23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a balance of {$15000.00} with Barclays Bank Delaware. This debt was transferred over to XXXX XXXX XXXX in XX/XX/XXXX. I made an agreement with them to settle the total balance for less. The settlement amount was for {$4600.00} in 3 installments of {$1500.00} as follows : due dates : XX/XX/XXXX {$1500.00}, XX/XX/XXXX {$1500.00}, XX/XX/XXXX $ XXXX these were to be AUTOMATICALLY deducted from the bank info I provided them. 
See attached agreement letter and first payment deducted from my bank. 
They deducted the first installment. Mid agreement they sent this debt back to Barclays Bank Delaware. For some unknown reason they refused to deduct the other 2 payments. I contacted Capital and they stated the account was no longer with them and I have to contact Barclays, when I contacted Barclays they gave me the runaround and told me the account was with XXXX XXXX. I had no other choice but to mail Barclays the 2 payments, with a letter of explanation ( see attached ) that they did not deduct, in the hopes that they will accept it. They ended up taking those 2 payments which should've then satisfied the balance as per agreement with XXXX XXXX, yet they still claimed I had an open balance minus the difference of the 3 payments made.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally request the removal and correction of inaccurate information on my credit report. Specifically, I am disputing the following : 1. Accounts to Be Removed : XXXX XXXX XXXX XXXX Account to Be Corrected : XXXX XXXX : Update and correct late payments to reflect Paid as Agreed. 
3. Unauthorized Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I have no knowledge of these inquiries or their origin. Additionally, I have attached evidence confirming that I was a victim of the XXXX data breach, which may have contributed to these inaccuracies Im disputing the reporting of XXXXXXXX XXXX  on my credit report. As I am currently in active litigation with XXXX XXXX per U.S. Code regulations, this account should not be reported until the matter is fully resolved. Furthermore, it should not be listed as a charge-off on my credit report. request that this account be promptly removed from my credit file to ensure compliance with applicable laws and to prevent further harm to my credit standing. Please investigate this matter and provide a written response confirming the corrective action taken. 
Under federal law, I have the right to have inaccurate, erroneous, or outdated information removed from my credit report. Upon reviewing my report, I have confirmed that the charge-offs do not accurately reflect my financial history. I believe these entries are the result of either a mistake or an oversight, and I respectfully request their immediate removal, as well as the proper update of my payment history to reflect accurate reporting. Experian, XXXX, & XXXX have all failed to properly investigate these disputed accounts and has continued to improperly reinsert them into my credit report. This violates my rights under : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) Failure to conduct a proper investigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Violation of reinsertion protocol.

Additionally, these violations have caused me actual damages, for which I am entitled to : Statutory damages per 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) Punitive damages per 15 U.S.C. 1681n ( a ) ( 2 ) Actual damages for harm caused per 15 U.S.C. 1681n ( a ) Given these violations, I am requesting compensation in the amount of {$10000.00} for the damages incurred. Furthermore, I am demanding that this matter be resolved within 30 days, as is my legal right under 15 U.S.C. 1681i ( a ) ( 1 ). As Well As immediate deletion of all inaccuracies mentioned in this here letter. 
Please provide a written response confirming the actions taken regarding my dispute. If this matter is not resolved appropriately and in a timely manner, I am prepared to escalate my complaint to the appropriate legal and regulatory authorities. 
I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Westlake Financial Services XXXX XXXX my car once and charge me over {$2000.00} to get back. I was still working so it was ok to get back but once I got sick and was trying to apply for XXXX I tried to get help from Westlake but no success, I called and spoke with Westlake and I told them I can no longer afford the car I wanted to surrender the vehicle and the person I spoke with advise me its better to surrender than have a Repo which would affect my credit. I purchase the car in XXXX owed around {$25000.00} and in XXXX I still owed {$25000.00}. The lady told me the vehicle would go up for auction and they would let me know if there was a deficiency balance. I have never heard from Westlake or received any letters since XXXX I applied for a Job with XXXX XXXX, XXXX and I was denied a job because XXXX has I still owe them {$25000.00} on my credit report. I have been in the XXXX industry for over XXXX years and now because of Westlake showing I still owe them {$25000.00} I can't get a job in that field anymore. XXXX want hired me because of that outstanding balance. I was not told that the amount would be on my credit with a voluntary Surrender only for XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my Chase Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that my name is XXXX XXXX XXXX Im a natural person and consumer summiting this complaint as a victim of identity theft. According to the Gramm Leach Bailey Act lenders can not share my personal information with a third party and if they do they must give me XXXX XXXX XXXX an opt out form that allows me the option to opt out, of the contract. Which I was not given full discloser to protect the privacy and security of my non public personal information. XXXX, XXXX, and Transunion are in direct violation of the Fair Credit Reporting Act, The Gramm Leach Bliley Act and pursuit to 15 U.S. Code 1681c-2 Block of information resulting from identity theft. I am making a very clear demand to remove all fraudulent account listed below on my consumer credit report, within the next 4 business days as stated by law. 

XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX 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 XXXXXXXX # XXXX XXXX XXXX # XXXX
Product: Debt collection

Not only is the debt not mine, it 's not my husband 's either. 

My husband ( only party signing contract and his credit card only card tied to account ) had a 1 year XXXX for me and his son that expired in XX/XX/XXXX. The XXXX moved several miles from our home so my husband blocked the card from being charged in I believe XX/XX/XXXX. I get a collection letter dated XX/XX/XXXX from First Credit Services , Inc. XXXX NJ, XXXX. My husband emails the club ( attached ) XX/XX/XXXX. No response. I called the collection service XX/XX/XXXX to dispute and told them was not a party to any contract, it had expired in XX/XX/XXXX anyway, and I stated I was disputing it. Now today XX/XX/XXXX it shows up on my XXXX ( other possibly ) They do n't care, they wo n't do anything at all. Have been on phone with them 4 times ( 4th time today ) and asked where was the contract I asked you to get. Answer, we 'll see what we can do. XXXX. They 're a scam holding my credit report hostage now.
Product: Mortgage

THIS OFFICE REPRESENTED XXXX XXXX AGAINST ME AND MY HOME
Product: Vehicle loan or lease

On XX/XX/XXXX Carvana and I entered into a legally binding contract for the consideration of a XXXX XXXX XXXX which I signed a promissory note for and registered with a UCC1 financing statement. Carvana is illegally requesting down payments from their customers, breaching their contracts and violating several Federal regulations and statues including the TILA and FCRA. I was sent a letter of denial for my credit that is rightfully mine with NO reasons for the denial. Carvana willingly and knowingly violated my rights and needs to remedy the situation by delivering my vehicle before I file suit against Carvana.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX  I'm assuming sold a debt to portfolio recovery so now portfolio recovery served me papers for a debt that hasn't been validated whatsoever
Product: Debt collection

I've received a letter from Account Control Technology INC. who claims that XXXX has authorized my employer to resume garnishment of my wages for my Federal Student Loans. 
President Biden has extended the pause on Student Loan payments and collections activities until XXXX, XXXX. I've previously had no dealings with this company and I want to understand how they're able to commense collection on a debt that I've been paying through payroll garnishment by the dept of Education until the original pause in XXXX of XXXX. 
The copy of the letter I received was sent to my employer and is dated XX/XX/XXXX Please advise what recourse I have in this matter.
Product: Debt collection

I was XXXX for 9 yrs of my life. My identity was stolen. I keep getting calls from collectors trying to get me to agree to accounts that do n't belong to me and harassing me. Im not going to agree to anything if they dont belong to me. I will go to court if you need me to. But this has make my life a nightmare. Now I have costudy of my daughther and because of my credit I cant get a desent house.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all three CRAs and they refused to dispute or investigate the inquiries. Attached is a FTC report, indicating all of the unauthorized inquiries ( including the personal statement section ) that should be removed from my profile. 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter and file a CFPB to dispute the negative accounts and Hard inquiry. Shortly after Filing, I was denied a car loan and apartment because of your failure to report with my written consent. I was able to sleep on my friends couch, but suffered a financial injury in the process. 
As a direct result of the Failure of reporting without my writing consent, I paid the necessary credit repair work. I enclose a copy of their invoice. 
In addition, as a direct result of the Failure, I was without an apartment and had to sleep on my friend couch till to this day and XXXX to stay shelter. I enclose a copy of an invoice for the XXXX cost of {$500.00}. 
In a recent phone conversation, you claimed that the Failure of reporting without my consent wasn't the result of your negligence and would have happened anyway. You also claimed that, even still I have not written an consent the items on my reports are verified, I should contact the creditors and lied about my debt being sold. 
As to the first issue, XXXX XXXX XXXX Of XXXX XXXX is prepared to testify in court that the negative items and hard inquiries reporting on my credit report without my writing consent. 
Second, I had no obligation to file another dispute to further resolve. I had the damage you caused and am prepared to prove this In court. 
As settlement of all claims related to this matter, please send me a check or money order for {$5000.00} on or before XX/XX/XXXX. This amount apartments denial, and fair compensation for my inconvenience and the discomfort brought on by my injuries. If I don't receive payment by that date, I intend to discuss this matter with a personal injury lawyer, and explore all my options for getting fair compensation. 
You may reach me during the day at XXXX in the evenings until XXXX  XXXX 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into the XXXX 's XXXX store in XX/XX/2019 and applied for an installment loan related to a product I had purchased. I had the supervisor and what appeared to be a new employee both fill out and application for me and I was given no information about the loan before I left just that it was accepted and the product would be delivered by the end of the week. A month goes past and I begin to receive phone calls/texts that my account was in default although I had never received any information via phone or via mail about my account number/first payment. I was able to contact a customer representative who opened a new account for me and provided me with all my information as she stated the initial account contract was written incorrectly. Since then I have paid off the correct second account, but the initial account that was written incorrectly and should have been closed per the customer representative was never closed and I continued to be harassed for payments. Every phone call I have had with them was one where I had to reexplain the situation and they would proceed to review the report and see that a no call status was on my profile, but I continued to receive call requesting payment. Since then I have also been charged extra for the account that I did pay off and was closed. My credit report/score has had incorrect information on it and been lowered due to this information. I am able to provide additional dates as well as chat logs/phone logs of when I contacted/was contacted by the company.
Product: Debt collection

The original debt is it mine its from XXXX from my ex while I was XXXX in XXXX and now Jefferson capital collection is trying to ruin my credit. 
Account info Account number XXXX Date opened XXXX XXXX, 2022 Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 2022
Product: Credit card or prepaid card

Hello, I recently received an unsolicited Netspend Prepaid Mastercard issued by XXXX. This was sent to a former address of mine and I was alerted about it. The paperwork states they received my name and address from a 3rd party data provider. I called in to the number they provided to opt out of future mail offers. I provided just my name to the rep and she said she has removed me. I asked her to verify the card number, address and account number associated with my name which she refused to provide. She asked me to disclose that info to her and she would confirm that way - I declined.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year ago I worked for many hours to help heal myself from identity theft but Equifax refuses to help but instead abuses me. This collection is the result of identity fraud. I have filed multiple police reports, complaints, contacted Equifax dozens of times and even filed a XXXX   report against this fraudulent collection company but Equifax refuses to take the fraudulent collection file off my report but they allow it to update instead of falling off. This is abuse. I demand that this collection report be removed from my file immediately. Honestly I wish I could ask for an apology from Equifax but I know that is impossible. 

Date Reported :XX/XX/XXXX Collection Agency XXXX XXXX   Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance DateXX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX XXXX. Account number : XXXX XXXX. XXXX XXXX XXXX. Account number XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

XXXX  I  have sent the same below to  XXXX   ,   XXXX  via their RESPA address provided online ( attached ). *** I am in receipt of the attached letter stating that my recent payment was returned to you unpaid and a {$25.00} fee was assessed. I would like to know what recent payment you are specifically referring to as the attached pay history reflects my {$1000.00} payment applied on  XXXX / XXXX /   2017  and deducted from my bank account on  XXXX / XXXX /  2017  .  XXXX  erroneously applied a payment on  XXXX / XXXX /   2017  in the amount of {$1000.00} and then reversed the payment. I need this explained as I did not authorize a payment in the amount of {$1000.00} and should not be penalized with the fees of this action.   I called  XXXX , my banking institution, and they have no record of  XXXX  attempting to pull the {$1000.00} out on  XXXX / XXXX /   2017  so why is this being described as a Bank Return? I have spoken to the following representatives at  XXXX  :  XXXX  ID #  XXXX ,  XXXX  ID #  XXXX  and  XXXX  ID #  XXXX  and received a DIFFERENT story each time of whats going on- which paints a pretty clear picture.   On the bottom of the letter, there is a fee total of {$50.00}. Please explain this amount.   Please explain why my  XXXX / XXXX /   2017  statement reflects a {$0.00} fee balance and my  XXXX / XXXX /   2017 statement now reflects a {$70.00} fee balance. The Real Estate Settlement Procedures Act ( RESPA )  1026.41  ( d ) (  1 )  states all fees are to be noted on my statement. The {$70.00} fee on my  XXXX / XXXX /   2017  statement does not add up to the fees provided on the pay history sent to me by  XXXX  ID #  XXXX   (  attached ). Why are the statutory exp. corporate advances assessed on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017  (  XXXX  FEES ASSESSED SAME DAY ),  XXXX / XXXX / 2017 , and  XXXX / XXXX /   2017  not reflected on my billing statement? Please provide a complete breakdown of EACH of those fees.     Sincerely,  XXXX   XXXX
Product: Checking or savings account

On XX/XX/XXXX I made a large purchase of XXXX $ to buy a business XXXX and never received the business under my name, no good and services, no the keys to the business or lease. I contacted the merchant and they told me they would pay me back and that was on XXXX. I have not been able to reach them after. I disputed the amount of XXXX $ ( XXXX XXXX XXXX, XXXX $ with my Chase bank and XXXX $ with my XXXX and nobody contacted me and on XX/XX/XXXX my claim has been denied. Im sending proof that the business bought is not under my name and no final contract has been signed as stated on the Purchase agreement.