23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern I'm writing to bring to your attention a matter of identity theft has caused me significant XXXX  it has come to my attention that there are inaccuracies in My consumer report resulting from an authorized and fragile use of my identity Upon discovering this I have taken immediate steps to rectify the situation and report identity theft to the relevant authorities I am providing you with the necessary documentation include an identity theft report file with the law enforcement to support the claim of unauthorized you so my personal information The false information on my consumer report has not only called financial implications but also resulting in considerable emotional distress our request in accordance with 15 us code 1681 C2 that you probably blocked the information result from this identity theft from being further reported or used
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for Americollect Inc to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires would made without my consent. 
on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX  on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries reporting on my credit report that Im not aware of nor was consent giving to be reported on my credit report. I would like all tangible documents that say I gave consent or that gives these companies or Equifax any permissible purposes to furnish such information on my credit report.

15 USC Code 1681- Congressional findings and statements of purpose ( A ) Accuracy and fairness of Credit Reporting The Congress make the following findings.

15 U.S. Code 1681b - Permissible purposes of consumer reports 15 USC Code 1681s-2 - Responsibilities of Furnishers of information to consumer reporting agencies.

( A ) Duty of furnishers of information to provide accurate information. 

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting Information after notice and confirmation of errors.

15 USC 1681n- Civil Liability for willful noncompliance.
Product: Debt collection

I was contacted by DCI credit services at XXXX on XX/XX/2022. They were inquiring about an emergency room bill from a hospital. I informed them that all my hospital bills are on a payment plan with the creditor, and I would like the account number they are referencing so I could confirm the allegation. They refused to provide this information. I asked for a physical copy of the notice of the debt collection. They stated that they sent it in XXXX and will not send another one. I explained there is an issue with my local post office due to two people of the same name living in the same locale, and it may have gotten delivered to the wrong person. She said that they will not send another notice, and I am to immediately pay the debt. After multiple attempts to explain I never received the original notice, they stated that they refuse to send another one. At this point I fully believe the debt is illegitimate. I tell them that until I receive a physical copy via certified mail, I will not be paying this debt. They state they are not required to mail any notices of debt, and I need to pay the bill immediately.
Product: Debt collection

On XX/XX/2019, and XX/XX/2019, I received a letter by mail stating I owed a debt and this was an attempt to collect this debt. The company is Account Resolution Services and I have asked them twice to Validate that this debt belongs to me and a Failure to Validate Letter. On the letter, I received it is stated I owe, {$950.00}. 


I will be sending a similar letter to the major credit bureaus as well. 
I have sent two letters to them and I have still not received a response from them and it will be a month from my dated letter, and I have not received a letter or response from either company. 

This is not fair as these companies are reporting these debts on my credit report, harming it without validating and proving this debt belongs to me.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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, ) 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: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX, and I had recently experienced troubling practices from XXXX XXXX XXXX and Renovate. I am writing to formally request your assistance in addressing the following grievances regarding my furniture loan : Misrepresentation of Loan Terms : When I initially agreed to finance my furniture purchase, I was misled about the terms of the loan. The representatives assured me of a clear repayment plan, but the terms provided afterward were far more unfavorable than what was originally promised. 

Double-Charged Late Fees : On multiple occasions, I have been charged late fees that were both excessive and duplicative. I always strive to make timely payments, and these charges are unjustified. 

Forcing Excessive Payments Beyond the Loan Amount : I have now paid significantly more than the original loan amount, which appears to include unjustified fees and charges. Despite my attempts to resolve these discrepancies directly with the lender, I have not received any satisfactory explanation or resolution. 

This situation has caused me significant financial and emotional distress, I believe these actions may constitute predatory lending practices that disproportionately harm vulnerable consumers like myself. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly. I also ask for assistance in recovering any overcharged amounts and ensuring that my remaining obligations are adjusted to reflect only the agreed-upon loan terms. 



Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I have a home mortgage with Home Point Financial corporation. Prior to receiving an Escrow shortage letter in XX/XX/XXXX I was paying {$1400.00} every month. The escrow letter shortage stated if i paid {$460.00} by XX/XX/XXXX my mortgage would only increase to XXXX. If I did not pay the shortage in full my new monthly payments would increase to XXXX effective XX/XX/XXXX. I contacted the escrow department with Home Point Financial and paid in full, over the phone, {$460.00}. I was advised to start paying XXXX for my monthly mortgage. ' I have been in Bankruptcy for approximately 2 1/2 years but my mortgage is not included in the bankruptcy payments. I do not receive a bill or statement for my mortgage due to Home Point 's policies in dealing with individuals in bankruptcy. In XX/XX/XXXX I received a mortgage statement from Home Point indicating I owed {$4600.00}. When I called Home point for an explanation they told me that " someone '' dropped the ball and did not apply my escrow shortage to my escrow account. As a result, i was being billed XXXX every month and my XXXX that I would submit every month went into a " Suspense Account ''. So I was told it was there mistake and they would rectify it with a new escrow analysis and apply the funds i have been paying for the last 9 months plus the shortage to the proper accounts. That was 2 months ago. I have spoken with heir bankruptcy department no less than 20 times and have been told most recently that my account has been elevated to the Bankruptcy manager at Home point. That was a month ago. I was told several reasons for the delay. None of which are true. the first excuse they gave me was I didn't ask for an escrow analysis after i paid my shortage. When in fact I asked 3 times during the month of XX/XX/XXXX and was told it was being worked on and it would take 2 weeks. It was never done according to what i am being told now. The second reason for the delay is Home point says they are waiting for approval from my lender. In any event. i called this situation to their attention over 2 months ago and i am still being billed XXXX. i  have done everything Home point has asked of me. I pay my mortgage on time. I paid my escrow shortage in full on time. And this is what i get in return. I have contacted my attorney, i have filed a fraud complaint with the Federal Trade Commission for improperly using a suspense account with my money that should be applied to my mortgage.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX TRANSUNION : XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX
Product: Debt collection

Alleged debt collection attempt by XXXX XXXX XXXX. Through XXXX XXXX, a creditor named " HUNTER WARFIELD '' assumed the debt. Though it is unclear if the debt was sold first, or owned originally by a foreign entity, it is absolutely an invalid debt. While I am a resident of the city and state of the stated debt, I believe the company or creditor, Hunter Warfield, is attempting to collect a debt owed by someone with a similar or same name as myself. At the time of the stated occupation, I was living in an apartment complex on the opposite side of town. This can be verified through rental agreements, utility statements, etc. While I am not contesting the validity of XXXX XXXXXXXX XXXX residing at XXXX XXXX XXXX  I AM contesting, with extreme prejudice, that the aforementioned XXXX XXXX is not the same person as myself. I have attempted to dispute this debt directly through the creditor, through XXXX XXXX, XXXX XXXX, XXXX XXXX, and several others over the courese of the past 5 to 6 years, i have been unsuccessful. This is my only option, and have suffered extreme financial and residential losses due to this oversight. Though my complaint may fall short of succeeding in helping myself, i have hopes that others can learn to protect themselves from the surreptitious collection attempts by an unqualified debtor on an honest working class citizen. please, help me or advise me of my rights and a prudent course of action. Thank you in advance, XXXX XXXX. 

creditor : Hunter Warfield account Number : XXXX
Product: Debt collection

I had a crown put on my wisdom tooth and when the crown was placed it had a hole in it. They were supposed to schedule me to come back and replaced the crown which they never did. Also, they did not tell me that I owed that amount until I was questioning them about the fee that they was charging me concerning another procedure. XXXX the office manager became very rude to me because she was charging me a higher fee than what she was charging my insurance company. Which she waited to provide the information to the insurance company and that is when I was told about the fee that I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lost my wallet back in XXXX, XXXX, XXXX reported to The police ever since, I have been having all these issues with Identity theft. 
Account info Account name XXXX XXXX XXXX Account number XXXX capital one
Product: Debt collection

I.c system is trying to collect on a debt that was remove from my credit months ago from XXXX for {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE LATE PAYMENTS ON MY ACCOUNT THAT ARE NOT ACCURATE I NEVER MADE A LATE PAYMENT
Product: Debt collection

BOTH AFFILIATES COLLECTION COMPANIES FAILED TO VALIDATE SAID DEBT, AND APPEARED ON MY CREDIT REPORTS W/O CAUSE, ALSO, FDCPA, TCPA VIOLATORS.
Product: Debt collection

I requested the original consumer contract with my signature that you have on file to verify if this debt is accurate. By law you need to DELETE accounts that are inaccurate, incomplete or unverifiable... The company responded with the following actions taken on my credit file : " You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. ONLINE INFORMATION SERVICES-UPDATED XXXX XXXX XXXX. 
. 
. 
Complaint I.D # XXXX ... No original contract was given or sent via mail : account was not verified. Please view 15 USC 1681i and 15 USC1681s-2
Product: Money transfer, virtual currency, or money service

I want to be part of the Zelle class action lawsuit. I use zelle all the time. I was never aware that my transactions were not protected. There wasn't a disclaimer when I used it. Otherwise I would not have used them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights This is a defamation to my character
Product: Checking or savings account

