23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like to verify my debt and therefore I am writing to request an itemized bill for the XXXX XXXX or treatments associated with my account. I want to verify the accuracy of the debt and understand the details of the charges. Also I ask collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Product: Credit card

XXXX was for a XXXX XXXX XXXX XXXX XXXX  and it fell apart and got payment from Home Depot warrenty and mailed it and they dont have a way they are saying to settle the account that Home Depot warrenty sent me
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Update to Open/Never late 3. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 


5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXXXXXX XXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Account Number : XXXX Update to Open/Never late 9. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for Violations of the Fair Credit Reporting Act ( FCRA ) Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Phone Number : XXXX Email : XXXX Respondent : XXXX XXXX XXXX XXXX XXXX. 

-- - I. Summary of Complaint I am filing this complaint against XXXX for its blatant and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX has : XXXX. Failed to conduct a reasonable investigation within the required XXXX timeframe ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 

XXXX. Failed to notify me of the results of its investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ). 

XXXX. Failed to correct or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). 

XXXX. Reported inaccurate information despite clear evidence of errors ( 15 U.S.C. 1681e ( b ) ). 

XXXX. Engaged in unfair, deceptive, and abusive acts and practices ( UDAAP ) in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531. 

-- - XXXX. Detailed Explanation of Violations XXXX. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ) In XXXX, XXXX, XXXX, and now XXXX, I formally disputed multiple errors on my XXXX credit report. The FCRA requires XXXX to complete an investigation within 30 days. To date, XXXX has failed to conduct a reasonable investigation or resolve my dispute. 

XXXX. Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) XXXX is legally obligated to provide written notice of the results of its investigation within XXXX business days of completion. It has failed to do so. 

XXXX. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Despite overwhelming evidence proving errors on my credit reportincluding [ List Errors, e.g., incorrect late payments, fraudulent accounts, incorrect personal information ] XXXX has refused to correct them. 

XXXX. Willful and Negligent Reporting of Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) The FCRA mandates that XXXX ensure maximum accuracy. Instead, XXXX continues to report erroneous and damaging information, severely impacting my financial well-being. 

XXXX. Unfair, Deceptive, and Abusive Practices ( 12 U.S.C. 5531 ) Experians failures have caused significant harm, including denied credit opportunities, higher interest rates, and financial distress. This constitutes unfair and deceptive practices. 

XXXX XXXX XXXX. Relief Requested I request that the CFPB : XXXX. XXXX XXXX to conduct a proper investigation and correct all errors immediately. 

XXXX. Impose fines for XXXX noncompliance with federal law. 

XXXX. Require XXXX to disclose its investigative procedures and ensure FCRA compliance. 

XXXX. Award damages for financial and emotional distress. 

-- - XXXX. Conclusion Experians failure to comply with federal law demands immediate enforcement action. I urge the CFPB to hold XXXX accountable. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account 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 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.

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
Product: Credit card or prepaid card

My XXXX interest is essentially the same amount as my XXXX interest even though my balance is almost 200 dollars lower ... Customer service was abusive on XX/XX/XXXX, and demanded I send them a video of myself to update their information about me. I filed a complaint with the XXXX  about that, and requested my account closed. I am still being given the 3rd degree, having to comply with giving birth date, mother 's maiden name, etc., just to talk to them, and getting put on hold indefinitely and hung up on even though I am not being rude to them. Customer service has behaved this way in the past when I have tried to question why my interest rate is so high even though my payment history is perfect. My intention is to pay them, but it is unacceptable that my interest amount does not lower as my balance lowers ...
Product: Student loan

I understand that you are currently in the process of a lawsuit against Navient/XXXX From what I read, the lawsuits states that deferment was pushed by the servicer and the interests accrued where placed into the principal. This is completely true. I have {$12000.00} of capitalized interest since XX/XX/XXXX.
Product: Checking or savings account

I have a checking account at Ally online bank. 
The ally account was connected to my XXXX  account. 
My XXXX  account was hacked and someone sent money to the scammer, using the connected bank ( ALLY ), on my XXXX. Two transactions. 
Ally reversed the first transaction, but they refused to reverse second transaction for some reason. 
No reasonable explanation/reason was provided. 

Reversed TX : XX/XX/2023 XXXX XXXX XXXX {$49.00} But this one was not reversed Reverse-Rejected TX : XX/XX/2023 XXXX XXXX Future Amount : XXXX ~ Tran : XXXX {$99.00}
Product: Credit reporting or other personal consumer reports

After sending the XXXX XXXX XXXX of complaint about CNAC of XXXX Iowa XXXX XXXXXXXX XXXX XXXX loan office they replied the stating that they will remove the XXXX loan off my credit report as of today there's still {$8000.00} on my credit report they received XXXX some odd dollars on the total loss of the vehicle from XXXX XXXX XXXX XXXX and they said they will cover the rest of the odd loan because I paid close to {$4000.00} in payments on the loan and it comes out to be a XXXX vehicle that I paid {$13000.00} price tag on
Product: Credit card

XXXX XXXX XXXX  Balance {$500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$140.00} Balance updated XX/XX/2023 my indentity was stolen from a wallet at airport XXXX years ago with my social security card, birth certificate and identification cards
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 XXXX, XXXX, and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX and fraud within XXXX business days of you receiving this complaint. Reporting a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and data breach which is the result of XXXX XXXX and fraud. These fraudulent accounts consists of a credit card accounts from XXXX XXXX XXXX XXXX opened around XXXX 2019 and another one around XXXX  2018, one at XXXX XXXX XXXX XXXX  around XXXX  2016. An Auto loan at XXXX XXXX XXXX XXXX around XXXX  2018, and XXXX XXXX XXXX around XXXX  2017. These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to the FCRA and FDCPA. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX XXXX Complaint XXXX  ( 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

Harris & Harris sent me a text message notifying me that I owe them {$290.00} from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act : XXXX acct XXXX, has violated my rights 15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 a Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : 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.
Product: Debt collection

WAKEFIED AND ASSOCIATES IS A COLLECTION AGENCY WHO HAS BOUGHT THIS DEBT FROM SOUTHEASTERN EMERGENCY SERVICES. I HAVE NEVER HEARD OF THIS COMPANY AND REQUESTED PROOF OF THE DEBT, WHICH I NEVER RECEIVED. I HAVE BEEN DISPUTING THIS DEBT FOR OVER A YEAR.
Product: Debt collection

This company is trying to collect a debt i allegedly owe. Ask to be provided with validation of debt and company failed to do so violating my rights as a consumer. Violated my rights under 15 U.S. Code 1692e ( 11 ) and also 15 U.S. Code 1692 ( b ) Sec. 2. As well as 15 U.S. Code 1681b
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Midland Credit Management , Inc. for engaging in unlawful debt collection practices within the state of Florida without proper licensing. Additionally, they have initiated a lawsuit against me in my XXXX, attempting to collect a debt they do not legally own. 

Details of the Complaint : Debt Collector : Midland Credit Management , Inc . 
Court Case Number : XXXX Jurisdiction : XXXX XXXX XXXX XXXX  XXXX of Complaint : Midland Credit Management XXXX XXXX is not licensed to collect debts in Florida as required by state law. 
Despite lacking the required licensing, they have filed a lawsuit against me in an attempt to collect an alleged debt. 
They do not own the debt in question, yet they are falsely claiming ownership in an effort to enforce collection through the legal system. 
Their actions violate both Florida debt collection laws and the Fair Debt Collection Practices Act ( FDCPA ), as they are engaging in deceptive and misleading collection practices. 

I also attached prof that they do not have a Florida license to collect in this state and lawsuit document they filed agenst me.
Product: Debt collection

This account has been paid and I have a account with them I have a active card with them now. Im not understanding what going on.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Cease and Desist Demand for Collection Activities Account Number : XXXX Dear LVNV Funding LLC, I am writing to formally demand that you cease and desist all communication and collection activities related to the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact with me regarding this matter. 

This letter serves as my formal notice to exercise that right. Effective immediately, you are prohibited from contacting me at any time or through any means, including but not limited to : Telephone calls to my home, work, or mobile phone.

Written correspondence sent to my home or email address.

Any form of communication with third parties, including my employer or family members, regarding this matter.

Be advised that failure to comply with this request may result in legal action against your agency for harassment and violation of the FDCPA. Additionally, if you believe this debt is valid, you may only contact me to provide verification of the debt or to inform me of specific legal actions you intend to pursue. 

Please confirm in writing that you have received this cease-and-desist request and that all collection activities and communications will cease immediately. All future correspondence should be directed to me exclusively in writing at the address provided above. 

This letter is not an acknowledgment of the validity of the alleged debt, nor is it a waiver of my rights under federal or state law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was trying to send {$60.00} to my friend, XXXX on XXXX XX/XX/2020. While I was placing the transaction, Paypal website suggested that I should check the box ( Payment for service ). They left no link to explain the consequences of checking that box. All they said is that there will be a money-back guarantee. But they never said at the time of the transaction that the recipient will be charged a fee. Essentially, they tricked us to buy their service XXXX Money-back guarantee ) without disclosing there will a charge for that. All banks would disclose the fees at the time of the transaction. They will all do the math & calculate the exact number of transfer fees if any. Only when the customer consents to that fee, then it becomes legit. Paypal didn't do that. The transaction didn't give me any warning of any fees. It didn't even explain what XXXX Payment for Service ) means. This dishonest practice is tricking many users. Paypal has to be transparent about their fees at the time of the transaction
Product: Vehicle loan or lease

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge these unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 
I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple fraudulent credit inquiries show up on my credit report as well as fraudulent accounts opened. I reported to the credit bureaus and initially a freeze was supposedly placed by all 3 bureaus. Then a fraud alert was placed by all 3 bureaus. However, each time I pull my credit report, more inquiries are flowing in and in excess. Any creditor is supposed to contact me personally if my credit is pulled and I have yet to receive a phone call from any of them. One credit report has 22 inquiries. One has a note stating to contact me but yet there are 9 inquiries in the last 3 months. My entire wallet was stolen and my social security card as well as my drivers license, checkbooks, credit cards, etc were all taken from me at gunpoint. That was 4 years ago and I have had issues since that incident.
Product: Mortgage

Chase Mortgage Acct # XXXX is reporting a balance of {$240000.00} on our credit files. This account should be reporting a XXXX balance as this was a Short Sale on XXXX/XXXX/XXXX. I sent a demand letter to Chase Mortgage on XXXX/XXXX/XXXX and have yet to receive a response from them. The only responses I have received are from the credit bureaus and the balance is still there. This is a major error that is preventing me from getting the credit we deserve. This needs to be corrected immediately or delete this account off our credit files!!
Product: Debt collection

I have a loan with XXXX XXXX XXXX, and it is due on the XXXX of each month. But since the Gov. of La. shut things down I have lost my job, but I pay the note, but it has to be on the first of the following month. So at most, it is usually 6 or 7 days late. But it gets paid every month, it is not behind. But the company calls at all times of the day, and during my work hours. For example, the loan is only 2 days passed and they called me 4 times. There are even times that they call me from different numbers or at one point had a friend of their 's call my cell. so they obviously gave my number out. 
I have told them repeatedly that I will make the payment on the first and they keep calling, at times they are rude. Obviously they are deceptive and misrepresent themselves. I am doing the best I can, It is not my fault this state decided to shut things for no reason, which cost me a job.
Product: Payday loan, title loan, or personal loan

I called on XX/XX/XXXX asking if they was doing anything for people thats not been working related to COVID 19 and their monthly payments. The agent said all they could do was refinance my loan and push my payment to XX/XX/XXXX. I had forgotten about that call till I called today on XX/XX/XXXX asking if they was anything I could do for my payment for XX/XX/XXXX because I havent been working. Ive been trying to think of ways to save money to pay my main bills and several of my other accounts have all worked with me. I dont think its fair or right for them to only allow me to refinance my loan during this national emergency when no one is hardly working. I have filled for unemployment but that takes time as its still pending to this date. If I refinance thats going to mean my credit will be ran, my credit score will mostly likely drop, it takes two years for the hard inquiry to be removed from my credit. I just think Mariner Finance is taking advantage of people during this time saying all we can do is refinance your account. I have never missed a payment with them and have never asked to skip a payment. This is not something I like doing, because the faster I can get this paid the faster it will be off my credit and allow my credit to show positive accounts.