23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Requested 3 times from this agency CFPB and TRANSUNION TO remove inaccurate information off of my credit report, XX/XX/2023, received a letter on XX/XX/2023 and it remains the same! Information is generated from TRANSUNION with no changes XXXX. 
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs. 

I did not give permission for my information to be sold or shared with anyone at all! 
REMOVE NOW OFF MY CREDIT REPORT YOU ARE IN VIOLATION AND THIS IS MY LAST WARNING BEFORE WE PUT A LIEN ON ALL THREE DEBTORS INCLUDING CFPB XXXX XXXX XXXX is copyright and trademark you are in violation in using this name! and fees do apply {$10000.00} per name and inquiry of my trust name! 

REMOVE AS I DID NOT GIVE PERMISSION remove all inquiries from this 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 remove all account review inquiries
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Payday loan, title loan, personal loan, or advance loan

OppFi, or Opportunity Financial, is nothing more than a Racketeering in Corrupt Organization masquerading as a legitimate lender. This predatory scum has been caught red-handed RENTING A BANK in blatant and criminal violation of both XXXX and Wire Fraud statutes. 

While engaging in this bank-renting scheme, they've duped tens of thousands into predatory payday loans with exorbitant interest rates far beyond legal limits. They cunningly conceal these outrageous rates within application fees, loan fees, and other illegal charges, all in direct violation of the Criminal Codes and Procedures of the US Government. 

Despite these well-documented offenses, OppFi has also flagrantly violated the FDCPA. They have harassed me relentlessly, " psycho-calling '' up to 5-6 times per hour, even after being explicitly told to cease and desist. They stooped so low as to send a police officer to pound on the door of my ex-girlfriends house in the early hours of the morning, all in pursuit of their ill-gotten gains. 

Every action they've taken is criminal under the law, and they must be stopped and imprisoned. This includes every individual involved in this vile organization, not least their unscrupulous attorney, XXXX XXXX at XXXX XXXX, XXXX. They are all complicit and should face the full wrath of the justice system.
Product: Debt collection

After reviewing my credit report I noticed some discrepancies. The discrepancies are being reported by Armada Corp collection company. They are reporting multiple medical collection accounts from " The XXXX XXXX ''. I have never received a dunning letter from Armada Corp. On XXXX I requested Armada Crop to validate the debt as I legally have that right as a consumer. They did not respond until XXXX and I received their response on XXXX stating I have 7 days to respond to them and provide payment!!! I have never signed a HIPPA release form with The XXXX XXXX. Armada Corp is also illegally charging interest on the alleged medical debt. I live in Florida and Armada Corp is located in XXXX, WA. Armada Corp is not a licensed collection company in the state of Florida. Armada Corp also has violated FDCPA by not changing the account status on my credit report reflecting the current accounts are under dispute.
Product: Debt collection

A DEBT THAT PREVIOSLY WAS DELETED  FROM XXXX  BECAUSE ITS NOT MINES WAS THEN SOLD TO LVNV FUNDING LLC THATS NOT MINE! XXXX LAW S ARE BEING BROKEN 15-1681 (I) (A) (c) (f) -  15-1681 (s)2 (b) - 15-1681 (B)! I SPOKE TO THIS COMPANY  ASKING FOR ORIGINAL VERIFICATION OF DEBT THEY REFUSED ! THIS IS A DIRECT VIOLATION OF THE LAW! IM PREPARED FOR LITIGATION IF THIS ISNT SOLVED! ALSO COMPANY SENDING MAIL FROM XXXX XXXX XXXX XXXX XXXX. WHEN IT ISN'T LOCATED THERE THIS IS FRAUD AND ITS WRONG!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding an unresolved fraudulent account that continues to appear on my credit report. Despite previous disputes and the submission of extensive supporting documentation, this fraudulent account remains unresolved, negatively impacting my creditworthiness and financial well-being. I request your immediate attention to this matter to rectify the situation promptly. 
Account Details : XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased a XXXX XXXX for 36 months. I had no issues with the car until it came time to return the car. On XX/XX/2018 I returned the car to BMW. I knew I would have to pay for the key I lost and probably the disposition fee.I was waiting and waiting for the final bill, it never came. Sometime in XXXX I went online, and to my surprise there was an addition charge of {$600.00} for a windshield crack ( because BMW says the windshield has to be replaced not repaired ). I contacted the sales person who leased the car to me, he told me he would look into it for me, that was XX/XX/2018. I DIDN'T HEAR anything from BMW or the sales person after that. Sometime in the first week of XX/XX/2018, I received a call from XXXX XXXX XXXX XXXX, they stated I had an outstanding balance of over {$1000.00}. I was confused and annoyed because I never received any phone call or letter from the sales person or a BMW representative about the bill being final or reduced. Now I have XXXX XXXX calling me and telling me they will not except a small payment. I can only pay half of the bill at a time or the whole bill. I do not feel like I am being treated as a valued customer because the bill was sent to collection before 90 days, I wasn't contacted, and they won't even take a small payment.
Product: Debt collection

In XXXX I received a bill from XXXX for an account that I did not create. The day that I received the bill I called customer support and advised them this was fraud, they placed an alert on the account and told me I had to go into a location. I did so, and the representative submitted a fraud form. I asked him for further information on the account including a call history and where the calls were placed from, they would not provide this information ; the only information that he would give me is the other name on the account ( XXXX XXXX ) I do not know this person and that the account was created at a XXXX XXXX and calls were made to the XXXX XXXX. He advised me that I would be all set with the fraud form and someone will call me in a week or so. No call ever came. I received another bill in XXXX, and again I call customer support and advise them of the account being fraud and the person I spoke with adv. me to go into the location and that they would call me back later that day to follow up, I went into the location and spoke to the same representative as the first time, who adv. me that my previous fraud claim was denied as the charges were valid. The calls were made on the account but I did not create this account, have access to it before receiving the bill, nor make any calls on the account. He submitted another fraud form and asked that someone from the fraud dept. call me. Not only did I not receive a call back from customer support, I received a call from XXXX but when I picked up they hung up twice. I again asked for information on the account, they would not provide anything. Even after disputing this account from the day I received the first bill, this account was sent to collections on XX/XX/XXXX and can now possibly affect my credit if I do not pay this bill. This is essentially extortion because if I do not pay, then my very good credit will be affected negatively. They have not allowed me to prove that I did not create this account and have not provided me with any information in regards to this account. It was not until I spoke with the collection agency that I was told that my social security number was on the account ( Without my knowledge or my authorization ), they also mentioned a police report needed to be filed along with the fraud form. This was done and all the necessary information has been submitted with the fraud form on XX/XX/XXXX, I have yet to hear back on this. XXXX, did not provide me with either of those bits of information. They did not provide me with any opportunity to try to prove I did not create this account nor give me any necessary information to try to get tot he bottom of how this account was created and by whom.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports at the beginning of XX/XX/2023. There were several credit inquiries that I do not recognize nor did I authorize for my credit to be pulled. I submitted disputes to all 3 credit bureaus and as a result I have a 1 year fraud alert on my profiles. XXXX was able to assist me in removing these fraudulent inquiries. However, XXXX and XXXX require me to submit this report online and to file a police report as well. 
The inquiries that are showing that are not mine are : 1 ) XXXX XXXX XXXX XXXX and was requested on XXXX - No knowledge of this inquiry 2 ) XXXX XXXX XXXX and was requested on XXXX, XXXX, XXXX - Credit pulled without my consent 3 ) XXXX was requested on XXXX - I do not recognize this whatsoever 4 ) American Express was requested on XXXX - I had no knowledge of this inquiry 5 ) XXXX XXXX was requested on XXXX - I had no knowledge of this inquiry I have contacted the companies in question during the month of XX/XX/2023. None were helpful at trying to resolve my issue. They would take my information down and then I would be hung up on.
Product: Student loan

