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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX XX/XX/XXXX 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 XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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.
Product: Debt collection

This is in response to CF PB Claim Number   XXXX .     In the original CFPB claim  XXXX , I stated I did not owe any debt and that I wanted to contest. I said I had aske  d Transworld for an itemized invoice but they did not provide one.
It seems Transworld responded by sending another invoice that IS NOT itemized. I will not pay an invoice that is not itemized, especially if I have never done business with Transworld or the debt they are allegedly trying to collect in the place of    XXXX . I have not used  XXXX  in recent memory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing the FCRA rules for the past couple of months and sending letters in with no results. 

XXXX  XXXX XXXX Delete this account because the date last active is reporting 2 different dates. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. This information has been wrong for a few months now. 

XXXX  XXXX Delete this account because the date last active is reporting 3 different dates. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. This information has been wrong for a few months now. 

XXXX XXXX XXXX XXXX XXXX Delete this account because the date last active is reporting 3 different dates/comment. XXXX date last active states XX/XX/XXXX. Experian date last active states N/A. XXXX date last active states N/A. This information has been wrong for a few months now. 


XXXX XXXX XXXX Delete this account because the date last active is reporting 3 different dates. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. XXXX date last active states N/A. This information has been wrong for a few months now. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

In regards to the Fair Credit Reporting Act law, 15 U.S.C. Sec. 1681i ( a ), these accounts must be deleted. I want these accounts deleted since they are not 100 percent accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX  Account name- XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : **Cease and Desist of Communication Under 15 U.S.C . 1692c ( c ) ** Dear XXXX XXXX XXXX, I am writing to formally request that you immediately cease and desist any further communication with me in regard to the debt referenced in your records.

Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me about this alleged debt. Specifically, I am requesting that you refrain from any further written, verbal, or any other form of communication, including phone calls, letters, and emails, unless it is for the purpose of notifying me that your collection efforts have ceased, or you are taking specific legal action. 

Please be advised that any further attempts to communicate with me in violation of this request will be considered harassment, and I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my states attorney general. 

I request that you confirm in writing that you have received and are complying with this cease and desist request within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a letter from CashNetUSA saying I was past due on my payment and that I owe {$1000.00}. It had my name, address and even had an account number. They have called me daily saying they needed to discuss " an important matter ''. I have never taken out a cash loan. I did not take out this loan. When I asked for information about the nature of the charge, they said it might have been done online. I asked for a receipt. They said they would need more information from me before they could give me information. I checked my credit report, and there is no such loan listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did report to this following companies XXXX and Equifax my concerns as a individual protected by the consumers laws about having my name XXXX, addresses and some fraudulent hard inquiries posted on my credit repor.
Product: Debt collection

Someone used my information to open accounts at First Tech Federal Credit Union and now they sent my information to a collection agency who has harassed me into paying money on a fraudulent opening account, Ive filed complaints with them and the XXXX, they refused to correct this and went ahead and reported this to my credit!! This account was allowed to be opened even though Ive a fraud alert and frozen my XXXX, they still opened it and allowed transactions.
Product: Credit reporting or other personal consumer reports

Violation FTC Public Policy derogatory marks left on credit report & CFPB Consumer Protection Act Data Breach of my personal information to dark web, third-partys unknown inquires without my consent, Authorization. Breach of data Employees of XXXX XXXX Credit Card. 
And theft of information, Mishandling- of- billing- disputes Practices and USURY LAWS of Federal and State.Committing Unfair Deceptive and Abusive- Acts Practices Regulations pursuant provisions of TILA violates Card Act Major provisions Probity of Contract Law didnt provide me with ramifications or Consent. FDCPAct [ 15 USC 1692 et sew. ] & ( FCRA ) 611 ( a ) ( 1 ) ( A ) This is not a refusal to pay However this notice made pursuant Competent ecvidence, Negligent Enablement of Imposter Fraud. 

Deceptive- Unfair - Practices. 
Abusive Acts Practices of charging interest on loans but limited maximum rate of XXXX percent, Violation Federal and State CBP laws mishandling - of- billing-disputes Practices and USURY LAWS VIOLATIONS VIOLATES No Notice, Arbitrary Action Rights denied. Old information reappears never goes away.
Product: Debt collection

Transworld Systems illegally committed multiple violations against my consumer rights. Attached is a copy of mailed correspondence to the company making them aware of my violated rights as a consumer, and owed remedy via invoice for my injuries form their violations.
Product: Debt collection

After repeated attempts to get the debt collector to stop contacting me, they continue to do so.
Product: Debt collection

Spring oaks capital llc removed the collection account then added it back with a new date making it seem like its a new collection account. This caused my credit score to be lowered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with Navy Federal. This is a fraudulent account and i would like for it to be closed out and removed from my credit report. 

