23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/year> my father passed away. He had a used car loan at Randolph Brooks Federal Credit Union. On XX/XX/year> I went to the bank to pay off the car loan so I could get the title to the car. The bank informed me AFTER I paid the loan that they would not release the title to the car until I paid off another existing loan my father had with the bank ( line of credit ). They also said they would not talk to me about any other debts my father had with the bank or release any money that was in his accounts to me even though I was listed as the beneficiary. They said I needed to submit the Death Certificate first before they would do anything with me. However, they still took my money ( {$4500.00} ) to pay off the loan. 

On XX/XX/year> I went back to the bank with the Death Certificate and gave it to them. I asked for the amount owed on the line of credit loan AND an e-mail that stated that once I paid the line of credit if I would be given the title. They said I would have to pay {$530.00} and after I paid that amount I could be issued the title to the car. 

On XX/XX/year> I went to the bank and paid the amount owed on the line of credit at {$530.00}. I did speak with a member of XXXX XXXX ( XXXX XXXX and I was informed that now they would release the car title to me. 

On XX/XX/year> I received the car title ( hard copy ) from the Texas Department of Motor Vehicles in the mail. It was dated XX/XX/year>. The postage date on the envelope was XX/XX/year>. I would have received the title to my father 's car had I paid off my fathers loan or not. 

I feel as though I was tricked by the bank to be responsible for the debt of my father. I was told that the title wasn't going to be released until I paid the loan and yet it was released anyway. In good faith I did what was told to me by the financial institution ( RBFCU ) and lost {$530.00} of my personal money when I should not have been responsible for my father 's debt. They took my money on XX/XX/year> to pay the loan but still held onto the title in coercion to get me to pay my father 's debt..
Product: Debt collection

I HAD SIGNED UP CONTRACT WITH XXXX for match making. The name of the sales girl is XXXX -- I had sent her my requirements that I am looking for highly educated man, professionals like doctors and engineers -- XXXX -- They told me that they have lot of professionals enrolled in their system but they never introduced me to anyone other than XXXX guy who said he is XXXX but he appeared to be XXXX -- looked very old -- then they told me that they have high professionals but they are all XXXX area and they do not want to date long distance since I live in XXXX XXXX they never rendered their agreed services but charged my credit card for nothing -- they lied about everything -- They did not provide any services -- there are lots of complaints for this company -- since they entice people and entangle them -- to make their money -- but they do nothing in return other than lying to the clients. -- there are lots of complaints online about their company -- I had no real date at all -- -if they had no professionals in this area -- they should not have lied to me -- just to sign me up and make money -- very big fraudplease check -- XXXX : XXXX XXXX- ... 
XXXX XXXX : XXXX when they almost told me the truth that they have no professionals in this area or inother words -- they can not find me any match -- I called my bank and told them to help me -- they called the merchant and closed my card for defrauding me -- They sent the amount to the collections which I saw recently in my credit report through credit karma. 
Please help me to resolve it. I want that everyone should be alarmed about their fraudulent system -- People should know that they are a scam-I even told my attorney and she did send them a letter for not providing the services and defrauding people -- Please contact me asap.These are the collections accounts that are reported as open on your credit report. 
AgencyOpen XXXX BalanceOpen XXXX BalanceOMEGA RMS {$2600.00} {$01.00} account reported on XXXX XXXX, XXXX accounts reported on XXXX XXXX, 2015 OpenAccount # XXXX XXXXBalanceXXXX XXXX XXXX XXXX XXXX Creditor $ XXXX BalanceApr XXXX, XXXX DateXX/XX/XXXX XXXX, XXXX ReportedIndividualResponsibilityThese were the emails -- exchangedOn ThursdayXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX & gt ; wrote : XXXX, The contract said You guys introduce people within 3 days -- -I had signed up on XXXX -- -No results within XXXX weeks. 

On Monday, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : XXXX Monday, XXXX XXXX, XX/XX/XXXX XXXX XXXX, Match Making & lt ; XXXXXXXXXXXX & gt ; wrote : Hi XXXX, Thank you for the update. We will be in touch soon. 

Have a great day! 

