23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was sued for a debt owed to XXXX XXXX XXXX XXXX. I went to court and was told to pay what I could afford monthly. I am on XXXX & was sending them $ XXXX/month, which they were deducting from my account each month. They repeatedly called me and left messages, I have XXXX XXXX which is increased with XXXX. On XX/XX/17, Wakefield & Associates levied an account of my sister 's which my name is XXXX also. They took ed every penny and took the account to a XXXX balance. I now have to pay my sister this money back, which I do n't have. My sister has helped me due to our financial situation and put my name on her account so I could borrow when needed and repay as I can. I called Wakefield & Associates and was told, yes, they did receive the $ XXXX/ monthly payments and was applying them to a debt owed to " XXXX XXXX Hospital ". I was not sending the money for this debt, I was sending it for the account I was sued for which is XXXX XXXX XXXX XXXX. They we very uncaring that I do n't know what I am going to do now because I have no money to pay my debts. I do n't think they should have been paying the payments towards a debt that it was not intended. They call me from early morning to night on most days. It 's sad that medical bills that are unavoidable sometimes can ruin a person 's life. Wakefield & Associates are unrelenting and uncompassionate. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute about my credit report and the incorrect items below stated on my credit report. Its been over 30 days since I contacted XXXX, XXXX, and Equifax, and have not received any investigation results back yet, so hence this complaint. 

Below are the accounts I have disputes with, please review and help me out with this. 
Thanks so much. 
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Account status ( Closed ) {$2500.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account status ( Closed } {$3500.00} Date opened : XX/XX/XXXX XXXX XXXX Account XXXX Closed {$690.00} Date opened : XX/XX/XXXX DEPTEDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan {$17000.00} DEPTEDXXXX XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$3900.00} DEPTEDXXXX  Account number XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$1700.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened ; XX/XX/XXXX Account type Education Loan {$3000.00} DEPTEDXXXX XXXX Account : Open Date opened : XX/XX/XXXX Account type Education Loan {$870.00} DEPTEDXXXX XXXX Account status Open Date opened : XX/XX/XXXX Account type Education Loan {$3100.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account type Open account {$67.00}
Product: Credit reporting or other personal consumer reports

Central Portfolio says I owe a delinquent acct. Amount of XXXX that was posted on XX/XX/2023. It also said the age of Acct. Is 2 months old. I have no idea what that could be from. Also, XXXX XXXX XXXX says I have a delinquent acct. Balance of XXXX age of Acct. 3 years and 5 months. The Lender info is XXXX XXXX XXXX XXXX. I would like to dipute both of these because they should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Student loan

My loan provider is Navient. All this mess started in the spring of 2015. I tried to call Navient to get my monthly payments moved down from {$680.00} to something more reasonable. To my surprise I was told by a employee at Navient that " I know it does n't make sense but you have to pay that amount and we can not do anything else. '' I then wrote the CFPB and magically the payments dropped to {$370.00}. I was fine with this and made the payment. Here is where the frustration and stress came back. Not one month later it jumped to {$460.00}. Still not as bad but not what I was told. I emailed my " contact '' at Navient XXXX XXXX. I stated to him the payment was not right and on XXXX/XXXX/2015 he said he made the needed corrections and my payment would only be {$420.00}. Still not want I needed but I took it for then. Since then my payment has steadily gone up month over month to where the last payment was {$470.00}. I do not know what to do and have already started the process of getting a lawyer as I can not make this astronomical payments in the hopes of help, then when I look at how much is going to the principal is only {$110.00} one month and {$17.00} the next. Out of {$470.00} only {$17.00} goes toward my principal??? I do not know to do and I have already tried to resolve the issue. I do not have a problem paying back loans but this is ridiculous and is causing unneeded XXXX and XXXX thinking about how I am never getting out of this debt from this company.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Spoke to Rep at Equifax XXXX XXXX who stated was deleting the inquiries below that do not belong to me, and has been submitted before and not. Some are multiple. 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As it pertains to the credit bureau of XXXX, Equifax, and XXXX and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX XXXX XXXX report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.
Product: Debt collection

I was contacted by telephone today by someone who told me that I owe Walmart the sum of {$4000.00} for unpaid credit card bills. I have not ever had a Walmart credit card I was told to call XXXX XXXX XXXX and to give them the case number of XXXX. When I called the number they told me that I did owe Walmart {$4000.00} and I would have to pay it or tell the judge that I didnt have a Walmart credit card..AGAIN I HAVE NEVER EVER HAD A WALMART CREDIT CARD Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, as reported by Experian. On XX/XX/XXXX, I contacted Experian regarding discrepancies in my credit report, but to date, I have not received a response. I believe that Experian is in violation of the Fair Credit Reporting Act ( FCRA ) for failing to address my concerns and correct the inaccurate information in a timely manner. 

The following are the details of the disputed accounts and the corrections I am requesting : XXXX Account ( Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : Dispute : I disagree with the reported balance of {$1000.00}, as I recall the amount being lower. 
Request : Kindly delete the information regarding the past due amount, as this account is closed and charged-off. Mark this account as disputed to prevent any negative impact on my credit score. 

XXXX Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) : Dispute : This account is not mine. 
Request : Please remove it from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} ) : Dispute : This account is not mine. 
Request : Please remove it from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) : Dispute : The reported balance of {$390.00} is inaccurate ; I believe it should be a lower amount. 
Request : Do not report the past due amount, as this account is closed and charged-off. Mark this account as disputed. Verify and correct the Date Opened, Date of Status, and First Reported details.
Product: Credit card or prepaid card

We used our Citibank credit card to purchase a dog from XXXX. From the day we purchased the puppy he was sick. 10 days later he died. We have placed a dispute and appealed our dispute and we were denied. The XXXX has agreed to give us a store credit for the amount but we do not want to go back there after they sold us a sick puppy. My poor family has been crying for weeks over this and we are getting no resolution. Thank you for your help.
Product: Payday loan, title loan, or personal loan

I tried to make a principal only payment in XX/XX/XXXX and was told they can not accept principal only payments outside of my autopay due date. However, if I remove autopay, my interest rate will increase as they gave me a .25 % decrease by setting up autopay. I then had a check mailed to XXXX to process. It is now showing online in my account with a payment date of XX/XX/XXXX. I then went in and tried to do a payoff and I received an error message and it tells me I have to call in to get my payoff quote ( XXXX ). I called in to XXXX and they told me they couldn't give me a payoff quote because the XXXX transaction was still processing. I then told them it was showing online and my current balance is showing {$12000.00} online. I was then put on hold and told my payoff quote is {$16000.00}, but they couldn't send it to me in writing because of the payment issue. I then told the representative my balance online showed it was {$15000.00} as of XXXX. I then asked how I could have almost {$900.00} in interest and requested how that makes sense mathematically. I was not given an explanation and was told he could not explain it to me. He then suggested I call back tomorrow to then make a payment, but I also told him waiting another day was going to be another day of interest I was going to have to pay, which is not fair to me as the consumer. He agreed but offered no other alternative. He then suggested I go back in and try to make a payment amount with a specific dollar amount. Based on my calculations, I believed today 's payoff amount would be {$12000.00} ( I added a XXXX ) so I tried to make that payment online. I got another error message stating the payment was too high and I had to call in. The customer representative then could not help me with anything and we both became frustrated. I ended the call and then tried to make a payment of the current principal balance. I got the same error message, so I called back again. The next representative suggested to remove the autopay to see if it will allow for a payment to be processed. I agreed and received the email notification it was removed. She tried to do a payment and it would not let her. I then logged back into XXXX and tried to make a payment and received the error message. XXXX is not allowing me to make another payment to payoff the loan. However, if I wait another day or XXXX ( based on their suggestions ), I will be charged extra interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my disputes to the XXXX major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and XXXX XXXX XXXX. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I mutually terminated my cable and internet contract with XXXX because of a job move from XXXX to XXXX XXXX XXXX XXXX where they have no coverage. Consequently, XXXX sent me a prepaid XXXX mailing box for me to return their equipment 's with instructions to drop it off at any XXXX store. Which I did and subsequently received a credit from them. However, I recently found out from my bank that there is a collection notice on my credit report from XXXX for un- returned equipment and as a result my mortgage application was turned down. After several phone calls to XXXX XXXX of their staff was able to locate the returned equipment but unfortunately for me the damage has already been done to my credit report just because XXXX failed to do their home work.
Product: Credit card or prepaid card

XX/XX/2023 I received an email stating the following Account ending in XXXX Avoid interest with this balance transfer offer 0 % APR | 12 Months | 3 % Transfer Fee After that, any remaining balance will return to your 28.99 % variable APR. 



