23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The original debt was from a phone compeny and the phone was faulty they even sent me another unit due to this issue but yet again I was getting billed even when I was in WiFi mode using data rather than roaming but the system reported me a roaming using data, so I complained and complained but yet they would not remove the fees so I do believe its my fault for there software or hardware issues.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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

My credit report is reporting unknown and unauthorized accounts on my file inwhich I have no knowledge of. Im assuming this is credited to my identity being compromised inwhich made me a victim of identity theft so the following accounts are fraudulent and I'm demanding that this accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$860.00} 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX XXXX {$470.00} 4 ) XXXX XXXX XXXX
Product: Debt collection

I am being billed for a debt that is not mine. PAM is attempting to collect a {$6.00} bridge toll from me for a vehicle using false licence plates. The vehicle in question did not have XXXX  licence plates. I previously disputed the validity of the debt, and PAM failed to respond with evidence showing that the vehicle was mine or that the licence plate belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXXXXXX 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

On XX/XX/2020 I sent LVNV Funding LLC a letter requesting validation of debt LVNV Funding LLC claims i owe to them. On XX/XX/2020 i received an itemized list of alleged charges they claim I owe to them. As of XX/XX/2020 LVNV Funding LLC is still reporting these collections on my credit report, which is considered to be a collection activity. LVNV Funding LLC is now in violation of FDCPA and are subject to fines.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the Consumer. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person making the report which in this case is XXXX XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( XXXX ) ( A ) states that A person ( XXXX XXXXA ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Transunion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharged debt ( charged off ). Per IRS Publication 4681 ( 2024 ) under 1. Canceled Debts, a charge off is considered a certificate of indebtedness which is considered income. The IRS Clearly defines a charge off as Gross or Ordinary income. Income can not be reported on a consumer report. The reporting of this account as a debt is inaccurate & a violation of the Privacy Act of 1974. I never received a 1099-C from XXXX XXXX for the cancellation of debt in order to file as ordinary income. Per 15 U.S. Code 1681a -Definitions ; rules of construction ; The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( 2 ) Exclusions- ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account ( XXXX ) has been reporting to my consumer report since XXXX of 2022. Per 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Reported : XXXX. XXXX, 2020 {$680.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX. XXXX, 2020 {$58.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, 2020 {$400.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Debt collection

Hunter Warfield, hired by XXXX XXXX XXXX has been harassing me via phone and has sent me a letter in regards to a pending litigation. I received a letter threatening me in regards to collecting a debt that has a pending litigation. The letter is dated XX/XX/2019. The hiring is XX/XX/2019. There is no debt and this is illegal.
Product: Mortgage

On XX/XX/2020 a payment of {$500.00} was made on our HELOC. This payment was accredited on that date and immediately withdrawn. Bank of America has keep the {$500.00} and has not credited the account. Bank of America has stolen {$500.00} from me.
Product: Debt collection

On XXXX I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC requesting {$1900.00} from an ER visit from XXXX. In 2020, I was making monthly payments to another credit agency for this exact debt ( XXXX XXXX XXXX XXXX XXXX ). I reached out to XXXX XXXX via written letter requesting proof of debt and a halt on credit reporting until I am able to verify the debt on XXXX. I also contacted XXXX XXXX for proof of payments made. I never received this requested proof of debt from XXXX XXXX XXXX and today, XXXX, it was reported to XXXX as in collections and my credit score dropped XXXX points. I know that this is a violation of the Fair Credit Reporting Act, and feel that this was done spitefully because I requested to verify the information/debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am disputing the late payments reported on my account with Mohela, as they are inaccurate. I have never been late on this account and request detailed documentation verifying these claims. If you are unable to provide clear, verifiable proof that these late payments occurred, I request them to be removed from my credit report.

The Fair Credit Reporting Act ( FCRA ) mandates that inaccurate or unverifiable information be corrected within 30 days. Given my responsible payment history, I ask you to take action to resolve this issue and ensure my credit report reflects accurate information.