Please Remove and close this account promptly.
Product: Debt collection

I am writing to express my frustration and extreme annoyance at the continuous ignorance of my requests by your bureau. It is beyond reasonable that despite my repeated attempts, these critical matters concerning my credit report have not been addressed promptly. I want to emphasize that the other credit bureaus have already acknowledged errors in reporting and have promptly removed the disputed accounts from their databases. Additionally, a legal identity theft report has been filed with a federal agency, and the respective creditors have explicitly confirmed their commitment to removing these accounts from my records, absolving me of any liability. ACCOUNT INFORMATION : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This continuous delay in addressing my concerns, despite clear evidence and actions taken by other credit bureaus, is unacceptable. I expect immediate compliance with the Fair Credit Reporting Act ( FCRA ) and demand confirmation in writing once the necessary corrections have been made. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30 day late payment reported on my Experian and XXXX  report and a 60 day on my XXXX. I believe this report is in error. I have reached out to Disputes PO box provided by XXXX XXXX  on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years. 

Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue. 

Contacted bank again that day, was told need to escalate case will hear back in 24 hours, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then transferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute. 

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and " we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.
Product: Credit reporting or other personal consumer reports

Experian Inquiries : XXXX XXXX XXXX : XX/XX/XXXX. XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX , IA XXXX Re : CFPB Case # XXXX To Whom It May Concern, This letter is in response to your correspondence dated XX/XX/XXXX. I want to clarify that I am not disputing any information nor claiming identity theft. My request is to have my UCC-1 financial transactions added to my XXXX credit profile as public record trade lines, similar to how other credit data and public records are reported. 

My UCC-1 Financing Statement, filed on XX/XX/XXXX, with File Number XXXX, lists the following collateral : XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) This statement includes a promissory note ( Account Number : XXXX ) and a security agreement ( Account Number : XXXX ), with XXXX XXXX as the secured party. I have attached a copy of the UCC-1 document as reference. 

I do not understand why possible fraudulent activity was cited. I am requesting only that these public records, which meet all legal standards, be reflected on my profile. Please clarify the basis of this concern, so I can address any misunderstandings. 

Please confirm receipt of this letter and advise on any additional steps required to proceed with this request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I applied for refinancing on my mobile home loan through 21st Mortgage. XXXX suspicious things occurred. The first one involves the reason I applied for refinancing. I saw a sign outside another trailer park offering a 4.93 % mortgage rate in big letters with 21st mortgage 's insignia on it and this rate was confirmed by the XXXX XXXX XXXX XXXX XXXX staff. When I applied for refinancing from my 9.9 % mortgage, they told me that the lowest rate for financing for all credit scores was 10.8 %. I asked 21st mortgage company if they knew about the sign and they said that it was false advertising and it did n't exist. I took a picture and sent it to them and received no response. The XXXX XXXX XXXX XXXX XXXX told me that 21st mortgage provided them with the sign to put up. The second suspicious moment occurred when I was denied a refinancing opportunity and I received an email stating that I could restructure my loan if I paid them {$2000.00}. When I asked what was meant by that statement, the agent, XXXX XXXX, refused to elaborate and said he would take care of it. I got denied refinancing and he asked for money. Is n't that fishy? I do n't know what that means. It seems to me that something either I do n't understand is going on or the company is trying to take advantage of people.
Product: Debt collection

I utilized XXXX XXXX services and was informed i owed {$500.00} which the sales representative over the phone waived partial {$250.00} balance of the XXXX informed me i only had to pay {$250.00} plus and additional {$230.00} for activation and to restart services. Few months later i noticed my bill increasing to XXXX to XXXX to XXXX per month as i called them to question them about the bill a billing representative informed me they were collecting on an old bill which i disputed the agreement between the sales rep and i, but instead they gave me the run around. So i cancelled my services with them and they continued adding extra fees and charges totalling to {$930.00} for no reason on the final bill. I do not owe them one red cent. They have sold the account to a collection agency Sequim Asset Solutions who is reporting me negatively on my credit. XXXX XXXX committed fraud by using deceptive practices in trying to collect money from me i did not even owe.
Product: Debt collection

