23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been harassed by postal mail several different times, by several different collection agencies representing XXXX XXXX XXXX. The first harassing letter was sent by XXXX, which after I filed a complaint here with CFPB, in XXXX, they said they would stop contacting me regarding the debt they allege against me as it has absolutely no merit. The second harassing communication came by way of XXXX XXXX XXXX in XXXX, XXXX, the next was by XXXX XXXX XXXX, also representing XXXX XXXX XXXX which occurred in XXXX, XXXX. The most recent communication was sent to me by their third company, SIMM ASSOCIATES , INC. dated XX/XX/XXXX. The letters are the exact same each time. Each time they allege that I owe money for a student loan account that they allege I defaulted on XXXX, XXXX, XXXX. Not only do I not owe this debt, the information they have and continue present is completely false. I dispute this debt!. Each time they threaten me, they present false documents and they allege that I benefited from proceeds of a student loan that I do not own. I have statements from both my private and federal student loans to show that I do not owe any outstanding debt. This is a fraudulent company who buys false documents from somewhere and they harass you at every end using fear and intimation tactics each time. What I know about XXXX is they have been party to a Federal Court case over 20 times for violating consumer 's rights and using illegal harassing communication tactics to coerce a payment. Well, it will not happen in this case. These practices must stop. It takes me time and great effort to continue responding to these harassing letters every few months. It also causes me emotional turmoil to be accused of owing a debt that they threaten against me. These actions are malicious and are intended to inflict emotional distress to coerce me to pay for something I do not owe.
Product: Mortgage

Hi there. In XXXX 2015 I refinanced my mortgage through XXXX XXXX Bank, and after a sale or XXXX, it ended up with XXXX XXXX XXXX XXXX. My manual online bill pay payments went through fine for the first XXXX payments, and seemed to go through fine on my end for XXXX and XXXX, but then I received a letter saying my loan was in default and I 've been reported to the credit agency, etc. Nothing on my end changed. I did n't touch any settings in my online bill pay. I have a really strong credit score ( XXXX I think ), and was obviously distrubed by this, and have submitted proof of payment per their specifications multiple times, and have been on the phone with their reps, and there has still been no resolution. My XXXX payment seemed to go through fine.
Product: Mortgage

Wells Fargo keeps pushing the closing date out without providing a reason. They insinuate that there is a problem with the appraisal but will not tell me what the issue. I paid to have the appraisal done but they refuse to provide me with a copy. I have asked to speak with the underwriter and have been denied that opportunity. I have also asked to speak with their collateral compliance department and again was denied that. I made contact with a person in their customer complaint department but he has not returned any of my calls asking for status. A manager in that department promised to call me but has not. I asked to speak with the Senior Vice President but was told the she does not take customer calls. These changes have required the real estate agents to extend the contract three time but no one will tell me why. My wife and I both have credit scores over XXXX, have cash accounts of over $ XXXX in Wells Fargo Accounts and another $ XXXX in tax sheltered accounts. We recently sold our home and paid in full the Wells Fargo mortgage on that property. We have no debt including on credit card accounts. We are asking to borrow $ XXXX on a $ XXXX property. We asked why there was an appraisal required and were told that it is a XXXX XXXX requirement. This is a conventional loan and as far as i know XXXX XXXX should not be involved. We are in danger of losing the contract on this purchase and will become homeless if that happens.
Product: Credit card

On XX/XX/XXXX, submitted via phone a dispute related to an issue with an XXXX transaction where I was bitten by multiple bed bugs, and the merchant, XXXX, was non responsive to my complaint. In late XX/XX/XXXX, I received a letter and merchant 's response to dispute that only showed information to support the fact that I stayed at an XXXX property, which was not the basis of my complaint. My complaint ( dispute ) rather centered on service not as described. Submitted a rebuttal on XX/XX/XXXX, that included photos of the bed bites, advised that merchant had not responded to my complaint, and argued that merchant 's response did not address my complaint of bed bugs. On XX/XX/XXXX, I received a letter from Citibank that my dispute did not quality for dispute. However, this was not relayed during the initial dispute submission and is a violation of the Fair Credit Billing Act, that allows for disputes to be submitted for quality of goods not meeting that as advertised.
Product: Credit reporting or other personal consumer reports