Account Information : Creditor : Mohela Disputed late payments : XXXX reported I appreciate your help and look forward to your response. 

Kind regards, XXXX XXXX
Product: Credit card

My complaint is against the Chase bank who handles my XXXX credit card account. 
I called Chase to request for XXXX XXXX XXXX reference numbers of XXXX chargeback reversals totaling {$490.00} to a merchant 's bank and they are unable to provide them to me. They said there are no XXXX numbers provided. My merchant 's bank informed me that the XXXX numbers and dates are the standard protocols for XXXX transactions. Without these numbers and dates, the bank will not release the funds either to me or my merchant. I also wrote a letter to the Chase dispute department and my issue was not addressed, but stated that my funds were returned to the merchant 's bank. I called the Chase customer service specialist, XXXX XXXX XXXX, who was not available, but had his message answering recording, which I left several messages for him to call me, but he never did call me. Any assistance you can provide to resolve this case is most appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern ; I filed a Chapter XXXX in XX/XX/XXXX. I had purchased a 2010 XXXX XXXX, through Toyota Financial Services. I kept the XXXX, and the bankruptcy court paid the truck off in full. I have all the documents from my attorney supporting this. When they paid the last payment, the title was sent to my attorney, and when the bankruptcy was discharged, I received my title. The problem is Toyota Financial Service filed this with XXXX, and will not get it corrected. We sent them a certified letter on XX/XX/XXXX, explaining we felt that this was a violation with the FCRA.  They responded on XX/XX/XXXX, with their records are correct, and they are reporting to the agency in a manner that is consistent with their records. I'm going to attach all the documents to this letter, so you will see what we are up against. There has even numerous disputes filed, due to we hired XXXX XXXX to help us with this. We are now trying to also handle this, by doing what we can to get this corrected, along with XXXX XXXX. Everything has been cleared from our credit report, except something that was paid in full, our truck through Toyota Financial Services. 

Kind regards,
Product: Mortgage

XXXX XXXX XXXX WE ARE IMMENSLY OUTRAGED AT THE SHEAR INCOMPTENCE OF PHH MORTGAGE AGAIN!!!!!!! THIS IS WHY WE DONT BELIEVE WE ARE IN ARREARS IN OUR PAYMENT. THEY DO NOT AND CAN NOT GET PAYMENTS CORRECTLY/PROPERLY PROSCESSED. 


FIRST : WITH OUR XX/XX/2023 MORTGAGE ( SEE ATTACHED DOCUMENTS WITH HIGHLIGHTS ) THE STATEMENT INCLUDES A LINE FOR OUTSTANDING UNPAID LATE CHARGES ETC. OF {$7.00} ; THERE IS ALSO A LINE FOR ASSESSED EXPENSES OF {$940.00} AS WELL AS THE REGULAR MONTHLY PAYMENT {$4200.00}. I ENCLOSED A XXXX CHASIER CHECK IN THE AMOUNT OF {$5200.00} TO COVER ALL OF THOSE FEES WHICH NEVER SHOULD HAVE BEEN ASSESSED IN THE FIRST PLACE. I ALSO ENCLOSED A NOTE INDICATING THE BREAKDOWN OF THE CHASIERS CHECK. 
DO YOU THINK ANY PERSON WHO PROCESSES THE CHECKS CAN READ! OF COURSE, NOT THEY DEDUCTED THE MONTHLY PAYMENT AND THEN PUT THE REST IN THE SUSPENSE ACCOUNT AND NOW ON THE XXXX STATEMENT THOSE FEES I PAID LAST MONTH SHOW UP AGAIN!!!! 


SECOND : I HAD A CPA REVIEW ALL THE STATEMENTS PHH MORTGAGE SENT ME AS WELL AS ALL OF MY DOUCMENTS AND HE COULD NOT LOCATE ANY MISSING PAYMENTS. I AM GOING TO CONTACT A FORENSIC ACCOUNTANT TO ESTABLISH WHETHER WE OWE ANY MISSING PAYMNETS. 


THIRD : WE ARE IN RECEIPT OF THE FORBEARANCE PLAN FROM THE COMPANY. ITS VERY APPARENT WHOEVER PUT THIS PLAN TOGETHER DID NOT TAKE INTO ACCOUNT THE {$2600.00} CURRENTLY BEING HELD IN THE SUSPENSE ACCOUNT. 
I WILL TELL YOU WHAT WE ARE GOING TO DO WE ARE GOING TO CREATE OUR OWN FORBEARANCE PLAN AND WILL INCLUDE FUNDS THAT GO DIRECTLY INTO THE SUSPENSE ACCOUNT AND AS IT REACHES THE MONTHLY PAYMENT AMOUNT IT WILL BE CREDITED TO OUR ACCOUNT AND WILL COVER THE PAST PAYMENTS OWED. 
DO YOU THINK YOU COULD HAVE GONE OUT OF YOUR WAY AND TAKEN THE FORBEARANCE PLAN OUT TO 9 MONTHS! YOU OBVISIOULY DID NOT ACCOUNT FOR MY LOSS OF INCOME OR INCREASED EXPENSES DUE TO INFLATION!
Product: Debt collection

To Whom It May Concern, I am writing to demand the immediate removal of inaccurate information from my credit report related to the XXXX credit card account. Regarding late fees around XXXX and XXXX. For XXXX XXXX needs a better system to make payments. Their system is always down and they DO NOT answer the phone. Despite requesting account closure and settling the balance ahead of time, I recently discovered that late fees and interest have been wrongfully added to my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and expect it to be corrected promptly. I have previously disputed this with TransUnion. As well as XXXX and even the company XXXX themselves informing everyone of this error but no one was helpful.This oversight is unacceptable, and I require immediate action. 

Failure to address this matter will result in further action on my part. I expect confirmation of the removal of these charges from my credit report immediately. When you check my credit history you will clearly see I have always been a punctual person when it comes to making payments and the fact that Ive been disputing this matter for months now with no response is highly disrespectful. 

Sincerely, The Frustrated Consumer
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN XXXX BUSINESS DAYS after the date of receipt by such agency of. 

Please remove all of the listed accounts immediately : XXXX # XXXX XXXX XXXX-ACCOUNT # XXXX XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX-ACCOUNT # XXXX XXXXXXXX XXXX-ACCOUNT # XXXX XXXXACCOUNT # XXXX XXXXXXXX XXXX-ACCOUNT # XXXX XXXX XXXX-ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Product: Checking or savings account

So I recently filed fraudulent chargers on my account and they issued a temporary credit. The next day my account was locked and my funds were frozen and I called online support and they told me I had to go into a branch. So I went into the branch expecting them to close the account and issue my funds to me about XXXX, but they werent able to release any of my funds. I called again and they said there is no information available. I dont know where my money is and XXXX cant access it and no one seems to want to help me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Recording Act XXXXXXXX XXXX Acct : XXXX has Violated my rights XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXXXXXX XXXX Never informed me of my right to exercise my nondisclosure option. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in my XXXX credit report website where I saw an unfamiliar activity of a credit collections agency and I also received a statement in the mail from Sunrise Credit Services Inc XXXX. I called them to tell them this is not my bill ( I got hacked identity theft/fraud ) and they in turn gave me a fraud department phone number to the creditor XXXX  XXXX with reference number XXXX XXXX  Account # XXXX balance due as of XX/XX/2021 amounting to {$1800.00}. I was told by them to send two statements as proof of identity. I sent them attachments of my XXXX XXXX XXXX  and checking account statements to XXXX between the dates of XX/XX/2021 closing XX/XX/2021 as proof of my identity per their request. I received a phone call from them stating they never received such attachments that it was gone. 
I would like this resolved and removed from my credit report bureau 's XXXX, XXXX XXXX XXXX. I worked hard to establish a very good credit rating.