23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX states I have the right to privacy ( XXXX XXXX XXXX ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish on account without my written instructions under XXXX USCS XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Requesting to have 3 months late payments removed.
Product: Debt collection

I sent a notification letter for them to quit contacting me through mail, email, phone, text, and it was a certified letter that they did get. Since then I have received XXXX letters about the collection. They have already filed a summons with the court and I did my answers to both the court to XXXX XXXX XXXX. I will be sending another one to them.
Product: Checking or savings account

" Self Inc. has not provided any proof that they loaned funds as claimed. Additionally, have not responded to my requests for the relevant information. The balance owed to me is {$1000.00}, with interest of {$230.00}, plus security interest. '' Self closed the accounts and kept my funds. Self has not provided any documentation because they cant prove that any funds was funded by them
Product: Debt collection

I received notice  from Lloyd & McDaniel   XXXX   XXXX   XXXX   XXXX  ( dated    XXXX   XXXX   XXXX   ), stating  that   XXXX   XXXX   XXXX   had referred my account to them for collection. The letter stated the amount owed and where payments could be made.   I sent out a letter on    XXXX   XXXX   XXXX   (  Certified Return Receipt ) to the   XXXX   XXXX   stating that I was willing to make payments on this account. The letter was received at the  XXXX .  XXXX  address provided on    XXXX   XXXX   XXXX      at   XXXX   XXXX  . No contact was ever made to me in reference to the letter that I sent, trying to resolve the debt. I also submitted a settlement offer on the firms website  on   XXXX   XXXX   XXXX    and no response was ever provided.  <P/> On Saturday,    XXXX   XXXX   XXXX   I receive a n otice in the mail from  XXXX   XXXX   XXXX ,  XXXX  stating that it had come to their attention that a civil suit has been filed against me in  XXXX   XXXX   XXXX . I have not received notice in reference to any of the matters and I have certainly been trying to resolve the situation without having to have a judgment filed against me.  <P/> This law firm does not seem to want to assist those who are willing to take care of their debts, they are automatically trying to sue and garnish wages.
Product: Checking or savings account

I have not yet received my direct deposit. Upon contacting the HR department of my company, they assured me that they will submit a claim on their end. I then informed my XXXX XXXXXXXX about the issue, who mentioned that the deposit had been sent to my account. After reaching out to XXXX XXXXXXXX, the service responsible for handling employee payroll, I was informed that the deposit was sent to my Cash App account ending in XXXX. I contacted Cash App and they escalated the matter to their specialized team for further assistance. They requested verification of my identity, which I promptly provided to the customer service agent, XXXX. I was informed that it would take XXXX business days for them to verify my account and release the funds.I can't believe it! I have urgent bills to pay and mouths to feed! Despite my pleas, they stated that there was nothing they could do at the moment to expedite the process. I requested to speak with a supervisor through two different customer representatives, but have not received any email from the supervisor as promised, even after XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Equifax a certified letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded by mail stating XXXX had verified this information for them but failed to add a verification date to their report as required by the FCRA. I then went directly to XXXX to dispute this item. They could not verify this item so they deleted it from their data base and my credit file. I then sent XXXX ( please see attachments ) another certified letter on XX/XX/XXXX which they received around XX/XX/XXXX XXXX showing them proof that XXXX XXXX their identified source, ( see attached documents ) had removed the unverified bankruptcy from my report and informing them that if they could not truthfully and thoroughly verify the alleged bankruptcy, then by law it must be removed from my credit report according to the FCRA XXXX On XX/XX/XXXX I received a letter from Equifax ( please see attachment ) still insisting XXXX was the source of their verification even though I had shown them proof XXXX invalidated their information. Furthermore, once again their alleged reinvestigation DOES NOT show a verification date because they DID NOT do a thorough reinvestigation - another clear violation of the FCRA. 
This unverified item needs to be removed from my credit report immediately as it is illegally reporting and causing me financial hardship and impeding my ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I got a notification from Experian that my bankruptcy dispute was complete. I contacted them via phone to verify their method of validation as it is not being reported except on the Experian, XXXX and XXXX. Which as of yet Experian are the only ones that has responded. 

