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

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts AND inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX
Product: Debt collection

On this day XXXX XXXX XXXX I've contacted CONVERGENT OUTSOURCING regarding an invalid debt that's been furnished onto my consumer report. According to 15 USC 1692 ( g ) a debt has to be validated with proper document verification, also 15 USC 1692 ( g ) ( 5 ) states a statement upon the CONSUMER may request a copy of such verification of validation. So how could this be furnish upon my consumer report without valid verification.
Product: Checking or savings account

Someone have opened a account in my name using my social security information. They bank it was opened at was Wells-Fargo bank. I attained a copy of my credit report and seen that it was open. This account is fraudulent and my identity was stolen. Someone have opened this account without my permission. I did not allow anyone to open this account and I did not open this account. This account was not opened with my permission. I did not know that it was opened. i have filed a police report.
Product: Debt collection

Account # XXXX from Portfolio Recovery Associates appeared on my XXXX, XXXX , & XXXX  credit reports in  XX/XX/XXXX. I DO NOT have a contract with this company. I sent letters to validate the claims and the following information was requested : 1. Agreement with the creditor that authorizes PRA to collect on this alleged debt 2. The ORIGINAL agreement bearing my signature stating that I have agreed to assume the debt and pay Portfolio Recovery 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that they are licensed to collect in my state ; and 7. License numbers and Registered Agent As a result, the company sent me the same exact paperwork THREE TIMES! In XXXX & XX/XX/XXXX. A letter stating " verification information ''. None of which was a single item from the seven items requested in total. As of today, it has not sent me the validation that I have requested under the provisions in the Fair Debt Collection Practice Act ( FDCPA ). It is apparent that they have overlooked or ignored my request. 

As a consumer I am protected from predatory collection tactics & have a right to request AND RECEIVE Validation of an alleged debt in a timely manner ( 15 USC 1692g Sec. 809 ( b ) ). This company has failed to provide the requested information and is in violation of the FCRA by continuing to report false information on my credit reports, thus hindering an accurate consumer credit file and score for me and my family. Please delete this account from all three credit reporting bureaus IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I XXXX XXXX have no other recourse but to file a complaint against a national bank for a complete fabrication against my excellent credit history. The copy of the returned overpayment check is complete vindication of my position. However, after several verbal complaints with Citizens Auto Finance, and a hard copy complaint with each respective credit reporting agency, Citizens Auto Finance still has refused to remove the {$360.00} default postings. I will submit my complaint in chronological order as follows : 1 ) Vehicle loan co-signed for my son XX/XX/XXXX with original balance of {$36000.00}. 
2 ) Payments began XX/XX/XXXX. 
3 ) Vehicle totaled in accident XX/XX/XXXX. 
4 ) Payments up to date for XX/XX/XXXX only. 
5 ) I had major comprehensive insurance plus gap insurance to cover all vehicle loss if necessary. 
6 ) Insurance claim posted immediately. 
7 ) Major insurance paid out almost 100 % of balance, except for gap portion of insurance. 
8 ) As of XX/XX/XXXX, all balances should have been posted as complete XXXX 
9 ) Citizens One received all payments from XXXX XXXX and XXXX XXXX XXXX. 
10 ) Last gap insurance payment posted was in XX/XX/XXXX for {$3800.00}. 
In XX/XX/XXXX Citizens Auto Finance posted a {$360.00} deficiency, that had nothing to do with a monthly payment schedule. After constructive receipt of any insurance claim, the governing body of legislation is no longer under the Fair Credit Reporting Act, with oversight from the Consumer Financial Protection Bureau. The governing legislation is the Fair Debt Collection Practices Act, https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text. 

11 ) Citizens Auto Finance was actually overpaid from the gap insurance {$270.00}. A copy of the overpayment is attached dated XX/XX/XXXX. 
12 ) Citizens Auto Finance has tarnished my credit without sufficient cause, and the federal mandated legislation protecting my credit status had been fulfilled once the payment history went from monthly payments into a debt collection status related to insurance coverage. 
13 ) Accordingly, I file a complaint against Citizens Auto Finance directly along with XXXX, XXXX  and XXXX XXXX respectively. It is a necessity of all credit subscribers with credit reporting agencies to protect the rights of consumers under FCRA, FACTA and FDCPA within legislative mandated guidelines. 
14 ) My rights have been overlooked by Citizens Auto Finance on this occasion. However, I realize that mistakes happen and this could all be looked at as a clerical problem, and if Citizens Auto Finance erases my negative credit history with each credit bureau quickly, I will consider the situation resolved without any further actions that could include legal measures. 
15 ) I XXXX XXXX request an immediate remedy from Citizens Auto Finance as quickly as possible. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out this solar panel loan with loanpal for {$21000.00} back in XXXX  @ a 2.99 % interst rate payment Iof {$100.00} per month. I have paid over {$3000.00} to date and the balance is still {$20000.00} What am I paying for? This is predatory lending and deceptive. 
I ask them to rewrite to loan and they say no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the XXXX Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my XXXX credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$170.00} Comments
Product: Mortgage