XXXX XXXX Sat, XXXX XXXX, XX/XX/XXXX at XXXX PM XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : On Saturday, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : On Monday, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX lt ; XXXXXXXXXXXX & gt ; wrote XXXX XXXX XXXX XXXX XXXX, XXXX, Is it possible for you to work on my case -- since you have met me. 
I need more experienced, result oriented person to work on my situation.
Product: Credit reporting or other personal consumer reports

The item below should be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. This inquiry was not authorized FIRST HELP FINANCIAL Date of inquiry : XXXX  Please remove it from my credit report. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent letters to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Debt collection

LJ Ross and associates. Calling and hanging up on me multiple times per week. I do not have any debt that I am aware of. They won't stop calling. They keep calling and hanging up so I can't speak to anyone to ask them to stop calling. My credit rating is over 800 and I do not have any debt for them to collect. I don't know what their problem is as they won't let me know why they keep calling since nobody is ever there to speak to. I've had enough of these people and I know my rights. They are to stop calling me immediately or this will be harassment.
Product: Checking or savings account

On XX/XX/XXXX, around XXXX, my debit card made 9 unauthorized fraudulent transactions in excess of {$720.00} dollars. I immediately acted, locking my card via the Wells Fargo portal and then called per their instructions found online. They indicated the claim was processed and within 10 days everything would be handled and a temporary credit would be issued. I waited patiently ... came back with XXXX dollars credit on charges I never disputed. I called 5 separate times for resolution. I needed help, so I went to the local bank I have been a loyal consumer for since 1998. The banker called 3 separate occasions, which took several hours each appt I had to set up. Eventually the bank manager stepped in. Fast forward to XX/XX/XXXX. No resolution, no follow up, nothing, just continue to wait 10 days sir. I had heard that over 3 times now. The manager was able to uncover the issue, which was that XXXX XXXX refused to refund the money to the bank, which means, me, the consumer was to take the loss. The entire reason I set up my account with XXXX, now Wells Fargo was because they ensured me my money was federally insured up to 150k for issues such as this. Please help me come to a resolve with this issue I am facing. As a result of these charges I am potentially at risk of defaulting on my personal financial obligations for issues outside of my control, but clearly stated on their website that I'm covered for by being a consumer with their establishment.
Product: Credit reporting or other personal consumer reports

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX Balance : {$0.00} 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 ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1. Inquiry Date : XX/XX/2023 Creditor Name : XXXXXXXX XXXX XXXXXXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : XXXX  XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Type : Hard 4. Inquiry Date : XXXX, XXXX  Creditor Name : XXXX XXXX Inquiry Type : Hard 5. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard All these inquiries above were put on my credit report by a dealership I found out. I Personally never stepped into these dealerships and do not know the inquiries. 
I filed for identity theft because of these fraudulent inquiries. because they are fraudulent
Product: Debt collection

Phoenix Financial Services has been calling repeatedly. First called on XX/XX/XXXX, then XX/XX/XXXX & XX/XX/XXXX from XXXX. 
They are spoofing there number as a quick XXXX search says their phone is XXXX. I have eldery fa.ily in the area code XXXX & out of fear something has gone will answer the number. 
On this call the person on the line was very very hard to hear & there was a beep that covered up there voice. I had to ask them several times for the name of the company. They were so hard to understand I had them spell it out. Even then it was hard to understand. After confirming it was me I ask for the amount. The person wouldn't provide it. I was super annoyed at this point & asked several more times for the amount. I wasnever provided the amount l. Only to that there would be more security checks. 
I have noticed a big increase in calls to my cell phone. They have even sent u wanted text messages. They have sent a total of XXXX text messages. The sent XXXX messages in XXXX XXXX, then XXXX XXXX, then in XXXX XXXX & another XXXX XXXX XXXX. 
At this point it's pure harassment & has not wanting to answer my phone when I see XXXX, even tho it could be an emergency.
Product: Mortgage

In XX/XX/2018 I was laid off from my job and just days later had my wallet stolen. I immediately closed my checking account and opened new account with same banking institution. Unfortunately, I neglected to update online banking information when making XX/XX/2018 mortgage payment ; however, days later it occurred to me and immediately called Select Portfolio. The updated account information was provided to Select Portfolios representative and payment was made. The representative assured me the banking information had been updated online and no further action was required. This was not the case as the following payment for XXXX was returned by my bank as closed account. Although I can appreciate Select Portfolios concern, my sharing that I was assured by their representative in XXXX that my banking information was updated in their system was met with confrontation and requirement for future payments to be made by certified funds. Payment to replace returned check was sent by certified mail and received by Select Portfolio on XX/XX/XXXX. A few days later I received a collection call from Select Portfolio. Imagine my shock when I learned that said XXXX payment of {$2600.00} for XXXX mortgage was applied to line of credit rather than my mortgage. Since the payment on the line of credit is approximately {$330.00} each month, it baffles me why it was posted to that account. I was assured it would be corrected ten days ago and yet it remains unresolved. 
Unless corrected, I lose benefit of the tax deduction for 2018 for XXXX mortgage payment as a result of their sole action. Further, from a credit standing, it impacts to have late payment as a result of their ineptness and lack of interest to correct. 
As an aside, I did utilize the ombudsman with not as much as an acknowledgement much less a response. Any assistance you can provide in this matter would be very much appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX SSN : XXXX XXXX  XXXX : XX/XX/XXXX Phone : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Account Verification and Proof in Accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) Dear Experian, Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I am requesting verification of the accounts listed on my credit report. According to the law, you are required to verify all accounts through physical copies of the original accounting records and signed consumer contract for each account. This is necessary to prevent fraudulent information from being posted to a consumers credit report. 

I am demanding verifiable proof of the original accounting records and signed contract for the following accounts listed on my credit report : XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Opened or to be opened on XX/XX/XXXX, with no balance ( {$0.00} ). 
XXXX ( XXXX XXXX ) : Opened on XX/XX/XXXX, with a balance of {$0.00}. 

Your failure to verify these accounts has adversely affected my ability to obtain credit cards, property rentals, car loans, home loans, employment opportunities, and other basic necessities. Under the FCRA, any account that can not be 100 % verified as accurate must be deleted from my credit report. 

Furthermore, these accounts may contain inaccuracies, outdated data, or information that has not been properly updated. I suspect the following potential issues with these accounts : Inaccurate or outdated account details Inaccurate balances, including paid or closed accounts Identity theft or fraudulent activity Discrepancies between the information provided by different credit bureaus Potential violations such as double reporting by collectors or misreported account status If you are unable to provide verifiable proof ( original accounting records and signed contract ) for the accounts listed above within XXXX calendar days of receiving this letter, I demand that you remove these accounts from my credit report. Failure to comply will be considered a violation of Section 617 of the FCRA, which allows for civil liability for negligent noncompliance. 

Please respond with the requested proof or confirmation of removal of these accounts. If you need further information from me, do not hesitate to contact me at the contact information provided above. 

View uploaded documents by clicking on the file name. 
XXXXXXXX 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 Remove Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the faire credit reporting act convergent account 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXXXXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, XXXX, and Equifax to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS.

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX XXXX XXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Database Breach Announced XXXX XXXX 2017 My personal, private information was compromised due to a lacking in their security. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/24, my account was overdrafted due to the XXXX XXXX XXXX XXXX being compromised and froze all deposits. This has created a snowball where I'm getting hit with {$140.00} in overdraft fees on a daily basis. I turned off both debit cards but PNC refuses to put a freeze on XXXX Debits, which is going to continue to cause NSF/Overdraft Fees. I attempted to close the account to stop the continuous fees, to which I was told that they can not close the account due to the negative balance. So, while I wait for things to get resolved with my payment company, I'm continuing to get hit with XXXX debits and incurring more fees. I would like for PNC to either freeze the account completely or close the account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that you cease and desist from reporting these accounts immediately from my consumer report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. Failed to provide a proper investigation and Validate the debt, no proof this debt is null and void. ( I never recieved any validation proof of this account ) 2.I never gave you consent to furnish this on my report 3.15usc 1681 ( a ) ( 4 ) you have not excersice your your grave responibilities with fairness, impartiality, and respect for the consumer rights to privacy. 
4.15usc1681 ( a ) ( b ) your organization did not adopt such proceedures that meet the need of commerce for consumers credit. 

Cease & Desist from reporting these accounts remove them within five business days or I will seek further actions against you Thank you for your coorporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE WRONG NAMES AND ALAIS NAMES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED
Product: Credit reporting or other personal consumer reports

The accounts I am disputing present significant issues and require a thorough reinvestigation. By law, it is your responsibility to reexamine disputes submitted by consumers. The furnisher has failed to provide proof of the accuracy of the reported account. Given the lack of investigation by the collector, this account should be removed from my credit report.
Product: Debt collection

I have tried to contact Nationstar Mortgage, LLC many times in regards to the assignment of mortgage and wrongful foreclosure action. I attempted to contact Nationstar Mortgage via an error requestt letter sent certified mail on XX/XX/2021. Nationstar Mortgage, LLC has not responded as of XX/XX/2021. I am once again attempting to contact Nationstar Mortgage, LLC via an administrative procedures Act letter dated XX/XX/2021 in an attempt to allow Nationstar Mortgage, LLC to resolve issues in regards to the information and facts contained within the administrative procedures act without further litigation.
Product: Credit reporting, credit repair services, 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 : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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.