I contacted Experian via phone, spoke to a representative by the name of XXXX, that was very rude while speaking to me. I asked him about the verification process and he told me that it was validated and he doesn't have to share any information regarding the validation process. I told him that the courts nor XXXX reports to the bureaus and I have my XXXX report with NO Bankruptcy listed. Only to be told after explaining my case and asking for a supervisor that no one was going to change it. I was placed on hold for over an hour then hung upon and have been blocked from speaking to an actual person since.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Items to Dispute Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I requested a copy of my title to register my car in XXXX. In XXXX XXXX I followed up and nothing was done yet. Fast forward to XX/XX/XXXX and nothing has happened. We have now retained an attorney since I can no longer drive an unregistered car and we are prepared to sue if Hyundai doesn't get their XXXX together. All we need is a COPY OF THE TITLE!!!! And Hyundai refuses to give it out. By far the worst customer service ever received and we are prepared to go to the end of the Earth to register my car.
Product: Credit reporting or other personal consumer reports

i recently went to open a business account with my current bank, only to find that i was denied due to a negative disclosure in ChexSystems. ChexSystems is in violation of the FCRA for allowing an inaccurate account to be disclosed on my report and failing to conduct a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It indicates that my credit report has been corrupted. I was looking over my records once more when I discovered many items that did not belong to me. Since I'm a stickler for details, I discovered that under section 605b of the FCRA, you are required by law to remove and prohibit any things that are discovered to have been opened as a result of identity theft. I do not own the objects in the dispute. I have sent the FTC Report that you need ( found through additional research that both parties requested ). Please block or delete these files. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX.
Product: Mortgage

On or about XX/XX/XXXX, I called XXXX XXXX alerting them to my address change so I knew this insurance company had updated information. Apparently, the bill that XXXX sent mis-filed to a mortgage account I had closed and CMG Mortgage did not pay the renewal bill. On XX/XX/XXXX, CMG Mortgage issued a check in the amount of {$2700.00} to a re-insurance company, XXXX XXXX. When I noticed the error, I spent over five hours on the phone and was promised the situation would be taken care of and my escrow account would be credited for the {$2700.00} and a check in the correct amount of {$1500.00} would be sent to the correct home insurance company. I then received my monthly statement for XXXX and in that statement was a notice that my escrow was being increased {$240.00} a month due to this bank error! On XX/XX/2024, I spent another 2 hours on the phone to be told that XXXX XXXX, which was incorrectly sent the payment, has the money in a suspension account and they can not tell me when a refund will be issued. In the meantime, I was told by CMG Mortgage that I must pay the increased mortgage/escrow payment or the account will be considered delinquent. 
No human on this planet has enough patience to deal with this kind of negligence. I requested to speak to an Ombudsman or a CMG representative in their legal department and was told they don't have one. I need help or an advocate to help me with this as I can not afford this increase, nor do I owe this money to CMG mortgage. Please help me. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXO XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX, A, C XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX MS XXXX XXXX XXXX KANSAS XXXX, MO XXXX XXXX  XXXX XXXX Balance XXXX {$830.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting

I have received your dispute resolution in regards to account number XXXX from a collection with the original creditor XXXX XXXX and now the collection company XXXX XXXX XXXX. I am glad you sent me your additional documents for my review. I have found that you have not answered all of the disputes from my previous letter to you and in fact did not provide the documentation required to satisfy the act under the United States XXXX Fair Debt Collection Practices Act ( FDCPA ) and are set out in XXXX of that act, which has been codified in Title XXXX, Section XXXX of the United States XXXX. 
# 1 I was not provided any notification from XXXX XXXX XXXX that the debt was transferred to them and when it was transferred to them. 
# 2 I was not provided a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 
# 3 I was not provided with a list of charges that added up to the amount being collected in accordance to what is being reported. 
# 4 I was not provided a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
# 5 I was not provided with any documents of when the account was sold to XXXX XXXX XXXX no dates, no letter to consumer, but yet you are reporting that you had purchased and open this account with the following dates .... 
XXXX : XXXX XXXX 2016 XXXX : XXXX 2016 TRANSUNION : XXXX XXXX 2016 Not only have I not seen any documentation verifying these dates but you are reporting information that is inaccurate obviously due to the dates being different from XXXX another. 
# 6 On the XXXX report you are reporting the original creditor to be " XXXX XXXX Services. I am not sure how this is possible when you are stating on Transunion and on XXXX that the original creditor is XXXX XXXX. Again you are in clear violation of the FCRA regulations. 
YOU HAVE 20 DAYS TO FROM THE DATE THIS LETTER IS RECEIVED TO PROVIDE PROPER DOCUMENTATION TO VALIDATE THE DISPUTES AND DISCREPENCIES LISTED ON THIS LETTER. IF I DO NOT RECEIVE PROOF OF WHEN THE ACCOUNT WAS SOLD TO YOU, A STATEMENT THAT YOU SENT OUT TO ME FOR THE # XXXX ITEM LISTED, A LIST OF CHARGES ADDING UP TO THE AMOUNT ATTEMPTING TO BE COLLECTED, A LETTER THAT WAS SENT TO ME IN REGARDS TO STATEMENT # XXXX AND ALL INFORMATION BEING REPORTED ACCURATELY TO ALL XXXX BUREAUS WITHIN THIS 20 DAY PERIOD I DEMAND THIS ACCOUNT BE REMOVED FROM TRANSUION, XXXX AND XXXX IMMEDIATELY. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove a collection account from my credit file, despite being provided with the response to CFPB complaint XXXX which clearly states the collection agency had CEASED ALL COLLECTION EFFORTS on or around XXXX XX/XX/2022. This is a clearly a willful violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Checking or savings account