Due to poor customer service at Mohela, I'm unable to have my application for XXXX processed. In XXXX or XXXX XXXX  XXXX  I submitted an application for XXXX to XXXX XXXX. I received a letter in XXXXXXXX XXXX XXXX  informing me that my application was received and would be sent to Mohela for further processing. I then spent the last several months trying to get in touch with someone at Mohela. However you can't send them a message without an account, so I created an account and sent a message. Unfortunately, I never received a response to my issue, only a generic response about the XXXX program. I also tried for months to contact Mohela by phone, but was never able to wait the time required to speak to their customer service representatives. I finally was able to speak with someone today. They informed me that my application was approved, and that they were waiting on my loans to transfer. I was able to confirm with my loan servicer, XXXX, that a request to have my loans transferred to Mohela was never received. I asked XXXX if I could have the funds transferred, and I was informed only Mohela could do so. I told Mohela today that XXXX never received the request for transfer of my funds. I asked Mohela to re-submit the request. After an hour plus wait, they informed me that they could not. I asked to speak to a supervisor and after an hour and a half of waiting, have still not been able to speak to anyone. I do not understand why they can not re-submit a request for the transfer, am at a loss as to how to resolve the issue, and am deeply frustrated with their poor customer service.
Product: Mortgage

I have been working with Ditech to complete a loan modification since XXXX of XXXX. Since then, we have been calling in to get status updates weekly. Since XXXX of XXXX we call in and we are advised that " the file is in review ''. When we finally called back on XXXX XXXX, XXXX, we spoke with XXXX in their Loss Mitigation department and he looked deeper into the status of the account. At that time, he noticed that the file had never been submitted over to the Loss Mitigation department and the department I had been talking to was the Collections department. He advised that they are not even supposed to be providing status since they are not able to view the same notes. I have now wasted months with inaccurate information. XXXX did advise that he was going to have the file escalated to a Supervisor immediately and I would get a call within 48 hours. Today when I called, they advised that there had been no response to the escalation after being hung up on twice. At this point, I feel like I may lose my home due to their negligence. I need your help in stepping in. Please, i do not want to lose my home.
Product: Credit reporting or other personal consumer reports

XXXX, transunion, and XXXX keeps reporting this account.
Product: Money transfer, virtual currency, or money service

My complaint is with Bank of America. On XX/XX/2022 and XX/XX/2022, I attempted to send a wire transfer to my client who has a business account at Bank of America. The routing number and account number were reversed but the client 's full name and address was on the transfer. Bank of America rejected the funds and returned them to my XXXX account minus a {$45.00} fee each time. I spent a minimum of 8 hours trying to reach a representative through customer service and the wire transfer department only to be told by the 10th individual I spoke to that they charge a {$45.00} fee whenever a wire is being rejected. The reason that appeared on my bank statement is that " beneficiary could not be authenticated. '' Her full name and address were provided on the transfer, as you will see on the attached documentation and it was summarily rejected. This is a predatory practice and what is even worse, a supervisor at Bank of America told me the bank is NOT AUTHORIZED to take funds from a customer that is not with the bank. They not only lied about the practice but also told me that I should check with my bank, XXXX, as they were the ones who most likely took the fee and didn't tell me. I am out {$90.00} when the bank had the name of the recipient the whole time and said they could not authenticate the intended beneficiary. Bad practice, awful customer service and terrible, deceptive banking. If they are going to charge those fees, which are predatory, they should be transparent about the practice and are not.
Product: Debt collection

The debt of {$480.00} is due to a partial amount of a vet bill I disputed with XXXX and got credit for it. XXXX a hospital I took my dog twice when he fell severely ill and yet on day 1 XXXX hand me a XXXX bill saying everything is fine, day 3 I go back since my dog had no improvement and hasnt eaten in days. They prescribe appetite stimulant and hand me a {$700.00} bill. I put some on my debt card and some on cc. Months go by and XXXX kept sending emails saying I owe them. Trying to avoid any further aggravation and frustration I send an email offering to settle with a payment plan. XXXX says they no longer how the debt. An agency doesnt and they share tudo contact with me. I called some day on XX/XX/XXXX disputing the charge verbally. XX/XX/XXXX I send them an email letting them k pq I still have not received any documentation and I was heading out of town for XXXXXXXX XXXX for the holidays. As planned I left on the XX/XX/XXXX and had not received anything from them. 

Again I reach out to medvet offering to pay on a payment plan basis and told no they could only take full payment. When I told XXXX and associates that bought a bad debt since I had disputed and won. They told me they didnt buy the debt. They are acting ok XXXX behalf. 

Im so frustrated to have to be dealing with unprofessional people who didnt care for my dog but their pockets. When trying to pay and put this behind i am pushed different directions. 