On XX/XX/year> Genesis crdt inaccurately reported on my credit that {$9300.00} is owed. I have absolutely no knowledge of this company or done business with them. Please remove inaccurate information immediately
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was notified that my credit dropped significantly over XXXX points due to improper reporting by this agency, under the Fair Credit Reporting Act ( FCRA ) to ensure that only accurate and verifiable information is reported. The following items in my credit report remain incorrect : XXXX NAME -XXXX- Is inaccurate information status reported 15USC 1681i REPORT NO. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I transferred a balance to XXXX to take advantage of a 0 % offer for 12 months on a balance transfer. I set up auto-pay on the XXXX website. I verified my first payment went through without an issue in XXXX. After receiving no letters, emails, calls, texts, or other notices from the company I received an email from XXXX in XXXX telling me I had a 30 day late payment reported on an a credit card account. After reviewing accounts I realized I was unable to log in and review my XXXX account details and my auto pay details. I called XXXX to see what happened. They took no responsibility for the fact that the auto pay system failed, they also took no responsibility for not even telling me in any form or notice that I was late at all, however, they did agreed to credit me back the late fee, nonetheless that was a minuscule consolation considering the company was damaging my hard earned credit history. After several more communications with XXXX and numerous hours on the phone I realized they were not going to assist me with removing this 30 day notice because they claimed there was no bank error. But, in fact, there was a bank error and even worse zero communication from them about my auto pay not going through or that I was even late at all. It took over 30 days after that payment was due before I finally received a letter from them in late XXXX saying my account had been closed and I could no longer make payments online. I must say, I have worked with many financial companies and I rigorously keep track of my payments and credit score. The service and attention I have received as a customer from XXXX has been appalling and I hope that by filing this complaint XXXX tries harder and modernizes and corrects their auto pay system, establish safe guards and warnings to customers when payments are not received on time, and establish a clear protocol to assist customers in removing bank error late payments that show up on customers credit reports due to XXXX  failure to communicate adequately or assist their customers. I have not had a late payment on any debt for over 8 years and it is very frustrating to work so diligently to establish an XXXX score only to have it dismantled by a poorly run financial company like XXXX, now my score is in the mid 600s. Please note I am still paying this card and do expect it to be fully paid by the end of the 0 % promotional period. I hope the CFPB can assist me with this matter so not only I, but other customers of XXXX do not get fleeced in this manner in the future. If I were preparing to buy a car or take out a home mortgage this could have had huge financial implications for me, so for now I am sidelined from making any significant purchase with credit like a car or home until this matter gets resolved.
Product: Payday loan, title loan, or personal loan

I bought out my lease on XX/XX/2022. Paid XXXX with a check. 
I called XXXX on XX/XX/XXXX to make sure they were sending me my title and gave them my new address. 
I was informed that it was shipped on XX/XX/XXXX. I waited two weeks and received nothing. 
After calling them I was informed they mailed it to the wrong address and theres nothing they can do to help me. 
I called them every other day since then Trying to get someone to help me but all they do is hang up and be extremely disrespectful.
Product: Debt collection

This debt is with G C Financial Services XXXX. They claim to be collecting for XXXX. I 'm a veteran. I was oversees during the period that XXXX claims I had their service. They also claim the service was provided in South Carolina, but I never lived there. 
I previously contacted XXXX XXXX and thought that I had worked this out with them. They took themselves off of my credit report. This happened over a year ago. Now they sent a collection account to .G C Services I tried to work this out with G C Services. I implored them to contact XXXX to verify that this was not my account. They refused to work with me and only offered me a settlement that was 65 % of the balance that they claim I owe them. They also refuse to remove themselves from my credit report. even upon payment. I 'm most upset that they will not contact XXXX XXXX. I ca n't understand that. I have tried to get XXXX XXXX to contact GC services, but they say they do n't have a record of me. I ask them to communicate that with GC and they say there is no way to do that. Really? I asked XXXX for a letter stating they have no record of me and they refuse to provide XXXX.
Product: Mortgage

I am trying to receive a monthly statement about my mortgage. Yesterday, I called twice, and was told both times that an email was sent, but no email has arrived. 
I asked if I must go through the process of calling repeatedly every month, and was told, " Yes ''. I asked for an explanation, and was told it is a rule. This does not comply with the Periodic Statement Rule of the U.S. government. 
Also there is not a way to communicate via email with this company ; this also does not comply with the rule.
Product: Credit reporting or other personal consumer reports

I've recently checked my report and noticed inaccurate accounts and inquiries reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to your agency after the XXXX XXXX XXXX  response. They told me that you are collecting a debt on their behalf. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Radius Global Solutions has violated my rights as a consumer and I requesting legal action to remove this account immediately.