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

I have checked my credit report that the account from XXXX XXXX ( XXXX ) contains erroneous information. The account states that I made late payments on this account. this is incorrect! The lease that is the subject of this account is an automobile lease that ended on XX/XX/XXXX. All payments pursuant to the terms of the leaser agreement were timely made. 

There is an amount that XXXX XXXX is alleging that I owe that I'm not agreeing with. There was no agreement between XXXX XXXX and me to pay the amount alleged to be owed by XXXX XXXX on my credit reports. Pursuant to XXXX XXXX ' publicly posted information, the company is to send the " XXXX XXXX XXXX '' " up to XXXX days after your vehicle has been returned XXXX XXXX XXXX XXXX 

I turned in my leased vehicle to XXXX XXXX on XX/XX/XXXX. I received a call from XXXX XXXX approximately XX/XX/XXXX asking me to turn in the vehicle that I had turned in 4 month prior. It was not until XX/XX/XXXX that XXXX XXXX sent me a notice advising me of an amount owed for those months. XXXX XXXX clearly did not know where the vehicle was for XXXX months after I turned in the vehicle. 

I have repeatedly contacted XXXX XXXX but have been consistently told that they are unwilling to do anything. XXXX XXXX is listing the account as having late payments/Chargeoff thus negatively affecting my credit report. I have attached copy of the certified mail I have sent to all 3 credit bureaus.
Product: Debt collection

Stellar Recovery Inc Keeps calling my cell phone too frequently at all times of the day for a debt that was a fraud account and was not my account. They need to cease with this activity
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I am writing to disputed hard inquiries on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize theses ha inquiries and can not find any permissible purpose under this section that justifies their presence on my credit report. 

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX OF XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 



Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Bank account or service

On Friday ( XXXX/XXXX/16 ) I went to a Key Bank location close an account on behalf of my deceased mother. I had all the appropriate legal documents to close the account. The nice Key Bank employee informed me they could not close the account because the " system '' was down. The Key Bank employee had no idea when the system would be functional again. I called today ( XXXX/XXXX/16 ) and Key Bank 's " system '' is STILL down! So I still can close the account. The Key Bank employee I spoke to today ( XXXX/XXXX/16 ) says they STILL have NO IDEA when the system will be functional. Almost unbelievable that the system would be down this long!
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$2500.00} Date of XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX, 2023 CAPITAL XXXX Sep. XXXX, 2023 CAPITAL XXXX VIA DEALER XXXX XXXX, 2023 CAPITAL XXXX VIA DEALER XXXX XXXX, 2023 XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 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: Debt collection

We had paid the account over a year ago with a cashier 's check and had not received any bills so assumed the account was closed. XXXX XXXX from Evergreen Professional Recoveries contacted me at my work. I explained the situation and she was very aggressive. She said if I did not pay the bill with a credit card over the phone she would immediately report to the credit bureau. She proceeded to yell at me and be abusive accusing me of lying. I immediately called the company which we owed the bill to and will be paying them directly. It was completely unacceptable behavior.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a dispute with Equifax regarding inaccurate and unverifiable information on my credit report. The disputed accounts include : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Despite providing supporting documentation and clearly explaining the inaccuracies, my dispute was erroneously classified as " frivolous '' on XX/XX/year>, and the credit bureau refused to conduct a proper investigation. This is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires credit bureaus to investigate any disputed information unless the dispute is without merit, which is not the case here.

In addition, I requested specific details of the verification process, as permitted under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). However, Equifax did not provide me with this information or demonstrate that it conducted an adequate reinvestigation. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be removed from the credit report, but these accounts continue to appear without verifiable evidence of its accuracy. 

This lack of a reasonable inquiry and refusal to provide verification evidence has negatively affected my credit profile. This has caused unwarranted financial harm, as well as being in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which requires creditors and furnishers to ensure the accuracy of reported information and conduct full investigations when disputes arise. 

As a result, Equifax has breached its legal obligations, affecting my credit history and denying me my rights as a consumer under the FCRA. 

Recent Legal Precedent On XX/XX/year>, the CFPB imposed a {$15.00} XXXX fine on Equifax for failing to adequately investigate consumer disputes and for ignoring consumer-provided documents. This precedent highlights the importance of strict compliance with the provisions of the FCRA and ensures my right to demand fair and documented verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX  # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1692 section C : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX  postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Consumer Loan

XX/XX/2015 I wanted to purchase a vehicle but unfortunately my credit was n't sufficient for a " regular loan '' which landed me with a high interest rate finance company ( Reliabe Credit Association ). From XX/XX/2015 until present date my experience has been pure angony. My account is current and never missed a payment. However, when I call regards to my account one manager in particular ( XXXX ) has a derogatory disposition and use abusive language. When I ask to speak with his supervisor he said " I 'm in charge ''! At this point I 'm considering returning the vehicle just to avoid future problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer. I am the natural person who is protected by the US Constitution and State Constitutions. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a resident of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For He is my Creator. XXXX XXXX XXXX No weapon formed against you shall prosper, and every tongue which rises against you in judgment, You shall condemn. This is the heritage of the servants of the XXXX, and their righteousness is from me says the XXXX. This complaint is against US BANK, XXXX XXXX XXXXXXXX, XXXX, XXXX by me, XXXX : XXXX Date of Live Birth is XXXX XXXX  XXXX. US BANK has flagged a closed account in our name. We sold our house in XX/XX/XXXX. US Bank is alleging we voluntarily foreclosed on our home. US Bank and XXXX XXXX are making adjustments to unlawfully created accounts in our name. US BANK and XXXX XXXX  have made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my husband. US Bank did not disclose these recent flags or changes to the accounts to us nor did they have our consent to report to ANY consumer reporting agency or make adjustments to any accounts in our name. US BANK and XXXX XXXX have unlawfully used our identification information to commit fraud violating 18 USC 1028 and 18 USC 1028A and15 USC 1681b ( 2 ) 15 USC 1365. 15 USC 1693l. 18 USC 1341, 1342,1343, 1345,1346, 1348, 1349, 1350, 1351. 26 USC 1031, 15 USC 1693h, 15 USC6821, 18 USC 2332b. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in attempt to defraud the United States and Internal Revenue Service as well as myself and my husband XXXX XXXX. In my most recent update from XXXX, my notifications showed US BANK flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The deed was sold to Open Door to avoid the continuous harassments and abuse from US BANK and XXXX XXXX. The threats, harassments and abuse caused us personal injury to ourselves, our children and our personal property. US BANK and XXXX XXXX  listed us as tenants in their unlawful/Illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both US BANK and XXXX XXXX They deceived us but the proof is in the sale. The documents we retained to sell our home required signatures of the OWNERS, Myself and XXXX XXXX. The consumer reporting agencies failed to verify accuracy of the provided information before the adverse affect of lowering our credit score XXXX points both times. XXXX and XX/XX/XXXX. US BANK XXXX XXXX  XXXX XXXX XXXX are guilty of frauds and swindles, Identity theft, Aggravated identity theft, Failure to protect customer information of financial institutions and so much more.
Product: Debt collection

They are calling ever contact numbers regardless of who it is. Telling them that if I ca n't be found they will track me. I called the company and they are trying to get me on a XXXX credit card from XXXX that was paid in full in XXXX
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 XXXX  : XXXX, XXXX/XXXX  : XXXX, XXXXXXXX  : XXXX, XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX 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 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: Mortgage

The company holding my mortgage is Select Portfolio Servicing , inc . 

My mortgage payment amount will be increased in XXXX due to increases in property taxes and homeowner insurance. Hence, there will be a future shortage in my Escrow account for XXXX. 

I want to make the additional payment for the shortage for the upcoming year, but the company refused to give me that option. They are going to increase my Escrow payment instead of giving me an option to pay for the difference. 

I tried to call them, but they kept telling me no and that I could not pay for the difference. Other mortgage companies always give me the option to either pay or add to my mortgage, but this is the first company that never gives me the option. I want to keep my mortgage the same by paying the difference instead of adding on the mortgage.
Product: Debt collection

Email below that was sent to AMEX " To Whom It May Concern, I received an offer in the summer of XXXX  ( around XXXX or XXXX ) to pay off the balance of my American Express Platinum Business Card ( Account Ending : XXXX ). The offer was that once the card was paid, it would be reinstated with a credit line of XXXX. During that time, I was in the midst of a move and did not receive any physical mail, so I could not read the terms and services. 

In each communication with the representative, the agents confirmed that this debit was only related to this account. Although I had another card that had been charged off, if I paid the balance on the AMEX Platinum Business Card ( Account Ending : XXXX ), this card would be reinstated. 

After I received the email confirmation of the offer, I saw that it stated dependencies on other accounts being paid off. I quickly called the agents, and they confirmed that this was just the general language and that it did not apply to my case. They also confirmed that if I paid just this card ( Account Ending : XXXX ) off, it would be reinstated. 

I took the agent 's oral communication as binding and proceeded to authorize the payment. However, after paying the debt and waiting for the allotted period, I was notified that renewal was not possible until my other balance was paid. 

I have been speaking to the team at XXXX for months, requesting that they have the backend and dispute team listen to the call logs. Multiple agents stated that payment of the single card for reinstatement is a binding offer and must be adhered to. 

After many communications with XXXX XXXX, he said the only way for the team to review the call logs from late XXXX to XXXX is for me to send a written communication to request this. Therefore, I am formally requesting that a further complaint be raised for Ref # XXXX and that the call logs be reviewed. I am requesting that the AMEX Business Platinum ( Account Ending : XXXX ) be reinstated based on the oral confirmation of the American Express agent. 

The Fair Debt Collection Practices Act states that deceptive means can not be used to collect debt and that oral communications have binding merit. The agents used deceptive practices to state that my AMEX Platinum business card would be reinstated regardless of the balance held on my other AMEX Gold Card. They specifically used language to deceive me and clearly stated that the offer would be granted if this single debt was paid. 

This practice of deceit by multiple agents will not be ignored. I hope that you review the file quickly and reinstate the AMEX Business Platinum Card within the next 30 days. 

I have also submitted a complaint to the Consumer Financial Protection Bureau and will be seeking legal counsel to have this matter handled through other government agencies if it is not resolved promptly. '' Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

They continuously call every day before XXXX and after XXXX. I have asked them repeatedly not to call me at those times. When I answer their calls, there is no one on the other end, it takes around 5 seconds or longer for someone to actually answer. If I try and call back they are rude and harass me.