23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please accept the attached segments of the 39 page complaint with exhibits. 

This matter requires a substantial investigation. The information provided supports inappropriate activity by a lawyer/collection firm who MAY be a part of a larger scam preying on elderly. 

This also involves a property management company XXXX XXXX who has admittedly partnered with XXXX. These 3 entities have : -Solicited me to auto pay through XXXX XXXX have issues that the automated structure fails, generated penalties and then goes to collections who charges thousands of dollars instead of resolving the problems ( requested numerous times ). 
-After the collector arranges for the XXXX to NOT ACCEPT payments, despite the automation was not functioning, can not accept even manual payments, the collector alleges that no payments can be made to the association as will not be accepted yet does. 
-After the system would not accept payments, I did as advised and generated paper payments and paid months in advance. I then posted payment through the end of year XXXX and further posted annual payments to generate in XXXX for XXXX. 
-The collector apparently has attached my property and potentially blemished my flawless credit, stating that I have not made payments. I HAVE included the statements to prove payments are made in full, NOT paying the alleged late fees and legal fees. 
Both of my XXXX and XXXX attorneys have told me this is a scam. I have provided 9 hours of work TO ORGANIZE these attachments. 

IMPORTANT... There is a statement from XXXX admitting, " the management requested that the properties be blocked and that they were blocked effective XX/XX/XXXX and XXXX. THE PROPERTY WAS ACCEPTING PAYMENTS IS CORRECT, UNTIL THE RESTRICTION WAS PLACED LATE XXXX ''. This in itself quashed the collectors allegation and encumbrance. 

I STRONGLY believe that this is premeditated and structured to take advantage of the citizens of which are mostly elderly. I noticed that the collector handles such enormous money that they are required to be audited frequently. I do not recall where I read this.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 18681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. {$21000.00} written off. {$19000.00} past due as of XX/XX/XXXX XXXX
Product: Debt collection

I have asked XXXX XXXX XXXX for proper validation of debt NUMEROUS of times. The company 's responses have been copies of an old bill. Their responses are not proper validations of that debt. I have explained to the collection company that the debt is not mine and that I was with another carrier at the time of the date of the computer generated bill. Because I have had numerous fraudulent accounts pop up on me, I have an extended 7 year fraud alert currently on my file with all three Credit Bureaus. I am fed up and will have to judicially file against this company for allowing this fraudulent account to be connected to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a two part complaint ... one the credit reporting agencies such as XXXX XXXX, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. On XX/XX/XXXX scores reporting XXXX XXXX, XXXX XXXX XXXX, equifax XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, XXXX XXXX, equifax XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last year XX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collections XX/XX/XXXX and reported to equifax. I started making payment beginning XXXX to XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported on XX/XX/XXXX score XXXX a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.
Product: Credit reporting, credit repair services, or other personal consumer reports

UMB Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked UMB to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX XXXX XXXX XXXX. I am complaining again because I was not satisfied with any of the responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureau to remove the unauthorized inquiry and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap. 
I found some incorrect accounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a XXXX  XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3XXXX # XXXX 4XXXX # XXXX 5XXXX XXXX XXXX # XXXX 6XXXX # XXXX 7XXXX XXXX # XXXX 8XXXX XXXX XXXXXXXX # XXXX 9XXXX XXXX  # XXXX THERE ARE SEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASE DELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting

The reported address on my credit report have a MD address that does not belong to me. I have never lived in MD before. Ever. It 's incorrect and I want it removed.
Product: Mortgage

Received a letter concerning refinancing my VA home loan. The letter stated that it was a pre-approved loan. It gave specific numbers concerning dates, interest amount and cash out amount. It also stated that it was a firm, guaranteed offer. 
Almost from the beginning of starting the process, everything began to change. The interest rate, the closing date, the cash back amount all changed. I discussed this with them and they offered ways to manipulate the numbers to get me more money, including skipping payments and discounting fees. 
It eventually became clear that it was a classic bait and switch but by that point I had paid for a VA appraisal and termite inspection. 
I notified them that I was cancelling and requested they reimburse me for my costs, which they refused. 
They denied the facts of the letter they sent and requested a copy, which I sent them but basically said to bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance Navient is sending to the credit bureaus are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Consumer Loan

