23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a derogatory account on my report that should not be there from XXXX XXXX XXXX  XX/XX/22. That information is inaccurate. I spoke to XXXX XXXX when this situation first occurred, and they agreed to contact the bureaus and remove the 30-day late payment. they contacted you remove it right after I was notified of the negative remark. the next month my points came back, and I was happy, but the bureaus never removed the remarks. please remove these remarks so that I can try to purchase my dream home, I don't want these remarks to negatively affect the image of my credit worthiness
Product: Debt collection

Notice for Proof of Claim Account : CAINE & WEINER COMPANY INC To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

I have sent 4 requests to Equifax to have inaccurate dismissed bankruptcies reporting on my credit report removed. I have sent an affidavit requesting they answer my affidavit point by point, line by line and provide proof of the verification of these dismissed bankruptcies. I have received deficient responses and an unanswered affidavit stands as truth in a court of law. Not only that Equifax removed these bankruptcies on XX/XX/2018 and then re-inserted them on XX/XX/2018, which is a violation of the FCRA, Section 611 ( B0 ( i ) A ). I received no certification of the the accuracy of this information that was re-inserted. 
I refer to the attached Equifax Credit report CHAPTER XXXX BANKRUPTCY DISMISSALS as clouded. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcies did not have Entry of the Order for Relief nor ever been Adjudicated. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A,  immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcies on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed Loans reports that all my loans are currently late. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? 
These are the following account : XXXX There are 8 Loans in total.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX a charity company with the IRS, so I thought told me to invest in money and theyll pay me back a certain amount back.They said that if I didnt pay them back that I would got to jail and their company would be sued if I didnt pay them, this went on for 2 days.All the money was sent through XXXX and XXXX XXXX  to different numbers they claim they were banking managers reviewing the transactions.I started to get scared and stopped sending money all the money I had for XXXX XXXX  ( {$6000.00} ) .So on XXXX XXXX  I went to my back to report the fraud and that I had been scammed they still have my account on locked but when I was talking to their office manager he said that it was my fault and that my money wasnt going to be refunded back.I told them why and they just proceeded to say that it was my fault for believing them, I continued to tell them that they claimed that they were a charity organization working for the IRS.They made a claim just in case and I have a claim number they told me theyll do the claim but my money isnt going to be refunded to me.I still have my account is locked since they have the 10 business day investigation in my transactions but Im just scared that if I wait till they are done with that that my money wont be refunded back to me.Can you please help me get my money back I have all the scammers phone numbers used and email.I start school on XXXX XXXX  and that was the money I was going to use. I have made a report to the federal trade commission as well. 
Thank you
Product: Debt collection

I received a call from a man from a South Carolina phone number claiming to be from Regional Finance who said he could help me with my Debt. I told him I know nothing about any company called Regional Finance and my credit is excellent. He asked to confirm my identity and I asked him to confirm his as he is the one who called me. 
He got upset claiming I was behind in payments and he wanted to help get my account up to date. I said I am not paying any phantom debt and he could XXXX off or I'd come to his house and make him pay the debt. He wanted to confirm my address. I said that you called me so you should have my address if I truly owe a debt, so I am not providing that for you. He mentioned my name again but this time with a different last name. I told him it wasn't me and he proceeded to tell me that my identity may have been stolen or someone used my phone number for a loan. I hung up and then searched for the Regional Finance bank office in XXXX, NC and called the office I found. I spoke with a lady who looked me up in their system by my phone number. She said that I was on a loan call list and have been marked to not call in their system. I asked to speak with someone to confirm why they were calling me about a loan I did not owe. She then transferred me to a man, whose voice I recognized as the one who called me earlier. 
He told me that my phone number has been marked as do not call from the loan and that he didn't wake up today and say he was going to harass people for money. 
I find this hard to believe as I received a piece of mail from them two days later for a different person at my home address who you can clearly see in the attached document is NOT my address and NOT my last name! 
It is obvious to me that the person they are after is not me and the address is different. Why then did they go find a person with the same name and call them to collect a debt - that is a poor tactic to collect money for a debt from the wrong person. It is obvious that that person is not me, so they should have never called me to pay any money I did not owe.
Product: Vehicle loan or lease

