strange and unorthodox terminology. 

Sadly, I am in the process of having to sell this much loved home, because the price of the mortgage continues to be a moving up without any real explanation. 

The current company is called, Mr. Cooper. The previous company was called : " XXXX XXXX XXXX, '' which sold my mortgage to the current Mr. Cooper company in XXXX XXXX last XXXX months have been a financial nightmare, due to the uncertainty that Mr. Cooper practices XXXX i.e., elevating the amount of the mortgage due each month. 

THE XXXX  has all the forms of the changing amount due, with the less than comprehensible rational for the changing the amounts. Moreover, there is no resolution in sight.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I requested a balance transfer of {$9100.00} in early XXXX on my Capital One XXXX XXXX XXXX. I was supposed to be mailed a check within XXXX business days. Despite the XXXX business day timeframe that was given, I have still not received anything even though it was already reissued once. Every time I reach out to customer service, I am told that nothing can be done ( as usual with Capital One ) and that it can't be expedited. Since by this point, I used the funds that were available to me to pay the other card where the transfer was intended to, now I'm in the situation that both of my Capital One cards are carrying the same balance. I also explained this situation to customer service, but was told that the credit also can not be applied to another Capital One card. Therefore now I am sitting, waiting for a miracle while my credit report/store is completely ruined due to an additional {$9100.00} of balance present for absolutely nothing while Capital One is giving me excuses as to why this can not be resolved. If a customer doesn't pay on time, late fees are charged immediately alongside interest, but when Capital One owes money to a customer, only excuses are provided. It is not my problem that this company is unable to deliver a letter.
Product: Debt collection

XX/XX/XXXX - I signed a settlement agreement with Lending Club. It was agreed {$7600.00} of {$11000.00} owed was acceptable by Lending Club. Monthly payments were made and the final payment was made to Lending Club of {$3700.00} in XX/XX/XXXX. The balance was requested by me and I have an email from Lending Club with the {$3700.00} amount as the balance left to pay. In XXXX, Lending Club did report a charge-off on my account in the amount of {$3400.00}. Since then, I am not exactly when they changed the balance to XXXX and kept the status as charged-off. 

XXXX - I received correspondence from XXXX XXXX XXXX stated that I owed {$3400.00} to XXXX XXXX XXXX and the original Creditor was XXXX. ( It was Lending Club that I had the account with. I had never received any correspondence with the Creditor name as XXXX. ) They were offering a settlement agreement for me to pay {$1700.00} of the {$3400.00}. XXXX opened a new account in collections with the 3 credit bureaus and a balance of {$3400.00} as of XX/XX/XXXX. They have continued to report 30 days late each month because I refused to settle on an amount that had already been settled with Lending Club. 

XX/XX/XXXX - I received correspondence from XXXX XXXX XXXX, stating they were verifying the debt and will be servicing the debt for XXXX XXXX in the amount of {$3400.00}. 

XX/XX/XXXX - I sent a certified letter to XXXX XXXX XXXX, explaining that the debt had been settled with Lending Club and the XXXX  should be removed from all three credit bureaus. 

XX/XX/XXXX - I received a letter from XXXX stating they would be looking into my inquiry. 

As of XX/XX/XXXX, I have not heard anything from either Company. However, the XXXX is still on my credit report in collections and they continue to report late each month. 


Thank you for any help you can provide.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I discovered that this company had a credit freeze on my credit. I called them to ask who requested a credit freeze. They indicated that they could not discuss it over the phone. Their placing a credit freeze on my credit prohibited me from obtaining the purchase of a CD from XXXX XXXX on XXXX never gave this company permission to freeze my XXXXThis action cost me {$740.00} in lost interest proceeds.
Product: Credit reporting or other personal consumer reports

Negligent enhancement of identity Fraud Violation of FCRA Failing to comply with 15 USC 1692 ( g ) Violation under15 USC 1681 a ( 4 ) right to privacy I will seek damages, including but not limited to, statutory cost, with each violation incurring a statutory cost of {$1000.00} as specified 15 USC 1692k
Product: Vehicle loan or lease

