23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was incarcerated so I couldn't pay bill. People in home was still using in my name. 2013 was the year o service. The amount is {$2400.00}.
Product: Mortgage

I am a bankruptcy attorney who represents a client name XXXX XXXX who is currently in a XXXX  XXXX case in the District of Maryland. She fell behind on her mortgage and sought a loan modification in XX/XX/2023. I sent US Bank authorization in XX/XX/2023 to mail all loan modification paperwork directly to XXXX XXXX through several emails to XXXX and also through correspondence with their XXXX XXXX XXXX who filed a proof of claim on the bankruptcy case. 

I do not represent XXXX XXXX in her Loan Modification efforts. I directed US Bank to mail all documentation, including time sensitive loan modification documents to XXXX XXXX as I was indefinitely away from my office and would not be able to forward hard copy mail. They continued to hard copy mail her documents to my office even though I explained I would not be there to receive it and that all time sensitive ( return within 14 days ) needed to go directly to the home borrower. US Bank refused to send loan paperwork to XXXX XXXX even though they have written authorization from me to send all paperwork directly to XXXX XXXX, especially because I was not in my office due to family issues and wouldn't be able to forward hard copy mail. 

All time sensitive paperwork must go directly to the home borrower. Despite all of my communications and emails they hard copied time sensitive mail to my office in XXXX where I am not at currently and specifically stated they did not care that I wasn't there and could not get her the packet. They still refused to mail her loan documents directly even though I gave written authorization and instruction for them to mail loan modification paperwork directly to the home borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$420.00}
Product: Debt collection

In XXXX of 2018 I took out two payday loans with cash in a flash totaling XXXX. In 4 years and 9 months they had added so much interest theyre now saying I owe more than XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries were made on address I no longer reside and have not lived it in more than 2 years.

XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX   XXXX  Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( XXXX ) inquiry was made on XX/XX/XXXX ( Experian ) 4 inquiries from XXXX XXXX alone!

XXXX/XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( XXXX ) XXXX - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company.

The inquiry was made on XX/XX/XXXX ( XXXX ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.
Product: Credit reporting or other personal consumer reports

My rights enacted by the Fair Credit Reporting Act, the Fair Credit Billing Act, and the Privacy Act of 1974 are in violation by the unaffiliated 3rd parties this complaint is addressed to for negative and defamatory items which have been placed on my credit report. I have included attached documents highlighting these items. As per 15 United States Code 6802 ( b ) and ( c ), which are included within the Statutes At Large, I was never provided knowledge nor disclosure of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition, there are late payments being listed which were never verified and violated my rights per XXXX United States XXXX XXXX. Both the credit furnisher and credit reporting agencies ( XXXX, XXXX and Equifax ) are in violation of these Acts. The credit reporting agencies are unable to provide adequate verifiable proof which has also been attached within the document ( XXXX ) uploaded, providing the exact types of acceptable proof to be considered verified. Lack of this acceptable proof based on their claim means there is a lack of Corporate Compliance and is essentially a crime. If the proper steps to my Letters of Instruction are not rectified within 30 days and updated immediately with proof of the update, then I will exercise my rights to take legal actions whether by filing a claim through XXXX, XXXX XXXX and by filing a claim against their bonds and insurances. I will also put my local Consumer Affairs agency and my states Attorney General on notice. Lastly, since all parties are currently the acting Fiduciary agents over my entrusted interests and information, I will take this matter to Federal court to seek the highest claim of the Federal Reserve Act Section 29. I hope to get this matter resolved immediately and amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer did not consent to, authorize, nor benefit from any of the following inquiries or accounts. Pursuant to 15 USC 1681c-2, block and remove them from my consumer report : Inquiries 1. XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 3. XXXX XXXX XXXX XXXX XX/XX/2021 4. XXXX XXXX XX/XX/2021 Accounts 1. XXXX 2. Dept of EdXXXX 3. XXXX XXXX, XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a lot of inquiries on my report and I never brought any car. I do not have a car and my name. These inquiries should be removed from my report. The law states if you havent purchased any vehicle, that inquiries are not supposed to be on your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX inserted this entry on my report without communicating with me.  I have not received a dunning letter or anything from them.  By law, prior to inserting this entry on my report, they should have communicated with me and allowed me 30 days to dispute the validity of what they are alleging.  I have retrieved my report numerous times over the last few months and they are still continuing to violate my consumer rights.  My communication with them in XX/XX/2019,  (see attached), of which I sent certified for the certified receipt proves they received my dispute letter; however, has not responded. To date, they have had almost 60 days to respond.  In my letter to them, I requested they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, provide the alleged account number, date this alleged debt became payable, original delinquency date, verification that the alleged debt was assigned or sold to collector as well as a complete accounting of alleged debt.  As previously mentioned, I have not received any response from this company.  To that end, this entry should be deleted from my report immediately.  XXXX XXXX XXXX XXXX are continually and blatantly reporting this entry and violating my consumer rights.
Product: Vehicle loan or lease

I LIVE IN A XXXX XXXX  APARTMENT COMPLEX, XXXX XXXX XXXX IN XXXX, MISSOURI XXXX. WHEN I WENT TO XXXXXXXX XXXX IN XXXX, I WENT INSIDE WHEN I GOT HOME XXXX BAGS WERE STOLEN FROM MY CAR ; JUST ONE HOUR AGO, I DID LAUNDRY WHEN I CAME BACK, MY FINANCIAL INFORMATION FROM A LETTER I WAS TRYING TO WRITE HONDA FINANCIALS WAS STOLEN WITH ACCOUNT NUMBER, MAKE AND MODEL AND I FEAR THAT IT IS GOING TO BE REALLY HARD IN PROBABLY THE NEXT 6 MONTHS TO MAKE MY PAYMENTS. I JUST WROTE THE FCC ABOUT XXXX XXXX XXXX XXXX PRACTICES AND MY SISTER 'S BUSINESS : XXXXXXXX XXXX XXXX, AND HOW I HAVE BEEN OUT OF WORK SINCE XX/XX/XXXX WITH DIFFICULTY GETTING EVEN AN ENTRY LEVEL JOB IN XXXX XXXX XXXX, MISSOURI ; I CAN'T FROM PAST EMPLOYER 'S GET MY W-2 'S, AND DOCUMENTS THAT PROVED I WORKED AT BOTH DESLOGE, MO XXXX XXXX XXXX XXXX XXXX IN XXXX MISSOURI WAS STOLEN FROM MY LOCKED TRUNKS AND DAMAGED BECAUSE RENTOR 'S WHERE I LIVE HAVE MY KEY. I FEAR THAT MY CAR WILL EITHER BE STOLEN, I MIGHT HAVE TO RELOCATE TO EVEN GET A JOB AT XXXX XXXX, AND I WANT TO SET UP A PAYMENT PLAN TO HELP ME THROUGH THIS BURDENSOME TIME. MY SISTER 'S BUSINESS ' NAME COMES UP ON THE PHONE ID WHEN I QUIT HER AFTER 5 YEARS IN XXXX. I HAVE BEEN COMMUNICATING WITH THE MISSOURI GENERAL, XXXX XXXX ABOUT A POSSIBLE LAWSUIT, BUT TO WHO I DON'T KNOW I AM REALLY AT A DISADVANTAGE. I WOULD LIKE TO RENEGOTIATE MY LOAN WITH HONDA FINANCIALS. I ALSO HAVE COMPUTER & PHONE ISSUES SO NOTHING IS PRIVATE.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent Dispute of Identity Theft and Inaccurate Information on Credit Report Dear Experian, I am writing to urgently dispute an account on my credit report that is a result of identity theft. The account in question, reported by XXXX XXXX XXXX, does not belong to me and needs to be removed from my credit report immediately. 
The details of the disputed account are as follows : XXXX XXXX XXXX, Account Number : XXXX. 

I received an email stating my case was there were no changes to my credit profile because an FTC report was not submitted but I have previously uploaded an FTC Identity Theft Report ( Report Number : XXXX ) on two separate occasions, as requested by a previous Experian investigator. 
I request that you provide me with the status of this case and remove the inaccurate information from my credit profile without further delay. Please find enclosed a copy of the FTC report and any other relevant documentation. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX around XXXX I made a purchase with my cash app card at XXXX XXXX before work with no issues. Later in the day around XXXX I tried to purchase items at the store in which my card was declined and cash app stated it was for my protection. I have a current balance of {$1300.00} in my account there is no reason for it to be declined. I can not transfer money, send money or buy anything at the moment. I have tried contacting them on many different social media sites as well as through email, due to them not having a customer service number. It is now XX/XX/XXXX its been over 24 hours and my account is still frozen there is many others on twitter stating they have similar issues, in which cash app is simply responding we are working on it
Product: Debt collection

XX/XX/2015, paid car title loan off for deletion still showing up on credit as a bad debt. When I paid they were suppose to delete the account from the XXXX   Credit report still not deleted.
Product: Mortgage

I purchased a house this year, closing with American Securities Mortgage. Soon after closing, they sold my mortgage to XXXX XXXX. I received my XXXX from XXXX but American Securities Mortgage is refusing to provide me with a XXXX, stating that since they sold before my first payment, they did n't have to send me one, even though they collected Mortgage Insurance premiums and Mortgage Interest from me.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX ( at that time my name was : XXXX XXXX XXXX XXXX. I changed my name because i got married ). I have XXXX babies and the XXXX of XXXX of them were covered by the government insurance because of my low income. When my XXXX  baby ( XXXX XXXX XXXX XXXX ) was born in XX/XX/XXXX, at XXXX XXXX Hospital at XXXX, kentucky, he got certain medical issue and the hospital kept him fews days to make him better. the hospital charged me for that while i was covered by the insurance. I went to the hospital to complain for that issue and they contacted the insurance company and they told me that everything was ok and i dont have to worry about that. They fixed some bills but fews months later i noticed that they fixed everything except one. They told me they Will fix it also but unstead i got collection mark of XXXX $ from GLA collections ( XXXX XXXX XXXX   ) on my credit report a until now. I called them to explain that it was a mistake they told me they can not do anything to remove that. I dont know what to do and that situation affect my credit score because i have a derogation mark. 

Can you please help me.?
Product: Checking or savings account

On XX/XX/2018, I opened a checking account at the BMO Harris Bank XXXX XXXX, IL branch. I funded the account with a deposit of {$1600.00}. On XX/XX/2018, I received the debit card for the new account and noted the address was wrong. The city displayed was wrong. I called the bank and noted to the bank that the address city was wrong and asked for the address to be corrected. 
On XX/XX/2018, I paid online via the debit card for a service. I thought it best to confirm my checking account balance and checked the balance online. On checking the online balance, I found my balance to be XXXX. 
I contacted BMO Harris customer service and inquired what had happened. The Customer service person suggested that I contact the bank in person. I visited the XXXX XXXX, IL branch and was advised by a XXXX XXXX, bank rep, that my account was closed. Per XXXX XXXX, a XX/XX/2018 letter was sent to my address by the Compliance dept of the bank. XXXX XXXX said that due to no response from myself to the letter that the account was closed and a BMO Harris check was mailed to me. The check date was not know by Ms XXXX. But the check was mailed to my address. Ms XXXX said that she had personally tried to phone me to inquire to address the situation in the compliance dept letter. 

I advised Ms XXXX that I had not received the compliance dept letter. Same for the BMO Harris check sent to my address. Further, I indicated that I had not received a phone call from MS XXXX. 

I requested a copy of the letter from the compliance dept from Ms XXXX. She advised me that a copy would be sent to me via email shortly. After a few days and no email received, I contacted Ms XXXX via phone and email. I contacted the branch manager via phone and email ( Ms XXXX had supplied me with a wrong email address for the branch manager ) requesting the compliance dept letter. I contacted BMO Harris customer service requesting the compliance dept letter via BMO Harris via their website contact process. I contacted via phone voice mail with a XXXX XXXX of the XXXX IL BMO Harris branch to contact me. All attempts to have BMO Harris Bank contact me were futile as no body contacted me. I do not have the compliance dept letter. 

I suspect that no compliance dept letter was sent due to the lack of no contact on this request. 

My complaint is about the lack of service in not providing the compliance dept letter to myself and the closure of my checking account. 

I have searched the CFPB database for similar account closure problems and have found 5 others.
Product: Payday loan, title loan, or personal loan

The payoff amount was too high. The loan of {$1000.00} was funded on XXXX XXXX and the payment was at {$290.00} for 12 installment payment with the first payment on XX/XX/2018. On XX/XX/2018, I request to skip the payment and a settelement was  agreed that I have to make a double payment on the last payment ( the 12 payment  schedule ). However, On XXXX XXXX, I called Lendgreen to make a payoff of my loan in the total amount of {$1500.00} ( Principal plus Finance fee ) and I tried to request for a lower finance fee since the loan is going to be paid early but It was not turned down and told that the final amount is final. The total amount was debited from my bank account on XX/XX/2018. 

The finance fee is more than 1/2 of the loan principal and it was only on a period of 1 month and 9 days. ( XX/XX/XXXX-XX/XX/2018 ).
Product: Credit reporting or other personal consumer reports

CONTACTED EACH OF THE CREDITORS AND REQUESTED PROOF OF THESE INQUIRIES, WHICH ARE ERRONEOUSLY SHOWING ON MY XXXX CREDIT REPORT. 

THEY DO NOT SHOW THESE REQUEST UNDER MY PERSONAL INFO PROVIDED TO THEM.
Product: Debt collection

A XXXX account became deliquent on XX/XX/2016, with a balance forwarded to a collection in the amount of {$840.00}. I have contacted XXXX several times and asked them to remove this account from my credit file. They have threatened me numerous of times and told me they would ruin my credit if I didn't pay the bill.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : XXXX  [ XXXX XXXX ] is falsely alleging debt of {$530.00}, when XXXX 's account closed with {$0.00} ( XXXX ) balance. XXXX [ XXXX XXXX ] is in violation of fair debt collection practices act 15 U.S.C. 1692. XXXX [ XXXX XXXX ] has allowed FRAUD to take place and delusionally believe I should pay for their failures. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

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

There are fraud and wrong information on my credit report and I let the credit bureaus know but the information hasnt been fixed
Product: Credit reporting or other personal consumer reports

delete these accounts in ( Equifax ) XXXX XXXX XX/XX/2024 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Debt Collector 's, I am writing to formally dispute the medical debt you have contacted me about and demand immediate validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I am aware of my rights, and I intend to exercise them fully.

You are required by law to provide the following information : 1. The name and address of the original creditor.

2. The exact amount of the debt, including any interest or fees that may have been added.

3. A detailed, itemized statement of the medical services provided, including dates of service and any payments made.

4. Copies of any documents that substantiate this debt and prove that I am legally obligated to pay it.

5. Evidence that you are licensed to collect debts in my state.

Furthermore, I demand that you cease all collection activities and communications until this debt has been fully validated. Under no circumstances should you report this alleged debt to any credit reporting agencies until you provide the requested documentation.

Additionally, I would like to point out that I have not received a Form 1099-C related to this account, which is mandatory for reporting canceled debt. Its absence raises serious questions about the legitimacy of this claim. 

If you fail to provide the requested information or if you continue to pursue this matter without validation, I will not hesitate to escalate this issue with the appropriate regulatory authorities and consider legal action to protect my rights. 

I expect your prompt attention to this matter and look forward to your swift compliance. 

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

Incorrectly reporting information to credit bureau and not in a timely fashion. Reported no activity to XXXX for the month of XXXX when balance was paid and there was a XXXX balance. Then updated for XXXX to XXXX when balance was XXXX. Multiple times Ollo credit card has not reported payment and balance information that I have had to call and resolve after many many attempts and complaints. My credit score is inaccurately reflected and this is multiple times now that I have to call and dispute to get resolved in which they require me to send a mail to them with my credit report and the error which I shouldnt have to do because its their fault. Also I submitted a dispute with XXXX about the inaccuracy and Ollo still doesnt respond to the dispute with ACCURATE information AND XXXX isnt following up on the innaccuracy of the report. I made a complaint with XXXX that olllo was incorrectly reflected for XXXX and they closed the dispute without making any changes. I was going to buy a car today and their inaccurate reporting has caused my credit to drop and therefore higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. Also XXXX has updated me report correctly, its just Equifax with some inquires and XXXX with some accounts and inquires.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting an authorized inquiries on my consumer report. In pursuant to 15 U.S Code 1681, Because have not giving TransUnion consent to report the inquiries, I am requesting TransUnion to remove the inquiries from my consumer report Inquiries : XXXX XXXX requested on XXXX XXXX XXXXXXXX requested on XXXX, XXXX XXXX requested on XXXX, XXXX XXXX requested on XXXX, XXXX XXXX requested on XXXX, XXXXXXXX XXXX XXXXXXXX via XXXXXXXX XXXX XXXXXXXX requested on XXXX, XXXXXXXX XXXX XXXX requested on XXXXXXXX XXXX XXXXXXXX via XXXX XXXX requested on XXXX, XXXX XXXX requested on XXXX.