I disputed this charge because on day 4 of XXXX XXXX XXXX I take him to another clinic. He gets XXXX and on XXXX right away. XXXX only collect money and delay my dogs treatment. Thats shouldnt be in business. 
The discharge papers came a day after. 
They called asking what time my dog ate chocolate. They kept my dog for XXXX hours because whoever was supposed to pass my message fo go ahead and do the exams forgot and didnt occur to them to ring my phone. When I called they have the nerve to say they were waiting for my call. 

I tried to simplify as much I could. 
My apologies.
Product: Credit reporting

RE : Fair Credit Reporting Act and Dispute with XXXX Account No. XXXXDear Federal Trade Commission, The brief Summary of my case is mentioned below for your review and resolution:1. I have discussed this Billing case with XXXX XXXX dept. and was advised by the consultant to send the details of this case to them and XXXX will send the corrected credit data to the credit Bureaus. But I have not received any response from XXXX yet ; in spite of many phone calls & reminders. 
2. I switched my Phone/internet service to XXXX after informing previous carrier XXXX in late XXXX XXXX Associate told me that I will have to pay early termination fees & estimated amount was not available with them in XXXX XX/XX/XXXX.I was informed that Bill will be mailed to me soon which should be paid on receipt. But I NEVER received any Bill/Statement from XXXX in next three months.Then I have to travel XXXX for 4 weeks in late XXXX to see my very sick sister.I have paid the full Bill of {$200.00} on my return XXXX and which has also been confirmed by XXXX. 
3.However, in the meantime XXXX has reported to Credit Bureaus ( & without first sending me the Bill ) that I am delinquent on their payment.I am not listed on their Online Billing protocol so I have to receive paper bill.Verizon did not call me and or e-mailed about this bill. Therefore this action on part of XXXX is NOT justified and legal under " Fair Cerdit Reporting Act '', Section 15 USC XXXX as this Act directs all Institutions and corporations to make sure to send only accurate and fully credible reports to Credit bureaus after fullfilling all standard billing requirements. 
4. I have called XXXX many times and discussed this issue with XXXX XXXX dept. and also with Billing section with XXXX XXXX and XXXX XXXX on XX/XX/XXXX.XXXX I have not received the copy of Bill ( if it was mailed to me ) and or any explanation about this misreporting on about my Credit. 
I will appreciate it if you wil take up this issue with XXXX and resolve it as early as possible.If you have any questions, please feel free to call me at XXXX or e-mail your questions at XXXXXXXXXXXX. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX MD XXXX
Product: Debt collection

I filed a complaint on this debt previously, but now it has apparently been re-sold to another debt collector. My prior case numbers are XXXX and XXXX - XXXX was against the original lender XXXX, the other against XXXX. I disputed both XXXX and XXXX responses, but never heard anything back, until another company, Kirkland Asset Management provided me a letter yesterday ( after I received a misleading telephone call from a Nevada telephone number ) stating that they " were in receipt of a delinquent claim on your behalf '' from XXXX. As stated in my previous complaints, this debt is not valid and is unlawful and uncollectible under Nevada law, as XXXX has or had no license to lend in Nevada and therefore is/was conducting business in Nevada without a Nevada license. 

Secondly, this new debt collector, Kirkland Asset Management, is using deceptive and unlawful tactics. Someone named XXXX XXXX ( sp? ) contacted me XXXX on my cell phone and XXXX at my work phone, despite the fact that I have previously provided cease and desist letters to both XXXX and XXXX stating that all contacts must be made to my cellphone ( NOT my office phone ) or in writing to my email address. XXXX XXXX did not state the name of his company. He only stated he was contacting me regarding a scheduled delivery for " this evening '' and that I should be available with an id. First he said delivery would be that evening then he said by Friday. He also stated " that no questions were available '' and to contact the sender directly at XXXX XXXX XXXX, ref. # XXXX, and that if necessary, they would make a scheduled delivery to me at work. When I contacted the XXXX XXXX XXXX number, I found out that it was Kirkland Asset Management, and when I asked about the nature of the delivery, the representative would not tell me the nature of the delivery, but then stated that they were trying to collect on a " debt '' I owed to XXXX. I was also told they would take legal action if necessary. The representative then said she would email me something so I could work out arrangements on the debt. ( attached ).