23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Did not receive a bill. But this should have been sent to my insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

ACCOUNT NAME - XXXX account balance {$210000.00} account open dated XX/XX/XXXX Cares Act Veribage : " The delinquent payment shown on my credit report XX/XX/XXXX TO XX/XX/XXXX was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XX/XX/XXXX TO XX/XX/XXXX PLEASE UPDATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that someone is using my personal information to open up credit accounts with my knowledge. I noticed an open account with XXXX in XX/XX/XXXX XXXX that I didn't authorize. The number for the company is not in service. It says that XXXX XXXX is a loan company for immigrates and I am a US citizen. 

I also noticed unauthorized inquiries in my report from XXXX  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 ) and XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) There is an account with XXXXXXXX XXXX XXXX XXXXXXXX that has been reported as charged off in the amount of {$2400.00} that is not my account. Date opened XX/XX/XXXX There is a collections account for XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$840.00} and also XXXX XXXX XXXX in the amount of {$1400.00} opened XX/XX/XXXX Please remove these items from my account. 

Thank you
Product: Credit reporting or other personal consumer reports

I have two hard inquiries on my credit report that I did not approve. One is XXXX The other is XXXX XXXX XXXX XXXX I need my accounts protected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing an account on my consumer report that is a result of alleged identity theft. I did not benefit from the transactions. I have sent Experian written correspondence which included my proof of identity, an identity report, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. Also, I have sent a copy from the small claims court in NJ that the account does not belong to me.
Product: Debt collection

CFPB complaint dated XXXX/XXXX/16 This complaint is in reference to XXXX XXXX forwarding a direct dispute to MSW Capital LLC and that MSW Capital LLC appears to have never received because of the wrong address and MSW Capital LLC reply to another complaint I filed with the XXXX of New Jersey on XXXX/XXXX/16. MSW Capital LLC continued attempts to collect on a paid account. 

History After a dispute through the CRA 's, XXXX XXXX updated the account as paid. 


On XXXX/XXXX/16 ( see attached ) I sent a direct dispute to XXXX XXXX regarding the paid account being properly reported. They forwarded that dispute to MSW Capital LLC. XXXX XXXX XXXX, NJ XXXX XXXX XXXX had stated they transferred the account to MSW Capital LLC . However XXXX XXXX does not report MSW Capital LLC on there trade line as owner of the account. My credit report has no other account reporting under MSW Capital LLC. 

I submitted a complaint with the XXXX in reference to clarification of MSW Capital LLC address. MSW Capital LLC replied XXXX/XXXX/16 there address was MSW Capital LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX ( see attached XXXX Complaint ) However MSW Capital LLC response indicates they have not been notified the account has been changed to paid after a dispute through the CRA 's in reference to the XXXX XXXX account. To avoid MSW Capital continue attempt to try to collect on paid account I would like them properly notified. 





Attach credit report showing XXXX XXXX Account paid dated XXXX/XXXX/16 Letter sent to XXXX XXXX XXXX/XXXX/16 Letter XXXX XXXX response XXXX/XXXX/16 XXXX MSW Capital response XXXX/XXXX/16
Product: Mortgage

In XXXX, We refinanced our mortgage through XXXX XXXX which sold it to Countrywide which was absorbed by Bank of America. After having our second child we tried to sell our home to find something larger to no avail as the market came crumbling down. Bank of America ignored our calls and requests for over 12 months regarding loss mitigation options. Finally they told us they could n't discuss any options with us because we were current. In XX/XX/XXXX we stopped paying the Mortgage. We were told by Bank of America that we needed to find buyers if we wanted a Short Sale and we did on multiple occasions only to have BOA back out or not respond. We were forced to repeat this process numerous times to no avail. After we found a larger property to rent, Bank of America changed the locks barring us from entering the property XX/XX/XXXX / XX/XX/XXXX. We still tried to work with them but every 2 months they would say they were missing paperwork and the process needed to start over from scratch. In XX/XX/XXXX we filed Bankruptcy hoping that would give us a reprieve from BOA and the largely upside down property. We were discharged from bankruptcy XX/XX/XXXX. Unbeknownst to us, We now do not qualify for a new mortgage because A. we have a recent bankruptcy B. the property is still in my wife 's name ( even though the locks have been changed ) C. We get demand letters from the Condo Association regarding unpaid fees ( as BOA still has yet to foreclose the property ). 
We want to move on with our lives but there does not seem to be a way to do so ... Furthermore we will not qualify as 1st time home buyers when our Bankruptcy discharge hits 3 years, because BOA has refused to finalize the process they started 6 years ago.
Product: Debt collection

I am writing to express my extreme frustration and distress regarding the ongoing presence of fraudulent accounts on my credit report. Despite having escalated this matter to the appropriate authorities, the situation persists, tarnishing my creditworthiness. I have diligently followed the necessary steps to address this issue, including filing a police report and working with the relevant authorities. Unfortunately, the impact on my credit report remains, causing significant distress and adversely affecting my financial opportunities. 
XXXX XXXX XXXX XXXX XXXX  XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXXXXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I kindly request an urgent and thorough reinvestigation into the fraudulent accounts listed above. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers the right to dispute inaccurate and fraudulent information on their credit reports, and I am exercising this right. Given the gravity of the situation and the steps I've already taken, I request that you prioritize and expedite the resolution of this matter.
Product: Debt collection

I started receiving phone calls from this number on my personal cell phone, home phone, and work phone on X/X/18. First and foremost they are NOT to contact my job for any reason. This is a personal matter and it should/will be handled as such. My number one complaint is that they are calling me asking me to verify my identity via social security number and date of birth to some strange person who advised the call is being recorded. If you are calling me in reference to a debt and I have verified that you are speaking to the person you asked for I will not give you or anyone else who is calling me from some XXXX my personal information There are too many scams going around and the only thing they would provide to me was that they were calling on behalf of XXXX XXXX and would n't give me anything else. I have not received anything in writing from this alleged debt collector about what or who they are and what they are trying to accomplish.
Product: Student loan

On XX/XX/XXXX I called Mohela student loan Public Safety Loan Forgiveness program to see when my discharge letter would be mailed for the PSLF, Public Safety Loan Forgiveness program. They tried to take me off the PSLF and put me on a different payment plan. I finished college in XXXX, at that time I was a XXXX XXXX worker ( XXXX for the XXXX of XXXX ). In XXXX I began making payments on my student loan. When the PSLF first came out I signed up for the loan forgiveness. I called back to see how things were going shortly after signing up for the PSLF. They told me everything looks good and I will receive a discharge letter. 

I called back on XX/XX/XXXX XXXX XXXX they told me they were waiting on the other side to make a decision. They told me I made XXXX payments and needed XXXX more payments to equal XXXX. I told them I made XXXX payments. They said yes you did but we accepted only XXXX, had something to do with subsidizes in which all this is new. When I first signed up I was waiting on a discharge letter now this is new trying to have me to continue to pay on a different program and disregard my PSLF in which I made XXXX payments!
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer from Bank Of America XXXX Checking Account to my personal XXXX IRA account with XXXX XXXX on Saturday XX/XX/XXXX. I saw the wire transfer completed on XX/XX/XXXX at XXXX XXXX with BoA and debited from my XXXX Checking Account. I followed up with XXXX XXXX on XX/XX/XXXX and they did not receive the amount. 
The money was routed through XXXX XXXX using XXXX Clearing account for the benefit of my XXXX IRA account. 
I reached out to all the three banks involved ( BoA, XXXX XXXX and XXXX XXXX XXXX multiple times today and still unable to get the issue resolved and tracked the fund debited from my BoA Account. The Federal Rerserve Wire Reference Number for this transfer is : XXXX from Bank of America. 

Can you please help resolve the issue at the earliest. 

Thanks XXXX XXXX
Product: Vehicle loan or lease

I purchased a used car XX/XX/XXXX financed through Westlake Financial. The car was repossessed in XX/XX/XXXX. I did not get any paperwork saying the car was being sold nor did I receive paperwork saying the car had been sold and that I owed the balance. I recently was shown multiple violations to my auto contract and requested a copy of my contract from Westlake Financial XX/XX/XXXX and a week later, that's when I was served a citation through District court saying I owed. I do feel this was a adverse action but according to our signed contract, per the Westlake, we must go through Arbitration and not the courts. I filed a motion to dismiss and compel arbitration - no waiver of rights. I will show that his contract is subject to the Truth In Lending Act, and that Westlake is a creditor as defined in 15 U.S. Code 1602 ( g ). The term finance charge refers to the total of all charges, as defined by 15 U.S. Code 1605 ( a ). The finance charge, according to15 U.S. Code 1605 ( a ) ( 2 ), is supposed to include the Service Contract Fee and these charges were not included but charged additionally. The finance charge does not include cash comparables. I was charged a down payment in the amount of {$2500.00} Charging a down payment where no cash should have been included is a violation of TILA. This is a violation of 15 U.S. Code 1640 ( a ) for failing to comply with TILA. I was told that I must have insurance to take possession of the vehicle but it says in 12 CFR 1026.4 ( b ) ( 8 ) that property insurance is required, and because it is required it was supposed to be included in the Finance Charge. It was not included in the Finance Charge therefore you, the Creditor, violated U.S. Code 1605 ( c ). It is clear that Westlake Financial would be held liable under criminal liability in the court of law in accordance with 15 U.S. Code 1611 ( a ) as for Whoever willfully and knowingly gives false or inaccurate information throughout this agreement governed by the Truth in Lending Act.
Product: Credit reporting or other personal consumer reports

RE : XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts { LIST ACCOUNTS HERE } pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

These accounts have led to the deterioration of my credit score and have directly resulted in my current living situation in a shelter. The following collection accounts, which do not belong to me and were not authorized by me, have severely affected my financial well-being : 1. Account Name : XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$78.00} Date Opened : XX/XX/XXXX 4.Account name : XXXX XXXX Account # XXXX Balance : {$8800.00} Date open:XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Date open : XX/XX/XXXX Balance : {$380.00} The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter. 

I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA.

I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation.

Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX : {$560.00XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- I am entitled to Fair Credit Reporting.

-- I have given them authorized permission to report my address on my consumer credit report. 
-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 

-- Letters have been sent with this address by certified mail and return receipts have been received by me. 

-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.
Product: Credit card or prepaid card

My account was accessed from a fraudulent person, and for the last 2 months the bank will not accept my identification that I faxed for identification of myself it will not solve the fraudulent charges nor let me pay off the account. They also froze the account so that I can not even pay payments on it. Capital One Bank credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am having a major issue with Launch Servicing. I have sent many disputes out regarding inaccurate information on my report but they have not fixed the issue. Today I called them to see how I can get this removed from my report and they did not want to help me. I attached a copy of my report showing different balances reporting across all 3 report. Including an attachment directly from their website showing a completely different balance. Can you please investigate this for me? It is causing emotional distress. If you look at my report this account is also reporting as 120 and 180 days late but also shows as a delinquent account for many years. I don't understand how its reporting as open and late. I am also going to file a complaint with the state attorneys office if this company doesnt delete this account because as mentioned I have filed several disputes already and they are still violating the FCRA XXXX I'm sure they are aware that they are violating my consumer rights. Thank you in advance for investigating this matter. Please see attachment