I have no connection to the listed creditors, and these inquiries are not related to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX XXXX XXXXXXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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

" Wellman Weinberg and XXXX XXXX XXXX '' has called me several days in a row about collecting a debt I do not have with them. I do not have no contracts with them, no written agreements and I never done business with these people whatsoever. The number they call me from comes up as unknown then shows the following contact number : XXXX, I find this suspicious and troublesome. Is there something the Consumer Financial Protection Bureau do to stop this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3600.00} DXXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$5900.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}
Product: Bank account or service

Santander Bank did not send my XXXX. They told me I could not receive another until XX/XX/XXXX. They said it was mailed XX/XX/XXXX ; however, it does not take more than two days to send and receive mail from within XXXX.
Product: Debt collection

I do not no which medical provider this bill is originating from. My account on my chart which I pay a payment on XXXX each month wether it's {$10.00} or {$50.00}, I make a payment. The on line account states some of your bills are in collection, some of your bills are pending insurance and some of your bills are due. That's a broad range for someone to figure out what needs to be paid. But I make sure I pay something each month. I've filled out for assistance but haven't received a answer. As well as some of our portions of these bills I see are for services I have not received and I will be making a call to XXXX XXXX XXXX XXXX of Michigan and XXXX tomorrow to report it.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last 4 Digits Of Social Security Number : XXXX Phone number : XXXX Dear Dispute Department, I am writing to dispute some information on my XXXX credit report. The following are the details of my dispute : Dispute 1 : Account Information : Account name : XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Account number : XXXX This account and balance do not belong to me. I have already sent numerous disputes, an identity theft affidavit, a fraud report, and a police report regarding this urgent issue, but it has not been corrected yet. 

Dispute 2 : XXXX XXXX XXXX XXXX  Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX These accounts and balances do not belong to me either. This is a case of identity theft/fraud, and I have already submitted all the necessary documents to rectify this issue multiple times. The balance listed on this account is incorrect and needs to be corrected. I have already reported this account as a result of identity theft. 

Thank you for taking the time to look into this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complain to AMEX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports with Trans Union, XXXX, and XXXX and noticed that there are several addresses, phone numbers, and names that are inaccurate or do not belong to me. My only name, address, and phone number is XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX, XXXX. All others must be permanently deleted from my credit report and file. My credit report must always report fair, accurate, and complete information only. Otherwise, there is a misuse of my information. I have attached my identification which shows my correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were DPEDXXXX - XXXX, DPEDXXXX  - XXXX, DPEDXXXX  - XXXX, DPEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian did not conduct a proper investigation and did not provide the documentation requested.
Product: Debt collection

Monterey ColXXXX Account # : XXXX High Balance : {$920.00} Date Opened : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Balance : {$960.00} Responsibility : Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work on my credit and I have not received any mail from Equifax and XXXX.
Product: Vehicle loan or lease

