23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, I am submitting MY second formal dispute regarding an alleged debt reported by Caine & Weiner Company on my credit report. I have already requested them to verify their ownership of the debt and they responded that they would reach out to a different company for verification detailsand mail me the XXXX Caine & Weiner is the original creditor on my report. If Caine & Weiner can not provide proper validation of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), they are legally required to REMOVE this from my credit report. According to their response to my first dispute submitted through the CFPB, If they do not remove the collection they are in direct violation of Con-spiring according to 18 USC 894 . 

The details of the account in question are as follows : XXXX XXXX Name : Caine & Weiner Company Account XXXX : N/A Amount in Dispute : {$100.00} Request for Validation : I am requesting that Caine and Weiner provide the following information to validate their claim of ownership and the accuracy of this debt : XXXX. A copy of the original signed agreement or contract that establishes my obligation to pay this debt. XXXX. Proof of their legal ownership of the debt, including the full chain of title and an assignment contract demonstrating their authority to collect on this debt. XXXX. A detailed accounting of the debt, including the original balance, any fees, interest, and other charges added. XXXX. Documentation verifying that the debt is within the statute of limitations. Without this documentation, I believe this account has been wrongfully reported to the credit bureaus and request its IMMEDIATE REMOVAL if it can not be validated.
Product: Credit card or prepaid card

on XXXX we were charged a fee of $ XXXX because we paid $ XXXX dls on XX/XX/XXXX. the due date was XX/XX/XXXX, but it was a sunday, and then XXXX of XXXX. so we pay the next business day on XX/XX/XXXX. 
on XXXX we paid on XX/XX/XXXX Arizona time, but there charged us {$40.00} dls, saying we were 1 day late after the due date. we paid {$150.00} dls I think they are using decieving strategies to charge unjust fees. 
we are requesting to get refund fot those unjust fees. 
we are demianding to get refung for $ XXXX dls.
Product: Student loan

I submitted my request to Mohela for refund on voluntary payments after XX/XX/XXXX paid during the student loan pause XX/XX/XXXX. The voluntary payments should have amounted to about {$82000.00}. I called multiple times to request updates, and was informed that it was submitted early XX/XX/XXXX. After more phone calls, I finally received an update that it was approved the end of XXXX. The principal balance including interest accrued before my refund request was at {$320000.00}. ( I do not have the exact balance when I requested the refund, but I did request this information from them ). I was informed that my refunded amount would be {$81000.00}. I have not received this refund yet and am patiently waiting for this to come in the mail. My principal balance including interest is now {$420000.00}, which does not add up as there should not have been any interest added during the pause. I submitted for a dispute and was provided a case #. I called XX/XX/XXXX for updates on this case #, the refund, and was informed that they do not have this case # in the system. I am just appalled at how unorganized everything is with Mohela, the payments, the inaccuracy of my loan amounts and do not know how to address this now.
Product: Debt collection

I have diligently made numerous attempts to establish communication with the esteemed legal entity of Pressler, Felt & Warshaw, LPP, through their designated online portal, with the intention of orchestrating equitable and rationalized payment arrangements. Regrettably, my persistence has waned, prompting this communication. It is paramount to note that I conscientiously conveyed my circumstance of international occupational obligations, warranting the employment of this virtual channel as my optimal means of contact. 

In a disconcerting development, I found myself subjected to legal proceedings by the aforementioned entity in relation to a debt that had been duly expunged from my credit dossier by virtue of the efforts undertaken by XXXX XXXX XXXX XXXXXXXX. This expungement was the result of an acknowledged error, subsequently mandating its erasure as per the provisions of pertinent legislation. Astonishingly, Pressler, Felt & Warshaw, LPP, appear to have maintained an audacious interpretation of their legal prerogatives, persisting in their endeavor to recover the aforementioned debt. 

I am compelled to admit that, despite my reservations, I have acquiesced to their assertions. However, it is of considerable concern that my earnest overtures have met with conspicuous silence on their part. Curiously, this silence seems to be in stark contrast to their apparent diligence, as evidenced by the dispatch of two instances of " Interrogatories in Aid of Execution. '' These inquiries, probing into my financial, real estate, and business affairs, materialized subsequent to my return to the United States. 
It is with a sense of unease that I apprehend the notion that Pressler, Felt & Warshaw, LPP, may be exhibiting a disregard for the genuine predicament at hand, thereby culminating in practices that are perceived to be inequitable and discordant with principles of just commerce and jurisprudence.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I had XXXX despoits into my cash app they locked my account wont let me use it or take money out they said someone was trying to take money out and no one try to take money from my account they locked my account and I can not use my money I need my money on my account they wont let me use my money on my cash app I really need my money from my account on cash app my number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted more than 5 times to have Chase and XXXX update my credit report to reflect a status of closed along with the closing date. 

Each time, Chase and XXXX are blaming the other and my credit report is not reporting accurately which is negatively impacting my ability to secure credit and negatively impacting my family and creating hardships. 

I recently contacted Chase in Late XX/XX/2022 and the executive office said they would check/follow up with me again in a couple weeks to ensure my credit file has updated correctly. As of XX/XX/2022, no one from ChaseXXXX executive office has called me back. I called Chase again on XX/XX/2022 and left them a message an d I was told my account manager/representative named XXXX would call me back but she still has not called me back to resolve this issue.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX-XX/XX/XXXX we were in a modification agreement for our home. We made all payments as requested and responsibly per agreement. Then in XX/XX/XXXX I received a notice of trustee sale foreclosure. We then obtained an attorney and won the case due to the loan care servicing center not honoring their original modification agreement and intern they would correct our credit score rating as they indicated we were delinquent on our payments so we would be able to refinance our home. Since then I have worked with our attorney and filed several complaints against the in accurate information reported on our credit reports stating delinquency without success and now are facing another foreclosure incident. We also lost a small business operating under a rental agreement due to the Covid medical situation which has put us into a financial burden. If this had been originally fixed we would be able to refinance and continue making payments please help us obtain the correct information so we are able to refinance and remain in our only resistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2018 I requested due to hardship, at the time there were not options for gov  workers. On the call capital one setup payment arrangement. I have attached the document, and the new document from capital one. Over the phone, and in the hardcopy document it never said that a " specific '' month would be put to the back of the loan. I thought the agreement was for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. On XX/XX/XXXX, XX/XX/2018 payment would have prevented XX/XX/XXXX for being late, and XX/XX/XXXX payment would have prevented XX/XX/XXXX from being late. I called again and asked why I was reported late for XX/XX/XXXX, XX/XX/XXXX months when an agreement was in place. The issue is, why would capital one make me more late. A plan is supposed to help get you out of debt, based on what capital one is saying they just made an arrangement, this didn't help me to be current if it made / reported late for those two months. This is predatory, and the agreement never mentioned it was only for XX/XX/XXXX,XX/XX/XXXX payments, I was already late for those based on capital one data, why make me more late? Calling over the phone I was upset with the rep, and one advised at the leastXX/XX/XXXX definitely shouldn't have been late. Capital one reported predatory payment and I think at the least if they don't want to investigate XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, atXX/XX/XXXXt, and XX/XX/XXXX should not have been reported I feel it was incorrect. Please show me where in the agreement, that it said the two payments pushed to the back of the loan were for XX/XX/XXXX,XX/XX/XXXX. If I call in XX/XX/2018 as mentioned before, I wasn't let yet for these months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 accounts were updated on Equifax to balance of {$0.00} and paid. On XX/XX/2020 they removed the updates from the accounts and significantly dropped my scores. 

XXXX XXXX XXXX Credit Card {$1600.00} XXXX XXXX XXXX Auto Loan {$4500.00} XXXX XXXX {$720.00} I am attaching the letters from the creditors that it is to be {$0.00} balance.
Product: Credit reporting or other personal consumer reports

My accoun was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this
information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX OF XXXX XXXX Account XXXX Account name : Untitled Account XXXX Account name : FAMILY LA CO Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Mortgage

I lived at XXXX XXXX XXXX in XXXX between XXXX. I lost my position at XXXX XXXX : Wells Fargo Foreclosed on my House. Was I a VICTEM of their Practices????
Product: Credit reporting or other personal consumer reports

Thank you for your efforts in removing some of the erroneous entries from my credit file, but there are still items remaining that need to be addressed. This letter serves as another notification of my ongoing issues with incorrect credit reporting. I am disputing these items because they do not correspond to any transactions for goods, services, or financial dealings that I have conducted or authorized. I request the removal of any entries in my credit file that stem from these inaccurate reports : EXPERIAN : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5700.00}. These items are unfamiliar to me. Furthermore, the information you have on these items has been removed by other credit bureaus, raising concerns about their accuracy. The payment history of these accounts is also unclear to me, as mandated by FCRA 605B ( c ) ( 1 ) ( C ) regarding the authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