Bank of America represented to me a Trustee Sale at auction will be held on Friday, XXXX XXXX, XXXX at XXXX. This is untrue as no public auction will actually take place as represented. Bank of America has already sold any debt associated with my home and account in XXXX XXXX after having removed the cease and desist collection coding from the account on XXXX XXXX, XXXX. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory, including all statutory, exemplary, and punitive damages plus an addtional ten percent and an immediate reimbursement of all amounts applied and assessed to this mortgage account at a compounded daily interest rate of ten percent via cashier 's check not drawn on Bank of America or any of their affiates, or on a bank that does not conduct business within the state of California. Not only must Bank of America pay me back, to include mesne profits, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, TARP, MHA, HHF funds since XXXX. 

Damages are calculated as followsXXXX : STATUTORY : {$50000.00} for every household member, mesne profits, plus Median Property Value ( MPV ) and all amounts ever assessed on or associated with the real property and home loan mortgage account, personal property of at least {$300000.00} or actual value, whichever is greater, and all litigation costs. Household pets and livestock are an additional {$50000.00} each, plus ; EXEMPLARY : Payment of all property taxes and insurances for a minimum of fifty ( 50 ) years and three ( 3 ) times statutory damages, plus ; PUNITIVE : The statutory and exemplary damages for each instance of every cause of action listed, plus an additional 10 % of the total monetary damages ( statutory, exemplary, and punitive ). 

*Death claims are an additional trebling of calculated total damages for each instance. 

**Seniors and XXXX persons are entitled to any additional damages allowed by law for each eligible household member. 

***Next of kin may bring a private right of action provided there is first hand knowledge and next of kin status can be proven. First hand knowledge is assumed if next of kin was a member of the household. 

I did not default on Bank of America. 

Bank of America defaulted on me! 

Bank of America must stop themselves from defaulting on consumers of mortgage related products and services.
Product: Debt collection

I was contacted by XXXX XXXX from XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX Massachusetts XXXX ( XXXX ) XXXX ext XXXX on XX/XX/XXXX XXXX at XXXX which is my employer telephone number. 

I advised Ms XXXX that she conacted me at my employment number and she should stop contacting me at this number for the American Express Debt. My employer telephone is accessible to other co workers and the phone recorded. 

Ms XXXX contacted again on XX/XX/XXXX at XXXX and left a voice message in regards to debt. 

Ms XXXX contacted the third time on XX/XX/XXXX at XXXX in regards to this same debt at my employment number as tried to collect on this American Express Debt. Advised her again to stop contacting me at my employment telephone in regards to this debt and I will have an attorney contact her. 

My phone is monitored by my employer and all incoming calls are screened for customer effectiveness. I am afraid this call will be listened as a result. 

regards, XXXX XXXX
Product: Debt collection

Dispute XXXX  XXXX for {$750.00} on XXXX XXXX because the account was paid off and they just opened a new collection. Also I am being charged twice for medical bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted debt validate online on XXXX XXXX to XXXX XXXX  asking them to validate this debt. Or remove it from credit report. I don't feel like they validated it. The total was {$470.00}. And was contacted by a company called " LVNV Funding LLC. '' I have I idea who " LVNV Funding LLC '' is. I've made no contracts or agreements with them. 

XXXX XXXX Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, for approximately 3 years I have had a freeze on all of my credit reports. I have been able to unfreeze all of them except Trans Union. 

I have tried for the last 6 months to unfreeze my Trans Union credit report with no luck. When I sign into the Trans Union website and attempt to unfreeze it, the site says I am unable to unfreeze at this time. 

I have called the customer service line and used the help chat Trans Union offers to try and get help. I have provided the PIN number required to unfreeze my report. Each time the representative says my report is now unfrozen ; however creditors tell me it is still frozen and they are not able to see it to offer me credit terms. 

Each interaction I have had with a Trans Union representative is hard as there is a language barrier and their employees are hard to understand and don't speak English very clearly.

I am also very uncomfortable with people overseas and in other countries having access to my personal information, and being required to give my SS number and DOB over the phone to them when I have called in the past.
Product: Debt collection

in XXXX an account was opened with the company XXXX XXXX XXXX a loan company, and a loan of $ XXXX was taken out using my name, social security number, and date of birth. I was unaware of this account until XXXX of XXXX and since then have tried to dispute the account with XXXX to no avail. I have also contacted the debt collection agency, ( CREDIT CORP SOLUTIONS, IN ) that is now in charge of the account and they have only offered to reduce the balance owed forcing me to pay off a fraudulent account in order to have it removed from my credit report. 