Lease was extended once. At end of extension I had hardship situation, my mother passed away. Vehicle was repossessed. I was able to finance the balance due in order to redeem my vehicle. 
Redemption process very hard, initially wouldn't provide a pay-off letter or sign an odometer statement. Loan was approved payment was sent overnight, however agent XXXX stated to use Suite numbeXXXX instead of box for delivery. It was a lockbox. They refused to reach out to XXXX XXXX ( lockbox holder ) to find payment for application. I contacted directly and finally had release for vehicle. These delays to 5 days, impound lot charged {$50.00} per day, costing me {$250.00} Upon payment application they started to send me auction house, then back to impound lot, but they sent incorrect paperwork twice, taking up half a day for me to retrieve vehicle. 
They did send me the title with the lien release, but they will not provide me with a bill of sale. I have called twice requesting this.The state of Texas will not issue a new title with lien to my new lender without that. The loan docs only show what I borrowed, but do not show if any additional payments might be made. Documentation of the exact amount is required to collect the vehicle sales tax. 
The payment included repossession fees. They are now stating I owe an additional {$320.00} even though I have a letter that came with the title stating paid in full. They will not provide an accounting or invoice for these extra fees. 
This is showing on my credit reports as a charge-off, but it is in fact paid in full. This same credit reporting also shows a balance due of XXXX KIA Motors Finance team doesn't not appear equipped to assist someone in redeeming their vehicle if they have the means to satisfy the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/1994. I reviewed my consumer reports and noticed that there was an inaccurate account ( XXXX ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted Experian and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

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. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.
Product: Debt collection

I mailed a letter requesting Equifax verify an item on report via certified mail XX/XX/18 ( i have uploaded an example of the letter ). FCRA recommends 30 days to verify. I requested that the item be verified or deleted. It is now XX/XX/18 and I have not gotten verification. This was the second request made to company as i initially requested deletion due to no knowledge of account on XX/XX/2018 via online. Of the three bureaus one ( XXXX ) deleted as meeting FCRA requirements on XX/XX/18.
Product: Credit reporting or other personal consumer reports

I ended up losing XXXX points off of my credit report and it said Harris & Harris, so I reached out to them. The first lady that I spoke with I was explaining to her that I dont even know what this is. I dont owe any of my bills. I dont owe on any medical bills. She hung up on me so I found another number for them and I caught it. The other lady was demanding me that I give her my Social Security number. I give her a credit card number so they could take off a dollar and run a soft credit report I told her I dont feel comfortable doing that. I did give her my Social Security number but when she asked me for my credit card number, I declined this needs to be looked into. I dont owe any bills. I dont owe any medical bills now I was explaining to them that I do have an older daughter.. I dont owe any medical bills now I was explaining to them that I do have an older daughter she had got a medical bill. but shes grown and I did let them know the number that I caught on the medical bill that I was not going to pay that she is a grown woman. I dont know why this bill was in my name if thats the case and if thats what this is, it needs to be corrected and off of my credit report I do not authorize anybody to sell any of my information to any collection agency I need to know if I need to contact the lawyer.
Product: Debt collection

local collection attorney sued me using the original creditor 's name, XXXX, and listed himself as counsel, he had XXXX problem, could not and did not produce an assignment of the debt from the original creditor or proof that he had the right to act on behalf of the original creditor. Produced a false affidavit that was investigated and proven false and submitted statements that had the wrong account number and crossed out terms. He was able to get Judgement against me for XXXX. This is a violation of the FDCPA 807-10-14 and 812 ( a ), also constitutes Fraud upon the Courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my report. This is a violation of my privacy. As well as a violation of the FCRA rules and regulations. 

{$500.00} XXXX XXXX XX/XX/2020
Product: Debt collection

Stuart-Lippan claims I owe the XXXX XXXX company {$12000.00}. I have written and asked for proof that I owe this money. I did not receive and answer. When I asked XXXX XXXX of Stuart-Lippman for prof he told me they will prove it at court.
Product: Credit reporting or other personal consumer reports

I've reached out many times also having a police report, ftc reports etc with no avail to them deleting this fraudulent account off my report.
Product: Debt collection

I am writing to formally dispute the accuracy of a collection account that appears on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and the removal of this account if it can not be verified as 100 % accurate and compliant with federal consumer laws. 

The account in question is as follows : Creditor/Collection Agency Name : Security Credit Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA ( 15 U.S.C. 1681 ), all information reported to credit bureaus must be completely accurate, verifiable, and fair. If the furnisher of this information can not provide documented proof that this debt is valid, belongs to me, and was reported in strict compliance with all relevant laws, then it must be permanently deleted from my credit report. 

Furthermore, I request that you provide : 1. Evidence that this debt is legally enforceable, including the original signed contract.

2. Proof that the entity reporting this debt has the legal right to collect it.

3. Documentation showing that this account has been reported with complete accuracy.

If you are unable to provide the requested documentation within the 30-day investigation period, you are legally required to delete this account from my credit profile under FCRA guidelines . 

Please send me written confirmation of the results of your investigation. If this account is not removed, I demand a detailed explanation and all supporting documents used to verify its. 

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe mandated by law.
Product: Payday loan

In XX/XX/2016, I Re-Requested a Credit Bureau Membership and a Credit Report on ( XX/XX/2016 ). I found a Promotional Inquiry dated ( XX/XX/2016 ) for a PayDay Loan. I contacted the Lender ( whom ) Stated that, Either a Letter or Email was Submitted for an Online PayDay Loan. I was told that, they Could not. go as far Back enough to describe ( how ) the Application was Networked that is, by Email or US Mail and that, ( how ) the Promotional Inquiry was Acquired thatbis, from a Credit Service, Credit Management, Credit Corporation or a Collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don`t have knowledge of this account and have sent letters requesting validation to the, to no avail! I am requesting that you immediately delete information off of my credit report that isnt mine. I have no contracts with these companies and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.
Product: Credit reporting or other personal consumer reports

This is regarding complaint XXXX. I informed Equifax that I filed a XXXX  complaint with the company XXXX XXXX  regarding account XXXX where the company stated they do not directly report a date of last activity so why is Equifax reporting a date last active as of XXXX, while XXXX reported a date last active as of XXXX? Since my last complaint XXXX has since removed the account due to inaccurate reporting. This account is to be removed from my Equifax credit report due to FCRA violations. Please see my credit report showing that only Equifax report this misinformation as well as the complaint summary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is directed towards XXXX, XXXX  and Transunion. On numerous occasions I have sent disputes letters regarding a fraudulent Bankruptcy on my credit report on XX/XX/XXXX. The Bankruptcy reports being dismissed on my report, I explained it must have been an error. I sent a document from the court that they did not give them any information on a Bankruptcy case. On XX/XX/XXXX XXXX  removed a Bankruptcy off of my credit report and added the same day. I have enclosed screen shots from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my desputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S. C.1681I. Which mandates the reasonable investigations of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025 -CFPB-0002 ) against them for similar violations. I request that The CFPB take action to ensure Equifax with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

According to XXXX, Equifax, and XXXX I have two hard inquiries on my credit report. I did not authorize either of these hard inquiries and I do not have an account tied to one of the inquiries. The other inquiry is from a credit card that I have had for over 7 years but for some reason it is showing as a hard inquiry in 2023. I need these inquiries to be removed from my credit report of these three agencies immediately as it is impacting my ability to use my credit as needed.
Product: Vehicle loan or lease

Kia Motor Finance has a deferment program which I applied for and instead of them trying to help me they refuse to - my loan will be 60 days late by the XXXX of this month and they will not help - they say they will approve you and then tell you that there is a document that you need to sign and send back however in the meantime they do not sent the document and this will impact my credit - they are not being helpful at all.