See offer details XXXX, By transferring a balance from a higher-interest lender to your XXXX account, you can save on interest and simplify your finances. 

With this offer, youll enjoy 0 % APR for 12 months 3 % transfer fee After that, any remaining balance returns to your Purchase APR, which is currently 28.99 % variable APR. Make sure your transfer posts by XX/XX/2023. Here are just a few reasons why you should take advantage of this offer I have been unable to receive this offer and then when I called XX/XX/2023 at XXXX, the balance transfer specialist told me that the offer was taken away. When I told her they can't do that, because the terms in the personal email specifically state that I have until XX/XX/2023 to make a decision, she said that's not the case.
Product: Debt collection

Date : XX/XX/year> Name : XXXX XXXX Creditor Name : Bounce AI Creditor Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX To Whom It May Concern : I am writing to formally dispute the account referenced above, which has been reported to credit bureaus and is being pursued for collections by Bounce A.I. This account was originally owned by XXXX and has already been charged off. Additionally, XXXX has received a tax credit from the IRS for this charge-off, rendering further collection attempts inappropriate and potentially unlawful. 
Under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that Bounce A.I. provide validation of this debt, including but not limited to : 1. Proof of the original debt and the amount owed, including an itemized accounting of the balance.

2. Proof of your legal authority to collect this debt.

3. Documentation of ownership of the debt since it was charged off.

Without the provision of these documents, any attempt to collect or report this debt is a violation of federal law and must cease immediately. Additionally, creditors who charge off debts and receive a tax benefit are required to issue a Form 1099-C to the debtor. I have not received such a form, further casting doubt on the validity of this debt.

If Bounce A.I. is unable to provide the required proof and validation, this debt must be removed from my credit reports immediately. Any continued reporting of this debt to credit bureaus without proper validation is a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ).

You have 14 days from the receipt of this letter to respond to this dispute and confirm in writing that this account has been removed from my credit reports and that all collection activity has ceased. Failure to comply will result in the following actions : 1. I will file a formal complaint with the IRS regarding this fraudulent activity.

2. I will pursue legal action against Bounce A.I. and any other involved parties for inaccurate and illegal reporting of information to credit bureaus. 
Please consider this letter a formal notice of dispute. I trust you will act promptly to rectify this matter. 
XXXX XXXX
Product: Debt collection

This company not only repeatedly called me from various numbers, they implied I needed " counseling services '' on my account statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account XXXX was properly investigated, but how is that possible if the date open is inaccurate, the date last active is inaccurate, and the date last reported in not accurate?

This is grounds for removal as they have also violated my rights under 15 U.S.C. 1681 Section ( a ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00} According to 15 U.S.C 1681 ( a ) ( 1 ) 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.

There are ( 9 ) inaccuracies and violations
Product: Vehicle loan or lease

I am writing to formally submit a complaint regarding my auto loan with Westlake Financial, initially obtained in XXXX. I am requesting all relevant documentation pertaining to my account and both repossessions. The issues are summarized as follows : Repossession Details : The vehicle was repossessed in XX/XX/XXXX and again in XX/XX/XXXX due to being " past-due ''. In XXXX was charged a tow fee of approximately {$600.00} in addition to past-due payments, totaling over {$2000.00}. 

I request the following documents and information from Westlake Financial to clarify the status, terms, and handling of my account : A copy of the original car loan contract.

Detailed information and records pertaining to both repossessions.

A comprehensive breakdown of my complete payment history, including dates and amounts.

Notice of Default and any communications related to default status.

Notice of Sale and any related documentation.

An explanation of the calculation for any surplus or deficiency balances related to the repossessions.

Notice of retrieval of personal property and all communications related to the retrieval.

Clarification regarding the current balance and whether the account is considered open or closed.