Contact info for CREDIT CORP SOLUTIONS, IN Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit reporting or other personal consumer reports

Despite our prior correspondence and my persistent efforts, it appears that the issue has not yet been resolved. 

As I have emphasized before, the presence of these late open accounts on my credit file is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and ensure the accuracy and integrity of my credit report. 

I kindly request that you escalate this matter and undertake all necessary steps to correct the late open accounts in my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$15000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several old and inaccurate items from my credit report. This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be remove as soon as possible : 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: Debt collection

Equifax ... According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these alleged items from my credit report. XXXX  # XXXX, XXXX # XXXX, XXXX Account XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Mortgage

I contacted XXXX c/0 PHH Mortgage Services XXXX. XXXX XXXX XXXX  XXXX, NJ XXXX by phone regarding a letter I received from on XX/XX/XXXX that suggested they haven't received several mortgage payments since XXXX, XXXX. The person I spoke with was no help, but suggested I fax to them copies of certified checks that were mailed to them. This company has a history of mailing notices that my mortgage is delinquent when it isn't. I wrote to CFPB in XX/XX/XXXX to complain about these practices and the complaint was investigated, but here we go again. The person I spoke with at PHH stated that nothing can be done until they receive faxed copies of my payments. One of many questions I have about this continued nightmare is how is it fair practice to constantly badger me to send copies of checks they have cashed? I have been in my home since XXXX and badgered by one mortgage company after another that implied they weren't receiving payments. Before PHH it was Ocwen, before them was a trail of suspicious companies ; beginning 23 years ago I believe with XXXX, then in no particular order, XXXX XXXX, XXXX, XXXX XXXX and probably one or two others. My argument is this ; I make my mortgage payment on the first of each month and it is not a delinquent account. I am so sick of these people I don't know where else to turn.
Product: Debt collection

The Bureas reported to my XXXX, XXXX, and XXXX credit reports 2 collection accounts for XXXX XXXX in the amounts of {$600.00} and {$520.00}. The credit agency illegally placed this information on all three bureaus without sending me notification of the debts and the option to request validation and if validated to dispute. This illegal reporting has made a negative impact on my credit report. Also, the information to contact the lender is different on the credit reports. On the XXXX report the contact information for The Bureaus is XXXX XXXX XXXX XXXX, IL XXXX Phone number XXXX. On the XXXX report the address is XXXX XXXX XXXX XXXX XXXX XXXX, Is XXXX Phone number XXXX. Therefore making it difficult for me as a consumer to know which number and address is accurate to dispute or possibly settle.
Product: Credit reporting 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

It has recently come to my attention that an auto loan was opened in my name. A while back I received a letter from XXXX XXXX XXXX stating that I had a balance owned of {$8700.00}. This I have never had an auto loan with XXXX XXXX auto so this took me by surprise. The following info is all of the specifics of the fraud as appears on my credit report. 
Experian Credit Report # XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/2015 Balance : ( {$8700.00} ) I have since filed a report with the FTC and have attached it to this complaint. The FTC Identity theft report number is XXXX. 
I have provided a written statement on the Identity theft report and also attached a picture of my drivers license and tax documents for verification. I would like the CFPB to investigate and remove this fraudulent item.
Product: Credit card or prepaid card

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- ->>> XXXX XXXX for XXXX XXXX XXXX My XXXX XXXX XXXX. The last place my card was supposed to be sent was @ XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX I was unable to retieve the {$250.00} or {$200.00} dollar amt charge to my credit card at XXXX XXXX on XXXX XXXX XXXX. Since then, my card was stolen by my friend XXXX, XXXX. my old boyfriend. Along with my identity and my drivers license and now my ID DMV issed card. 
I am so frustrated. I have no idea where the child support payments are going to and can not even retrive a dispute letter from Goprogram.com that was last outsourced to XXXX! I think XXXX is absolutley a identity theft. And please report this along with any other account associated to me name. he also stole my Unemployment Card and my XXXX XXXX bank debot card and my XXXXXXXX XXXX cards, and my XXXX Cards. XXXX XXXX XXXX XXXX XXXX XXXX 
His current address and where I stay with him now stay is at XXXX XXXX XXXX, XXXX, XXXX please look into this thank you so much/
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I wanted to inform all parties that in the last XXXX ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and Disclosure, 623 A1 Responsibilities of the furnisher of information. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] FINAL NOTICE I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

Please delete the following inquires : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed the accounts multiple times with XXXX, Transunion and XXXX stating that the accounts are closed and the balances are paid which were included in a discharged bankruptcy over 10 yrs ago. and the accounts are still reporting negative on my credit reports i will like for the credit agencies to REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORTS.