23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report shows a debt in collections from a peppercash.com. A payday loan that i never applied for, nor recieved any money from. This is a known payday loan scam ( tribal ). The amount is for {$800.00} and shows as a negative collection on all of my credit reports. I have contacted the original debtor, whom offered no assistance, unless i gave them my privite social security number to look up the original loan details, which i refused to provide. peppercash   telephone agent could not look up any details of loan and instructed me to reply with inquiry to the following email. 

XXXX upon investigating, i have. discovered that this is a known company & scam. Please accept my report/claim, and assist me in getting this fruadulent loan removed from my credit reports. 

Red Rock Lending www.peppercash.com Big Picture Loans
Product: Debt collection

On XX/XX/2017 your Inquiry Resolution Specialist, XXXX XXXX, sent me a letter. This letter was XXXX XXXX XXXX attempt to validate a date. The said debt belongs to XXXX XXXX XXXX. The debt is not theirs to collect from me. 

The company went further on to send me a bill from XXXX XXXX XXXX that outlined medical procedures that had taken place. We BOTH know that is an automatic HIPAA violation. The company went even further as to present a document that could be used as a contracta contract between XXXX XXXX XXXX and XXXX XXXX. Unfortunately for the agency, the contract does not include XXXX XXXX XXXX. Also, the signature is not mine-at all. Each credit bureau has a copy of my identification and ssn card ( which includes my signature ). 

Due to the recklessness on your XXXX XXXX XXXX part, I have reported them to the Office of Civil Rights for their HIPAA violation. I have also reported them to the BBB for misrepresenting their actual power. XXXX XXXX XXXX is currently banned from collecting in the state of Illinois -- which is my current residence. Also, since this agency is responsible for the only collection any of my three credit reports, their false reporting has caused me undue damage.
Product: Debt collection

In XXXX XXXX, XXXX XXXX  XXXX put a judgment on my property without contacting me of a court date. They charged me over {$6000.00} with interest. I recently received a debt collection notice from Nevada stating I owed them over {$13000.00} for this judgment. 
This debt was from my deceased husband and I from before XXXX. At the time in XXXX, I was going through XXXX treatments until aprox XXXX. I was on XXXX all the time since XXXX. I am now XXXX years old and in no way able to pay this debt. 
The company I received a notice from is XXXX XXXX XXXXXXXX in Nevada ... I don't know if this is legit.
Product: Checking or savings account

Someone stole my personal check from the mailbox and forged it. She cashed it at Chase and deposited it into her own Chase account. So Chase cashed a forged check. They will not refund my stolen money. It is {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I'm sending the CFPB another another complaint. I was a victim of identity theft once more, and this is my sixth CFPB complaint requesting to block or erase the data from my credit file that was obtained as a consequence of the fraud. The Credit Reporting Agencies must delete any accounts in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which must happen no later than 4 business days following XX/XX/XXXX, the date of the dispute letter I just sent. I had already shared this report in my CFPB complaints, and I am submitting it once more. Additionally, I have my questions regarding the authenticity of the information some credit agencies gave on some accounts because it was REMOVED from other bureaus and was UNKNOWN to me. This letter is to let the credit bureaus know that I will be suing them if they do not REMOVE the specified accounts from my record. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate disobedience. This is the LAST WARNING for you. The allegedly stolen accounts should be REMOVED, thank you. The following accounts need to be deleted as soon as possible : XXXX XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX FS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

PayPal signed me up for PayPal Credit. When I complained, Phone rep claimed I " opted in '' via their website. This is probably factually accurate but I sure do n't remember asking for or approving a line of credit when I opened my PayPal account. Account was closed without dispute, but the practice is questionable at best. Their disclosures simply are n't adequate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the minimum payment for this month. I would like to request to have the minimum amount corrected to reflect the exact minimum amount and entire balance. In XXXX of XXXX, I sent my payment to Walmart for the minimum amount required. Accordingly, I mailed this to Wal-Mart before the due date ; however, the date the check posted was 1 day after the due date. Notwithstanding, I asked Wal-Mart Customer Service if they could renounce the late fee for this month. I obtained a notification via chat regarding the late payment. I asked to have the late fee waived. Walmart complied with my request. However, I noticed on my next month 's statement that the late fee had not been waived. I contacted the Walmart Customer Service Department to discuss the possible oversight. I asked about the minimum  payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with claimed there is no set amount for the minimum payment each month. I did finally receive a statement for this month that just shows an amount past due and it's delinquent. The minimum amount should not exceed 3 % of the total amount for the principal. I tried to file a complaint with XXXX  but the online dispute website was down at the time. 