I leased a vehicle from ALLY, paying all payments on time. In turning it in, ALLY lost the vehicle for several months. It sent me a final invoice that included rent for the months that the vehicle was lost, excess wear, mileage and excess taxes that ALLY paid incorrectly. I disputed the charges but ALLY could not provide back-up evidence, including the odometer statement showing mileage on surrender of the vehicle. Instead, collection calls immediately started-night and day. I discussed settlement of the invoice and I was told that would be possible. I sent an Accord and Satisfaction with a check that was immediately cashed, but aggressive and illegal collections resumed, including reporting to the XXXX credit bureaus. I called the ALLY CEO and General Counsel, but they will not return my calls. I sent them a letter advising that the company was violating consumer protection laws. I copied the executive compliance officer. The amounts due are inaccurate and collections violate the Accord and Satisfaction accepted by ALLY. One of the terms of the agreement was that I would retain a positive credit rating. The vehicle was turned in properly and all payments were made. ALLY is violating the terms of our agreement and State and Federal Consumer Protection laws. These intentional violations are a result of a " tone from the top '' of the executive leadership, including the CEO, General Counsel and Compliance Officer.
Product: Debt collection

On XX/XX/XXXX I spoke with XXXX at Valley Collections regarding the validity of the utility bill as I was trying to recall what occurred from when I moved out of a home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount was over {$2500.00} I had utilities with XXXX in XXXX and with XXXX  XXXX XXXX. I was confused on this bill that appeared on my credit. I have called several times speaking with Valley Collections  to resolve this. 

XXXX informed me to settle this account with XXXX XXXX XXXX their client. I called XXXX went over the account with her and informed her I had a move out date of XX/XX/XXXX. I am trying to determine the validity of the debt and what occurred. That I would like to settle this debt based on my circumstances. 

She said that I have to discuss a settlement for the debt with Valley Collections if they agree to do this. I called XXXX back today XX/XX/XXXX at Valley Collections was informed it would be XXXX XXXX XXXX the client to approve. She said she did send over my letter for the debt validation to them and the offer I made. She did not get a response. 

XXXX asked I send the proof of my move out date and the settlement offer letter to her email. She will again send this over to XXXX XXXX  XXXX to see if they approve she said if they accept the offer they can agree to take the payment for the {$1600.00} I offered. 

In review of my bill the average is XXXX XXXX {$40.00} per month for a sewer at the time I lived at the residence. I was charged past my move out dates with any recollection I do not know what happened. XXXX XXXX  XXXX continue to charge me from XXXX of XXXX XXXX. 

I have been sent from Valley collections to XXXXXXXX XXXX XXXXXXXX back and forth several times while trying to find a resolution. 

I have attached emails, letters, and the proof of my move out dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listen, I'm not sure how to handle this anymore but I've sent several letters both to the credit bureaus and the original creditor that I've never signed any documents about this debt and I've sent signed affidavit notarized confirming that it's not my account. Please remove this account. Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report.
Product: Mortgage

Regarding : Regions Bank and XXXX XXXX XXXX Home LoansTo whom it may Concern ; We first listed our home at the previous address listed above in XXXX of XXXX. We had it listed with XXXX XXXX 's for over a year at multiple different prices and we unable to sell it. We then tried " For Sale by Owner '' and their broker, XXXX XXXX 's ; again at multiple different prices and again to no prevail we were unable to sell it. 
We then listed our home with XXXX XXXX and had it listed for a " short sale ''. Originally we listed our home for {$370000.00} back in XXXX of XXXX ... .over the years we had continued to lower the price to {$210000.00}, well below what we owed on our combined mortgages with the XXXX banks of Regions and XXXX XXXX. ( We continued to lower the price XXXX % every two weeks until we got an offer that we can submit to the Banks. ) To give you some history on why we were trying to sell our home. We moved to XXXX XXXX, ( between XXXX XXXX and XXXX ) in XXXX of XXXX. This move was based on the company I was working for at the time decided to relocate their corporate offices to XXXX XXXX. This timing happened to be at the peak of the housing market when price were inflated. I later changed jobs and with the new company I have had to work from home and travel since our company was based in XXXX. This new company wanted me to relocate to XXXX but we were unable to because we were n't able to sell our home. During XX/XX/XXXX my company decided to sell and I would be losing my job. This finally happened in XXXX of XXXX and I became unemployed. Our monthly bills went up due to the cost of living in XXXX and with unemployment rates high and jobs hard to find in XXXX I started looking for a job anywhere. I got lucky and found a job in XXXX XXXX. Making well less than what I was making previously, but a job is a job in today 's world ... .. 
We had tried everything possible to sell our home. I have talked to both the Banks ' Loss Mitigation Departments and they would not work with us until we were delinquent 90 days on our payments. Additionally they would not advise us on our repayment options ( since we were current on our payments and not past due ) or whether they will accept or deny any offer we may receive. 
We talked to several Rental agencies in the area but our combined monthly mortgages are well over the average rental prices for the area. 
In XX/XX/XXXX we were forced to relocate our family XXXX states away for a new job and had no option except to " short sale '' the property. We have left the home unoccupied as of XXXX XXXX to relocate. 
Finally on XXXX/XXXX/XXXX the home sold. Attached are the final HUD-1 statements that both Regions Bank and XXXX XXXX XXXX agreed to. Also attached are the Court orders dated XXXX/XXXX/XXXX from the Circuit Court for XXXX County, XXXX, stating the Banks voluntarily dismissed their Foreclosure process. 
Based on this evidence that home was Sold and did not go into Foreclosure we request that our Credit Reports, Score and standing be updated to reflect this. 

Thank you for your time in the matter .... 
XXXX and XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I bought the car XXXX XXXX XXXX XXXX XXXX. The car was financed via loan from XXXX XXXX XXXX On XX/XX/XXXX I fully paid off the loan as evidenced by statement of termination from XXXX XXXXXXXX XXXX and also letter of confirmation dated XX/XX/XXXX ( 5 years ago ). 

On XX/XX/XXXX I decided to sell the car and applied to Florida DMV for the title. They informed me that the car has a lien from Ford Motor Credit Company XXXX XXXX and that I need to contact them to remove the lien. I reached XXXX XXXX XXXX at the phone XXXX XXXX XXXX, the operator informed me that that there do not have any records of lien and will issue the letter to remove it and it would take 3-5 business days. I haven't received the letter in this time frame and called again on XX/XX/XXXX, this time they promised to send the fax with lien release, again nothing happened despite the fact that it was promised to be sent in 2-3 business days. Today, I called them again and they promised to send the letter again. 

I'm incurring cost as a result of unlawful actions of Ford Motor Credit Company ( they have no rights to stop me selling my property and repeatedly not acting in a good faith to resolve their negligence ), I bought a new car and now have to pay extra parking XXXX dollars per day, car insurance around XXXX dollars so far, and interest for the loan for the new car since I can not sell the old car and repay the loan for the new car. Also the value of the car might change due to delay. 

Actions of XXXX XXXX causing me considerable financial and emotional distress. Also I would like to ask regulator to inspect dealing of Ford Motor Credit with other consumers since this might be the case of systematic unlawful actions towards consumers and an example when a big company abusing small consumers systematically.
Product: Credit card

Wells Fargo declares a cancellation after XXXX, but they continue to charge and offers a settlement offer for {XXXX, but never closed that account and continues to charge more fees. 

I request the removal of this account from my credit report since you are reporting incorrect information on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 I STARTED LOOKING INTO MY CREDIT. I WAS LOOKING TO OWN A HOME START A BUSINESS. AND DOING SO, I HAVE BEEN LET DOWN WITH THE SERVICE THAT WAS GIVING AND THE RETURN NOTHING WAS EVER DONE. I HAVE PAID FOR PRODUCTS AND SERVICES I WAS UNHAPPY WITH. I STARTED APPLYING FOR CREDIT KNOWING MY SCORE WAS ABOVE GOOD XXXX. THE LETTERS I GOT STATED MY I WAS NOT GIVING CREDIT. WOW! SOME DID APPLIED FOR A CREDIT CARD AND USED IT TO THE MAX. 
TO THIS DAY, ALL THREE BUREAUS AND ANY OTHER BUREAUS HAVE NOT CORRECTED ANYTHING I HAVE REQUESTED. 

PLEASE NOTE : I HAVE CONTACTED THEM BY PHONE AND ONLY ASKING TO SPEAK TO SUPERVISORS. TO THINK THEY WOULD GET THE JOB DONE ON MY SIMPLE FILE. I GAVE ALL THAT WAS REQUESTED, POLICE REPORT, ETC ... 
I HAVE EVEN MAILING LETTERS. NOTHING! 

IT IS NOW 2 YEARS LATER STILL NOTHING WILL MY CREDIT REPORT EVER BE DEALT WITH IN A TIMELY MATTER.