23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding a release tax lien that is being reported on my Transunion credit report as docket number XXXX for XXXX.the lien has been released since XX/XX/XXXX. I have made efforts with filing  numerous investigations and disputes online, by phone in efforts to have this inaccurate information removed with Transunion, and it came back as accurate. Under the new law effective XXXX XXXX every public record must include name/address/Ssn/dob in order for it to appear on your credit file. Transunion refuses update their information and per the new law regarding tax lien the reported information does not comply with the new law and should be deleted off of my credit report. I have exhausted all efforts In resolving this  issue with Transunion as my outline regarding the law has gone ignored. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continually called and sent letters to have an open account with XXXX XXXX XXXX XXXX removed from my Equifax credit. It is being reported to my Equifax credit that I still have an open Account with XXXX XXXX XXXX XXXX owing approximately XXXX on a car loan. This Loan was discharged in my bankruptcy filed nearly 10 years ago when the bankruptcy court allowed for repossession, and the auto to be sold. despite my complaints to them To date, there has been no action by XXXX XXXX XXXX XXXX.
Product: Student loan

My complaint is about the Navient settlement. I was a borrower with loans that they misled, mismanaged and mishandled for years and somehow I am not included in the CFPBs Redress???? Thats ridiculous! I have plenty of proof of their tactics via emails and paperwork that I kept from XXXX where they never mentioned anything except Forebearance and Deferrment on top of having me pay them an ungodly amount of money each month to rehabilitate my defaulted loans and yet those payment seem to not exist in their records but a consolidation that I never agreed to is in there. Im the poster child for Redress! Once again, I am lost in the shuffle and wont get any relief from any of these student loan issues Ive had for 25 years. Heres to being saddled with XXXX in debt from a XXXX loan, and they say usury loans are illegal. XXXX.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) has sold debt to XXXX XXXX XXXX on XX/XX/XXXX. This is the 3rd or 4th time XXXX XXXX has sold this same debt. 

I have sent XXXX XXXX XXXX a DEBT VALIDATION REQUEST on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). it was sent certified mail receipt # XXXX. XXXX XXXX XXXX has continued to call me from numerous out of state phone numbers. 

PRIOR to this, I was contacted by a debt collector about this debt - a debt which is owned by XXXX XXXX XXXX. This OTHER debt collector is named XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX Ohio, XXXX. I ALSO sent a DEBT VALIDATION REQUEST to XXXX XXXX on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). XXXX   XXXX  DID NOT RESPOND to this debt validation request whatsoever. 

Instead, XXXX contracted to XXXX XXXX  CANNON LAW ASSOCIATES  of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Utah XXXX. I ALSO SENT A DEBT VALIDATION REQUEST TO XXXX XXXX CANNON on XX/XX/XXXX by certified mail pursuant 15 USC 1692g Sec. 809 ( b ). XXXX XXXX Cannon did not respond in writing. Instead, XXXX XXXX Cannon sent a CD which was not readable and in DID NOT COMPORT to a written response to validate the debt pursuant 15 USC 1692g Sec. 809 ( d ). 

This debt is owed by XXXX XXXX XXXX - yet XXXX XXXX CANNON LAW ASSOCIATES ( XXXX ) continues to make unwanted contact after being requested in writing on XX/XX/XXXX to both CEASE CONTACT and VALIDATE A DEBT pursuant the legal statutory USC of the FDCPA. 

Today is XX/XX/XXXX. XXXX XXXX CANNON LAW ASSOCIATES attempted to serve a summons at my home address DESPITE NO LEGAL OR LEGITIMATE CLAIM FOR DEBT COLLECTION ON BEHALF OF XXXX XXXX. Further, XXXX XXXX CANNON LAW ASSOCIATES has both inflated the value of the debt, refused to comply with a XX/XX/XXXX written request under the FDCPA to validate the debt and prove they are the owners of the debt on behalf of XXXX XXXX XXXX. 

I did not accept the service of the " SUMMONS '' at my residence. Instead, I witnessed the process server go to my neighbor 's house and tell them I owed a debt before the process server left the summons on my doorstep- invalidating the process. 

MY COMPLAINT : XXXX XXXX CANNON LAW ASSOCIATES is initiating legal service to collect a debt that is not owned by XXXX XXXX XXXX and which there is no obligation. XXXX XXXX CANNON LAW ASSOCIATES refused to validate the debt and continued to make contact -has improperly and illegally filed a summons for a debt owed by XXXX  XXXX XXXX . 

This is harassment and an abuse of process to deliver a summons to collect a debt that is not owned or serviceable by XXXX XXXX CANNON LAW ASSOCIATES or XXXX XXXX CANNON LAW ASSOCIATES client, XXXX   XXXX XXXX.
Product: Credit card or prepaid card

Made NUMEROUS attem pts to speak with a  Citi    XXXX   or other representative that could assist in applying for a balance transfer card & transfer a $  XXXX  school loan balance ... However, repeatedly met inept or incapable button pressers that could not even understand the issue.     Finally, blindly made the request for credit via online submission as I was told after the credit line was approved a increase could be requested. Currently $  XXXX  will not serve the purpose of initiating a business relationship with  Citi.      Today, after  3 escalations I was speaking to Sr. Acct S upervisor (  XXXX   XXXX   )  & it 's becoming clear  Citi does n ot have a single competent person working at ANY level of customer service ...     Need to speak with an   XXXX  , customer  Executive t o exercise a meaningful  Brick & Mortar customer inquiry, a meaningful & informative request for a SPECIFIC request for a creditline increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection on my credit report with all three credit bureaus. The collection is from the XXXX at XXXX XXXX XXXX XXXX XXXX I have NEVER lived at. I have resided at XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX since XX/XX/2020. I have done everything I know to do including offering copies of my 3 years of lease agreements to prove I NEVER lived at the complex and the {$330.00} collection is not my account. This is preventing me from finding housing. I will be homeless on the XXXX because of this.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I am actively challenging the validity of this alleged eviction you have listed on my consumer report. In the recent months, I have challenged this same account with the credit reporting agencies and they came back stating that they have verified this alleged account with ( XXXX XXXX XXXX XXXX NJ XXXX To my complete and unbiased knowledge ( Weimark * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C. 1681.

Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. I am expecting a response from you within 30 days from the dat you receive this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$850.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$850.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$490.00} XXXX XXXX {$160000.00} XXXX  XXXX {$15000.00} XXXX XXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been YEARS now and nothing changed. All of these companies refuse to change dispute but advise one already opened. HaHa no kidding! When does the consumer get a fair shake. It's always the lender who is correct regardless of information provided, and it always takes longer than allowed but who cares! letter 's written, calls made, emails, CFPB. Complaints in my opinion all a fraud of great magnitude designed to keep people in financial bondage! Hey the record in writing evidently confirms it! Here is XXXX reply to current report which has given us a low score and adverse action just yesterday! Killed by the other two Equifax and XXXX. 

Know your rights REALLY WHAT RIGHTS HAHA A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. OPINION WHAT GOOD IS THIS? A WASTE OF TIME!!!! 
Submitted warning Disputes submission failed! 
XXXX XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. When do you correct the complaint!!!!! 

CREDIT UNION Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

CAR LOAN Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. ''
Product: Debt collection

I am a single mother. I recently tried to purchase a home and was denied because of my credit. So that inspired me to pull my own credit report to see why i was denied. To my discovery there were several accounts on my credit report that was not authorized by me ..
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, its confusing to find out why do this account have to be reported twice on my credit report, same account same account number.. Second the account is always paid on time..You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account XXXX  XXXX XXXX XXXX
Product: Credit reporting

- I went to request my credit report to XXXX- I ordered credit report from all three agencies- I could download from XXXX but Experian- Experian generated " a system error '' problem and would not generate report- I ran out of my free report since it 's only one per year- I call is only automated and online submission has not resulted in any responce except getting email to pay for score!!!
Product: Debt collection

I took aout a loan for a XXXX XXXX and it was with Service Finance Company LLC. 

i have had trouble from day XXXX getting my statement in a timely manner. 

I have made many calls and with a hearing XXXX this is difficult for me. 

The employess are not helpful or sensitive to my XXXX. 

My payment is due by the XXXX of each month. 

This month I did not receive the statement until the XXXX of the month. 

When it was not here by the XXXX, i tore part of an old statement off, wrote a check with an explanation and mailed it. 

I am being told they never received it and from reviews I have read about this company, they do this a lot. 

Today the employee said I am still in the XXXX XXXX '' and they will put in a complaint and to call back the XXXX or XXXX. 

I was told I could make this payment today which I would not do as I already sent a check. 

I have never had a company like this, ever and I pride myself on making my payments every month before the due date. 

I have also requested my statement be changed to right after the first of the month and was denied the request. 

I am a XXXX XXXX and this is causing me great anxiety.
Product: Vehicle loan or lease

I took out a predatory auto loan with Prestige Financial over a year ago. This has been the loan from XXXX. I was fresh out of ch XXXX BK, and the lender took full advantage of me in a vulnerable state. I'm paying 23.99   % int, and the account manager named " XXXX '' has been harassing me via txt/sms messages and emails for over a year. After a year, I have only paid {$92.00} towards the principal after 12 payments which is complete robbery. I have used loan calculators and can not come up with how they are doing their math. We are currently in a pandemic, and lenders are supposed to work with borrowers, but not this company! I have a string of txt messages dating back months and during the current pandemic of XXXX harassing me for payment even when I'm 5 days late. She continues to threaten to repo the car even during the pandemic and they reported me to the credit bureau 30 days late while I was furloughed due to corona. There is no way this company is operating legally and I need help. I have the text/sms thread of all of XXXX 's continued threats even after I told her to stop harassing me at work she continues to threaten to repo the vehicle.
Product: Checking or savings account

I had XXXX different transactions with J.G. Wentworh. The first two went smoothly, no issues. The first being on XX/XX/XXXX for {$100000.00}, the second being on XX/XX/XXXX for {$95000.00}, the third on XX/XX/XXXX for {$480000.00}. They only sent me {$2000.00} on the third transaction. I tried to contact them numerous times throughout the time period allotted to cancel it, got no response. I have messages from someone from their company telling me XXXX supposed to receive {$480000.00}. I never once went before a judge during any transaction. Since then the bank has closed my bank account and caused many other issues to arise. All I want is for them to give me my money, which is out of a XXXX XXXX dollar settlement and quit tricking people into signing something when they are lying to them and scamming them.
Product: Credit card or prepaid card

I noticed the money owed to my Discover card was not going down, plus I had not used this card in several years. I called them and they told me I was being charged the highest interest rate because all I owed them was from cash advances. I told them less than half what I owed was cash advances but they told me I was wrong. I asked them to check my records and see. They told me they could only go back 18 months and since I had not used the card in the last 18 months they could n't check back. They told me they could suspend the card for one year and charge the lower rate for that period of time. That year is about up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting 5 accounts from XXXX XXXX that do not belong to me. I was not notified by mail of any of these accounts prior to this company placing these accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX  XXXX {$380.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$670.00} XXXX XXXX {$61000.00} XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX XXXX {$310.00} XXXX  XXXX {$8900.00}
Product: Credit card

I sent XXXX XX/XX/XXXX to my XXXX checking to be paying for my XXXX credit card as I have done for years. 
Bank of America with no notice no consent and no right took XXXX out of my account for XXXX and applied to a closed and charged off business credit card instead of my personal card. 
Then they marked me 30 days late destroying my perfect credit. 
I contacted Bank of America and they did nothing
Product: Credit reporting or other personal consumer reports

I received a bill from you on and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX  XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been closed since XXXX XXXX off, XXXX is still charging monthly and adding interest and reporting to the credit bureau as if I still have a XXXX. Balance increase every month on a charged off account. Illegally reporting and increasing balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has violated my privacy and confidentiality under 15 USC 1681 Account name : 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  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 section 2. It also states that consumer reporting agencies can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.