I fell behind on my payments due to lack of employment. Advised the lender of such information and they still repossessed both of my vehicles. Now I am being told I am responsible for the balances after the vehicles were sold at auction.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i contacted companies about credit inquires on my credit report. I was advised by each company that i would need to work with the credit agencies to have inquiries removed since the information was not in the companies systems. I uploaded a credit inquiry dispute on XX/XX/XXXX to experian, called on XX/XX/XXXX to inquire when they should start working on the dispute and was told by XX/XX/XXXX at the latest. I called back on XX/XX/XXXX to find out the status and was advised that i would need to submit an FTC complaint in order for experian to dispute my inquires. Experian has continuously tried to not investigate my credit inquiries although i have done everything they have instructed me to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Effective XXXX XXXX, 2017, Equifax and other CRA 's adopted new policies that developed enhanced public record data standards for the collection and timely updating of civil judgments and tax liens. The new credit reporting law applies to new and existing public record data on respective credit reporting databases, and will require a minimum of consumer personal identifying information : Name, Address, and SSN and/or Date of Birth.
I have sent previous letters to Equifax requesting the removal of inaccurate information from my credit file, and they have failed to do so. They continue to report the disputed item regarding the public record, specifically an incorrect tax lien. Their egregious conduct is unacceptable and must be addressed. Again, I am requesting that the negative item be removed from my credit report immediately.
Please resolve this matter as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXX XXXX account number XXXX a Validation of debt letter XXXX XXXX has failed to respond according to FDCPA 15 USC 1692g sec XXXX this is a violation, Further more XXXX XXXX XXXX has failed to mark the account as disputed at the time of validation of debt request. 

Also Equifax and XXXX have inconsistency as far as this account goes. 

XXXX reported this account being opened on XX/XX/XXXX Equifax reported this account being opened on XX/XX/XXXX XXXX reported that the account number is XXXX Equifax reported that the account number is XXXX These are all inconsistency and is a violation through the Fair Credit Reporting Act. 
Proof of this has been downloaded through the CFPB Portal
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, has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I applied to skip my payment due XX/XX/2022. After I didnt hear back I sent the request again. After not hearing back for over a week I contacted the company by chat. The representative told me there was a problem on their end and they lost the documents. He manually processed them for me. I received a loan modification agreement that said XXXX was due for XX/XX/XXXX XXXX XXXX and that payments would resume XX/XX/2022. I signed it and shortly after received a signed copy from the company. I kept getting late payment notices. So I emailed the company, they responded saying my request was denied. I emailed back stating I already received a signed modification agreement. The email would not go through. I then contacted them by chat. After over an hour and talking to 2 people I was told they made an error and would not honor the signed agreement. I have a copy of the signed loan modification and all I want is them to honor it. Im also concerned that I have been by 2 people at their company that they have lost financial records and have made errors with them. I have attached the modification agreement. I also have a lot of screenshots from my last chat conversation with them if they are needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$89.00} ; XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX. XXXX XXXX Original creditor : XXXX XXXX Balance : {$260.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX Inquired on XX/XX/XXXX.
Product: Debt collection

Halsted Financial Services subjected me to Harrasment, false and misleading language/tactics, deceptive practices, and lies in unlawful attempts to collect information from me under the pretense of a business opportunity saying things like this is a business opportunity for XXXX XXXX but we need to verify that we are speaking with the right person so we need to collect information, we looking for a XXXX XXXX but can not disclose information until we verify your identity, we need you to verify who you are before we go further etc Halsted Financial Services employees tried to collect personal data from me including my social security number, mailing address name etc without informing me of the nature of the call or telling me if they are a debt collection agency even when i envoke my rights as a consumer and made them aware of specific UCC, XXXX, TILA, CFR, FCRA, FDCPA, CFPB, sections, guidlines, laws, and Regulation. They denied those laws saying they dont have to follow them, that I, the consumer is misinformed, thats not how this work, That i dont know the law etc. Ultimately their legal department agreed that i was correct after i entered contractual terms after expressing my lack of consent.
Product: Vehicle loan or lease

I have a loan with USAA FSB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA FSB with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.
Product: Debt collection

I have had CACH LLC impact my credit signifcantly with XXXX accounts on each of the credit bureaus for accounts I never owned I have submitted FTC affadavit & police report as well as ID verification and I contacted them and spoke with them but I still see the negative information reporting on my cedit.
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 Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX/XXXX  Account NumberXXXX Account Name : XXXX/XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX/XXXX  Account XXXX has violated my rights. Or a 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.