23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2024 I am writing to express my extreme frustration and disappointment with the ongoing dispute I have been having with XXXX and the Eastern Account System collection agency. Despite numerous attempts over the past five months, I have been unable to resolve this issue. 
As documented in the attached files, XXXX has acknowledged that they made an error, which they claimed to be addressing three months ago. However, the collection agency continues to refuse to remove the incorrect information from my record. When I called them today to request an update, the representative abruptly hung up on me without providing any assistance or even disclosing her full name ( she only gave a partial name, " XXXX '' or " XXXX '' ). 
This situation is having severe consequences for me, as I am on the verge of losing my licenses, which generate over {$10000.00} in daily income. I urge immediate attention to this matter to prevent further harm to my livelihood.
Product: Debt collection

I have sent a letter to them directly along with my identity theft report and their original XXXX XXXX dispute form and copy of my police report. i am requesting that they delete this account from my credit profile and from their office. thank you
Product: Mortgage

this is for loan # XXXX with Freedom mortgage. have not updated it in nearly 5 years, since my XXXX due to having lost nearly all ability to type. have had many experiences since then, too numerous to list. my name is XXXX XXXX and i can be reachedXXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My information is being misused by the company per 15 U.S. Code 1681e my consumer report is not reflecting maximum possible accuracy. They are still reporting a debt that is no longer outstanding after I have informed them about it. I even submitted proof that the alleged debt is no longer outstanding with the proper legal documentation. They have failed to grant my request as a federally protected consumer. Now I am suffering from having inaccurate information reporting on my credit report and this is causing me financial hardship.
Product: Debt collection

XX/XX/2021 : I sent Notarised : Affidavit of Truth : Nelnet Cease and Desist Debt Validation Letter Invoice 0f violations, 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ) 15 USC 1692f ( 8 ), and 15 USC 1681b ( 2 ), Invoice total {$5000.00} payable by check
Product: Credit reporting or other personal consumer reports

Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. 

Account details in dispute : * Creditor or Institution Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. 

Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within 30 days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. 

Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. 
* Communication records showing my relationship with this account. 
* Evidence showing that the account is valid and accurate. 

If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. 

Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. 

Thank you for your attention Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I had an XXXX  loan in XXXX  by Wellsfargo loan and my interest was really high. I was charged a lot of different fees and ballon payments towards the end of my loan. I believe this is a part of the class action lawsuit.
Product: Credit reporting or other personal consumer reports

Since XXXX  does not have access to my loan information at this time, they are not in a position to verify the late payments that they say I owe, making them unverifiable under the FCRA. As a result, I am requesting an immediate investigation into these inaccuracies. If the disputed items can not be substantiated, I respectfully demand that they be removed from my credit report immediately in compliance with federal law. Under the Fair Credit Reporting Act 15 U.S.C.1681, credit reporting agencies are required to report only accurate and verifiable information.
Product: Money transfer, virtual currency, or money service

I sent remittance money from my bank account to a foreign recipient via Sendwave /CHIME. Sendwave/Chime deducted the said money from my bank account but never delivered to the recipient bank account. I contacted them regarding the anomaly. They asked for a bank statement from the recipient bank as proof money was not deposited/remitted into that account and I complied. I obtained a bank statement from my recipient bank and sent it to XXXX  sendwave and they acknowledged receiving the bank statement. Everything then went quiet. They have not told me what happened to my money which in total is {$10000.00} for XXXX weeks now. 
When I call or chat with their representative, they seem to take me in circles. Sometimes they ask for more bank statements or promise to escalate the complaint without any tangible results.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX BALANCED {$790.00} XXXX XXXX BALANCED {$1000.00} XXXX  XXXX XXXX BALANCED {$680.00} XXXX  XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXXXXXX {$31.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX BALANCED {$80.00}
Product: Vehicle loan or lease

Hello, CFPB, I have a loan with Chase Bank of which was cancelled on XX/XX/XXXX with the dealership, The XXXX XXXX. The dealership claims it filed a " flat cancellation document '' with the bank to complete the cancellation, but Chase Bank claims it has not received such document. I am well within my rights for cancelling the loan. I have never had possession of the vehicle and, in fact, the dealership has refunded my down payment, but it hasn't filed a " flat cancellation document '' according to Chase. 

The first payment is due XX/XX/XXXX. Chase is saying I must make a payment although this has been cancelled and I've never had possession of the car. I spoke with a Chase representative on Monday, and she assured a notation in my account that XXXX not responsible for loan payments and that my credit will not be affected, while they pursue the dealership to complete the cancellation. 

