23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB, please assist me in collecting my proper pay from XXXXmpac Mortgage Corp, XXXX # XXXX. I worked for Impac from XXXX - XXXX and from XXXX - XXXX. On XX/XX/XXXX they furloughed me when I had a XXXX loans in process. The company then made a back handed deal and got paid for my loans by a company called XXXX, and tried to pawn me off to XXXX to re-do all my loans for a second time. I asked Impac to pay me for my loans, and they refused. I was even willing to accept a {$15000.00} lump sum for my loans which would have paid over {$40000.00} had they not furloughed me and Impac became very aggressive and cruel in how they responded to me. Their legal department made threats and accusations against me and even tried to get me fired from my job at the time at Owning. Their CFO reached out to the owner of Owning and requesting that he fire me. They have now began making false statements claiming that the CFPB took a position in their favor when I raised my issue in the past. I have attached the emails between myself HR and counsel for Impac. Please take the corrective action to persuade Impac to do the right thing and compensate me for the loans I originated, most of which had final loan docs drawn, signed or generated. They have had many complaints from former employees against them as they are very anti prior employee and utilize a lot of bullying in their tactics of dealing with prior employees.
Product: Checking or savings account

The phone I was using with the bank died. I went into a Bank of America office on XX/XX/24 and had them change the *REQUIRED* ( required by Bank of America ) contact number to my new phone. The person at Bank of America did that. Nonetheless when I tried to access my account this morning Bank of America still sent the *REQUIRED* confirmation text to the old, dead phone!! Thus they have intentionally locked me out of access to my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX, XX/XX/year> I reached out to XXXX and Equifax XXXX XXXX Mail regarding XXXX account from XXXX XXXX with account # XXXX and a balance of {$770.00}. The original creditor is XXXX XXXX XXXX XXXX 
I previously disputed this account stating : I I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ''. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX XXXX 
I previously disputed this account.I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

I have not received the contract with this debt collector nor the proof of the investigation.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

They do not have my permission to report on my consumer credit report.

IDemand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. 

letters have been sent certified mail and return receipts have been received by me. 

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

HI ERC/ XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Vehicle loan or lease

I bought this car in XXXX. Drove it for probably XXXX miles before it quit running. 14 years go by and never heard a word from this " so called company ''. No letters, no phone calls, no nothing. In XXXX they tried to sue me and garnish my wages. However, they did not succeed.. Now they are back at it again. They sent me a lovely yellow summons stating that " my wages ARE being garnished ''. Please tell me how it is possible to have your wages garnished without even going to court? Without ever being able to have a defense.. Per Virginia Law this Auto loan has past the Statues Of Limitations on collection of this debt. If this loan was a written Contract, they can only try and collect for 5 years. If this loan was a promissory note, they can only try and collect for 6 years. I will vigorously fight this injustice and criminal behavior by this company. This company sold me a lemon. This company has hurt my name and reputation with my company on false pretenses. This company uses scare tactic to try and force people into paying on a debt past the Statue of Limitations. I will not be bullied by this company. I will have my attorney on this ASAP. I have a good case to sue XXXX XXXX XXXX XXXX XXXX for their miscarriage of justice, lies and deformation of my character.
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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Name : XXXX XXXX XXXX, Inquiries : XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  I, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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.

Reasonable policies and procedures concerning the accuracy and integrity of furnished information ( 12 CFR 1022.42 ) and Interagency Guidelines ( Appendix E ) Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of consumer information that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnishers activities. In developing its policies and procedures, a furnisher must consider the Interagency Guidelines and may include its existing policies and procedures that are relevant and appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.
Product: Credit reporting

The same debt is and has been reporting twice on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting twice and is in violation of the FCRA.
Product: Debt collection

Progressive Management Services refused to negotiate on this debt even though I told them I could n't make it to the next hospital where my XXXX condition would have been evaluated for free. ( VA hospital as I am a Veteran ) Also they are n't reporting the amount I have already paid to the {$1400.00}. I am still owing {$300.00} bout it 's being reported as a {$2000.00} debt. I told them I needed it paid so I could refinance my mortgage and she laughed at me when I asked her to negotiate. I feel this unfair, prejudice and unreasonable of this company.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX. XXXXThe following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Student loan

My studen loan service provider switched from Edfinancial to XXXX sometime after XX/XX/XXXX. On XX/XX/XXXX, XXXX reported my loan amount ( {$150000.00} ) to the credit bureaus, which caused a XXXX point drop in my credit score. Edfinancial reported my loans in XX/XX/XXXX, however, the account still appears as " open '' for the full {$150000.00} and is thus reflected twice on my credit report, causing a significant impact to my credit acore. I called Edfinancial in late-XXXX  XXXX and was told by a representative that my loan was not reported to the credit bureaus in XXXX. The representative could not tell me why Edfinancial 's reporting still appeared on my credit report nor when I could expect to see the situation fixed.
Product: Debt collection

Equifax is showing a collection on my credit report in the amount of {$170.00} account # XXXX there is no original creditor listed or any collection agency listed that is attempting to collect the debt.
Product: Debt collection

Credit Resource Management {$670.00} XXXX ( XXXX ) XXXX XXXX : reported or start date of harassment This company out of the blue ( just literally popped up and asked to pay an amount ) requested I pay on something that I not only settled but already paid with XXXX XXXX itself. I had XXXX back in XXXX at an address XXXX XXXX XXXX XXXX XXXX, TN XXXX. When I moved in XXXX, I turned in the XXXX cable  boxes, hdmi cords, remote controls and paid the last bill and was given a Thank you and sorry to see you leave XXXX, reach out if you need anything else Now in XXXX, Im sent a bill thinking Ill be naive and pay something that has been paid and returned. So a random credit debt agency gets my file and wants me to pay but gives me no information but wants a checking account or debit card. Absolutely not, I was a victim of Identity theft back in XXXX and XXXX. I dont why these companies wont leave me alone. This debt is not mines and its preventing me from making life altering decisions ( buying- single father of XXXX beautiful XXXX XXXX ) please help!!!
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. 
XXXX XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  account # 's XXXX, XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX account # 's XXXX, XXXX, XXXX, XXXX, XXXX XXXX  account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  XXXX ACCOUNT #, XXXX XXXX XXXX XXXX ACCOUNT #, XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXXXXXX 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 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

The company keeps calling my work, despite me sending email correspondence at their website asking them to stop calling me at my work.
Product: Credit reporting or other personal consumer reports

The primary address on the credit report is not mine. If any of my account representatives sent mail to that address it would not get to me. I need the 2nd address to be the only address on the credit report. There are multiple names and variations of names on the report. only 1 of the names is my legal name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaints against XXXX XXXX XXXX, and Experian, XXXX, and XXXX. XXXX XXXX  has continued to report unfactual and inconsistent information on my credit profile. All 3 Bureaus have failed to conduct a full and thorough investigation of my complaints, even after I have provided them tangible proof that XXXX XXXX continues to furnish them with erroneous data. In XX/XX/XXXX, I collected my 3 bureau report, I marked all information from XXXX XXXX that was inaccurate. I sent letters via US certified mail in XXXX, awaring XXXX XXXX of their inaccurate reporting and FDCPA violations including, but not limited to the re-aging of debt ( re-aged from XXXX XXXX XXXX to XXXX. XXXX now to XXXX. No payment or promise to pay has been made on this account in that time ; They also did not report any Date of last payment from the XXXX XXXX report, but in XXXX. XXXX they report a date of last payment of XX/XX/XXXX to XXXX only ( which is inconsistent and incomplete ) ; My XXXX XXXX report says that the account was opened XX/XX/XXXX, but in XX/XX/XXXX, they report instead with Experian and XXXX that the account was opened XX/XX/XXXX ( Almost a 2 week difference ) .It is not possible to be 100 % accurate but provide two different dates to the Bureaus of when the account was opened ; The credit report that I pulled in XXXX has 2 year payment history that does not at all match the payment history being reported on my XX/XX/XXXX credit report ; XX/XX/XXXX report shows different High Credit balances, from XXXX $ to XXXX $ ; Account type is incorrect and different on both the credit reports I've pulled. I requested they remove the account from my credit profile. They did nothing! I sent documentation of all errors and violations via certified mail to Experian, XXXX, and XXXX via certified mail in XXXX. They investigated and said the account is verified. Even then on my XX/XX/XXXX report account in Dispute remark was NEVER ADDED. I've even attached a screenshot of the Experian Re-investigation report as proof that this account was formerly in dispute already. This company has failed to report accurate and consistent information on my credit profile since XXXX and has hurt my ability to obtain new credit in doing so. This is defamation of character. The credit Bureaus have failed to conduct a full and thorough investigation in light of all the errors that I have provided them with proof of and has allowed the creditor to continue to report unfactual data. I want this account removed from my credit profile immediately. I am attaching documentation, please take the time to read through, if not removed, I am prepared to move forward with my plan of action.
Product: Money transfer, virtual currency, or money service

I buy and sell items on an app called XXXX XXXX. I had a customer offer to buy a hockey helmet that I had for sale  and he wanted to use Cash app to pay me. I do have an account on cash app but only a personal account. Since the amount of the helmet was XXXX I was told I needed to upgrade to a business account. The cost to upgrade to a business account is XXXX. The customer was going to send XXXX ( XXXX helmet and XXXX upgrade ), with the understanding that I would send him the XXXX back after the transaction with the helmet was complete. I was told to buy XXXX cards in the amount of XXXX ( XXXX a piece ) to send through Cash app to reimburse him the cost of the business upgrade. I couldn't find XXXX cards so I purchased two XXXX visa money cards. I send the money through from the Visa Cards and then was informed that it had to be XXXX   cards. So that was my 1st XXXX loss. I found the XXXX cards and sent those. They said that the money was already taken off of one of the cards, but not the other. So now I have sent XXXX and I had to go get another XXXX card to replace the one that they said was no good. I had the understanding that any money or card I sent them would be reimbursed to me. By this time I am down XXXX on a transaction that was supposed to give me XXXX. The last conversation I had with them today, XX/XX/XXXX I was told to send an additional XXXX XXXX card which I am not doing. It is a shame with the situation our country is in right now with Covid-19 that we are getting ripped off. The reason I sell items is to put food on the table for kids, wife, and myself.