23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX XXXX sent the Letter below along with an identity theft report from ( FTC ) to 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 To whom it may concern, I am contacting you in reference to the alleged debt reporting on my consumer report with the account number XXXX -. According to 15 USC 1692 ( a ) congress has found evidence of abusive, deceptive and unfair debt collection practices. I am herby informing you that because of this i have suffered financially and mentally.

Your company has harassed me for an alleged debt that has not been lawfully validated and sent a consumer contract which case law XXXX XXXX XXXX XXXX XXXX says is not sufficient evidence of a debt. Your company has continued to intimidate me and be deceitful which has caused me to have marital issues that i can not even afford to handle professionally. 

I am granting your company the opportunity to resolve this matter by the following instructions : XXXX. DELETE THIS ALLEGED DEBT FROM ALL CONSUMER REPORTS AND FILES XXXX. CLEAR ANY ALLEGED BALANCE XXXX. REFUND ALL PAYMENTS MADE ON THIS ACCOUNT Thank you for your attention in this matter, XXXX XXXX XXXX, Without prejudice, All Natural Rights Reserved
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX XXXX  Account number - XXXX _____________________________________ INQURIES XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency 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 conviction
s 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

Please take away these inquiries. I am unaware of them, and the company did so without my agreement.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXXXXX  This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected mXXXX XXXX. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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: Credit reporting or other personal consumer reports

I have included my dl, bill., ftc and proof that this information is fradulent. Per the information that I have read on CFPB website those are the documents needed The advocacy group is helping me due to debt bondage please delete all accounts listed, 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 XXXX. XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against SoFi Bank regarding the abrupt and unjustified closure of my bank account and the handling of my remaining funds of about {$1000.00} dollars. 

On XXXX, I received an email from SoFi Bank stating that my checking account was being closed immediately due to an alleged violation of their Deposit Account Agreement. However, the bank provided no specific details regarding the supposed violation, nor was I given any prior notice or opportunity to address the issue. 

Additionally, SoFi Bank has stated that my remaining funds will be " returned to the originator, '' while simultaneously claiming that I am not the rightful owner of the account. This is both inaccurate and concerning, as I am the legitimate account holder and have conducted all transactions in compliance with banking regulations. 

I believe SoFi Banks actions are unjustified and may constitute unfair or deceptive practices, including : Closing my account without providing a valid reason. Withholding or misdirecting my funds without clear explanation or due process.
Product: Credit card or prepaid card

on XX/XX/2020 I received an unemployment card at my home address. 
This card does not belong to myself or anyone in my household. I reached out to US Bank as that is who this reliacard is through, the person that I spoke with at US bank told me that this was a big scam that was going on with the unemployment cards right now.
Product: Mortgage

I have owned my home for nearly 25 years. I have never had any problems with my mortgage company or making my payment until recently. I am now facing foreclosure and feel that my lender Nationstar Mortgage is not allowing me the chance to fix this problem. I suffered some major health problems in the last couple of years and have been unable to work. I am awaiting a XXXX hearing this XXXX, at which time I will most certainly be awarded benefits. I have informed Nationstar of this situation and they are aware and told me they would work with me and just wanted to be kept in the loop. Well I have done this with them and they told me it would all be fine. But now they have started sending foreclosure notices to me in the mail and are moving to set an auction for my house. I do not want to lose my home that I have owned since 1994, I have nowhere to go and have made thousands of dollars of payments over the years. I understand that Nationstar received millions of dollars in taxpayer bailout funds and that they are obligated to work with struggling homeowners. I also understand that there are various programs for people who are unemployed or become XXXX that allow a deferral of payments while the situation gets figured out. Believe me, if I could work and pay Nationstar right now I would. 

I worked as an XXXX for 30 years and made a good living. However, after years of hard work my body suddenly started to give out on me. I was XXXX and then with an XXXX. Not long after that I had to have XXXX and then also on XXXX. I am an excellent candidate for XXXX but have been waiting nearly THREE YEARS for my hearing which is coming up in a couple of months. 

I do not want to lose my home at foreclosure auction and I do n't know why Nationstar is not considering me for unemployment programs that allow homeowners to defer past due payments while awaiting employment or the receipt of XXXX funds. I am concerned that Nationstar is not allowing me access to these programs and not giving me the chance to save my home Once my XXXX is approved I know that some type of plan can be worked out. My delinquency is close to {$5000.00} at this time. This is more than I could possibly pay in a lump sum but it is not such a large amount that this situation ca n't be figured out. I am asking for some compassion from Nationstar, and the chance to be considered for all available programs. Right now I am at their mercy as I do not have any type of steady income but I assure you that after this XXXX hearing I will be granted benefits and will be able to get back on track and make timely payments for the rest of the life of this loan. I wanted to inform your office of this situation in hopes that you can assist and persuade Nationstar to allow me the chance to save my home through this program.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/ This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan at at XXXX dealership, that sent me to partner dealership for inventory. Between XX/XX/2019 and XX/XX/2019 the 2 dealerships gave me 4 hard inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be Advised, Ive been a victim of Identity theft. Ive never done business RentDebt Automated Collections , LLC.
Product: Debt collection

Got sued for XXXX dollars for a debt I knew nothing about nor made a payment on they call me constantly Ive asked them to stop. 
Company is portfolio Recovery. 
Went to court in court asked them to not contact me except by mail and still receiving phone calls and saying you will call us back and make a payment. Also keep hitting my credit report repeatedly
Product: Credit card or prepaid card

I have unauthorized transactions that was continously made on my account that I was not aware of. XXXX XXXX XXXX said I need to contact the merchant but I don't no the first thing to do to reach out to the merchant. you have to have the person that committed the fraud on my account information. to get any kind of info from the merchant. all i have is my card number and that isn't enough.
Product: Checking or savings account

Regarding Chase reference case number XXXX : I received Chase 's response that my check was not deposited because it was a duplicate item, but this check was never deposited into my account. Since Chase has not disbursed the funds for my check, I am requesting that Check number XXXX be cancelled, so that the issuer can issue me a new check. The check is currently showing as deposited, but I have not received the funds- it was NOT deposited in my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX Experian XXXX Account names : XXXX Auto : XXXX XXXX XXXX -XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX -Child Support Enforcement : XXXX XXXX XXXX Child Support : XXXX XXXX ***** Child Support Enforcement and AZ XXXX Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS. '' ***** - XXXX XXXX XXXX section XXXX A states that I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my my written instructions. XXXX XXXX XXXX C ( A ) ( XXXX ) Section states : no consumer reporting agency XXXX make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then XXXX years. - XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. ***** Child Support Enforcement XXXX and AZ XXXX Child Support XXXX " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts " *****
Product: Mortgage

I am reaching out regarding my mortgage account due to serious concerns about my ability to make payments and the handling of my account. While I had fallen behind, I was actively working to catch up. However, I recently noticed that the option to make payments online was removed. Additionally, when I contacted customer service, I was informed that single-month payments would not be accepted, despite being only XXXX months behind. 

To stay on track, I submitted a payment through my bank, yet it has not been posted to my account. As a result, my account now reflects a more delinquent status than it should. This situation appears to be a deliberate effort to add unnecessary fees and penalties to my loan, making it even more difficult for me to catch up. I find these actions to be deceptive and, at the very least, predatory in nature. 

Furthermore, when I have previously attempted to discuss this matter with customer service representatives, I was met with dismissive and inappropriate remarks, including a suggestion to sell my personal belongings. This response is not only unhelpful but also deeply concerning. 

I am requesting immediate clarification on the following : The status of the payment I submitted through my bank. 
The reinstatement of my ability to make payments online. 
Available options for resolving this issue and ensuring my account reflects accurate payment information. 
I expect a prompt and transparent resolution to this matter. If necessary, I am prepared to escalate my concerns to the appropriate regulatory authorities. Please advise on how I can move forward as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and discovered that you are reporting inaccurate information about me, which is a violation of the Fair Credit Reporting Act ( FCRA ) and requisite METRO2 compliant reporting standards. Specifically, the alleged collections account in question are listed to have different XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$13000.00} Experian {$13000.00} XXXX {$13000.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX of last activity been reported incorrectly & has a past due which is another violation XXXX XXXX date of last activity been reported incorrectly & has a past due balance Under the FCRA, XXXX have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. Therefore, I request that you immediately remove these accounts from my credit report and provide me with an updated report showing your compliance with all METRO2 reporting standards, with these accounts removed upon completion. 