On XX/XX/XXXX I decided to click on the " See my spending power '' just to see how much I could prequalify. But Affirm immediately put a freeze on my money savings account, claiming they suspected fraud and needed to verify my identity. I called Affirm support on XX/XX/XXXX because of the freeze on my money savings account. On XX/XX/XXXX and XXXX, XXXX from Affirm sent me instructions via email ( case ID : XXXX ) to verify my identity and I was able to submit that identity verification and pictures of my ID and myself. I waited their estimated 3-5 business days but did not receive resolve or any answer regarding their investigation. Instead, I keep receiving messages about my " loan application '' .They keep confusing my money savings account with a loan I don't want. This concern is NOT about a loan, it is about a MONEY SAVINGS ACCOUNT being FROZEN. I called again on XX/XX/XXXX and spoke with a higher-up agent regarding my concern and they said they would get back to me in 3 days after their investigation. On XX/XX/XXXX I received another email from XXXX trying to resolve a " loan application '' and to verify my information over the phone again. I called again and I keep asking how much longer until my account is unfrozen and they kept saying 3-5 business days and they keep giving me the runaround. I already verified my information several times through multiple agents and verified my identity to XXXX ( their link provided ). It has been XXXX business days and I have not received an email or anything regarding my account. I keep sending them messages and they are continuously ignored now. 

At this point, I am being unfairly kept from my funds.
Product: Credit reporting or other personal consumer reports

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. This is improper use of my credit report! These agencies must be looked at for predatory tactics and malpractices. When I initially disputed the items attached to this complaint, they had said that they " verified it ''. I am now requesting that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter and cease and desist letter to verify the account... Apparently the account has been charged off therefore they have been compensated.
Product: Vehicle loan or lease

During XXXX I was struggling due to Covid and the reduction in work due to the reduction in passengers at my airline. Yes my payment was made late but they kept adding the late fees and there reps just said yes the late fees get charged. Then things turn around and flying picks up and I get my loan back on track. Then in XX/XX/XXXX I paid the payment a couple of days early so they shorted my payment to pay late charges then charged me more late charges.
Product: Debt collection

debt collector apparently purchased my file from XXXX threatened to turn me over to XXXX county where I reside. harassed a co worker by calling my work.
Product: Student loan

In or around XX/XX/XXXX I received a letter from NelNet indicating my student loan payments would resume and to apply for an income based repayment plan. I had been on one previously ( before the XXXX pause ). I recertified my XXXX plan. My payment increased over {$1000.00}. I have been on a forbearance since. On XX/XX/XXXX, I called NelNet requesting they rollback my payment per President Bidens new announcement that XXXX recertification would be pushed to XX/XX/XXXX and anyone who already certified could rollback their payments. NelNet denied my request. On XX/XX/XXXX I called again. I spoke to XXXX ( employee number XXXX ). NelNet again refused to rollback my payments.
Product: Credit card

DearrepresentativesofTheConsumerFinancialProtectionBureau, IhopeyouaredoingwellinWashingtonD.C., andIhopethatyouare enjoyingthisEasterseason. 

I'mwritingtoyoubecauseI'mexperiencingsomeproblemswithmyWells FargoReflectCreditcard. 

Iboughttwojuices, Iuseamanufacturercouponand my Wells FargocreditcardinthesupermarketXXXX XXXX, XXXX, New York last XXXX Ialso returnedsomebottlestothesupermarketantheyput theminmyfoodbill. ( XXXX XXXX XXXXXXXX has bottle deposits for juices and sodas, I gave them many bottles ) Iwassupposedtobechargedonly $ XXXX gotcharged $ XXXXDollarsbymistake.Ialsogotsick withtwoofthesejuices.Mystomachgotirritatedbadly andIhadavery badnausea because of the juices. 

Icontactedthesupermarketaboutthismistakebuttheydidn'tcontactme back.

Wells Fargo doesn't want to give me the credit for my dispute.

Ialsowrotealettertothesupermarketcompany explaining this mistakebutIdidn'tgetareplytomyemailmessage. 

Idisputedmychargewithmy WellsFargoCredit Card withthehope thatwecanresolvethisproblemwithmycreditcard companybuttheydid n't approvemydispute. 

Thisisnotright, Iwaschargedincorrectlybythis supermarketandthesupermarketignored my email message. They also didn't return my phone calls when I called to speak with the manager and to travel there will cost me around {$9.00} Dollars, this is more than the disputed amount. 

ThecreditcardcompanyWellsFargodoesn'twantto helpme. 

Iwillappreciateyourhelpandcooperationin ordertoresolvethismatter. I will be glad to send you a copy of the email message that I sent to XXXX XXXX. 

All done concerning to this matter will be greatly appreciated. 

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

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX - XXXX Last XXXX digit of SSN : XXXX
Product: Student loan

I got out of Bankruptcy in XXXX of this year. I contacted Navient in XXXX to see if we can come up with a fair payment I can make monthly. I was told no they stated I was in default before I went into Bankruptcy and they are wanting payment in full. I was contacted again in XXXX and I was told they wanted to get rid of the debt and offered me a settlement of XXXX. I tried to borrow the money with a co-signer and was unsuccessful. Now Navient has contacted my employer and my family members leaving messages for me. This is causing me to have XXXX XXXX every time my phone rings. I really want to make a fair arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires are on my credit report that I did not make. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX