23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I rented an apartment from a company - when I moved out they claimed I had a balance due. They are incorrect and are trying now to collect on a balance that is not correct. I have paperwork proving otherwise. 

They have sent me to a debt collector - I 've told the debt collector I deny the debt - the debt collector has mailed me a " proof '' of the debt - nothing signed saying I agree to the debt - just a " bill '' for something that is incorrect. 

I 'm told I will need to hire a lawyer to even begin to fight these guys and they are suggesting they are going to start reporting me to the credit reporting things. 

What can I do to fight this without having to waste time and money going to court to prove something I 'm not responsible for?
Product: Credit reporting or other personal consumer reports

" Hi, I'm contacting you about the credit file you maintain under my name. I recently contacted your company through the Consumer Financial Protection Bureau on XX/XX/XXXX with a 605B deletion request to block information appearing on this credit report as the result of identity theft and fraud. Along with the request, I submitted an official sworn crime report filed with a law enforcement agency, a copy of the credit report generated by your company showing the items appearing as the result of identity theft, and all of the other information your company would have needed in order to process the 605B deletion request and block the information off of the credit file. However, as of today, you have not processed this block request within the 4-day statutory timeframe required by section 605B from the Fair Credit Reporting Act. At this time, I am requesting that you, as a supervisor, manually process this 605B deletion request on my behalf. Furthermore, I request an internal executive escalation complaint against this department, against the department 's management, and against the previous supervisors who handled my 605B block based on their refusal to process the block even after having been provided all of the items required by the FCRA which the supervisor would have needed in order to process this block on my behalf. This is in relationship to the account of " XXXX XXXX XXXX '' for {$350.00}, on XX/XX/XXXX I am concerned that your company is erroneously processing my block request as a regular dispute when it is actually a request to block information on my credit report resulting from an ongoing identity theft incident which is required by law to be blocked from my credit file within 4 days. When I contacted the data furnisher who reported these items to this credit file, they stated that they do not maintain records of the sworn crime report that was sent to your company along with my initial 605B deletion request, so I am concerned that your company performed an unlawful investigation by contacting the data furnisher rather than the law enforcement agency who actually holds the record of this crime report. Can you please process this 605B deletion request manually and file an executive escalation complaint summarizing these issues against the previous supervisors and internal department who initially processed my block request? Can you please also provide me with an executive escalation complaint reference number that I can use in future calls to this department?
Product: Debt collection

No contract with Procollect , inc . Creditor is listed as XXXX XXXX XXXX, who I used to be employed with. I never entered into any loan agreements, This debt is hurting my credit during a time of crisis.
Product: Checking or savings account

The bank teller put my funds in the wrong account causing me to not have access to thousands of dollars.
Product: Vehicle loan or lease

my XXXX XXXXXXXX XXXX I purchased in XXXX was repossessed after contacting the company saying I could not afford the loan in XXXX, they told me they would sell the car and let me know what was owed on the car after that, I was never contacted again until XXXX when they contacted my job with a garnishment request for {$5000.00}. I was told they ordered a judgment on me in XXXX but was never contacted and or served any sort of paperwork.
Product: Debt collection

They call up to XXXX per day every day after I told them I have no income since XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain hard inquiries that were made on my credit report, which I believe were unauthorized or made without my consent. Upon reviewing my credit report, I noticed several inquiries that I do not recognize and do not recall authorizing. 

The inquiries in question are listed below : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX I request that you investigate and remove these unauthorized inquiries from my credit report, as they do not reflect my permission and may be impacting my credit score. 

Please review the information and, if these inquiries can not be verified as being authorized by me, I ask that you remove them promptly in compliance with the Fair Credit Reporting Act ( FCRA ). I understand that under the FCRA, any inquiry that can not be verified must be removed. 

Kindly confirm the removal of these inquiries within XXXX days of your receipt of this letter, as required by law. I appreciate your immediate attention to this matter and look forward to a prompt resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a notice from The Business Services Division, and Secretary of State XXXX XXXX from the State of Tennessee in XXXX. In reference of Harpeth Financial Services/LLC DBA Advance Financial, of a court summon for a lawsuit in the amount of {$990.00} plus court cost and private process server fees. My court date is scheduled for XX/XX/XXXX. I was clearly a victim of predatorial lending, and this debt was a result of predatory lending. I was told to just e-sign my signatures on a tablet and was misinformed about the terms and never told about interest rates.I think this debt is about 3 or 4 years old, and I just recently filed for chapter XXXX bankruptcy this year. I was unaware of this debt when I filed for bankruptcy it was never on my credit report. If I can recall I only received maybe {$150.00} to {$200.00} from this company. Thank you
Product: Debt collection

Agency rep called my place of business and pretended to be a customer calling to " confirm an appointment '' when I indicated I could help confirm that appointment, she asked my name and then asked my name and date of birth, I knew then that she was not a customer at all, just lied to extract information. I told her not to call me at my workplace
Product: Mortgage

My servicing was transferred from Guaranteed XXXX XXXX to Selene Finance on XX/XX/year>. I submitted a previous complaint because Selene lost my entire payment. They have since found the money, but have not correctly applied my funds. 