I expect your prompt attention to this matter and confirmation of the removal of this inaccurate information.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Creditor Name : XXXX XXXX Account NumberXXXX Date of Charge Off : XX/XX/year> Amount : {$1.00} I have previously disputed the accuracy of this collectiom account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account collection my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX an inquiry from Factual Data was reported to my XXXX report that I did not authorize.
Product: Vehicle loan or lease

Long story short : I have a second hand XXXX XXXX XXXX that is been finance with Capital One Auto Loan.. 
XX/XX/XXXX of XXXX round XXXX I was on a Highway, Car enter into Limp mode, engine light start blinking and car didn't move more than XXXX, I almost cause a accident with a car behind of me... End up calling a a tow company to bring car home and contacted XXXX XXXX immediately the next morning and learn about this car have multiple Recalls but the most important is that XXXX have already a Lawsuit in place and Settlement due the fact this is going on and on, on a daily basis with XXXX XXXX and XXXX XXXX XXXX 

Here is the Link to the Settlement : XXXX XXXX XXXX 

Well I also immediately contacted Capital One Auto Finance and inform me about the situation and they stated their only concern is to get paid monthly for this car loan. 

After struggling for almost 2 weeks Finally XXXX XXXX XXXX in Fair Lawn XXXX XXXX  took the car in on the XXXX of XX/XX/XXXX and few days Later they send a video diagnose of the car stating clearly the same problem of the XXXX settlement with this car and that the engine need to be replace immediately. I learn this can take weeks and or 2-3 months before they can replace this engine due the long wait for new engines for other cars with the same problem.. 

I have been renting a car out of my own pocket due the fact that XXXX XXXX doesn't have car for loaner and they stated that per the settlement only after the car is repair/engine change I can go ahead and summit the rent a car receipts for a reimbursement as well the tow reimburse. 

I CONTACTED CAPITAL ONE AUTO LOAN IMEDIATELY AND THE INFORME ONCE AGAIN THEY ONLY CAR ABOUT MY PAYMENTS
Product: Vehicle loan or lease

Credit  acceptance came and repo my car prior to that repossession my car was seen by my mechanic which at the time presented credit acceptance with statements about my vehicle being in good condition prior to the repo they broke my sylnoid plug and promised my mechanic they would pay after he fixed my vehicle they cut off all communication with him left me wit a XXXX balance for something they broke than raised the car note by XXXX $ than my car was repo again this time I had to pay XXXX $ didnt have a car lost my job and lost my place was staying in my moms basement with my XXXX XXXX XXXX child I got help from family and friends to get the money for the car when I got there with my daughter and boyfriend they tried to make me sign papers saying my car was in the same condition it was in when they got but I didnt sign my boyfriend told me know because this place broke my car the first time so I asked to see my car before signing these papers and they didnt wan na show me my vehicle so when I asked why not he said its busy hell find it and have it sent up front for me upon inspecting my vehicle i found out my car didnt work it had no power in gas it wouldnt drive pass 10 mph comes to find out i need a transaxle assembly but when i asked them whats wrong with my car they told me nothing was wrong wit it than when i tried to start my vehicle it wouldnt start. So at this point im getting mad im like why is my vehicle doing this the manger is like it needs a new battery thats all Ill even pay for one so I told them know can you give me a diagnostic check they refused to give me one without talking to credit acceptance first than thats when I had to wait 6 hours just for them to tell me my car doesnt have a transmission. Why would I come spend my last  XXXX $ for a car that doesnt work I thought I was getting my car back the same way they took operable not inoperable this wasnt fair to me or my family now I have this tremendous debt on my name because they broke my car and made my car not almost a XXXX dollars for a XXXX  XXXX XXXX XXXX