23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 ANFI sent me a letter stipulating that I owed money for a debt they are trying to collect. They identified the debt as liability for a claim of {$5000.00} owed to XXXX XXXX XXXX XXXX regarding a loss that occurred on XX/XX/2020. No such liability exists to the best of my knowledge. I have had no accidents, nor any claims made against me or my insurance company during the time period described. My name is misspelled in their letter, further eroding the credibility of their request. I am concerned that even though the claim appears to be false, they will negatively impact my credit rating or bring further collection actions against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF ED/XXXX  Acct # XXXX Loan amount {$1700.00}, and Acct # XXXX Loan amount XXXX. Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Debt collection

XXXX XXXX XXXX XXXX : Current Creditor XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX : current creditor XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Current Creditor XXXX XX/XX/XXXX I advised all creditors that I had medical coverage and there should be no bill or debit I went over it with Medicaid and told them that they were advised to contact Medicaid and it would be paid.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I have been on automatic payments with my Bank of America credit card and then all of a sudden, I get reported as 30 days late on my credit report and got a phone call from a customer service rep. There is no way. My payments were coming out on auto pay so how was I 30 days late. Then I made a payment and they lowered my credit limit to {$2300.00}. I just paid another {$1200.00} on my credit card too. I was doing everything I could to be responsible and make on time payments. Now I feel like I just keep getting punished. I was reported as late after I thought it was on auto pay and then my credit limit gets lowered.
Product: Bank account or service

I had charges on my account that were from fraudulent companies and I was trying to stop them from occurring. I called Fifth Third bank to freeze my account, and they would n't so I had to pay for XXXX stopped payments. The payments did not get prevented and it was a waste of {$130.00}. I wanted to close my account, but they told me it would take 48 hours and within that time, if a transaction came through, they would open it again to let it go through. 

I then had to open XXXX investigation cases on the payments that I tried to get them to stop- because of this I had to open up a new account to move my money. They linked my current bank card to the new account and were mailing new checks that took over two weeks, and because I had no access to the full account number online and no checks, I could n't switch all of my payments over to the new account. I had to continue to use the old account in order to get my personal business done. One night after work, I made an ATM deposit using the only card I had, which was tied to the new account and because the deposit did n't go into the old account per say- and I could n't transfer funds until the next day, they charged me almost {$300.00} in overdraft fees on my old account. 

I tried to go in a bank branch and reason with them, the manager of the branch told me he had no power to reverse anything. They also had in the past, charged me fees for their own fees!! Such as the stopped payment fees- they charged me overdraft fees on my old account for the stopped payment fees they charged me. Everything is charged to me by this bank over and over again- they find any reason to take money from the customer- they are serious crooks. 

I ended up closing my accounts with them and I still have one account that was the original account I tried to close and now it 's negative {$1500.00} from all the overdraft fees they charged me, since I was not paying them for almost {$300.00} in overdrafts a couple of weeks ago- they would n't reason with me at all. I hate this bank and I do n't want to pay them a dime more. 

Please help.
Product: Mortgage

Mortgage broker did Credit inquiry on my credit report without authorization. 
Talked w/ husband heard him telling them not to do Hard pull, meanwhile I gave no XXXX authorization to do a credit check on me
Product: Mortgage

I sent Bank of America qualified written request in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ) and Regulation X at 24 C.F.R. XXXX, and The Gramm Leach Bliley Act, A TILA Request in compliance with the Truth in Lending Act and a Dispute of Debt and Debt Validation Letter in compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and FIOA on XXXX XXXX, XXXX. My qualified written request was notarized by XXXX XXXX XXXX, XXXX Republic for the Commonwealth of Massachusetts and was sent certified mail number XXXX XXXX XXXX XXXX XXXX. I received a response from XXXX XXXX, Litigation Specialist II on XXXX XXXX, XXXX stating that only XXXX pages were to be included ; however on XXXX pages were received and I have until XXXX XXXX, XXXX ( only XXXX day ) to respond or they will close the case. This letter had no contact information other than a fax number and the XXXX pages that they received was not included. I tried reaching out to Bank of America to contact XXXX XXXX and no one there seems know who she is. I have faxed the qualified written request to XXXX today and also attached the fax transmittal sheet as proof. Bank of America is acting in bad faith and is refusing to comply with my request. 
I am writing Bank of America to inquire about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. 
To date, the documents and information I have, that Bank of America have sent, and the conversations with their service representatives, have been unproductive and have left unanswered questions. As a consumer, I am extremely concerned about predatory practices, specifically regarding this mortgage company or anyone who has any interest this matter. 

I am concerned about the possibility of potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices that may have negatively affected my credit rating, mortgage account and/or the debt or payments that I am currently, or may be legally obligated to. 
THEREFORE, I am legally and lawfully able to demand, and do demand, first hand evidence and information from Bank of America, pertaining to the original, uncertified or certified, security, regarding my account, # XXXX. Failure to provide this security will be confirmation that you had not created or owned one. Bank of America is not above the law and by law they have to comply.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I JUST CHECKED MY CREDIT REPORT AND FOUND THIS FRAUD COLLECTION FROM XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX 

DELE THIS FRAUD COLLECTION ACCOUNT NUMBER XXXX WITH A {$690.00} I NEVER BEEN KNOWN THIS COMPANIES OR NEVER DONE BUSINESS WITH THEM. 

I AM A VICTIM OF IDENTITY THEFT AND SOME PEOPLE STILL TRY TO STEAL MY INFORMATION. 

DELETE THIS FRAUD COLLECTION FROM MY CREDIT REPORT BY LAW.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information on my credit report. I believe that this account is being inaccurately reported
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and act penncreditcorporatio account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A.states I have rights to privacy.

15 U.S.C 681 section 604 A 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

I did not authorize any companies to pull credit for the purchase of a vehicle. my identity was used and credit was pulled on XXXX different possible car loans without my approval
Product: Debt collection

XX/XX/XXXX The creditor agency sent this to my employer is very old debt and embarrassed me. I just started this Job in XX/XX/XXXX. They contacted my new employer and demand information they obviously already have. I have copied and pasted below and also send a photo of letter. They contacted both of us they same day. I also got a letter and they didnt give me time to respond the just to the Liberty to send my employer a document. 

CIVIL COURT OF THE CITY OF XXXX XXXXXXXX XXXX OF NEW YORK XXXX XXXX XXXXXXXX ASSIGNEE IN INTEREST TO A XXXX ACCOUNT Plaintiff US - XXXX File Number XXXX Index No. 
XXXX INFORMATION SUBPOENA AND QUESTIONNAIRE Defendant ( s ) DEES S.S. 
LAST KNOWN ADDRESS : TO : THE PEOPLE OF THE STATE OF NEW YORK Employers address was here WHEREAS, an action in the CIVIL COURT OF THE CITY OF XXXX XXXX XXXX OF NEW YORK, between XXXX XXXX XXXX XXXX IN INTEREST TO A XXXX ACCOUNT as Plaintiff and XXXX XXXX XXXX defendant ( s ) who parties in said action, Judgment was entered on XX/XX/XXXX in are alr favor of XXXX XXXX XXXX XXXX named IN INTEREST TO A XXXX ACCOUNT Judgment Creditor and against, in the amount of {$4900.00} of which {$4900.00} less credits, if any, remains due and unpaid ; and NOW, THEREFORE, WE COMMAND YOU, that you answer pursuant to CPLR Section 5224 ( a ) ( 3 ) * in writing under oath, separately, and fully each question in the questionnaire portion of this subpoena, each answer referring to the question to which it responds, and that you return the answers together with the original of the questions within 7 days after receipt of the subpoena. 
TAKE NOTICE : False swearing or failure to comply with this subpoena is punishable as contempt of court. 
I HEREBY CERTIFY, that this information subpoena complies with Rule 5224 of the Civil Practice Law and Rules and Section 601 of the General Business Law and that I have a reasonable belief that the party receiving this subpoena has in their posession information about the debtor that will assist the creditor in collecting the judgment. 
DO YOU HAVE ANY INFORMATION FOR THE FOLLOWING? IF YES, PROVIDE THE FOLLOWING INFORMATION BELOW : NAME : SSN : HOME TEL : HOME ADDRESS : EMPLOYER : TEL : WORK ADDRESS : PAYROLL ADDRESS : XXXX XXXX : EVERY : BANK : ACTIVE GARNISHMENT : DIRECT DEPOSIT [ Y/N ] : BAL : ACCOUNT : [ 1 TERMINATED : Reply To : XXXX, XXXX XXXX XXXX. 
1 I have no information on Defendan t Felt & Warshaw, LLP XXXX, NJ XXXX
Product: Credit reporting 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Radius Global Solutions keeps repeatedly calling my number. I do not owe anyone any money.
Product: Payday loan, title loan, or personal loan

As per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. 15 USC 1681A & 15 USC 1681B CC XXXX Last reported XX/XX/ {$2400.00} Reported balance
Product: Mortgage

I have been residing at my home for at lease 10 or 11 years and never file an insurance Claim welsfargo is my home mortgage Loan Bank I 've made an insurance claim due to Hail Damage on Roof XX/XX/2016 I received a Check from XXXX XXXX XXXX XXXX made out to me and Welsfargo For the replacement of Roof and other damages I personally went to the Bank to have check endorsed to me and was told that they could n't cuz I was behind on my mortgage payments And wants me to contact A Roofing company so that they can endorse the Check to them!! I am a XXXX and if I got behind on my mortgage was cuz of Personal Issues I an currently all caught up on my Mortgage I was told by my Boss that since it was my House that I can request to be a Self Contractor and that I can Repair the Roof nd Damage I contacted the Property loss Dept at XXXX for A faster Resolution to Be A Self Contractor on XX/XX/2016 and was told to Fax them a written letter with my request on That same day XXXX fax them my written notice I Was told that I would have a response in XXXX or 4 Days finally on XX/XX/2016 I called them Back and was told I was n't approved and without an explanation As why I was n't approve as a Self Contractor please Help me with this Situation!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I filed for Bankruptcy I agreed to pay my attorney through fresh start funding. I was able to make a few payments. I submitted emails to my attorneys, and fresh start funding my eviction letter, health issues and not working a 80 hour pay period. I called fresh start funding in XXXX AZ, and asked could I start over in a new contract and they stated no. I want to start over, and have those no payments removed from credit report. I want to pay.
Product: Debt collection

I am writing to you to complain about Common Wealth Financial Systems XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I have found adverse account information listed on my credit reports, XXXX, XXXX  and XXXX. I have no known or verified accounts with this business and after repeated verification request Common Wealth Financial Systems has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, and XXXX  as recent as XX/XX/2019. Common Wealth Financial Systems has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$1100.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Common Wealth Financial Systems multiple times via registered USPS certified mail with return receipts which prove Common Wealth Financial Systems has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Common Wealth Financial Systems has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Common Wealth Financial Systems is well aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
Product: Vehicle loan or lease

To whom it may concern, In XXXX of XXXX, I purchased a used car against my better judgment. I am an unmarried military widow and I was a new resident of a new state and I was struggling to get situated. We went to a XXXX dealer who sold us a XXXX XXXX. I bought the car and the down payment was low, the paperwork implied that the car was in decent shape, The low down payment that we paid was increased by {$1000.00} 4 months after we had the vehicle in our possession. A call from an account manager. Announcing that we did not satisfy the proper down payment and they discovered the administrative error, and I was made to pay the {$1000.00}. I asked for a grace period for my impending monthly payment. I was denied. they blew me off with something about 'contractual obligation '' An alleged senior manager from the XXXX location where I purchased the vehicle. Told me to contact JAG or whomever I wanted. I had to pay the money or return my vehicle, IT was the law. 

I am a military widow and a single parent. At that time I was afraid of not being able to provide for my senior parent and daughter in a new state. I paid the XXXX extra and yes it was a hardship. I have never had interactions with BRIDGECREST Acceptance corporation that resulted in a solution for the account issues I begin to notice excessive fees, harassing collections calls, and emails. aggressive collection behaviors, I spent a great deal of time disputing excessive credit reporting on my credit report. If a dispute is in error and retracted, the damage is already done to the consumer 's account I have asked to return the vehicle they have assured me that would cause me more damage, credit-wise. I also noticed that when the account was current I still received many calls. 'Reminders that my BRIDGECREST bill was soon due. I am drowning and they are excessive with their collection practices. As a consumer, I am being financially drained and my credit is trashed.. I did some research and found out that Bridgecrest acceptance Corporation is in violation of the USC 15 congressional codes and the fair credit reporting act laws that are put in place to protect the consumer. Via registered mail I have sent over a packet with a notarized Cease and Desist letter, an affidavit, and supporting documents to prove violations. I hope your agency can provide the support I need. Bridgecrest has received my communication. As of XX/XX/XXXX. They have elected to ignore my notarized " Cease and Desist '' and all other legal documents included in the packet, they reported me to the credit bureau as 60 days late causing another plummet in my score .which violates my request in Cease and Desist document. according to XXXX. My case is not an isolated incident they have many similar complaints regarding contracts and collection practices. 
attached is a copy of the info I sent certified mail to BridgeCrest Acceptance Corporation, in an effort to support my claim Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my consumer report and noticed some unauthorized inquires & accounts on my report and my right have been VIOLATED. In pursuant to 15 USC 1681 section 602A, I have the rights to privacy along with 15 USC 1681 A section 2, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. None of the creditors complied with the gramm leach bliley act ( 15usc6802 ) i was never given the ability to opt out and my information was used without my permission which is identity theft. The hard inquiries & a few accounts on my report constitute being identity theft as well because the corporations that furnished them on my consumer report never had permissible purpose or written permission by me to even put them on my report. the permissible purpose law ( 15usc1681b ( A ) ( 2 ) & the GLBA have been violated which results in identity theft. 18usc1028 ( a ) ( 7 ) defines identity theft which is someone possessing, transferring or using a means of identification of another person unlawfully. Failure to comply with FCRA can cost anywhere from XXXX to {$1000.00} per violation, in addition to punitive damages determined by the courts. With that said, these companies has not only infringed my right to privacy but also violated multiple Federal Laws. I have also reported this to the Federal Trade Commission, reference # XXXX. Below will be a proper list of inquiry names with dates & accounts that I demand to be removed/deleted from my consumer report immediately! 

XXXX. XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX, XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. EQUIFAX MORTGAGE SERVI on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX ON XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ACC # XXXX XXXX. XXXX XXXX ACC # XXXX & XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ACC # XXXX