On XX/XX/2020 my son XXXX and I saw an online add for a XXXX XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Utah in the amount of {$9900.00} with their advertised " Forever Warranty '' ( see Exhibit 1 ). We made an appointment to see the car the evening of XX/XX/2020. Despite the appointment, the car was not available. It was at the detail shop which was closed. We went back the morning of XX/XX/2020 to test drive the car. We liked the car very much and started discussing a sale. We were informed that the base purchase price would be {$10000.00} because of additional shop fees. We were also informed there would be an additional {$290.00} for " Key Replacement '' service, an additional {$190.00} for brake light enhancement, and {$700.00} for " DrivePur 2 yr '' interior disinfectant spraying service to be applied four times over two years ( see Exhibits 2 and 3 ). We told them we didn't want these, but they said they add these to every used car. They refused to remove these items from the sale, even though they weren't even installed yet. We were also told the car didn't qualify for the Forever Warranty because it was over 75,000 miles - despite it being advertised. We ended up purchasing an extended warranty for {$1100.00} ( undisputed ). 

We should have walked away but we were caught up in the car and trying to figure out what they were telling us about these nonsensical add-ons. 

My first complaint is about XXXX XXXX 's unfair and deceptive advertising. The car was listed at {$9900.00} XXXX plus tax and dealer fees of course ). They added so much on that the sales price went up by {$1600.00} ( plus tax and dealer fees ). 

Also deceptively advertised was the Forever Warranty. While this may have been a sloppy oversight and not intentional, the fact is, the dealer knew the mileage and thus had knowledge that it would not be warranted. Even if it was an oversight, it became a factor in looking at and purchasing this particular car and weren't informed there was no warranty until we asked, well into the sale. 

My third complaint is regarding the financing. The dealerships credit dept ran our credit reports, then sent our request to at least two other finance companies ( XXXX XXXX XXXX ( Exhibit 5 ), XXXX XXXX XXXX XXXX XXXX XXXX ( Exhibit 6 ). We only agreed to one financier, but we acknowledge XXXX needed to make an inquiry to determine a suitable lender. So each of our credit reports has four inquiries now which harms our credit scores. These were unauthorized credit pulls as these lenders had no " permissible purpose '' under the Fair Credit Reporting Act. 

I have worked in the heavily regulated financial industry for 35 years and I'm well aware of unfair, deceptive, and abusive acts or practices when I see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the Consumer Finance Protection Bureau a few days ago against XXXX  XXXX XXXX and Nation Star Mortgage. 24 hours after filing the complaint, which had nothing to do with the information reported by XXXX XXXX XXXX on my credit report my closed and paid in full Mortgage loan was removed from my Credit Report. 
I received a phone call yesterday and voicemail message from XXXX XXXX XXXX Regulatory Compliance Services XXXX ext XXXX. 

This call was a response to a complaint I opened regarding the banks non compliance with XXXX XXXX mortgage settlement and {$10000.00} they owe me via a lien they refused to remove, even though they sent me a letter promising to do so. Once I tried to sale my home the Bank stated ignoring my phone calls and refused to talk to me. So during the escrow process I had to pay them the {$10000.00} or loose the right to sale my home. 

The removal of my previous payment history is retaliation and another example of the XXXX XXXX XXXX unethical business practices. I called Regulatory Compliance at XXXX   XXXX XXXX 10 times yesterday and they never returned my call. The XXXX system is being abused by XXXX XXXX XXXX and it's a violaion of of my rights
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I called XXXX XXXX to ask them what date did my grace period end due to a temporary financial hardship that was ending. My payments had not been late and I was calling to discuss when I could pay before their grace period ended. They told me XX/XX/XXXX was the last day. Payment was made on XX/XX/XXXX, yet late payment still showed up on XX/XX/XXXX.
Product: Debt collection

In correspondence dated XXXX I sent this company my disputes for items related to identity theft. By law the company is required to expunge all information from my credit report within 3 business days for identity theft victims. This was not done and my report is still marred by this fraudulent item. XXXX XXXX # XXXX This is my final correspondence before taking legal action, I am requesting that they comply with the law and expunge these item within 3 business days. 