State of Michigan XXXX of XXXX XXXX XXXX XXXX, being first duly sworn, deposes and says : Identity : I am the individual whose name appears on the credit report issued by on Equifax, XXXX and XXXX XXXX. 
Dispute of Inquiries : I dispute the accuracy of the following inquiries listed on my credit report : 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 inquiries were made in violation of 15 U.S.C. 1681b and 1681n, as they were not authorized by me or made for legitimate business purposes. 
Dispute of Collections : I dispute the accuracy of the following collections listed on my credit report : XXXX XXXX XXXX. These collections were reported in violation of 15 U.S.C. 1692g and 1692c, as they were not valid debts or were not properly communicated to me. 
Dispute of Charge-Offs : I dispute the accuracy of the following charge-offs listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These charge-offs were reported in violation of 15 U.S.C. 1681e and 1681i, as they were not accurate reflections of my creditworthiness or were reported in error.
Product: Credit reporting

XXXX XXXX keeps making unauthorized hard inquires on my credit report I purchase sn item more than 2 years with them and they keep making hard inquires on my credit report, besides they are reporting that I owe thrm XXXX when I owe them XXXX, they are reporting false information and also keep making unauthorized hard inquires on my credit report which I know is illegal
Product: Debt collection

Since 2019 and onward, I have and endured issues with incorrect information being on a lot of my personal accounts anywhere from taxes- to medical ( apparently XXXX XXXX XXXX XXXX  ) incorrect addresses and phone number on my credit reports, and collections not belonging to me. Work history on a background check not one was accurate for former or current employment. Ive tried asking for help and did all the freezes and what not but nothing really seems to be coming from it. Please help. 

Sincerest of advanced thanks-
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed in a dispute certified mail to Experian that was received on XX/XX/2021 at XXXX XXXX  confirmed by certified mail tracking number ( XXXX XXXX XXXX XXXX XXXX ). 

In this dispute Experian was put on notice that items that were being furnished were the result of IDENTITY THEFT see FTC Report # XXXX I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file Pursuant to 15 U.S. Code 1681c2 ( a ) : US DEPT OF EDXXXX US DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XX/XX/2021 Experian has not complied with 15 U.S. Code 1681c2 ( a ) which puts them in VIOLATION of this Law.

Block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.
Product: Checking or savings account

K my name is XXXX XXXX XXXX well you already now that we got money cuz of the XXXX well i got my money and i had it in my card still i wasn't trying to spend like every one else i really trying to by myself a car so i told myself to buy a car so that u can go out and find a job well i had called to get myself a card cuz my money wasn't adding up right with my money so i got my new card like in the middle of XX/XX/2020 so it had like {$4500.00} well i had to pay my rent cuz u now i have been staying in a motel do to not having my own place so i took out {$700.00} and then i took out {$500.00} just so i can have some money in my pocket well i found a room to rent from a friend well i try to take out the money so that i can pay the rent money well to find out my card was lock so i called the bank to see what had happen and they told me to edd which i did and they told me to send them copy of my Id and that to give it XXXX XX/XX/2020 and my card should be ready to use well i have the bank of America app on my phone so well the days went bye XXXX the XXXX of XXXX came so i was checking to see if my money was still they and it was well i gave it XXXX XX/XX/XXXX and i only had {$500.00} on it well ever since then I've been calling and calling but they kept telling that edd was going to put it back on my card but then i called edd and they tell to call the bank cuz they anit just going to give money and then take it back so oh no but the must crazy thing is that i called to see when was the last time i took money out now know that i don't or couldn't take any money out do to i was waiting for edd to unlock my card right well it was telling me that i had took money out on the XXXXand on the XX/XX/2020 but there was no way it was me cuz my card was locked so oh but now i am still waiting on my new card cuz i lost my and i've been waiting on it since the XXXX of XXXX well someone is still taking out my money and i call the bank over and over and just keep telling to call edd and i have but they said that i need to talk to someone from the claims well i have TRIED and tried and tried but no luck so can u guys please help me out thank u so much.
Product: Credit card

I had just came home a few days before my payment was due I remembered and I was paying online. Im mistakenly put in the wrong account number twice after realizing what I have done. I contacted the company Discover card and paid it online. They did receive their money and they did, cut my card off for fraudulent activity they said it because I put the account number in there wrong twice. They did not offer to reopen my account. They continue to build me every month and they wont give me my car back even though I was paying on time. I am aware that they have taken my application and turned it into a security on the secondary market and they have been fully compensated from securities on the secondary market because of my and other applications.
Product: Debt collection

I received notification about disputing this debt AFTER they had already placed it as a collection on my report. I was NEVER given time to send in my written dispute regarding this invalid debt. It was with another agency and the information could NOT be verified therefore it was removed from my reports. This company has FAILED to verify that I owe such debt.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries
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