23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint against XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and the Texas Finance Code Chapter 392, regarding their handling of an alleged debt. Their conduct has been deceptive, misleading, and in direct violation of consumer protection laws. XXXX XXXX XXXX initiated legal proceedings against me in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Place XXXX, without first providing a debt validation letter as required by 15 U.S.C. 1692g. After I filed a General Denial in response to their claims, they subsequently sent me a so-called dispute verification letter on XX/XX/year>, which was undated, raising concerns about their compliance with federal and state debt validation requirements. Their failure to provide this documentation before filing suit is a clear violation of the FDCPA and Texas Finance Code 392.202. According to Texas Finance Code 392.202 ( b ), debt collectors must cease all collection activities, including litigation, until they validate the debt upon dispute. Despite acknowledging the dispute, XXXX XXXX XXXX continued litigation without verifying the debt before proceeding in court. This continued legal action violates federal and state consumer protection laws and is a clear abuse of process. Additionally, XXXX XXXXXXXX XXXXs process server falsely claimed to have personally served me with legal documents in my case, when in fact, they left the documents on my car parked on a public street. This action did not satisfy proper service requirements under Texas Rule of Civil Procedure 501.2, yet XXXX XXXX XXXX proceeded with litigation. The use of false or misleading representations in connection with debt collection is a violation of 15 U.S.C. 1692e. Furthermore, XXXX XXXX XXXX did not comply with attorney substitution requirements under Texas Rules of Civil Procedure 8 and 10, failing to notify me properly of changes in legal representation. Their failure to follow procedural rules deprived me of due process, violating my consumer rights under both state and federal law. Due to these actions, I have also filed a grievance with the Texas State Bar against XXXX XXXX XXXX and their attorneys for violations of professional conduct and unethical debt collection practices. Their ongoing misconduct demonstrates a pattern of deceptive, unfair, and abusive practices that warrant immediate investigation and enforcement action by the Consumer Financial Protection Bureau. I request the CFPB to take appropriate action against XXXX XXXX XXXX to prevent further violations of consumer protection laws.
Product: Credit card or prepaid card

I am making my payment on time and requesting the company to remove the late fee because of COVID hardship. They say they can not remove the late fee because the cut off time for payments is XXXX XXXX EST. I asked them to make an exception because of hardship and because the payment was technically made the day it was due. They informed me they can not remove the fee and that the cutoff time will change to XXXX XXXX   EST in XXXX. They said it is changing due to " Industry Standard, '' but none of my other credit card companies have a cutoff time like this, and I do not believe this is " industry standard. '' I have had problems making my payments on this company 's website and that's why they recently added a feature to allow you to pay without logging in via email. They advised me to log in to make my payment a day early. If the payment is due the XXXX and I pay it on the XXXX why am I being charged this late fee and being told it is an " Industry Standard '' when it clearly is not?
Product: Debt collection

On XX/XX/XXXX I contacted collection agency Hillcrest Davidson & Ass that has reported on my credit report something I owe that I have never received a bill or statement for, nor received any phone calls. They said they had a signed copy of the agreement and would mail a copy to me or have the company that sold the account ( XXXX ) send me the agreement today on XX/XX/2021 I still have received nothing by mail or phone calls. I also called the " original '' debtor and they said they have no record of me having an account and I called twice to verify on XX/XX/2021. Then I called Hillcrest Davidson & Ass collection agency back and left a message on XX/XX/2021 and three days later still have not received a call. So I still have no proof that I signed any contract for this debt nor is anyone assisting to resolve this issue.
Product: Student loan

I joined a student loan consolidation program, income based, made monthly payments of XXXX a month. I kept seeing one of my loans on my credit report at default. I would call and it would come off for 3 months, deferment. I finally asked why this keeps happening, Ameritech stated the XXXX I was paying a month was to do paperwork. When I contacted the original lean holder to arrange payments it was less and they warned me about these consolidations. I paid XXXX a month for 2 years for " paperwork '' I completed this so called paperwork with the lean holder over the phone and my payments are less than XXXX. I told Ameritech to stop taking the automatic monthly payments out of my account, but no return of funds and the delinquency on my credit has been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union reported that my XXXX account is at the limit but this account has been paid down to {$580.00} is my Current balance and {$1400.00} is Available credit
Product: Vehicle loan or lease

I called LGM financial days before my car payment was due to update the expiration date of my debit card that is used for autodrafting my car payment each month. The representative stated she updated the card information and my payment would go through as normal on XX/XX/XXXX. On XX/XX/XXXX I received an email from my debit card issuer stating that my car payment was declined because the expiration date on the debit card used by LGM was incorrect. 

I called LGM again on the XXXX. The representative updated my card information again, however she also made me pay a {$5.00} fee for processing my payment over the phone since the autodebit did not go through. 

I feel the {$5.00} was unfair because the autodebit did not go through due to LGM 's error, not my own.
Product: Debt collection

This company continue sending mail. This account is under a class action lawsuit against Ally Financial and won by the defendants and class, the case has been close judge order was and company trying to collect is XXXX XXXX XXXX XXXX a company has not been verified and I didn't sign on contract with they haven't verified can collect in state of Texas by continuing sending correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX  Account Number XXXX CFPB COMPLAINT XXXX TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.
Product: Debt collection

I am paying on a bill directly with the provider XXXX. I am actually close to paying the account off as the bill was reviewed and I was granted a discount. In the process of the bill being reviewed, the account was turned over to Receivables Management Partners for collection attempts. Not only are they requesting the full amount of the bill from me, but I am being harassed by them on a daily basis. I have called them many times to advise. I emailed them ( per their request ) proof of payment and the letter from XXXX advising the discount on both XX/XX/2019 and XX/XX/2019. I know that they received my emails as I put a receive receipt on it. I have informed RMP many times that I am already paying on this account and they need to remove my account from their system. I even spoke with XXXX, and they confirmed that they notified RMP In XXXX that the account should be removed. I have no idea why I am having to do so much leg work on something that is not my fault. 

Example of Calls- XXXX One call XXXX 3 calls XXXX 1 call -These calls are from numbers that I was able to identify. I am pretty sure that there are more as I have a ton of missed calls from unidentified phone numbers.
Product: Credit reporting

I wrote Equifax over 6 weeks ago. They have not responded to my request for an investigation.
Product: Debt collection

I can see, from previous credit reports, that the collection agency continues to change the name of the collection agency, the name of the original creditor and the exact dollar amount so that the debt remains on my credit report longer than 7 years. This tactic is nasty and unfair. My past credit information is attached. 

Please advise on the best way to handle this.
Product: Mortgage

File bankruptcy XXXX payments was XXXX a month stayed their until maybe XXXX XXXX. All payments went to the mortgage company I did not get credit for my payments. 
XXXX XXXX GEORGIA XXXX XXXX / XXXX XXXX DIVISION
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has led to unauthorized accounts and inquiries being added to my credit report. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENTS WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM CAINE AND WEINER. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THE COMPANY. I HAVE DISPUTED THIS NUMEROUS TIMES IN THE PAST. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX : {$6000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, DE XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$2500.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Collection XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} Collection XXXX XXXX-************** Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$1600.00} Collection XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Consumer Loan

I WENT TO A CAR LOT TO GET A CAR AND I TOLD THE LOAN PEOPLE THAT I ONLY WANTED ONE INQUIRE ON MY CREDIT REPORT BUT THEY TOOK IT APOND THERE SELF AND SENT MY CREDIT TO DIFFERENT BANKS WITHOUT MY CONSENT
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly tried to obtain validation from the company of the debt showing owed with no response since XXXX. Dispute after dispute with no action. It is illegal through the FCRA to report different amounts owed to my credit file with no explanation. I have been hung up on over the phone and talked to very horribly when trying to obtain answers. I have visited the office as well and nothing comes of situation at hand except being told I have to pay the loan in full. Remind you, since the opening of the loan I had tried to make small payments and was denied because it was not the amount the manager wanted me to pay. I was turned away.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX Equifax : XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one reported a late payment of {$19.00} on the account I paid in full last year. I was never notified of the outstanding balance, I never used the card after fully paying it off, so I paid it again in full. The ding on my acct should never have occurred. I paid the {$19.00} immediately when I saw it on my C-K report. It still reflects a negative remark that it was late. Look at all of my cc and other payments, not one of them are tagged with a " late payment ''. I filed a complaint against Capital One, but your investigation did NOT give a final decision to remove the derogatory. I ask that this " late payment '' remark be REMOVED FROM MY REPORT. THE ACCT IS PAID IN FULL.
Product: Credit reporting

In 2011 XXXX XXXX charged off my account. 5 years later Experian suddenly showed it 150 days past due in XXXX. I contacted XXXX XXXX and XXXX to resolve. XXXX XXXX sent me a letter and copied Experian that indeed the account was charged off in XXXX. XXXX XXXX also confirmed with XXXX that this was the case. I have spent numerous hours and phone calls to Experian who refuses to use any letter I have with XXXX XXXX nor the correspondence with XXXX. In XXXX 2011 the account went. To a fresh charge off bringing my score down further. I complained and then in XXXX the 150 days late popped up again bringing my score down a total XXXX points since the event started. Now I 'm in the middle of buying home and it 's impacting my rate AND me even getting a loan. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED MORE THAN FOUR DISPUTES WITH EXPERIAN ON XXXX/XXXX/XXXX RECEIVED MY 4TH REPORT NUMBER # XXXX AND EXPERIAN SPECIAL SERVICES PUT MY ACCOUNT XXXX INTO DISPUTE FOR THE 4TH TIME REPRESENTATIVE SAID MY DOCUMENTS WERE NOT SUFFICIENT, THIS DISPUTE IS A CHATER 7 FILING WHICH I NEVER FILED BANKRUPTCY I HAVE NO ACCOUNTS ON MY FILE IN BANKRUPTCY RECEIVED A LETTER FROM FEDERAL BANKRUPTCY COURT TO REMOVE THIS DISPUTE EXPERIAN SPECIAL SERVICES USES A THIRD PARTY VENDOR TO VERIFY THERE PUBLIC RECORD 'S WHICH IS XXXX XXXX I CALLED THEM THEY HAD NO INFORMATION, FILED A POLICE REPORT AND FOLLOWED ALL THE GUIDE LINE 'S ACCORDING FCRA, FILED A IDENITY THEFT REPORT WITH FEDERAL TRADE COMMISSION AND EXPERIAN WILL ONLY RE DISPUTE MY MY CLAIM..
Product: Credit card

I had asked the Chase ultimate rewards to explain and investigate about the charge of XXXX points I used to book XXXX XXXX XXXX, Chase ultimate rewards reference XXXX Original book ID XXXX The advertising on the chase page is incorrect, you can't check in because there are no keys and no front desk and as a result, I have to book another hotel I had contacted ultimate rewards multiple times and each time they told me they are resolving the issue, it has been over a month
Product: Credit card or prepaid card

COMENITY BANK CONTINUES TO REAK HAVOC ON ALL OF MY CREDIT CARDS THAT HAVE BEEN ISSUED AND OR BOUGHT BY THEM. THE LATEST CARD IS MY XXXX XXXX STATING IT REVEALED POTENTIAL CONCERNS AND OR IRREGULAR CREDIT CARD TRANSACTIONS. REAL COMENITY THE ACCOUNT HAS BEEN PAID IN FULL FOR MONTHS/YEARS WITH A A+++++ PAYMENT HISTORY. I DO NOT UNDERSTAND WHY YOU ARE DOING THIS TO ME AND ALL OF MY ACCOUNTS IT DOES NOT TAKE A GENEROUS TO SEE THERE ARE NO IRREGULAR CHARGES ON THESE ACCOUNTS AND MY ACCOUNTS DO NOT POSE ANY CONCERNS. WHY IS IT YOU SINGLE OUT ANOTHER ACCOUNT OF MINE AFTER YOU HAVE RECEIVED MY COMPLAINT THROUGH CFPB???? I AM TAKING YOUR ACTIONS AS RETALIATING FOR YOU ALSO DID IT TO ANOTHER ACCOUNT OF MINE PRIOR TO XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney XXXX XXXX   Account # XXXX Account Type Collection Agency/Attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # 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.
Product: Credit card

I request a signed contract agreement that I sign to provide that I sign of the debt no response
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Transunion for failing to comply with the Fair Credit Reporting Act. ( FCRA ) requirement, particularly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite multiple written disputes regarding inaccuracies on my credit report due to identity theft. Transunion has refused to conduct proper investigations or correct the errors as mandated by law. 
At the end of XXXX I sent dispute letters to Transunion regarding Fraudelent accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX Az XXXX I have lived in Illinois my entire life. 

I provided detailed evidence supporting my disputes, yet Transunion either failed to respond adequately or continued reporting incorrect and false information. This failure has caused harm to my credit score, impacting my ability to secure credit. 
Transunion 's actions violate the following FCRA provisions XXXX XXXX XXXX XXXX XXXX XXXX  : Failure to ensure the accuracy of consumer reports. 
XXXX XXXX XXXX Neglect of full duty to prevent and correct inaccuracies XXXX XXXX XXXX XXXX XXXX ) Failure to delete inaccurate or unverifiable information XXXX XXXX XXXX XXXX XXXX ) Continued reporting of outdated information I request for immediate corrective action, including Full and proper reinvestigation of the disputed items. 
Deletion of inaccurate or unverifiable information Documentation of the investigation and resolution I was a victim of Identity theft and the XXXX data breach. attached is VALID IDENTITY THEFT filed with the FTC and VALID PXXXX XXXX XXXX XXXX XXXX took place. And proof of Identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported XXXX to Equifax, XXXX, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XX/XX/2018-present. I have even sent validation letters to XXXX and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.