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

In accordance with Fair Credit Reporting act XXXX XXXX XXXX  XXXX has violated my rights. In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. In accordance with Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 
In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. In accordance with Fair Credit Reporting act 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. Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX phone number about section 611 when all of my inquiries were removed and then put back on later but I never received the letter I should have received within 5 days at all.the person I spoke with was totally rude and uncooperative with me.this is totally unacceptable of a person in his line of work. 
the inquires are as followes. 
1. XXXX XXXX 3 times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX   XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX   XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX14. XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXXXX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22.XXXX XXXX XX/XX/XXXX 23.XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am unfamiliar with this agency, as I have never entered into any agreement with them. I requested evidence of an assignment contract or any documentation that I have signed any agreement with this company. I have not been supplied with any proof under the doctrine of Estoppel by silence, Engelhardt v. Gravens ( mo ), 281 SW 715, 719, I assumed no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

My current house was financed through XXXX XXXX, and I have been with them for almost two years. I was always on time with my mortgage and never missed a payment. I put my mortgage on auto-pay, and the money comes out of my account every 1st of the month. However, the company XXXX XXXX XXXX XXXX transferred my loan to a new company called Carrington mortgage services , LLC . I went on leave out of the country from the end of XXXX to XX/XX/2023 ( I have my military leave form to prove it ). I was away for almost two months. I came back on XX/XX/XXXX. So today, on XX/XX/XXXX, I was expecting the mortgage to be taken out of my account, which did not happen. So I started going through my transaction history when I noticed that XXXX, XXXX, and XXXX payments were not made, so I immediately called the XXXX XXXX mortgage, who transferred me to the Carrington mortgage services , LLC . They said they have been trying to reach me through the phone, but there has been no response. So they went ahead and submitted a bad credit report that will affect my credit score in the future. The fact of the matter is that I never received any calls from them, and when I found that there was an issue Immediately called to solve the issue. I tried to avoid missing payments, so I set an auto pay. I want this negative credit report removed from my credit because I did not intentionally miss my payment ; I thought the payment was still going through until I found out today that it was not. I immediately called to fix the situation. There was a communication problem during the transfer between the two mortgage companies, and it would be unfortunate for me to be penalized for something I did everything to prevent. I appreciate your consideration
Product: Credit reporting or other personal consumer reports

Last XXXX I was a victim of fraud by obtaining a car loan check to purchase a vehicle but the check was cashed and I never received the vehicle. I informed the bank of this right away but was informed nothing they can do since the check was cashed and I was the guarantor of the car loan. So I am out of XXXX XXXX and have not vehicle. I have been communicating with XXXX XXXX about this and they made it very difficult to send them information and receive information. No one has taken the time to hear my story. You have to wait on the phone que for 2hrs, its a national crime and it seems like they are not doing anything to help members, in which i been a member since 2013. I followed all necessary steps to state my case in which I had to fill out there Declaration of Forgery/Fraud form, the form was filled out, but only to received a letter 30 days letter stating I am responsible for the XXXX XXXXXXXX loan. In order for me to file a police report I needed the form to give to the Police Department. 

I requested a copy of the Declaration of Forgery/Fraud form but was informed I needed a subpoena from the Police Department XXXX I am only able to receive a subpoena once I have a court date. I need the form to send to the police report to file a police report. XXXX XXXX was not helpful and refused to send me back my original documentation that only has my personal information on the phone.
Product: Debt collection

I asked XXXX XXXX XXXX for a discount on my automobile insurance they stated that they did not have any discounts, so I obtained another insurance company XXXX and told XXXX I do not owe you money they sent notice that if I showed them my Declarations page they would delete the purported money I owed them I do not have to send them any more of my personal information I do not have insurance with them any longer. So this what I received in the mail in XXXX. I do not have an account with this company. This is IDENTITY THEFT pursuant to 16CFR 603.2. I have contacted this DEBT COLLECTOR. I am feeling upset, about this and I try to sleep but ca n't do that much because of my Credit Report being torn apart just because when I want to secure things for my personal, family or household use, I have intruders trying to steal everything I have in the name of DEBT COLLECTION I did not give my permission for this DEBT COLLECTOR CREDIT COLLECTION SERVICES to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR CREDIT COLLECTION SERVICE to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I do not know how this DEBT COLLECTOR Obtained my non-public private information which is a GRAMM LEACH BLILEY ACT violation. This is IDENTITY THEFT pursuant to 16CFR 603.2. This DEBT COLLECTOR CREDIT COLLECTION SERVICES is trying to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR CREDIT COLLECTION SERVICES, this is aiding and abetting fraud on the Consumer who is a natural person. I do not know where they got some figure saying I owe them they are strangers into my private affairs. 
This Debt Collector has violated and harmed my consumer natural person according to the Fair Debt Collection Practices Act ( FDCPA ) pursuant to 15USC1692c, d, e, f, g, and j respectively. Because of this CREDIT COLLECTION SERIVES DEBT COLLECTOR is subject to 15USC1692k and it must be paid so they will not make this mistake again with a natural person consumer.
Product: Checking or savings account

I opened a checking account XX/XX/2023. I deposited a XXXX of Maryland check of {$100000.00}. I received a hold email that a hold is placed on my check until the XXXX of XXXX. Come the XXXX of XXXX they still didn't release the hold. I spoke with support and they told me the check is cleared and I will be able to access my account on the XXXX due to the holidays, okay fine. Come the XXXX of XXXX, I wasnt able to access my online account. I called support spoke to a XXXX about what's going on. This XXXX told me I'm pending closure and because my account was technically closed the day after my deposit was then returned to the State of Maryland ( which ended up being an entire lie because I spoke with the State of Maryland after speaking with the XXXX that it was indeed paid and deposited on the XXXX of XXXX. ) So after I called the branch nearest me to see if I can come to the branch and get my money. He called me back and said they already started processing the check and it'll be set out but couldn't even give me a time frame. I called XXXX separate times since to check on the status- everyone keeps telling me there's no set time for my check to be set out. What kind of craziness is this? I called again today hoping I would hear something different and this time I did... The gentleman told me I wouldn't receive my check for another XXXX months!!!! Oh absolutely not. I have funds that are rightfully mine there's no reason it takes that long. I will lose everything if it takes that long all because of his bank that decided to close my account without notifying me nor allowing me to pull my money out. This is wrong. Absolutely wrong. I'm hopeful you can help me retrieve my funds faster PLEASE!
Product: Debt collection

A 3rd party company is trying to collect a debt from me that was opened on my credit report of XXXX of this year. They are reporting themselves to be a debt buyer. The issue is that I have no knowledge of this debt as I do not have any credit card accounts and never have done business with XXXX XXXX XXXX 

I requested the debt be removed from my credit report via XXXX but they validated the debt with no proof or cause. 

I am now writing this complaint as I have not received any debt validation letter proving that this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX ACCOUNT # XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Checking or savings account

Chime abruptly ended my account for no reason at all. They claimed my account may not have been in compliance with certain terms of the Deposit Account Agreement, yet they refuse to give me a specific, legitimate reason as to why my account was closed so suddenly. Not to mention that the funds on account might not be received in the mail for up to 30 days. Is it anything I can do? At this point I was just to be able to access my funds immediately instead of having to wait 30 days. My business with Chime is done, which is unfortunate because I have been a Chime member for a couple of years now.
Product: Mortgage

XXXX and XXXX XXXX were approved for a loan modification through Wells Fargo to save their home. 
They were reviewed and found eligible. They adhered to the modification agreement and completed trial period payments in a timely manner according to the stipulations. 
Wells Fargo mailed a letter dated XX/XX/2019 advising they are closing the modification due to title issues. 
This is ambiguous and unreasonable. 
Wells Fargo offered {$300.00} and apologized for the oversight. 
When trying to contact Wells Fargo for some details or resolution, no one can provide an explanation.
Product: Vehicle loan or lease

I arranged a payment for my vehicle and the operator assured me that I will not get a late payment reported on my credit report because I completed a promise to pay and set up my account information so that the funds will be taken out of my account and they still reported a 30 day late payment on my credit report I asked them if possible to remove because someone told me from their team that I will not receive a penalty because I set up a promise to pay. They denied to remove the penalty. Ive been calling them for a week and after I provide my information so someone can access my account they hang up the phone on me. Ive been trying for at least a week. My payment was due on XX/XX/XXXX but because I was experiencing financial issues my pay date fell on XX/XX/XXXX which I stated to ally auto which caused my credit score to  drop 78 points I believe. And since XX/XX/XXXX Ive been calling and I havent spoken to a representative from ally auto yet
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  XXXX XXXX XXXX XXXX
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. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX has violated my rights. 

Credit bureaus reports XXXX XXXX repossessed the loaned vehicle and the vehicle was paid off. This statement is contradictory. 



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 an 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

I had an account with XXXX for many years, it had been enrolled in autopay and my XXXX XXXX card was charged on XXXX, of each month for the current billing cycle. ( XXXX uses a " Billed Current Cycle '' ) The bill is due XXXX  day before the end of the current cycle, the last auto payment was made on XX/XX/XXXX. This was intended to cover the entirety of that billing cycle ( XX/XX/XXXX ). I transitioned service to XXXX effective XX/XX/XXXX. Consequently, my account with XXXX was canceled. 

I recieved a bill in XXXX for the XXXX billing cycle which I ignored as I wasnt their customer anymore, I figured it must have been sent out in error, when I recieved another letter in XXXX stating that I was now late, I reached out to XXXX for clarification on this erroneous charge. I was then informed that because my account was cancelled they couldnt help me and I needed to speak with " XXXX Customer Relations '', when I asked for a number I was told they dont have XXXX, when I requested an email I was informed that the only way to communicate with them was via XXXXXXXX XXXX 

I sent them a letter on XX/XX/XXXX he letter I sent to XXXX making my case on asking why am I being charged this must be a mistake as this is for the month past cancelation, I asked they either remove the charge or explain why they are charging me. 

Their response on XX/XX/XXXX didnt provide any explanation rather they wrote that due to not having paid they were sending it to collections. 

I opened a dispute with all the XXXX credit bureas providing the following documentation : - My XXXX XXXX statement and last auto payment on XX/XX/XXXX. 
- My service beginning with XXXX on XX/XX/XXXX which effectively cancelled my XXXX service. 
- My letter to XXXX presenting my case on XX/XX/XXXX and requesting clarifiaction. 
-And lastly their response ( not addressing my points ) on XX/XX/XXXX. 

XXXX and XXXX have subsequently removed this erroneous collection from my record. XXXX still has it on file.
Product: Debt collection

I have debt collections with XXXX XXXX a loan & a opened credit card account & none of those were opened to by me to my knowledge this isnt my first event with identity theft
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX This illegal account that I have disputed with Equifax and XXXX needs to be removed ASAP under FCRA, FTC and illegal unauthorized operations. I never lived at aparmtnet # XXXX which I have stated this whole year. Attached is a copy of my drivers license showing my address. Equifax and XXXX has it as apartment # XXXX and I never lived in that apartment. Someone stole my information but clearly with said documents and copies of my drivers license i live in apartment # XXXX. these fraudulent items need to be removed asap. 

The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX  {$140.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  XXXX {$13.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my XXXX amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent Collections XXXX XXXX  LLC- {$460.00} XXXX XXXX XXXX- {$620.00} Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX 2022