Attached : Copy of my initial letter to this company Copy of my id theft report
Product: Debt collection

XXXX, College Assist had XXXX contact me about a student loan that was consolidate through XXXX. During tax time, College Assist had department of the treasury, forward my federal tax return to them. Once I found out, I call College Assist, and they said it was an ERROR on their part, and my refund will be issue back to me. Now, XXXX tax year, they have once again are trying to collect for a account was already paid to them from XXXX Once again, they have taking my tax return. Once again, I 'm having to send proof that the account was paid off. XXXX, has closed my account, but then College Assist had ECMC make a request to gain my return, plus ask me for more money. The account in question is the same account that was paid from XXXX. XXXX has also talked to about the accounts, and verify all College Assist accounts under my name are Paid. I feel College Assist is trying to get double paid for accounts, and making false complaints that they have not been payment. Once I prove they have been paid, they get another collection company to try to get me to pay an account they know it have been paid. They also, are not helpful when it comes to proving the accounts have been unpaid, and do n't accept documents via fax or email that will prove the account was paid. They say send it via mail or fax, but some of their employees say different. Sounds very unprofessional. Their ethics, and tactics for consumer service is terrible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXXXXXX { {$1600.00} } XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.
Product: Debt collection

American Express Debt Collector XXXX XXXX XXXX. Called me numerous times at work. The following times that the company called me at work are as follows. XXXX, XX/XX/, XX/XX/, XX/XX/ and many more times. I can not receive during my work hours. The debt collector continued to stay on the phone and would not get off the phone. My job here at work is to answer calls from patients, doctors, nurses. This phone call from the debt collector ties up the phone so I can not do my job.
Product: Debt collection

i have been dealing with this company for months. They have repeatedly verified this collection and they are in violation being unlicensed in florida No, a collection agency can not collect in a state without a license in that state. They also can not report a debt to your credit report without being licensed. 
Explanation Debt collectors must be licensed in the state where they operate and in the state where the debtor resides.

The Florida Consumer Collection Practices Act ( FCCPA ) requires all debt collectors to register with Florida, including those who are out-of-state.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies in violation of my privacy and unlawfully using my consumer transactions against me. Federal law prohibits the sharing of my private transactions, unless permitted through writing, by me, the consumer, which I have NEVER given either of them permission to even create a consumer report pertaining to me. Pursuant to 15 USC 1692b & 15 USC 1692c ( b-c ), all activities being reported are illegal. If reporting continues, I will exercise my right pursuant to 15 USC 1681 ( N ). 
I am being restricted of trading and contracting due to the unlawful reporting and sharing of my personal consumer information. Restrictions to my securities and my inalienable birthright, as a fully capable adult who has full capacity to contract, has been extremely damaging to my mental, physical and spiritual health.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a credit report alert for the first time through XXXX notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named XXXX XXXX XXXX. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number. Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.
Product: Mortgage

I was trying to settle about my payment history when someone in their bankruptcy department and this foreign speaking guy who was very rude toward me, and unprofessionally hung up on me while I was trying to explain to them that I made 4 payments for this month XX/XX/2019. They are supposed to be making sure my payments are being applied to my account not intentionally trying to mess me up! It's very frustrating when they refuse to work with you or even listen to you because Carrington has these foreign speaking people that don't understand English or maybe they understand. Carrington is flat out making this difficult or they are telling employees to harass and hang up on me!
Product: Debt collection

I was sent a letter that was misleading. It states that I have a certain amount of time to dispute this and then there is another date on the back that states a different date. I disputed this right away asking for more information. I sent them a Debt VOD letter I didnt hear anything in response to that letter because by the time they could have received they sent one 2-day air stating they were going to sue me. They didn't give me any time to dispute this they also have been harassing me at work and at home. They have called my job they have sent a letter to my office. They have called my husband Millions of times asking about me. I have asked them to send more information on who they are and what they want they will give me nothing I have asked for. I called them after receiving threats they are going to forward my information to a lawyer. I don't know what personally information they have sent over to another person. I do not want them to send this information without my consent if they are who they truly say they are I would like them to verify my information me before I start giving them my hard-earned money that is not too much to ask. And if they could not jeopardize where I work That would be great. I feel like my back is up against the wall and these people are taking advantage of people that arent aware of what they are doing.