23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I keep getting called about a debt for somebody else but they have been calling me everyday for years. Sequium asset solution is the company they say they are located in Georgia. I keep telling them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI bank forcing paperless billing without consent. 
Did not get a paper bill for XXXX then again XXXX. Card was then shut off until I called them then sent check for entire balance XXXX {$2000.00} I paid {$25.00} fee {$20.00} interest for XXXX statement then paid {$39.00} fee {$31.00} interest XXXX statement. Was told no refund then it is on my credit report. I would like it expunged from my record and Citi need not turn accounts into paperless at there will will they acquire your e-mail address. I ordered a new card online prior to this and they signed me up for paperless automatically. I did NOT approve they say I did. 
No one pays a bill they do not receive. I am positive this has happened to many others. I believe the interest and fees they charge under these circumstances are fraudulent
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries was made without my knowledge or consent, and I request it's immediate removal from my credit file. 

Inquiry Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent several letters to National Credit Systems on XX/XX/2022, XXXX XXXX by certified mail still havent received a response from them to validate the debt of {$1800.00}.
Product: Mortgage

From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : ( XXXX ) XXXX : XXXXPHH Mortgage Corporation Loan Number : XXXX : Consumer Financial Protection BureauRegarding : XXXX XXXX XXXX XXXX XXXX ) PHH send me a letter dated XXXX/XXXX/2015, stating that I was not eligible for a Homeowners Assistance Program, and that you are the " owner of your mortgage loan : XXXX XXXX XXXX XXXX XXXX ''. 
2 ) Your customer service department stated you are not he owner of my loan. 
3 ) A Notice of Trustee 's Sale was posted on my front door for a sale date set for XXXX/XXXX/2015, stating that are a Trustee for XXXX XXXX Mortgage. 
4 ) A Notice of Trustee 's Sale was posted on my front door for a sale date set for XXXX/XXXX/2015, stating that are a Trustee for XXXX XXXX Mortgage. 

I 'm requesting of you to provide me under the California Homeowners Bill of Rights, Mortgage in General-California Civil Codes : 2923.55 and 2923.6 and 2923.7 and 2924.9 and 2924.17 and all other Civil Codes that applies. 

Copy of the Note The Recorded Name on the Deed of Trust Any Assignment Notice of Trustee 's Sale for XXXX/XXXX/2015 and XXXX/XXXX/2015 All Evidence Required to Demonstrate the Right to Foreclose The letter Fair Debt Collection Practice Act ( FDCPA ) The Wet Signature because of Robo Signing Explain Securitized Loan Explain Mortgage Electronic Registration System ( MERS ) Explain XXXX XXXX XXXX Explain XXXX Explain XXXX XXXX XXXX XXXX of XXXX pages
Product: Credit reporting or other personal consumer reports

XXXX XXXXThe late payments reported on my account are incorrect and violate 15 U.S.C. 1666b, which protects consumers from unfair billing practices. I did not receive the required billing statement in time to make the payment, making the late fees and reporting unjustified. I demand the immediate removal of these late payments from my credit report. Failure to correct this error will lead to further action to enforce my rights under federal law. 

XXXX XXXX  XXXXThis charge off reported on my account is inaccurate and violates 15 U.S.C. 1681s-2, which mandates that furnishers of information must provide accurate data to credit reporting agencies. This charge-off is erroneous and does not reflect my payment history. I demand its immediate deletion from my credit report. Failure to remove this incorrect information will result in further action to enforce my rights under the Fair Credit Reporting Act. 

XXXX XXXX XXXXXXXX XXXXThis charge off reported on my account is inaccurate and violates 15 U.S.C. 1681s-2, which mandates that furnishers of information must provide accurate data to credit reporting agencies. This charge-off is erroneous and does not reflect my payment history. I demand its immediate deletion from my credit report. Failure to remove this incorrect information will result in further action to enforce my rights under the Fair Credit Reporting Act. 

I expect these accounts to be deleted from my credit report without delay. Please provide written confirmation that these accounts are deleted within 4 days of receiving this letter. 

I am also sending copies of this dispute to the following agencies and organizations to ensure that your non-compliance is brought to their attention : Consumer Financial Protection Bureau ( CFPB ) Office of the Attorney General Federal Trade Commission ( FTC ) Department of Financial and Professional Regulation Department of Banking and Finance Office of Thrift Supervision XXXX XXXX XXXX XXXX XXXX XXXX  Advocates for Fair Credit Reporting Illinois Department XXXX XXXX and Professional Regulation XXXX XXXX
Product: Credit reporting or other personal consumer reports

The FCRA requires that Trans Union respond to all complaints in a timely manner : the allowed time for responding to this complaint expired XX/XX/2023. Allowing 45 days, gives Trans Union fifteen more days. Trans Union is currently in violation and continuing to violate the FDCPA, for they have already responded by sending me identical credit report dated XX/XX/2023 without addressing the complaint of XX/XX/XXXX. Trans Union is imposing a date on me that is a violation of the FDCPA dictates. Ill give them 15 daysno more. Any response made after 45 days from the date of my complaint will not be valid for me and all consumers. Allowing Trans Union 90 days is a violation of the FCRA. Therefore, I am reporting to FTC, CFPB, a violation currently occurring. The following statement was Trans Union 's response after not responding to the consumer 's complaint : We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 

XXXX
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XX/XX/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 XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act*, my rights have been violated and I continue to financially, mentally and physically suffer due to these violations as well. Every violation was taken from XX/XX/2022 Credit Reports furnished by XXXX, Equifax and/or XXXX, post several attempts to have removed directly. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX AND/OR XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX ***, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXX XXXX, XXXX did not authorize XXXX inquiry XXXX XXXX, XXXX did not authorize XXXX inquiries XXXX XXXX, XXXX and XXXX XXXX, XXXX did not authorize Cap XXXX inquiries XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX did not authorize Ccb/ppc inquiry XXXX XXXX, XXXX did not authorize XXXX XXXX - XXXX XXXX, XXXX inquiry was not authorized XXXX XXXX XXXX XXXX, XXXX did not authorize
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$1000.00XXXX XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX Balance Owed : {$17000.00}
Product: Vehicle loan or lease

I just wanted to retrieve my personal property out of the repossessed vehicle. The tow company XXXX XXXX XXXX said that Total Auto finance has a contract with them that states the borrower must pay {$75.00} to get their personal belongings. I was advised by an attorney that I should have been able to get my items at no cost. Both companies refused to let me get my items. I drove over an XXXX XXXX hours to the tow lot just to be told that Total Auto Finance claims they have no knowledge of the policy and the two company saying they can not let me retrieve my items even though I brought the key and my ID upon arrival.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX Today 's Date is XXXX XXXX My Experian Report Number : XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also I Called Experian Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful Ive Attempted Several Times In The Past To Solve This Incorrect Info With Experian XXXX All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Experian..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX ... .... 
XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ) XXXX XXXX XX/XX/XXXX I Even Called Experian Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Experian Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
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. 

List of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2019, I was contacted by Enhanced Recovery Company regarding a debt from XXXX  of {$740.00}. I asked the representative to provide me with an address that service was established and an account number.The representative could not provide me with this information. I informed the representative that this was not my debt and questioned how can they report something on my credit file that they do not have all the information about. She instructed me to go to XXXX ID Theft and fill out a fraud affidavit, on such affidavit, it requests information like, an account number and proof of residency during the time the account was established. 
I contacted ERC again, to inform them that I couldn't successfully fill out an affidavit without that information and they told me that i had to pay the debt even if its not mines to get this removed off my credit file. I did send a request that they validate this debt as mines and provide me with relevant information and have not received any information from the company to support my request.
Product: Credit card

I have a financial situation where I had to use my lines of credit on my credit card. 
We had to use those credit lines for a long time and pay the minimum for some time with some delays. Through time we have reduced all the credit card debt but the reduction of the credit card limit and high utilization of my credit has impacted my credit score. A couple of months ago wrote to the CEOs from XXXX XXXX, XXXX and XXXX which are my main credit cards and explained the situation that need to increase my line of credit to stop the high utilization of my credit line. I explain to them the situation and ask them to do something about my credit limit. I have between the three companies a Line of credit of around XXXX USD including some others and now I have only XXXX XXXX between the three. All this has impacted my credit score. I have never defaulted or filed for bankruptcy. I have paid every penny owed to all the credit card companies and banks but their justification is the use for a long time of the line of credit.

I find this unacceptable since they have all the lines of credit I have during my whole credit card history and they have received all their money. I would expect the credit card companies to recognize they have received all their money and at least restore half of my previous line of credit to reduce to acceptable levels of credit line utilization and increase my credit score to normal levels.

I want the credit card companies to help me reduce my high usage credit utilization to restore my credit score to good.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX stopped sending me statements since XXXX or XX/XX/ for reason unknown to me. I did not change my address or made such report. Sometime in XX/XX/ I tried to contact their customer service on two different occasions and gotten no where. I was concerned because I have been a victim of identity theft and thought maybe someone got a hold of my information. I like to mention that I have another Citi Card account where I receive my statements every month and I don't understand why the XXXX affiliate stopped sending me the statements. 
Now, all of a sudden they started sending me the statement only with a substantially higher amount than what I believe my balance should be and ruined my credit report. When I was receiving the statements, I have been paying consistently with no delayed payments. I stopped paying when they stopped sending me the statements because I do not know what the current bill was and the amount due each month. 
They are now harassing me with collection agency and, to my scare, I do not know how they gotten hold of my children 's phone numbers, they have been calling them and leaving messages chasing for me. 
If I owe something, I honor my debt, I just don't understand why they are doing this. 
They are now telling me that I owe {$6900.00} and to pay the total amount, which I can not afford.They also have placed a negative report on my credit report. I disagree with the amount and their unfair practice.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me as 30 days past due on the XXXX account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Money transfer, virtual currency, or money service

I received an email stating that Im no longer able to use paypal or its services. They put my money on hold for 180 days for reasons they could not explain and that I have to wait 180 days. Ive used this service for many years and this is the first time Ive ever had to experience this all because my significant other sent me money that they owed me. They completely blocked my account and Im unable to even transfer my money to my bank. I have not violated any of their agreement terms so Im not understanding why I am no longer able to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND TRANSUION ARE REPORTING INACCURATE INMFORMATION ON MY CREDIT. THEY KEPT ON PUTTING THIS ON MY CREDIT. I JUST WANT THIS ITEM DETLETD OFF MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto Finance has acted in bad faith and has been unjustly enriched because of coercion and undue influence. 

They have failed to provide me any valid proof of indebtedness nor proof that they sent me ANY disclosures required by federal law. 

Your company is violating federal law by knowingly furnishing false credit information without clarifying the billing error. It is impossible to be late on an extension of credit. 

I DID NOT AND DO NOT consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and my Right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v Union of India 2017. 

The consumer credit transaction included a " finance charge '' which under federal law is the sum of all charges in a " credit sale ''. 

Box XXXX on their " agreement '' specifically says, " You don't have to pay the finance charge or other amounts that are more than the law allows. This provision prevails over all other parts of this contract and all other acts ". COMPLY WITH YOUR OWN AGREEMENT PROVISIONS. I want to know what law TD Auto Finance is operating under to coerce $ XXXX from me to get my property back that they stole from me when they said I don't have to pay the finance charge? 

Your company stole my property because of your omission of known facts, false and misleading representations made to me, furnishing false credit information, failure to provide me proper disclosures under the Truth In Lending Act regarding the financed sale, and collections of an extension of credit by extortionate means, constituting a pattern of racketeering activity between TD Auto Finance, XXXX XXXX, XXXX, XXXX, XXXX, and any other Consumer Reporting Agency you do business with. 

This is my explicit notice that I DO NOT want to and DO NOT AGREE TO pay the finance charge or any other amounts. 

This is my official disaffirmation of the unconsciousable contract they coerced me into. 
I do not consent to your collection of my extension of credit by extortionate means. 

This is my official notice of " rescission '' of the contract of adhesion since TD Auto Finance deprived me of the opportunity to rescind earlier with proper rescission forms. 

This is my official " opt out '' of having negative information reported to my consumer reports since TD Auto Finance deprived me of proper " opt out '' forms ''. 

Refer to attachment of TD 's response to my first CFPB complaint against them where XXXX includes a copy of the " agreement '' and refer to XXXX XXXX of their agreement where it clearly states that provision prevails over all other parts.