I'm writing to dispute the above account. I disputed the Walmart credit card balance a few months ago. THis account under XXXX Walmart was closed but still showed as late. The account was transferred to Capital One Walmart with the incorrect amounts. I've been sending 3 % of the total amount due. I would like to have the trade line for Capital One Walmart at CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX ending in XXXX.
Product: Credit reporting or other personal consumer reports

Dear representatives of the Consumer Financial Protection Bureau, I need your help in removing fraudulent account from my credit reports. This account was previously deleted in response to my requests but has reappeared again. 

According to the Fair Credit Reporting Act ( FCRA ), once an account has been removed from my credit report, it should never reappear without my consent. 

I kindly request that you take immediate action to remove this account from my credit report in accordance with the FCRA : Account : XXXX  XXXX - BANK OF AMERICA - XXXX - XX/XX/year> - {$29.00} XXXX hope for a prompt and effective resolution to this matter. 

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

Amerihome is misreporting my transferred mortgage to XXXX. The mortgage was transferred to XXXX XXXX, which is reporting the account correctly. This error is hurting my credit and making it difficult to open new lines of credit.
Product: Debt collection

I entered into a {$2500.00} retainer agreement paid in full at the time of initiation with XXXX XXXX for a no-fault divorce case on XX/XX/XXXX. The retainer agreement states that XXXX XXXX must notify me in a timely manner when the remaining retainer reaches {$1000.00}. The XXXX XXXX firm violated the retainer agreement by failing to request replenishment of the trust account balance. They exceed the agreement without notification or my consent. When I realized XXXX XXXX had massively exceeded his retainer I immediately requested that he cease billing. He responded by filing a motion with the court to be relieved from his legal obligations. He has continued billing and recently sent my account to collections in XXXX of XXXX  for unauthorized legal fees. 

As a result, I was forced into a legal separation instead of a divorce. XXXX XXXX lacked the competence to obtain a no-fault divorce for the {$2500.00} retainer we agreed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an incorrect account that is reporting on my credit report for over four years now it is showing two of the same thing and neither of them are mine I have tried multiple times to have it removed and have also asked for proof on how that account is mine and they can never tell me and XXXX is not helping resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Equifax Credit Bureau, my reported score dropped XXXX POINTS on XX/XX/22 with no significant changes to my history except XXXX balance DECREASING on credit account. I have had no recent hard inquiries on my credit, no dramatic balance increases, and no reported collections or late payments. XXXX XXXX XXXX both have not reflected this change, and despite signing up for a personal account WITH Equifax on XX/XX/22 for a closer look, there is no further information to be found. I find this unacceptable that there has been such a huge drop in ratings, especially with Equifax 's history of incorrect credit reporting in the past according to the national news reports. This is the SECOND complaint I have filed for unjustified changes in the last XXXX months.
Product: Credit reporting or other personal consumer reports

This account was not opened by me and I had no knowledge nor did I consent to it be opened. It was opened fraudulently and unauthorized by me and under the FCRA my rights are to demand the following information ; see below ; as a consumer and also for the credit bureaus to uphold that right and provide the information and conduct a thorough and diligent investigation. Please see the attachments as well. This should be an expedited process 1.A copy of the original contract or agreement bearing my signature that validates this alleged debt.

2.Detailed records showing how the amount was calculated.

3.Proof of your right to collect on this account.
Product: Mortgage

Previously I had filed a complaint to the State of Oregon Comptroller 's office regarding Wells Fargo 's unethical treatment by agents resending on agreements for terms on our home mortgage payments during a time we needed assistance due to much hardship beginning with XXXX. Our home and land was lost. I have been saying the same thing about the unethical treatment of Wells Fargo for many years. 
I contacted Wells Fargo numerous times and provided them with all info they requested. 
We then mortgage repayment letters that were far different from previous statements and were impossible for us to catch up and make the banks demands. We had land as well as livestock. This created a horrific and XXXX  draining situation to find homes for the livestock and us in the very rural area. Our home was broken into and then posted no trespass by Wells Fargo. We lost much of our personal belongings. There were elements on the access road to our home through the subdivision which made the road impassible due to flooding as well. I reported this complaint to CFPB complaint # XXXX on XX/XX/XXXX and provided documents. ( please see complaint ) I have submitted complaints and request for compensation to Wells Fargo and as of recently they have once again made confusion and recanted on paperwork they sent to me. I have been working currently with XXXX XXXX, phone # XXXX # XXXX last we spoke he said to contact him with follow up questions but when I called back the next day his answering message said he was on the line helping others, which was not true as he had left for vacation. XXXX XXXX had sent a letter on XX/XX/XXXX ( attached ) asking what I desired for a resolution. So I spoke with XXXX who said he would follow up. Then out of the blue I receive a phone call on XX/XX/XXXX from a women Wells Fargo representative who tells me my complaint is not valid for the Wells Fargo settlement and I will not get any money. I had filed to be a part of the Class action Wells Fargo mortgage claim. I did so online as well as a phone call to Wells Fargo. I once again asked this agent if they had my address correct as they had not previously, they claimed and causing paperwork to reach me late. I requested of XXXX XXXX to email me documents as well as send USPS. he has been out on Vacation until XX/XX/XXXX I received another letter dated XXXX case XXXX and it said Wells Fargo was committed to looking into my complaint. Then today on XX/XX/XXXX I receive at the USPS a XXXX letter from Wells Fargo that says they inadvertently sent me an acknowledgement letter on case # XXXX, they apologize and are withdrawing the case. ( attached ) once again they have recanted. I maintain that Wells Fargo caused us to loose a home, land, livestock and personal effects. Causing much emotional stress and displacement. XXXX XXXX formerly XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter for inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these accounts gives me a reason to immediately repair the accounts from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( XXXX ), 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 creditor. Please update and correct my accounts right away. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To Whom It May Concern : In the most recent response by SLS, they claimed that this XXXX is NOT a " Zombie Second Mortgage '' ; but of course this is false : XXXX ) No payment has been made on this lien since XXXX ( see attached documentation submitted by SLS ). 
XXXX ) No contact was established between SLS and XXXX between XXXX and XXXX and again from XXXX to XXXX ( See attached documentation submitted by SLS ) XXXX ) SLS accelerated the loan on at least XXXX occasions before pursuing the current foreclosure proceedings ( See attached documentation submitted by SLS ). 

