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

This is my fourth 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 alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$73.00} ; XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX Balance {$3200.00} ; XXXX XXXX - XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX  XXXX XXXX ) XXXX  Balance {$120.00} ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered an account that is not mine and is the result of identity theft. This fraudulent account has already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite submitting the required FTC report, the account continues to appear on my credit report with your bureau. The presence of this fraudulent account tarnishes my credit history and could have serious implications for my financial future. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

Credence RM is alleging I owe them a debt I do not. I have no contractual obligation under federal trading laws to pay a debt for services or goods not rendered. Credence RM is a third party debt collector that purchases contracts for profits. Under who authority are they collecting for? The business XXXX XXXX XXXX bylaws does not state that Credence RM is an interest party in their business transactions therefore who allotted them permission to state they are collecting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX is required to get current their business practices and all involved parties should be listed on the articles of incorporation and bylaws so there is full transparency or this would be considered deceptive business practices. Furthermore I did not receive my notice of right to dispute before this debt was sold to the credit bureaus for them to report to cause me harm.
Product: Vehicle loan or lease

On XX/XX/XXXX, XXXX paid Santander the amount for my XXXX XXXX XXXX, because it was declared a total loss. Santander cashed the check on XX/XX/XXXX. Unfortunately, Santander is still trying to charge me for the amount of the car and it has already been paid.
Product: Credit card

A rail company in XXXX double charged me for train tickets. I disputed the charge and called Capital One then sent them a letter with supporting documentation. They refused to credit my account and told me to take it up with the rail company in XXXX.
Product: Credit reporting or other personal consumer reports

I was removed as an authorized user on a Capital One account. I have been removed as an authorized user. Im in need of this being updated and removed from reporting on my credit report.
Product: Debt collection

On XX/XX/2020 i received a letter from my employer " The State of Arizona '' of a Non Exempt Earnings Statement ( Judgement not for support ). this letter stated I have had my wages garnished without proper notification. I never received a letter from the court nor the law offices of XXXX XXXX XXXX. I only found out about the garnishment from The Arizona Department of Administration stating my wages where being garnished. Subsequently i am enrolled through a debt counseling agency whos managing my payments to creditors to help me get back on track with my debt to move on with my life. This garnishment is causing me to fall into ECONOMIC HARDSHIP. I cant afford to buy my prescription medication, I cant afford to see a Dr. Or pay my rent on time. I cant even afford to put gas in my car or keep up with my other bills, after the garnishment I am only bringing home about {$610.00} bi weekly. I have been late on my rent, i cant afford to buy groceries or buy food because of this garnishment. I cant apply for government assistance because I work for the government assistance agency also known as Arizona Department of Economic Security. FAA agents do not qualify for SNAP or Medical benefits. I called XX/XX/2020 at XXXX XXXX to discus why I was ambushed like this.

Also BGC Equities LLC & associates have been known for misleading consumers in debt collection practices thus a class action lawsuit was filed against the corporations In Wisconsin. File attached below
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and saw unauthorized inquiries : XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX  ( XX/XX/2021 ) I request to have these removed from my consumer report.
Product: Credit card or prepaid card

I received an email from Comenity Bank ( XXXX ) that my payment was coming due. This card was paid off on XX/XX/XXXX and I was told the account was closed. There were {$250.00} worth of charges made on the card on XX/XX/XXXX in stores in Michigan. I have not been to Michigan and have not given anyone permission to use the card ( because the account was supposed to be closed ). I am trying to resolve this matter with the company at the present time.
Product: Debt collection

Hunter Warfield Inc has a debt that was place by XXXX XXXX XXXX # XXXX in which XXXX XXXX is and in default for any amounts owed or due. XXXX XXXX did not show for court 2 times and the case that XXXX XXXX filed on me to go to court never showed up and the case was dismiss. My attorney also mailed XXXX XXXX a letter in which they never responded back to issues and I was not evicted and as the letter states owe any money to XXXX XXXX. XXXX XXXX received over 3 US Certified Mail that they did not respond back to in any way. If  the matter is not cleared up I'm filing a law suit on Hunter Warfield Inc & XXXX XXXX as to a debt that is fraud by Hunter Warfield Inc & XXXX XXXX as to they never came to court and the case was dismiss and they received a letter after court stating there was no money owed in any way. XXXX was also informed we could pursue going to court on other issues that there was pictures and the unit had mold and other issues that was verified by the insurance company that came in and access the property. The City Building inspections also came to the unit 3 times and XXXX XXXX played games with the city codes and inspections for not having a building permit as well as a list of things that they city building codes and inspections was on XXXX XXXX for 3 months before they obtained a building Permit for work they was doing. I'm giving finale notice to Hunter Warfield Inc that a law suit will be filed on them to the matter and for XXXX in default not coming to court and the case was dismiss as well as XXXXXXXX XXXX not answering the US Certified Mail that was mail to them 3 times with no response. the debt is not valid in any way by the courts or XXXX due to the case was dismiss and no reply back. 
And there is over 8 US Certified Mail going back to XX/XX/2015in regards to the matter as proof as well as XXXX XXXX XXXX XXXX XXXX reports and the issues the city had with XXXX XXXX as well as no reply by XXXX XXXX. 
Attach is court document as proof as letter that was sent out by my attorney with no reply from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Nelnet Loan Services regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to consumer reporting agencies. This action by Nelnet Loan Services is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974.

The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. 

As custodians of these records, Nelnet Loan Services is bound by FERPA regulations. However, they have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA.

Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information.

Nelnet Loan Services ' disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress.

Despite my attempts to rectify this matter directly with Nelnet Loan Services, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for Nelnet Loan Services ' actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by Nelnet Loan Services. Pursuant to 15 USC 1681n, I seek damages of {$1000.00} per violation as a result of their unlawful actions. 

Enclosed with this letter are relevant documents supporting my claim. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report that is not an account of mine. The only account I've ever had with XXXX was paid in full, with documentation provided. Not only does this account/collection still appear on my credit report incorrectly, it's been updated to show a payment of {$270.00}, which I also never made. Experian has not updated/removed this account, and the debt holder refuses to acknowledge that this is an erroneous charge/account.
Product: Credit reporting or other personal consumer reports

My loan servicer is XXXX and i was supposed to have XXXX XXXX loan reported as not late but reported as paid off in the amount of around {$30000.00} which is principle plus interest! The XXXX administration sent me a notification saying my XXXX XXXX have been forgiven in full and no longer require a repayment but XXXX will not remove this loan debt from my credit report please help me out!!!
Product: Mortgage

I had a refinance closing with XXXX XXXX on Wednesday, XX/XX/2019. XXXX obtained a payoff from LoanCare dated XX/XX/2019 in the amount of {$230000.00} ( Exhibit B, pages 3-8 ). XXXX wired {$230000.00} to LoanCare on XX/XX/2019. The wire was returned by LoanCare because the payment was short ( Exhibit A, pages 4 and 5 ). 
On XX/XX/2019, LoanCare paid my homeowners insurance the sum of {$2200.00}, that is due by XX/XX/2019. On a conference call between myself, LoanCare and XXXX, LoanCare states that I owe them {$1300.00} because they paid my homeowners on XX/XX/XXXX, which caused the {$1300.00} deficit in my escrow account. XXXX said they have nothing to do with the payment of homeowners by LoanCare and would not include the {$1300.00} in the payoff the {$1300.00} deficient being the reason LoanCare refused payment from XXXX. So, here I am ; I havent paid LoanCare its XXXX, 2019, payment because of my closing, and XXXX reminds me that I will owe them my first payment on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION I DID NOT GIVE YOU TRANSUNION PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681B ( C ) WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIUOS BREACH OF MY PRIVACY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disagree with the last complaint they did not address the issue. chase auto has Not been reporting accurately to XXXX credit bureau.Chase auto state theres a block from XXXX which is a different company from XXXX. chase as advised me they '' re not going to report my account anymore to the credit bureau, but at the same time state they reporting accurately.XXXX   says they can not change anything on my consumer report unless chase auto update the account. The balance your reprting i owe is incorrect..the status they '' re reporting for this account is incorrect.I disagree with the accuracy, completeness of the following information as being erroneously included on my credit report, as i advised on more then two separate occasions, more than 75 days ago again 40 days ago. Under FCRA thats in Violation, to  continue to report inaccurate information sec 809 ( b ).
Product: Credit reporting or other personal consumer reports

I sent another round of dispute letter XX/XX/year> to send proof of my correct address to XXXX and Equifax with no success. I sent out two separate letters explain the importance of an ACCURATE consumer report. I'm reaching out to agency for support on this ongoing situation. XXXX and Equiax keep sending me back STALL LETTERS instead on correcting the information.
Product: Credit reporting

I had requested XXXX to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Product: Debt collection

Dear Portfolio Recovery Associates and XXXX ; I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question. 
You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action. 
2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter. 
* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken. 
3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter. 
4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein. 

Basically, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was mailed experian certified in order remove the fraud alert on my report. I included my license and a copy of a bill as stated on their form i had to print out in order to remove the alert. On the XXXX i received a letter from them requesting the same information i had sent in prior. This time it states that it needs my dob, social and address in order to remove it. That was odd because my address and dob is already on my license. On the XXXX i received an email saying the alert had been removed. 
It directed me to their site to put in the report info in order to retrieve it in which i did. Upon looking at i noticed that the fraud alert statement was still there.
Product: Debt collection

I have seen that a 3rd party collection wich is fraudulent activity, on all 3 of my report since XXXX. Continue to report that I owe XXXX+ dollars and I have never had a loan unless it was school or my car! And since it was illegally sold information that I never did it violated my fcra rights with wrongful information sent to all 3 reporting companies stating that I spoke with them and I have never done so Once I wrote to remove or seek max penalties the company sent me all the fraud copies of the loan from a fraud check with my fraud signature with a fake address and number that all 3 reporting compies keep binding me 2 and saying its mine so when they call this number the person who done this 2 me is the only person who they can write to and speak 2 please remove the account I can not move or use credit due to me being victim for over 6 months of fraud and no 1 is honoring my fair XXXX .the address on file is were docs are going please remove off so I can update my report with the right address and number I can't even get in control of my own name with this not getting took care of.SINCE THE DEBT WAS BOUGHT AND ITS NOT EVEN MINE PLEASE STOP HARRASSING ME FOR ILLEGAL DEBT. PLEASE HONOR THE FACT I HAVE NOT GOT MAIL BUT ONLY HARRASSED ON MY REPORT IT IS NO WAY THAT I JUST STAYED 4 TO 5 LAWS BROKEN AND NO ONE REMOVED THIS I WILL NEXT SEEK MAX LAWSUIT.
Product: Credit card or prepaid card

My wife and I have been purchasing from XXXX XXXX for many years and we normally take advantage of the zero percent interest promotions that are offered through XXXX XXXX/XXXX XXXX. Late last year we purchased a new dining room table and selected the " Zero Percent Interest '' promotion if the full balance is paid by a certain date. Each month we made payments as usual and as the promotional end date started to get close, our monthly statements started to warn us in red text that the balance due for that promotion was about to end. We received our XXXX statement a few months ago and on the front page in RED TEXT, it's clearly states that we had to pay {$830.00} by XX/XX/XXXX in order to avoid accrued interest charges for our purchase. Soon after we submitted payment for that exact amount and it was received by XXXX XXXX on XX/XX/XXXX. Five days before the due date. 

Now we are in XXXX and our latest XXXX statement shows that we didn't pay the correct amount in order to avoid massive interest charges and that our payment was short {$95.00} for a unrelated promotion. I called XXXX XXXX/XXXX Customer Support and after speaking with multiple agents and a supervisor for over an hour, they insisted that my latest statement is correct and there was nothing they could do to help me out. 

Its very clear that we followed the payment instructions perfectly so Im requesting an adjustment to my XXXX statement for these unsubstantiated charges. I look forward to a resolution that is fair as these finance charges are unwarranted. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Kramer and Associates is the debt collection agency that has been contacting me about money owed. I was making payments on time every other Friday until they tried to withdraw funds too early and it was denied. From that moment, it has been hard to get back on track with the payments. Kramer and Associates called my job and I was pulled out of a meeting to answer the call. I still do n't know how they got my work number. Today, a roommate from 8 years ago contacted me saying someone from Kramer and Associates called them looking for me. Whoever it was left her a voicemail and an extension : ( XXXX ) XXXX - XXXX ext. XXXX. I had every intention of paying off the remaining balance but this is too much. It is very embarrassing to contacted by an old college roommate from 8 years ago concerning a debt collector. This has gone too far!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  # XXXX XXXX  Account # XXXX XXXX XXXX Account 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