23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company calls over 10 to 15 times a day using a false caller ID name every time. One time it will be XXXX XXXX XXXX XXXX XXXX the next time it will say XXXX XXXX XXXX or XXXX XXXX. When you pick up its a recording or a agent threating you with jail or a lawsuit if you dont pay immediately during this call. They dont tell you what the debt is for they just demand payment. If you call the number back no one answers. The number they called from on XX/XX/2021 came in as XXXX XXXX XXXX again and the phone number is XXXX from XXXX, Texas.
Product: Checking or savings account

I had over {$2000.00} in my account. This has been a XXXX XXXX years ago but one day it was in there the next morning when I went to look at my account the money was gone. I contacted them and asked them what happened to the money I put in a request because at this time you couldnt call and talk to Cash App, but I put in a request for someone to get back at me back to me and basically they just told me that there was nothing that they could do. I didnt send it to anyone. They closed after complaining so much
Product: Money transfer, virtual currency, or money service

I had asked for early access to my social security and I was denied.. The representative kept changing her reason for denying me so I asked for a policy in writing and she said there wasnt one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019, I provided to XXXX XXXX XXXX 's office proof of payment from Medicare and my supplemental insurance provider. His Office Manager stated they had made a billing error and would correct it. She also stated she would fix the debt collection letter. Four years later, I am finding this of my Credit Report. The {$46.00} is not owed to them by me and I took care of it with them at the time. I want this removed from my Credit Report as it is incorrect. 

XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX a charge was made for XXXX online to a XXXX  company that I did NOT make. Immediately my phone notifies me of charges over XXXX and when I saw it, I called citi card asap meaning same day -he got me a new card that they should be aware of because someone used it for that and it was not me! They issued a security credit which they clearly didn't look into because they recharged me on XX/XX/XXXX! who got this XXXX? Not me? Not anyone I know. WHERE is their proof? Because it was NOT made by me. If they want an XXXX  in my XXXX to contact them on this, we can go that route too because I assure them they would be paying fees as this is not mine!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXXAmerisave Mortgage Corp, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA ( and other addresses ) placed a hard inquiry on my XXXX XXXX and XXXX  credit bureau records. I have not done business with this company, applied for employment with this company or applied for a mortgage with them. I do not currently hold a mortgage with them or any other mortgage company. I have not applied for a mortage with in the last two years with any other mortgage company.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX CC 'D : Email : XXXX CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use XXXX  to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

Bankruptcy - XXXX - The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Product: Credit card

I have received multiple balance transfer offers from capitol one for my union plus card. I have resisted doing one because of this part i can not see being legal based on current laws. I think its in violation of SEC. 104. APPLICATION OF CARD PAYMENTS of the Credit CARD Act of 2009 There flyer states on the back where no other info is printed besides the back of the balance transfers check : " If you pay your balance in full each month. you do not pay interest on your purchases. Please note, After you accept this offer, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on new purchases, you must pay your total balance in full ( including balances from this offer ) by the due date each month. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S cod
e 1692k civil liability
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX charged {$1200.00} information don't match up with all credit bureaus Hippa violation
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX account # XXXXXXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX reporting as deceased, XXXX account # XXXX reporting as deceased, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 a Section2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

I had an XXXX credit card that I closed in XX/XX/XXXX, and the account was paid in full. However, a 30-day late payment from XX/XX/XXXX is still being reported, negatively impacting my credit score. 
I disputed this late payment with Experian, but XXXX refused to remove it. I also contacted XXXX directly to request a goodwill adjustment, since the late payment is nearly four years old and the account is closed. However, XXXX stated they do not grant goodwill removals under any circumstances. 
Violations & Consumer Rights : Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), XXXX must provide a reasonable investigation into the dispute. I am requesting documented proof of their verification process. If XXXX can not verify the late payment with actual records, they are legally required to remove it. 
The FCRA 623 ( a ) ( 3 ) states that a furnisher of information must not report inaccurate or unverifiable information. If XXXX is unable to prove the accuracy of this late payment, continued reporting is a violation of federal law. 
The Consumer Financial Protection Bureau ( CFPB ) has issued warnings against creditors refusing to consider legitimate goodwill adjustments, as this prevents consumers from having a fair opportunity to correct outdated or minor infractions. 
XXXX refusal to grant goodwill adjustments under any circumstances suggests an unfair policy that does not allow consumers any remedy for old, paid accounts. This is especially concerning since the late payment is nearly four years old, and XXXX is still reporting it despite my account being closed for over a year. 
I demand that XXXX : Provide proof of verification ( including a copy of their records confirming the delinquency and their verification process ). 
Remove the late payment if they can not legally verify it. 
Cease reporting outdated negative information that does not reflect my current credit habits. 
If XXXX fails to comply, I will escalate this matter with the Federal Trade Commission ( FTC ) and my state Attorney Generals office for further investigation into potential FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Your company is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 
Did I give you written instructions to furnish this items on my credit report? 
XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$6800.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of, a charge-off account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a charge-off account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a charge-off account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a closed account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

When calling XXXX to discuss the mailing they sent me, I first spoke to a rather nice gentleman. 

I informed him that what I received was just letters stating they claimed I owed them for XXXX accounts from Capital One. I had requested debt validation that met the FCRA and this did not. He told me I should have received something with Capital One letter head ; which I had n't. 

Mid call, the call went silent and I found I was transfered to someone who talked over me. I was confused as I had n't requested to speak to a manager. This man repeatedly asked me who would have opened these accounts with my information. I tried to tell him I was simply asking for validation, and I did so very politely. He continued asking me this same question and ignoring anything I said. He got louder and louder. I told him that he was being harrassive but he continued till I asked for a manager. 

The manager was n't even his direct manager and she seemed to only care about getting me to say I owe the debts rather than the behavior of her subordinate. I was the one who called in to try and get a handle on the situation. I was not dodging a debt but asking for validation. 

After the call I made a call to your hotline and am still very shaken from being yelled at. I was confused by the juggling me around from person to person without saying they were going to transfer me and then to be yelled at for a highly irrelevant thing. Regardless of how the account was opened, I was requesting validation.
Product: Mortgage

Paid off mortgage on XX/XX/year>, have received the " satisfaction of lien '' document from my county. Have contacted NewRez multiple times via phone and email and communications have either been non responsive or refusing to commit to a timeline to return my escrow balance.
Product: Credit reporting or other personal consumer reports

Recently, I submitted this account for been inaccurate and incomplete information. This account still appears on my consumer XXXX credit report after being inaccurate. The account close date XX/XX/XXXX open date XX/XX/XXXX how can the account be closed ( 20 ) days before it's open on XXXX Transunion has it open XX/XX/XXXX closed XX/XX/XXXX. XXXX has this account open XX/XX/XXXX closed XX/XX/XXXX so there wasn't an investigation on this account. Remove this account immediately!!
Product: Mortgage

I have a XXXX loan on my primary resident with bank of america, From XX/XX/XXXXthe loan fall into default since late XXXX XXXX due to economy crisison XXXX was told that the loan was discharged. and they loan lien will be releasedby XX/XX/XXXX, But never did, for several years, i was in overseas due to family problemsafter several years, finally i modified my XXXX loan on this property .as of XX/XX/XXXX, my property is still under water with regard to my first loan value I got a property tittle report showing there is still an active second lien on the property. 
surprised very much, and i contacted bank of america, again, First i was told this loan was paid off, on XX/XX/XXXX ( that is not true ) then i asked for release of lien certificate, you have to take care of your first loan lien modification. then we will take care of XXXX loan. and we may waive your second loan. if there is no value for XXXXand they ask me to provide them with my current financial and property information, i was told in order to release the lien i have to reach to a settlement agreement .even though there is no equity in to property according to their bpo evaluation, and the current negative condition with regard to lots of needed repair and maintenance, still demanding more than 50 % of final charged off balance, i can not afford the XXXX loan. and there is no value for that either. let alonei have hard time to maintain the first loan. i accept the XXXX loan modification offer. 
with the condition to get rid of XXXX loan, now there is no incentive to keep the property now if that is the case, and let the property go into forclusre anyway, and that defeat the whole purpose of HOME AFFORDABLE ACT, now bank americaplaying game and Deceiving tactics in order to collect this bad loan to begin with, I reached to Bank excutive office, and was told the lien was approved to be released, but they do not say why, simply do not know .///???? ( in XX/XX/XXXX bank of america was releasing $ XXXX XXXX loan liens. that was XXXX of them, they do not know what happened, the loan was a XXXX balloon that carried a prepayment penalty, and term of the loan are unknown, because a copy of the prepayment penalty rider was not provided, this type of loan considered as predatory by US General accounting officebecause of ballon component, prepayment penalty and high debt to income ratio of 70.16 % .edAt last : i am trying to resolve this matter and receive a final reconvene of XXXX loan, as i can not afford, i have no job and i was self employed and lost my business and do not have any saving or financial resources and have very bad health condition due car accident, but b o a is giving me a ran around, and telling me they do not care ifmy first loan is underwater, or being modified or even goes to foreclosure. 
I hope Bank of america waive the XXXX loan due to no value or equity into XXXX and XXXX loan of the property. ( according to making home affordable act ). 





XXXX
Product: Vehicle loan or lease

Credit Acceptance Corporation makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. CACs loans carry exorbitant interest rates, are loaded with expensive add-on products, and saddle borrowers with debts that even CAC believes the borrowers often can not afford to repay in full. CAC aggressively markets itself as an alternative for consumers with limited credit options and touts its loans as a way for consumers to build their credit and gain financial freedom. 

I'm affected by Credit Acceptance Corporation shady tactics. In 2018, my car was totaled due to an accident. Credit Acceptance sent me a settle for less offer on the remaining balance. They gave me a date that the payment was due, just to send my balance to collections before the payment date. This caused my credit to drop XXXX. The multiple times i called, each representative told me that there's nothing they can do since its now on my credit report. I just learned of the class action lawsuit filed in New York against this company. This is the reason for my formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see CFPB Compliant ID XXXX and my response : I did not get satisfaction nor were anyone from XXXX XXXX XXXX ever available to take my calls or to return them. I want the CFPB to see the response from XXXX XXXX XXXX and note under the bullet points, XXXX XXXX of XXXX XXXX XXXX states : " Your Chapter XXXX statement of intent lists XXXX as 'retain and pay ' ''. I did this and I paid off the carload early which should have been reported to all the credit bureaus. I was never late in paying off the loan and in fact, paid it off months early. If I had not paid it off, XXXX would have repossessed the car. The fact that I told them I was keeping it and acknowledged the debt by paying for it ahead of the the 72 month requirement is evidence enough that I should have a positive report off this on my credit report and I ask that the CFPB INSIST AND REQUIRE XXXX TO LIST THIS POSITIVE CAR PAYOFF ON MY CREDIT REPORTS.
Product: Debt collection

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts I have made numerous attempts to have a fraudulent collection from COLLECTECH. removed from my credit record. The account number is XXXX. Despite submitting an affidavit, a police report, and an identity theft report, both XXXX and XXXX have been unwilling to remove it from my credit history. This fraudulent loan is negatively impacting my credit score. This incident occurred as a result of my phone being stolen, which led to identity theft. 

Remove this account from all three reporting credit bureaus : XXXX, XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires appeared on my credit report from the unauthorized use of my social security card. I did not initiate this.