As of XX/XX/XXXX, the full principal balance showed by Guaranteed Rate was {$130000.00} ( full statement attached below ). 

The balance that Selene credited me is {$130000.00} ( see attachment below ). 

See attachments below - for XX/XX/year> payment, Guaranteed Rate credited the payment as {$77.00} towards principal and {$1000.00} towards interest. 

Selene credited the payment as {$77.00} towards principal and {$1000.00} towards interest. 

I made my loan advisor aware of the issue as soon as I noticed it, on XX/XX/XXXX. 

On XX/XX/XXXX he replied and said that their accounts are correct. I replied the same day asking for an explanation of the discrepancy. 

On XX/XX/XXXX he replied : " I'm hoping this information will help in resolving the issues on the loan. This is from the payment processing team. Please review and let me know if you have any additional questions. 

Boarding XXXX  : {$130000.00} Interest Rate : XXXX Payment : {$1900.00} Payment Breakdown : Interest : XXXX {$130000.00} x XXXX divided by XXXX = {$1000.00} Escrow : {$800.00} XXXX  : {$1900.00} - {$1000.00} and {$800.00} = {$77.00} '' I replied on XX/XX/XXXX because the numbers he quoted in his email are incorrect, my boarding unpaid balance was {$130000.00}, not {$130000.00} as he and the payment processing team are stating. 

I again asked him to please look at the statement from XX/XX/XXXX from Guaranteed Rate which shows a different amount and have not gotten a reply as of XX/XX/XXXX.
Product: Credit card

XX/XX/2015, Amazon applied for a Chase Credit card without my permission, including all of my personal details including my social security number. Amazon had no business with my SSN, and I never gave them my SSN, much less gave them permission to divulge my personal information to ANY third party. 
By turning down this credit application both Chase and Amazon have negatively affected my credit, and both point at each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown Inquires on my credit report that I did not make or give permission for. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian Credit Bureau is still showing my EX husband ( XXXX XXXX ) as an authorized user on my XXXX credit card. He was removed as an authorized user in XXXX. I verified with XXXX that he was removed as an authorized user in XXXX. He recently pulled his Experian credit report and can see my current balance ( {$3400.00} ), payment history and current monthly payment AND IT STILL SHOWS HIM AS AN AUTHORIZED USER. He sent me screen shots that indicate this information was last updated on his credit report on XX/XX/XXXX. I have called XXXX and Experian and no one will help me because it's his credit report. I feel violated that Experian continues to report my personal and sensitive financial information to him. XXXX said that they do not report information under him about this credit card to Experian any longer, but stated that Experian uses my personal reporting and puts it under my EX husband as well. Let me state, HE WILL NOT CALL to get this removed. It helps his credit as I am a reliable payer and he is not. I will attach the screen shots he sent me clearly stating that Experian is still reporting just as if he is an authorized user.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and other related laws involving inaccurate credit reporting and improper handling of my personal information. These violations include issues such as failure to verify the accuracy of the credit information reported about me, improper disclosure of my rights, and deceptive reporting of accounts and debts. Specifically, the FCRA violations include failure to comply with civil liability for willful noncompliance ( Section 616 ), failure to disclose my right to opt out of sharing my personal information ( Section 603 ( d ) ( 2 ) ( A ) ), and failing to validate accounts and inquiries as required under Section 623 ( a ) ( 3 ).

Additionally, there were violations under the Debt Collection Practices Act, such as reporting inaccurate debts and contacting third parties about my financial information without my consent. There were also problems with how late payments were reported, finance charges were calculated, and how my credit report was accessed without proper authorization, all of which violate the permissible purposes outlined in the FCRA.

To resolve these issues, I have demanded that the inaccurate and unauthorized accounts be removed from my credit report and that proper validation of alleged debts be provided by the debt collectors involved. I also expect them to take immediate corrective action, including updating late payment reports and ensuring compliance with debt collection regulations. If these violations are not corrected, I will seek legal remedies available under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I two issues with us dept of education I filed bankruptcy in XXXX to only one bureaus XXXX and when I was doing my paperwork last year for the forgiveness program I was informed I was in bankruptcy I challenge them and when I call them and ask why am I in bankruptcy still and my full discharge was in XX/XX/XXXX. The person on the phone said my bad we forgot to remove you so then they did the most unethical thing they deleted the XXXX entry from XXXX and now is blank because they know they could not enter it twice so they reported my bankruptcy date as of XX/XX/XXXX this is wrong report and needs to be deleted this drop my point by XXXX points and I want them put back or we will be in court about my credit profile. 

I applied to go to XXXX XXXX that was in the XXXXXXXX XXXX they then change their name to XXXX XXXX I never went to the school because I found out I was XXXX  and could not attend. At that time was when paper checks were being issued they returned XXXX of the loan an never returned the rest no this has ballooned out of control I have been saying this for 25 years. Then come to find out this was predatory school and they are now closed when I ask for transcripts if I went there they could never produce them. How I found this out was went back to school in XXXX at XXXX XXXX I was granted full financial aid and then when the spring semester came about they told me I did not qualify for financial aid because I had a defaulted student loan from XXXX I ask them where this loan has been for all these years and I had a very common name XXXX XXXX Then I was XXXX XXXX my first husband I have applied for the forgiveness and it has been a year now no word. They have repeatedly sold this loan again and again and a lot of this is interest and lots of offsets. I disputed this with the Bureaus since last year
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Capital One bank reported unrecognized hard inquiry on my XXXX   credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from XXXX  documents and proof that they did an investigation. I have requested 3 times and they have not done a proper investigation and just sent me a generic letter stating that they verified infomation that they are reporting on my credit file. they are not abiding by the laws set forth by the government. There is another person with the same name that as myself and I feel that they are reporting things to my credit that they have not done an investigation to ensure that they are reporting proper information. I requested copies of the infomation in which they are reporting and they have not sent me. 

I sent them via notorized and certified copies of my drivers license, social security card and the request for written proof that this is in fact my debt and they have not supplied this information nor have they removed it from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Student loan

The interest rate is 7.5 percent, which is so high I 'll never pay this loan off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an outstanding collection for {$1500.00} onto all XXXX of my my credit reports however I was never notified by mail email or phone in regards to this collection being sold charged-off written off or transferred. 

I Mailed a dispute letter via certified mail to all three credit bureaus Equifax XXXX XXXX and XXXX. I requested that they investigate the matter. 

The FDCPA states that debt XXXX must provide the following information in writing within XXXX days of first contacting debtee : Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Amount {$1500.00} Status Date XX/XX/XXXX Balance Date XX/XX/XXXX Designator code individual account Account number ending XXXX XXXX By law I am required to know who, not title unknown is utilizing financial information on my behalf. 

This collection is in violation of FDCPA. 

( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
( XXXX ) The false representation or implication that documents are legal process. 
( XXXX ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 
( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. 
( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section XXXX ( f ) of this title. 
XXXX XXXX XXXX The dispute letter requested that Equifax XXXX XXXX and XXXX Please verify that all information pertaining to my credit report is 100 % correct by providing the following items. 

*Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) * Other Financial Information XXXX you are unable to verify the account with the original documents, the information must be deleted from my credit report within 30 days. Please respond in writing within 30 days of receiving this letter. 
Thank you for your attention to this matter. 

The FDCPA states that debt XXXX must provide the following information in writing within XXXX days of first contacting debtee : All companies involved have failed to properly notifying me of these debts by surpassing the statue of limitations given under the rule of law. 

Below are signature upon receipts that Equifax, XXXX XXXX, and XXXX have received each dispute letter applicable for the debt in question. It has been now 30 days and No credit agency has responded via certified mail, email or phone. 

This is a violation of the XXXX. 

I have attached all documents that support my complaint. 

I humbly request that the CFPB assist in deleting this unlawful collection from all XXXX major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX 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 card or prepaid card

XXXXXXXX XXXX  credit card I am current on making my payment I sent in the mail ACH payment and electricity. Capital one I make payments and they never want to acknowledge that I qualify for a platinum card.
Product: Debt collection

the company Ally financial repossessed my car. They gave me a set number of days to pay of the overdue balance and get my car back. the total amount due was approx {$1200.00}. 
i paid them {$750.00} and was to pay off the balance with them after they confirmed that i should pay the balance off the upcoming friday. they confirmed the vehicles location and that i could go get it then. they confirmed the car was at the tow yard. 

on the repayment day, Ally through their towing company had already SOLD my car even when they asked me for the {$750.00} payment. the car had been sold few days into the repossession by the towing company at about 1/3 the fair market value rate. 

ally is now demanding {$5600.00} even after all my deposit and monthly payments i had made for 2 and half years on the car. the loan total was {$11000.00}. the {$750.00} payment that i made they did not even include it in the final tally. they lied that the car was at the tow yard when in fact they had already sold the car for a throwaway price. 

they sold my XXXX  XXXX XXXX XXXX  for 1/4 -1/3 the current fair market value at time of repossession. 

these people stole my payment and used the tow company to sell the car cheap quickly to a friend for a low price then still demand XXXX $ from me and take me and my cosigner to collections. they are criminals why accept a payment after they had already sold the car and lie to me that the car was at the tow yard. they have then come up with this figure and reported it to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics. On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX in XXXX XXXX to purchase a car. I authorized for them and only them to run my credit. XXXX different companies have an inquiry for that same day. I have sent letters and disputes to have them removed. 

On XX/XX/XXXX I went to XXXX XXXX XXXX and authorized them to make an inquiry on my credit. My report shows inquiries on the same day to the following companies ; Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( XXXX in one day ), XX/XX/XXXX XX/XX/XXXX ( again XXXX in one day ) and XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX ( XXXX in one day ) XX/XX/XXXX Car Buying Attempt : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX in one day ) Car Buying Attempt :XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX ( XXXX in one day ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX