23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im being garnished by a debt collector. This debt is from XXXX which is over 7 years. I have not been to court since XXXX about the case. The debt is no longer on my credit report and I have no reason to pay these people. The collector have garnished me 3 times and took my bank account wages. When I call the number of the debt collector I can never speak with the man thats garnishing me he is always in court or not accepting calls. Please help me with this financial nightmare. I have been through financial hardship from this debt company they are harassing and bullying me. I need help getting my life back on track and free of this debt.
Product: Debt collection

I keep seeing this on my credit bureaus and dont know what or who it is.
Product: Mortgage

Mr.Cooper has been servicing my {>= $1,000,000} loan on my personal residence which my wife, my XXXX children and I have permanently resided for the past thirty ( 30 ) years. 
I had been paying $ XXXX/month, interest only and on XX/XX/XXXX it was changed by them to $ XXXX/month.I was obviously unable to pay a tripling of my mortgage payment and did not pay until in XXXX of XXXX when they gave me a modification but wanted me to pay $ XXXX/mo for XXXX, XXXX, and XXXX in a TRIAL PERIOD before they inform me what the terms of the Modification will be which starts on XX/XX/XXXX. I paid the XXXX.payment to see if I would get more information but have been given none regarding the new Modification Mortgage. 
When I finally got a hold of my Single Point Of Contact after one week of trying, she could not tell me who the Investor of my Note is but that he wouldn't discount the note.She said I would have to contact Mr.Cooper Research Dept. but did not have a phone number or email and that I would have to write to them. 
Before I spend another {$12000.00} for XXXX Trial Period, I would like more information on what my permanent loan will be before I " BLINDLY '' make that payment ... THANK YOU
Product: Credit reporting or other personal consumer reports

Transunion, Equifax, Experian all will not provide me with credit reports or scores. In addition, they will not remove incorrect information from my credit files.
Product: Vehicle loan or lease

I leased a VW XXXX from XXXX XXXX XXXX NJ back in XX/XX/year>. The dealer was supposed to take care of the paperwork so that I could receive my license plates. After 2 temp plates were given to me, the last one which expired on XX/XX/year>, I was told they couldnt issue me another. I was then told the dealership was sold and the old owner went to XXXX XXXX XXXX NJ. Because of this transaction their DMV people were unable to issue my plates due to the title being lost in the process. Since the weeks of me complaining I couldnt drive my vehicle on the road legally in NJ, I was issue a loaner car by XXXX XXXX  on XX/XX/year> to try to remedy the situation until they could get plates for me. No XXXX from XXXX XXXX has explained to me why its taking so long to provide my vehicle. In this time I have paid 3 car notes to the financing company, 3 car insurance payments for a vehicle Im not in possession of. Not only that Ive been paying for gas out of my own pocket when under my electric vehicle contract on my XXXX, I get free charges for the 3 years Im in my lease contract. So now Im coming out of pocket for gas for 3 months and I never was supposed to have the loaner car in the first place. I was even told by XXXX XXXX they werent responsible for covering the gas charges. They refuse to update me on the status and I keep getting the run around. I even called VW corporate to complain and still received no results. Im tired and frustrated and I know this is against the law. I need help!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX by the following names XXXX XXXX XXXX XXXX XXXX and account XXXX AR XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

On XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX you furnished my consumer report without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my { Insert CRA that inquiry is on here } consumer report on { Insert Date,XXXX  } without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/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 XXXXN Be advised the advisory opinion of BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file disputes with all 3 credit bureaus back in XXXX and yet have heard anything. I understand that with covid things are slow but still should not take 40plus days to get results
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the California Licensing Act Under Section 1788.52 of the California Civil code, a consumer is allowed to ask to dispute a debt at anytime a debt is being pursued in their name, not just at the very beginning of a debt purchase. Specifically, the law states " The names and addresses of all persons or entities that purchased the debt after charge off, including the debt buyer making the written statement. The names and addresses shall be in sufficient form to reasonably identify each such purchaser. '' And " A debt buyer shall provide the information or documents identified in subdivisions ( a ) and ( b ) to the debtor without charge within 15 calendar days of receipt of a debtors written request for information regarding the debt or proof of the debt. If the debt buyer can not provide the information or documents within 15 calendar days, the debt buyer shall cease all collection of the debt until the debt buyer provides the debtor the information or documents described in subdivisions ( a ) and ( b ). '' On XX/XX/2022 in the documents that were forwarded to me through the CA XXXX. XXXX XXXX XXXX XXXX failed to provide me with the names of all the creditors and entities that the debt they are collecting has passed through. 
according to my records, other companies had acquired the debt before XXXX XXXX XXXX. And that I requested this information originally back on XX/XX/XXXX of 2022 and have continuously asked them to provide the name of all past creditors since then. They have passed the 15 days allowed under California law to report the debt to the credit Bureaus and thus need to remove the collection till such information is provided. Also when I originally asked for all information required of XXXX XXXX XXXX XXXX back on XX/XX/2022 they did not respond to my debt dispute until XX/XX/2022 according to the records they sent me. That is 37 days passed since the delivery of my initial dispute letter. Which also greatly passed the 15 days they are given under California law. They were also reporting to the credit Bureaus after the 15 days had passed which is also a violation under the California Licensing act. XXXX XXXX XXXX did validate part of my debt and ca requirements by sending me a statement from the account but they continue to omit information required by California law. As such, I believe XXXX XXXX should immediately stop reporting to the credit Bureaus as they are supposed to according to the laws cited above. Until they send me a copy of all previous purchasers of the debt. It has now taken them XXXX calendar days and counting to do so which I believe is unfair.
Product: Debt collection

I was alerted to a drop in my credit score via my credit card company in. After accessing my credit reports from all three reporting companies, I discovered a fraudulent collection entry by Sequium Solutions ( XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ) on XX/XX/21, saying we owed money to an internet provider and claiming we lived at an address we never lived at. We contacted the collection agency, Sequium, who made NO attempt to resolve our issue. They seemed only set on collecting as much personal information from us as they could. We declined to provide any additional information. We have filed disputes with all three reporting agencies alerting them to the fraudulent collection claim as well as asking to remove previous address entries and phone numbers that were fraudulently added to our personal information.
Product: Credit reporting or other personal consumer reports

Company failed to investigate dispute properly when opening a dispute transunion closed the dispute same day and places a status of dispute results ready with no obceatigtoon done I have requested an investigation into late payments being reported on my account for the past year from XXXX XXXX XXXX I provided to transunion paid receipt provided from the creditor as proof the payments are not late and they fail to provide proof they are late or correct the account to reflect on time for all months.
Product: Credit reporting

On my report there is another XXXX XXXX living in XXXX Ohio, with a completely different social security number, spouse and employer. How do they input that information to my report when the only thing that matches is our name? The process Experian requires to correct their mistake is not consumer friendly in the least. 

I have submitted my complaint but would also like to submit this complaint to ensure quick resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to correct inaccurate information with Equifax to remove collections that have been requested by the collection company XXXX for two collections on my credit report. The collection agency XXXX has verified by letter to me and Equifax that the collections for XXXX and {$110.00} are inaccurate and they have requested that the collections be removed on XX/XX/2020 as of XX/XX/2020 the Equifax still has the inaccurate reporting of collections. Please see attached documentation.
Product: Credit reporting or other personal consumer reports

The company is reporting fraudulent inquires that I never authorized and have failed to remove them. I have requested that they provide proof. These Inquires fraudulent and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I purchased vitamins from XXXX XXXX XXXX for XXXX which I authorized on XXXX XXXX XXXX. 2 Weeks Later on XX/XX/XXXX they charged my debit card XXXX which I did not authorize. I have talked to my bank ( Chase ) and this Company because this was a mistake. I could not get help from either.
Product: Debt collection

1. USAA is attempting to enforce a lien on a debt that they accelerated and cancelled. They are actively foreclosing on my home on the cancelled debt. I submitted a complaint to the CFPB, and they asked for 60 days to investigate. My home would be foreclosed by the end of that 60 days, so they are dual tracking which is not in compliance with the DOJ. 

2. They transferred the servicing of this loan to XXXX, giving the impression that they are the primary lien holder and giving the impression that the debt is valid. I submitted another complaint on both XXXX and USAA for this action for trying to collect a cancelled debt. My court date for the foreclosure is still set for XX/XX/XXXX, while both servicers still contend to the CFPB that they need time to investigate my complaints. Once again, I am in jeopardy of losing my home before that time expires. 

3. XXXX has just attempted a practice that you just recently imposed a $ XXXX for. They have threatened to impose forced place insurance on my home, add that expense to the canceled debt which is not valid, and I have an active and current policy. 

I have uploaded XXXX letter, a copy of my policy, and a statement showing that my policy is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022, its been way over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification on my credit report to make sure everything was accurate. All three credit bureaus said that they did complete an investigation and stated that everything was accurate. I completed a thorough research myself and found improper inaccuracies on the credit report even after the credit bureaus did the thorough research. 

