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

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have incorrect information reporting to my credit and it is preventing me from purchasing a home for my family through Bank XXXX XXXX. Ive reached out to these companies several times and have explain to them that this is not my debt And they have failed several times to give me proof. On top of that My insurance premium is going up because of these collections and they are saying is mine luckily I still have my job and I havent missed out on any opportunities because of my credit score however it is harder for me to rent an apartment and that is the main reason why Im looking to get home. The deposit that I have to pay for my utilities as well as Internet is outrageous all because they are going based off my credit. At this point I dont feel like I can build wealth in America or even retire because of the falsely accused collections that are on my credit report. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Product: Mortgage

On XXXX XXXX I contacted XXXX XXXX XXXX Shellpoint Mortgage Servicing. I told him my issues. I am in the mortgage industry and obviously things have been tough on a lot of us. I was not yet 30 days behind and I wanted to get out of front of this issue and see what options are available. I have done several modifications in the past through XXXX after the Housing crash of 2009. I was told immediately that I should be eligible for a loan forbearance until my position improved. I trusted this person. He was nice at first and very reassuring. Then after I uploaded all of my documents it was one delay after another. They kept asking for more information. I would immediately send it in and I would not hear from D Gamble for days. I called over 50 times over the last 2 months and he never once answered his phone. About every 3-5 days he would send me a quick email telling he is waiting on underwriting. It's been 60 days. I have not made a payment and now they tell me that I have NO options days before my loan is 3 payments behind. They told me I would be approved for a forbearance or that it would be approved. Ultimately, I was out of options, but XXXX does not have a cap on mods. They knew all along that I would not be approved, had all of my previous loan history yet strung me along so they could ultimately try and foreclose on my family. They are playing games with people 's lives. If they told me no in the first week I could have gone in a different direction. Now my options are limited to noneXXXX XXXX XXXX  is a poor representation of the company and should not be on the front lines of an industry that needs all the good help it can get. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enter into A contract with American Credit Acceptance on XXXX XXXX. After going over my contract and the federal laws, I know now that is fraud on the contract. I have sent American Credit Acceptance a right to recession letter on XXXX XXXX. I also sent them an debt validation and a cease and desist letter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts from all 3 credit bureaus, report on XX/XX/2024, below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willingly conspired to deprive me of human rights under color of law title 18 usc 241/242, while committing securities fraud. 

Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACT : 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. FACT : 15 USC 1681 c. ( 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 crime which antedates the report by more than seven years FACT : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( See Attachments ) DEBT SUMMARY Credit card and credit line debt : XXXX : {$0.00} Equifax : {$0.00} XXXX : {$0.00} Loan Debt : XXXX : {$180000.00} Equifax : {$36000.00} XXXX : {$180000.00} Collections Debt : XXXX : {$730.00} Equifax : {$730.00} XXXX : {$730.00} XXXX XXXX XXXX : {$180000.00} Equifax : {$36.00}, XXXX XXXX : {$180000.00} Open Accounts XXXX : XXXX Equifax : XXXX XXXX XXXX Accounts never late : XXXX : XXXX Equifax : XXXX XXXX : XXXX Closed Accounts : XXXX : XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX : XXXX XXXX Account Age XXXX : XXXX yrs 11 months Equifax : XXXX yrs 10 months XXXX : XXXX yrs 9 months Oldest Account XXXX : XXXX yrs 7 months Equifax : XXXX yrs 7 months XXXX : XXXX yrs 11 months FACT : ( XXXX ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly : ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio Services hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. Consumer Portfolio continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called Consumer Portfolio, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with 3 people at Consumer Portfolio and 1 person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at Consumer Portfolio responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all 3 bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.
Product: Debt collection

The company then sent me information about trying to collect a debt from me but they didn't provide the proper validation to prove that i owe a debt to the company Even though they provide me a statement according to law that 15 usc 1692 g that still doesn't suffice that the debt was mine only an assumption also they are in violation of 15 Usc 1692g because they never sent this information within 5 days of initial communication. Also they are in violation 15 usc 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collectors are also violating 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The Debt collector also contacted me at an time of inconvenience. According to 15 usc code 1692c at ANY unusual time or place or a time or place known or which should be known to be inconvenient to the CONSUMER. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; On the attachments i provide proof of each violation by highlighting
Product: Payday loan, title loan, or personal loan

I have been working with the company XXXX XXXX XXXX since XX/XX/XXXX and have been making payments to them for help in repaying XXXX XXXX XXXX at a lower cost. 

On XX/XX/XXXX, a Cease and Desist letter was sent to XXXX XXXX on my behalf. I have attached the communication. 

After the letter was sent, I would receive emails from XXXX XXXX but no other communication. 

Around XXXX of XXXX, I started getting nonstop calls from XXXX XXXX requiring I contact them. They have also contacted my workplace, along with friends and family, repeatedly. 

On Monday, XXXX XXXX XXXX XXXX XXXX  sent a Notice of Legal Recourse to XXXX XXXX. 

As of today, XX/XX/XXXX, I am still receiving multiple phone calls. 

I am working with XXXX XXXX XXXX  to reduce the debt I owe and make sure that I am repaying what is owed. Harassing phone calls will not make me get money any faster it may cause me to lose my job and wages.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. In acordance 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. 

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  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. I also asked for the original contract to be provided and it was not. 

According to the Fair Credit Reporting Act ( FCRA ) Sectio

n 605B It is illegal to report information on my credit report without my permission. I have not supplied proof under the doctrine of estopple by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Checking or savings account

at branch # XXXX XXXX on XX/XX/23 at XXXX, I was directed to deposit {$2400.00} cash into a customer account. against policy, the teller took the {$2400.00} cash and deposited it. 
on XX/XX/23 I visited a different branch and was advised to follow up at the branch and teller completing the deposit. 
I was told by the customer that my deposit was cancelled on the 5th day and i could take my receipt to the teller for a return of funds. 
I returned to the original teller, was advised to talk to their customer to get my money back but I got no response over 4 days. 
Today I made a final plea for the bank to return the funds that their customer fraudulently accepted and that the teller ignored the banks policy on accepting cash deposits from non- customers- creating an issue that allowed their customer to scan {$2400.00} for rent on an apartment that didn't exist. 
While I appreciate the compassion of the teller, this transaction set the stage for me to be scammed of {$2400.00} - and that the bank and/or customer should return the cash to its owner.
Product: Debt collection

Midland Credit Management ( MCM ) which is known as a SPAM caller has called by phone daily from different numbers which are the following... 

( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX  ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX
Product: Credit card or prepaid card

I have an account with Care Credit. I have always paid more than the minimum payment due. Recently I came out of the grace period for no interest charges. Since this happened I am paying {$50.00} in interest each month. Only half of my monthly payment is going towards the principle of what I owe. I am on Social Security with a fixed income. I can not afford to pay this much in interest each month. I called Care Credit and asked was their something I could do and they told me to make higher payments each month which is not possible. I ca n't afford what I am paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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: 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 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  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: Credit reporting or other personal consumer reports

Subject : Hardship Letter and Dispute for Unauthorized Accounts XXXX XXXX XXXX XX/XX/2024 Capital XXXX Dear Sir/Madam, I, XXXX XXXX XXXX am writing this letter to address a matter of utmost importance regarding unauthorized accounts opened in my name. Due to a recent XXXX that has left me suffering from aphasia, I am unable to communicate verbally and can only correspond in writing, preferably through email at XXXX or by postal mail. 

In accordance with your instructions, I have filed an FTC complaint with the reference number # XXXX. I am seeking your immediate assistance in removing my information from XXXX XXXX records, as I did not authorize the opening of the following accounts : XXXX. Account Number : # XXXX XXXX. Account Number : # XXXX ( XXXX XXXX ) Of particular concern is the business card account, as I am not aware of any company associated with it. These accounts are currently in collections, compelling me to consider the unfortunate option of bankruptcy. 

I believe my identity was compromised while I was employed at XXXX Hospitals and XXXX have been used by individuals named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I kindly request a thorough investigation into this matter. 

For further communication, please reach me via the provided email or postal mail address. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX on XX/XX/2020 to apply for a credit card and they refused me. I ordered my free credit report at XXXX.XXXX  to see what was the reason. It was because I had some negative accounts that I don't even know what they are for or why they are in my credit. I asked my wife if she had added these accounts, but none of these accounts are hers or even has them on her 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 ) these accounts listed do not relate to any transactions that I have made. These accounts are in my credit because of identity theft and I need these accounts to please be removed because they are not mine. I filed a police report with XXXX XXXX Police. i have never applied for the credit cards or credit and i have not ever used there services, cash or merchandise
Product: Debt collection

I have no knowledge of the debt. Requested original copy of bill and was emailed a generated copy that any one can make up on a computer. asked to for them to send an original copy with my signature on it. and they could not provided what I asked for.   XXXX   is in violation of HIPPA privacy.
Product: Debt collection

I recently purchased a copy of my XXXX credit report and notice that CONVERGENT OUTSOURCING INC is reporting negative information without giving me the right to dispute. I had moved from the address but I had my mail put on hold until I recieved my approval letter for my deed in lieu, after I recieved my approval I changed my address to my new address.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed. 


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! 


Delete the late payments from my consumer reports
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 accounts 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
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my TransUnion Credit Report from XXXX and XXXX XXXX XXXX XXXX I did not authorize or consent to running my credit report. 

I have XXXX inquiries on my XXXX Credit Report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX not XXXX or consent to running my credit report.