But I can't trust what's not in writing ( I've been lied to many times ). So I went into my Chase account and sent a secured message for confirmation. And this is what I got ( see attachment ). 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter that synchrony bank reduced my credit limits because I charged more than my limits its incorrect
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a high credit amount of {$55.00}, this is a deposit account and not a credit line extension. The balance of the {$55.00} was an overdraft of the account. XXXX XXXX XXXX was also included in a XXXX XXXX bankruptcy filing and should be reporting any debts nor high credit limits on my consumer profile, and this account has also reached the statue of limitation to report negative items in which it was established in XXXX and included in a bankruptcy in XXXX. There are no legal grounds to update an account once it's included in a bankruptcy. Therefore, XXXX XXXX XXXX  is violating my federal consumer rights by continuing to report past the statue of limitation and also by continuing to report negatively after being included in a bankruptcy. Adding notes to the account doesn't take away the negative status. This is a serious violation and Equifax, XXXX, and XXXX are co-conspirer in the negative reporting and not updating my consumer report in accordance to the federal consumer laws.
Product: Money transfer, virtual currency, or money service

I made purchases at XXXX using the Zip ( formerly Quad Pay app ), I made returns on some, and Zip continued to take installment payments out of my checking account on these already returned items. I have asked them over and over to look into this and fix it. It has been a whole run around. 
Then the representative XXXX told me over and over that, I can open up a new account if I allow them to close the current. Did so, and tried to open a new account, but the system didn't let me, I let XXXX ( Zip ) know right away, ... .. no response, totally gone. 

https : //zip.co/us Zip Pay still owes me money. 
R
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. 

- XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX XXXX has violated my rights. 
- XXXX XXXX  XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX  # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX  # XXXX has violated my rights. 
- 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act [ NORDSTM/TD ACCOUNT # XXXX has violated my rights. 
THIS HAPPENED IN THE MONTHS OF XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX. Under 15 USC 1681 section 602 states, I have the right to privacy. 

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

LexisNexis Consumer Center XXXX XXXX XXXX XXXX, Request for Validation of Bankruptcy Entry on Credit Report from XXXX XXXX XXXX LexisNexis Consumer Center, I hope this letter finds you well. I am writing to request the validation of a bankruptcy entry that appears on my credit report. According to my credit report, there is a bankruptcy entry listed under my name and Social Address : XXXX XXXX  XXXX XXXX XXXX, MO XXXX I am requesting validation of this bankruptcy entry to ensure the accuracy of the information being reported on my credit file. It is crucial to me that the information on my credit report is correct, as it can significantly impact my financial opportunities and creditworthiness. According to the Bankruptcy Court they do not report to credit reporting agencies and non-credit transaction which you are a non-credit agency. I have not granted your agency permissible purposes to report defaming information to my credit report according to the FCRA 12 CFR 1022 and Federal Regulations 79308. I have a right to dispute inaccurate unverifiable information and access to my file is limited without proper authorization and validation that I gave you permission or you validated with the court using proper disclosure documents signed by me according to15 USC 1681b. Please provide me with the following information : Verification that the bankruptcy entry is accurate and belongs to me in accordance with 15 USC 1681b with proper wet ink validation documents and affidavits under oath of who provided your corporation with the documents and your validation procedure including the chain of command of who you spoke with and whom provided documents under oath of who provided your company with an investigative report relevant documents associated with this bankruptcy filing. The name and contact information of the reporting creditor or entity that provided this information to LexisNexis. I understand that you are required by law to investigate this matter and provide a response within 30 days of receiving this request, as per the Fair Credit Reporting Act ( FCRA ). Please send the requested information to the address listed above. If, after your investigation, you find that the bankruptcy entry is inaccurate, I request that it be promptly corrected or removed from my credit report. Additionally, if you are unable to verify the accuracy of this entry, I ask that it be deleted from my credit file. Thank you for your prompt attention to this matter. I look forward to receiving your response within the legally mandated timeframe. Should you not conduct a thorough investigation or use a system such as E-Oscar and not a in person investigation. I will be filing a complaint with the SEC and other federal regulatory because XXXX XXXX XXXX as LexisNexis is securirizing Consumer information for a new issue and selling personal information on the secondary market for substantial profits which is a criminal violation of identity theft and I will report it to the FTC and the Federal Ombudsman for a thorough investigation. XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service. And unfair practices, which violate. Customer financial protection act.CFPA. Please Cash app. Failed to take timely and effective to measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore, the dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under electronic funds transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss I seek appropriate redirect for these violations
Product: Vehicle loan or lease

I have paid my full balance on my XXXX XXXXXXXX XXXX to Westlake Portfolio Management, but now they are saying I owe XXXX XXXX XXXX XXXX dollars more. I ask for an the balance of what I own and they tell me it is in my contract. My contract does not have this information, I asked for my title to the XXXX XXXXXXXX XXXX but they want to extort more money out of me. Westlake Portfolio Management is an racketeering company praying on the old, and poor victims,
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B compels us to eradicate any erroneous accounts from my credit report. Could you please double-check the paperwork? A few of the enumerated accounts show inaccuracies in reporting, such as incorrect amounts and dates.
Product: Debt collection

It 's BB & T calling every morning at XXXX in an attempt to collect a debt for a charged off account. This phone number does not belong to the person owing the debt, but does belong to a relative of the person. It 's annoying because its not a live person but a recorded message. Please stop these calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Franklin Collection Service called me at work, caller 's name was XXXX XXXX. When XXXX identified herself and told me that she was calling from a debt collection agency, I told her that I can not accept these calls at work and that she needs to call my cell phone. XXXX then yelled at me and told me that she can call me anywhere that she wants. I then got very upset, and I told XXXX that she is under no circumstances allowed to call me at work, as my employer does not allow it. XXXX then yelled at me again and said " then why don't you pay your bills? Maybe if you'd just pay your bills, I wouldn't have to call you at work. '' I told XXXX that if she did not quit harassing me, that I would be speaking to my lawyer. XXXX said " you go right ahead and get your lawyer, ma'am, he ain't gon na help you. You need to pay your bills. '' I then asked for XXXX 's full name, she said " XXXX, but I already told you that, you don't listen. '' I said " What is your last name XXXX? '' She said " XXXX. '' I said " What is your phone number where I can reach you at? '' She gave me the phone number. Then I asked to speak with her supervisor. XXXX said " you can speak with my supervisor, ma'am, but he ain't going to do nothing for you. '' The supervisor was a male, and he was just about as rude as XXXX. He got very offended when I asked for proof of my debt through XXXX, and he again told me that I just needed to pay the bill. I told him that I will not be paying any bills, as I do not believe that the amount is correct, and I am disputing the balance. Supervisor still pushed to have me " take care of my bills '' after being told I was disputing it. I told the supervisor if they wish to see any payment, they need to have less attitude and treat people with respect. I said " I have already told you that I am disputing this charge, and if you do not quit harassing me, you can follow me around for the next 7 years until it falls off. '' At this point the supervisor stated to me " I see that you know your rights. You have a good day, XXXX XXXX. ''
Product: Credit reporting or other personal consumer reports

Per the FCRA as A Federally protected Consumer I am opting out of any and all Authorization I the Consumer may have given you written or non written or verbal and non verbal per 15 united states codes 6802. 


you are reporting a charge off on my consumer report which is a certificate of indebtness, which means you can not report income on my consumer report. Please send me a check in the charged off amount. 

Furthermore I have highlighted the FCRA and FDCPA Violations on my consumer report. You are reporting inaccurate information intentionally on my report. You are also in violation of the Privacy act of 1974. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

I have no knowledge of this account. I never received any notifications about this account. This is listed as medical and it violates HIPPA and I want this removed asap.
Product: Debt collection

On XX/XX/XXXX I, XXXX XXXX completed the application ( Instrument ) issued to me by the Salesman at ( XXXX XXXX XXXX XXXX  ). After signing the application ( Instrument ) l, XXXX XXXX issued it back to the Sales representative as an account receivable. In XXXX Terms : The instrument was an asset to cover the cost of the XXXX XXXX XXXX I was never informed that my application ( Instrument ) would be sold to ( GM Financial ) on my behalf for what the amount financed box display under the Truth-In-Lending Disclosure section. - MISLEADING The next thing I noticed is that the contract at the top states : You the buyer ( co-buyer, if any ), may buy the vehicle below for Cash or on Credit By Signing this contract, you choose to buy the car on Credit under the agreements in this contact. Now Im no genius, however ; this contract is very deceptive and misleading. It is informing I the Buyer that I could either buy the vehicle for Cash or Credit. ( Meaning one or the other not both cash and on credit ) Moving on it states, by signing the contract, the Buyer choose to buy the vehicle on Credit. ( Meaning that now cash is no longer an option if the contract is signed because the Buyer would then be purchasing the vehicle on credit. Doesnt that mean that after it is said and done the transaction will be a Credit Sale ?

Pursuant to 12 U.S.C. 1431indicates clearly that banks can not lend money ; bank are borrowers and in the business of purchasing securities. My application ( Instrument ) was sold to GM Financial as an asset, the finance company credited ( XXXX XXXX XXXX XXXX  ) in the amount of {$37000.00} on my behalf for the asset completed by me the buyer. 

Please See Attached P.S. This contract does not contain any signatures.
Product: Credit reporting or other personal consumer reports

Improperly investigation of inaccurate information reporting.
Product: Checking or savings account

Why did you close unresolved # XXXX? WELLS FARGO continues to do nothing but pass to departments who refuse do do anything including providing information or resolving their created problem XXXX XXXX
Product: Credit card

We disputed several charges made between XX/XX/XXXX and XX/XX/XXXX by someone who stole our AAdvantage Citicard number and account information. The charges are clearly the result of a scam nearly 100 purchases, each for about {$90.00}, made in Texas at a few stores ( Note : we have never been to Texas ). We also asked Citibank to investigate unauthorized access to our account, as a phone number and email address that do not belong to us were added. We first noticed this added information in early XXXX and have a screenshot of the email, along with a Texas address in the same area where the fraudulent purchases were made. 

The bank took the time to review our claims but ultimately ruled against us. We had to call and speak with multiple representatives to request a re-evaluation of the claims, only to find that they were rejected once again.