Account Name Account Number Company Name Accounts Receivable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and 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 an account without my written instructions.
Product: Mortgage

We have our home mortgage with CitiMortgage. Our loan # is XXXX. Last year we were approved for a loan modification and ever since then have made our mortgage payment on time. Every month beginning on the XXXX we get repeated automated phone messages from CitiMortgage and after a few minutes a representative comes on the line and begins to go through the whole disclosure speech about the call being recorded and being an attempt to collect a debt etc. XXXX we are able to intercede we tell the representative that our mortgage payment is just due and we have by agreement a fifteen day grace period to make the payment. We further state that if they check their records they will see that all of our payments have been credited before the grace period has elapsed. We ask politely to not call back unless we fail to have our payment to them by the fifteenth of the month. Usually they are rude and say that the reason for the call is that it is the first of the month and the payment is due. We get nowhere with them and ask thatthey refrain from calling again. However, this cycle is repeated over and over again sometimes 3 or 4 times a day. Each time a different representative who claims there is no record of any previous call in their system. Yea right! This practice of harassment has been going on each month for the last year. My wife has to field these calls all day long and is frustrated that we can not find a method to have them cease. I have threatened lidigation, contacted the do not call list and have had to become forceful in my response to them on the phone all in hopes we can stop this harassment. Nothing has worked. Every time I speak to a manager ( I assume they are what they say they are XXXX they apologize but the calls keep coming in. What can I do to stop this nuisance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  on XX/XX/XXXX to report that I have tried numerous times to dispute inquiries that were done without my authorization and to have them removed. The representative kept directing me to their site where the dispute can be processed which I have done so many times, XXXX has proof of the disputes online. Why must I keep filing online and it not get processed. Once again, as I mentioned in a prior dispute it seem like the bureau PROFITS from bad credit and does not want to remove something that did not belong on my credit because it WAS NOT authorized by me. XXXX XXXX, XXXX, XXXX XXXX   seem to continuously try my credit for approvals. Look at dates, they don't make sense. Because of these banks constantly applying fraudulently on my credit I processed a credit freeze to protect myself and inquiries KEEP hit my credit!! How is that possible. The following inquiries I reported to have removed - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial Services Acct # : XXXX Balance : {$6600.00} I have filed complaints with FTC, Credit Bureau and Creditor and this information is still reporting on my credit file. According to Section 605B of the Fair Credit Reporting Act, I needed to provide proof of my identity ( I did ), the specific information that is a result of identity theft ( I did ) and a copy of the complete and submitted Identity Theft Report ( I did ). 
XXXX, XXXX and XXXX have not corrected their reporting of this information.
Product: Credit reporting or other personal consumer reports

Wells fargo is reporting my name incorrectly by adding a XXXX XXXX to my name when they report it to the bureau. This is happening to the credit card that was closed sometime back but not happening with my open card with wells fargo. Inspite of working with wells fargo and getting their assurance that its fixed, I still find that they are reporting my name incorrectly. 
I had previously raised a CFPB compliant and I was told to wait 30-60 days for the change to happen. I have now waited for more than that ( reported in XXXX ). At this point, it Wells fargo needs to work with XXXX  to see whats not working instead of just replying that it has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME.
Product: Credit card or prepaid card

I enrolled myself in a work-out program with a reduced interest rate. Part of this program is the requirement for automatic Debit payments. Last year they " accidentally un-enrolled '' me from automatic payments. Then realizing their mistake they put me back on the automatic payments. Now this year they have un-enrolled me from automatic payments again and now say I have missed three payments that I never should have missed. I did not cancel the automatic payments, I should not have to pay a penalty because of something they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I was contacted by BMW to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. BMWFS in XX/XX/XXXX reported me as late for 30 days. I've contacted BMW and they said that I never replied to the email so I wasn't in the program. The letter states that : 1. We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days.

3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and BMW would've contacted me about my late status. None of this happened. I've contacted BMW and they said they would not help me and the reporting agencies only go back to BMW and use them as the source of truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, SELF agreed on removing the inaccurate information on the 3 credit report companies such XXXX XXXX and XXXX ( see letter attached ). XXXX and XXXX had removed this account from my credit report already, however, XXXX hasn't done anything to correct this inaccurate information. Please send another universal update to remove this account from my credit report immediately. 

ACCOUNT : XXXX XXXX XXXX {$0.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00}
Product: Debt collection

Issue Debt collection to : XXXX XXXX regard to : Credit Collection services Creditor : XXXX XXXX   Account Ending : XXXX ( Joint checking account ) Primary Holder or Co-Applicant Holder File Number : XXXX XXXX Date XX/XX/19 Amount : {$300.00} Remarks : This typical checking account always occurs a negative balances which nowhere of usage and declaration correctly from Institution.
Product: Credit card or prepaid card

ON XX/XX/2022, I TRIED TO MAKE MY ONLINE CC PAYMENT TO Ann Taylor CREDIT CARD WHICH IS SERVICED BY COMENITY BANK. BUT, I KEPT GETTING AN ERROR MESSAGE OF " We are currently undergoing a planned system update that has taken longer than expected. We are working to restore service as quickly as possible, and your account information will remain secure through this update. We apologize for any inconvenience caused by this disruption. '' SO I TRIED AGAIN ON XX/XX/2022, AND THE SYSTEM IS STILL DOWN. MY PAYMENT WILL BE LATE. I WANT TO MAKE SURE THIS DOES NOT AFFECT MY CREDIT SCORE, NOR SHOULD I BE CHARGED A LATE FEE.