23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Service Finance Company , LLC reporting me 1x30 days late and 1x60 days late in XX/XX/XXXX and XX/XX/XXXX. I was on set up on auto pay for years, my payment history can attest. At least, I thought I was. I wrote Service Finance Company a letter this year asking them to investigate my file and remove the late payments, because I was on auto pay. They replied with a vague form letter saying the late payments are accurate. Clearly, they didnt look at my account as they provided no details as to my concern of being on auto pay. My contention is, I need a human being to review my file to establish the problem. Accordingly, I sent the attached follow up letter dated ( XX/XX/XXXX ) asking Service Finance Company to explain why there would be a late payment if I was on auto pay. Again, I received a vague form letter response. Its attached ( dated XX/XX/XXXX ). 

I am writing you for your assistance in contacting Service Finance Company and have them provide information as to why I was late if I was on auto pay. Also, if there was an issue with auto pay, why wasnt I properly notified. With respect to US Code 1666 ( section 6 ), I was not notified of this late payment. Again I ask, regardless of auto pay issues, why wasnt I notified of a late or missed payment? This section of the law says Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Product: Checking or savings account

They were taking overdraft fees, limited balance fees and extra ATM fees
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/ XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file. 

XXXX XXXX XXXXk # XXXX XXXX XXXX, XXXX, 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 card or prepaid card

I had a Citi Diamond Preferred credit card that was part of a payment program. Before the balance was paid off, we were able to use other funds to pay off the balance and terminate the payment program. Citi Bank was paid with a check from a California licensed escrow company. The check they received was in excess of my current balance. They received this check on XX/XX/2020. When I called them on XX/XX/2020 they confirmed my credit balance of {$72.00}. When I requested they send me a refund check they responded that I had to wait two weeks. They were paid by an escrow check so there is no reason to wait to see if the check was good. It was not my personal check or a cashier 's check. While this may be perfectly legal, I feel it's UNETHICAL for them to hold onto my funds for two weeks for no reason. I spoke to a supervisor when I called and he took down all the information and told me to call back in two days. When I called back I got the same response that I had to wait two weeks for payment. I told them if they were not going to request my refund check that day I was going to file a complaint with the CFPB. So this is my formal complaint.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and included it again. Kindly correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im disputing this because equifax, XXXX and XXXX did not provide me with proof that my files were validated that the law states.
Product: Debt collection

This company is reporting a balance of {$410.00} to the credit bureau. I sent letters to the credit bureau requesting information on this debt. All three credit reporting agencies replied that the collection agency has verified this debt. 

Then I sent a letter to the collection agency requesting additional information on this debt. I asked them for the signed contract or credit application from the original creditor to file police report or report identity theft. 

As of today, they have not replied to me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Cease and Desist Communication Regarding Account No. XXXX To Whom It May Concern, This letter is a formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am requesting that you immediately cease all communication with me regarding the above-referenced account. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact.

Under the FDCPA, you are required to honor this request once it is received. Failure to comply with this cease-and-desist request will constitute a violation of federal law and may result in legal action being taken against your organization.

If you believe that this debt is valid and enforceable, you may provide written validation of the debt as required by law. However, I request that you do not contact me for any other purpose. 

Please acknowledge receipt of this letter in writing. All future correspondence, if necessary, should be sent to my mailing address only. 

Thank you for your prompt attention to this matter. 

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

This company is reporting to the credit bureaus inaccurate information about an account that was sold to a collection but the company is still trying to collect on a debt and also reporting negative information on my credit that i have disputes numorous of times but they said they verified the debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards and personal loans from XXXX with a balance of {$680.00}, XXXX with a balance of XXXX, XXXX with a balance of {$0.00}, XXXX with XXXX balance of {$0.00}, XXXXXXXX XXXX with a balance of {$0.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # xxxxxxxxxxxx XXXX, has violated my rights. 
first savings # xxxxxxxxxxxx XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian, XXXX, XXXX Subject : Request for Removal of Canceled Debt from Credit Report Dear Experian, XXXX, XXXX I am writing to formally request the removal of a debt from my credit report associated with XXXX XXXX XXXXXXXX XXXX, account number XXXX. This debt was canceled by the creditor, as confirmed by the attached IRS Form 1099-C, which I received.

The Form 1099-C indicates that the debt, in the amount of {$300.00}, was canceled on XX/XX/2013, and is no longer owed. Reporting this canceled debt as outstanding or delinquent on my credit report is inaccurate and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), Uniform Commercial Code ( XXXX XXXX ), and guidance from the Federal Trade Commission ( FTC ) regarding the accuracy of credit reporting and debt obligations. 