Someone stole my card and made unauthorized transactions on XXXX and police report was made for XXXX the guy was arrested but need FOIL request to obtain police report
Product: Credit card

I purchased a product from XXXX in the amount of {$750.00} on XX/XX/2015. The product came highly suspiciously, all the logos had stickers covering the product. Some of the products did not work. I then contacted the company for them to send out replacements. They said they would but first I had to provide evidence the product was not functional. They only made available an email address to send a video. Email is limited to XXXX attachment and I complained to the merchant. They ignored me so I initiated a credit card dispute. Bank of America was completely not a neutral party. First, they claim that the company not honoring the warranty does not apply to " Not As Described '' and so they refused to initiate a dispute. I finally got them to accept the dispute, but they did n't apply it how I said to. Then, later, they demanded that I prove the product was defective by getting a third party opinion written on letterhead. When I claimed this was not possible and instead made and upload a youtube video with proof they said they were not going to accept video evidence. Finally, they said that I had to pay the $ XXXX to ship the product back to XXXX and that as long as I had the product they were not going to do any more on the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately two months ago I submitted a complaint that Experian of Delaware was continually accepting a credit utilization report from XXXX XXXX. I filed Chapter XXXX Bankruptcy XXXX XXXX 2015. My credit card with XXXX was closed by the BK. Still, Experian continues to report a % 83 utilization of the credit card. That may have been true before my BK, but as I stated previously, the card was closed. Experian investigated the problem, supposedly, and their response was that i was incorrect and the credit card company was correct. How could i have any type of utilization when the card has been closed? After Experian 's response, I tried to contact the company and they have no record of my account. I 'm not proud of my BK, but i am trying to rebuild my credit. However, with Experian still accepting this claim, I have been refused a home loan under the FHA Chapter XXXX policy as well as my credit score falling. From what i have read this is illegal and I can pursue legal proceedings. I feel certain that their investigation was superficial. This has happened with a another credit report agency ( XXXX ) and once i sent proof, instead of correcting the false information, they removed it from my credit report which lowered my credit rating Basically, the consumer is punished if we question these agencies. They all should be investigated as they favor the Banks and not the Consumers- unless, of course, your the President of the United States .
Product: Credit reporting 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 XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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: Vehicle loan or lease

Great evening, In response to complaint # XXXX, Carmaxs manager XXXX is 100 % correct, I am attempting to lawfully set off this account, I have sent a remittance coupon last week certified mail accepting and returning for value, the amount in FULL. Ive also taken the liberty to file 1099a with IRS, which Ive also sent via certified mail along with acceptance for value letter, which expressed to be forwarded to the SEC, Department of Treasury, IRS/CID and the FTC ( consumer response ) expressing the Laws that have been violated prior to me crediting this loan. I will be sending the presentment to the IRS as well as Department of Revenue, this week, to ensure all real parties of interest are satisfied.

Continuously, Ive expressed to stop phoning, as it gives me plenty emotional distress, while attempting to work together. Carmax took 3 months to reply to letters sent since XXXX certified mail, again violating FCRA laws. There are $ XXXX {$5000.00} penalties attached to these shortcomings. I would like to set a credit claim against Carmax In these lights, as we are remaining in good faith from CFPBs civil settlement fund.

Citing Public Law 73-10 HJR 192, also known as the Gold Clause Repeal Act, was passed in 1933. This law prohibited the payment of debts in gold or any other commodity. Ive learned this loan became securitized and is being publically traded amongst several shareholders. Would like to administer the proper process or procedure to discharge this debt.
Product: Debt collection

On  XXXX /2017  , I mailed a regular mail request to validate, it was not responded to by central financial /Syndicated office.  XXXX / XXXX / 2017 , I mailed a certified request to validate debt, give accounting of fees of the debt and other item s ( 2nd letter ). 3rd le tter, I mailed certified request to delete to the collection agency also, based on FDCPA and TX finance code and the letter on  XXXX /2017   not being responded to ( sent  XX/XX/  2017  ), this was the second certified letter. The request was not responded to as of today. Per the law they do not have to, however they do have to cease/stop all collection activities including, reporting to my file with all CRA 's. Note : I mailed a certified copy of the letter sent to the collection agency to the  XXXX  CRA 'S certified, so they could see what I mailed on the day that I mailed. Today is  XXXX /2017  , they have not responded to either letter. The second certified letter gave  them 10 days to respond. They refuse to communicate with me, and as of today have ignored all of my legal communications. My attorney will be contacting them in 2 days also, however, they need to follow the LAW.