Legal Background : XXXX. XXXX XXXX ( a ) : Cancellation of an instrument discharges the obligation. This includes any action or written acknowledgment ( e.g., Form 1099-C ) by the creditor showing intent to release the debtor from liability. 

2. IRS Guidance : The issuance of Form 1099-C by the creditor reflects an identifiable event canceling the debt under Treasury Regulation XXXX. 

3. FTC Enforcement : Under the authority of the FTC, creditors and credit reporting agencies are held accountable for ensuring that only accurate and valid debts are reported to consumers ' credit reports. Reporting canceled debts as delinquent or unpaid violates these standards.

4. Account Closure : Since the account was closed, reporting it as an active or delinquent account constitutes a misrepresentation of account status and could be considered a form of securities fraud under federal law. This misrepresentation artificially inflates debt figures, harming consumer credit scores and misleading financial institutions. 

Please confirm receipt of this dispute and notify me within 30 days of your investigation results, as required by the Fair Credit Reporting Act. If this issue is not resolved appropriately, I am prepared to escalate my complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies under applicable laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

My student loans were transferred to aes in XX/XX/XXXX. I have had nothing but problems since then. In the original documentation received about the change in company I was informed that if my payment fell during a grace period of transition then it would be debited after such grace period. However I logged in to find my student loan was shown overdue and received a letter stating I needed to make a payment. I called to explain this as I am in the ibr program and have been for years and also use direct debit for years. They stood fast and insisted I make a payment so I authorized a one time payment to avoid credit reporting. Then a week later I check my account to find that they deducted a second payment on their own. Now fast forward to XXXX and it is time for my annual recertification of income. I follow the instructions including authorizing my spouses student loans through fafsa website. Next I received a letter dated XX/XX/XXXX that my loan had been recalculated. But they only factored my personal loans and not those of my spouse. Attached is a second letter with instructions to once again authorize them to calculate using my spouse 's information. I find this strange but follow the instructions and call Aes again XX/XX/XXXX to state this was complete and to have them recalculate the payment using this information. Weeks go by with no response until I receive a letter dated XX/XX/XXXX that still shows the original payment amount when only factoring my student loans. Also this letter stated that I made payments ahead ( my XX/XX/XXXX payment ) and therefore I should only be responsible for paying the difference on my next payment. But instead the letter states they are going to take my entire payment amount instead. So once again they are going to double bill me for one payment. I called again today XX/XX/XXXX to try and get an explanation. The company is giving me nothing but a run around. Saying they have a note of my wife 's documentation complete but did not recalculate. Therefore they now want to recalculate my payment again. But in the mean time they assert that the initial payment amount which is incorrectly figured will be deducted on XX/XX/XXXX. I have been in ibr for 10 years now. And I have never seen this level of incompetence or intentional misleading in order to capture larger payment amounts than what should be or extra payments without justification. Please intervene. I fear from searches online that this is commonplace and I am not at all the only one dealing with these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete all the inaccurate hard inquires listed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I tried to have fees removed and the bank refused to refund me any fees.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are two accounts listed on my credit that is not my account. I don't have any contract nor have I sought services for it.
Product: Debt collection

I never did business with calavy llc. This has violated my rights and privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a checking account in XX/XX/2020 with XXXX  XXXX XXXX, this account was opened with the purpose of paying my credit cards off which I hold with the same bank. ( I am not American and I dont live in the us ) on the XX/XX/2020 my checking account was close without any reason given to me, they said a business decision, I have query this with the bank and I got not response, I am very mortified of what they have reported to ChexSystems , as I said I dont live in the us and getting a report is petty much impossible. The bank has put so much emotional stress on me, I am XXXX XXXX XXXX XXXX and I worked with a visa, I dont want any wrong information in my credit report or history, I managed to pay off one of the credit cards with my mothers account t and I am in the process of Paying the second one to not have any more debt. But this is not a way to treat people, Ive never done anything wrong and I am a very hard worker person.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

I received a home equity loan in XXXX from XXXX XXXX XXXX, I lost my job, and could make payments my wife became very ill and had to be placed under XXXX nurse care. Her income was removed from my budget. I was attempting to get a workout Modification I mailed many documents and the next i new was i had a sale date for foreclosure from XXXX XXXX I am also questioning the loan trust, and the assignment being used I asked the my foreclosure be held in a courtroom by a judge. I revoked the power of atty that i gave at the origination of my loan. this power of atty was revoked in XXXX Co XXXX on XXXX XXXX XXXX. I SAID THE BORROWS WAVIER OF RIGHTS without understanding.everyone is entitle to due process of Law, but i was forced to give up my rights. i do not want my home sold on the courthouse steps
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Dates XXXX