The documentation shows that this XXXX IS a Zombie Second Mortgage. SLS 's attempt to misrepresent the nature of this XXXX to the CFPB is a violation of the law. 

Furthermore, SLS 's nefarious activities that ignore laws, ethics, and decency provide them with a competitive advantage when compared with other companies which value integrity over profits. This is unfair to honest companies who follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

An oversite occurred on XX/XX/XXXX, when I logged into my Ford Motor Credit account to make a payment of {$680.00} on account # XXXX. The wrong payment amount filled in was incorrect, the amount auto-filled in was {$630.00}, which was an accidental error that I did not realize at the time. This error resulted in Ford hitting my account as a XXXX late payment. When I discovered the error I made the correct, however, I still received a late payment on my consumer report. 

This was an oversight and error, not intentional. I have had multiple leased vehicles through Ford Motor Credit and I have never been late with my payment history with my ten-plus year relationship with Ford credit XXXX The error back in XX/XX/XXXX, was a {$50.00} dollar difference/oversight. 

I received a letter from Ford Credit 's credit dispute analyst named XXXX, dated XX/XX/XXXX, in his response he claims " the full payment must be received, or an extension requested and processed before the payment is XXXX days past due. '' I didn't discover the error had occurred in time to meet the timeframe described in his letter. 

As a consumer, that has always had a good standing payment record with Ford Credit, it's very surprising that they seem to be unwilling to look at my good standing payment history, and realize this was a simple error that wasn't discovered in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ; XXXX XXXX XXXX  : {$0.00} ; DEPTEDXXXX   XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REFERENCE TO Americollect XXXX XXXX : ACCOUNT XXXX XXXX as of XX/XX/2023, This agency has yet to verify after 2 attempts and UNDER 15 USC 1681 SECTION 604 STATES THEY HAVE VIOLATED MY RIGHTS AS A CONSUMER AND NEVER HAD A WRITTEN CONSENT TO DO SO.!! PLEASE DELETE!
Product: Student loan

Hello- My school ( XXXX XXXX XXXX XXXX ) was part of the settlement between Illinois and XXXX XXXX XXXX. For several years now, I have tried many times for loan forgiveness under this settlement however Navient continues to deny my multiple attempts for loan forgiveness. 

I have filed a complaint against Navient with the assistance of XXXX XXXX at the State of Illinois Attorney Generals office however Navient denied by claim stating that in the settlement agreement, I didn't meet the criteria due to my loans not being in default ( they actually were ). 

I was just recently contacted again by the States Attorney 's office who notified me that I should request the School Misconduct Discharge Application as another attempt to have my loans dismissed. I have called Navient 4 times to get the application and just today, they denied me stating the back-office didn't see a reason for my loan dismissal. 

I need a copy of this document sent to me to at least make another attempt. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive escalated this account for several times, directly to your department, concerning an account number XXXX - XXXX - Date Opened : XX/XX/, and I am not aware that this was furnished on my credit file without my approval. I never received any notifications nor warnings about this and I never authorized any person to make some changes on my credit report. I want this to be fully removed from my record. 

I find this account very misleading, incorrect and inconsistent. Please know that I dont give anybody consent to make use of my name and my identity. So, kindly take this off of my credit history immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I sent Equifax and XXXX an dispute for incorrectly reporting XXXX XXXX XXXX {$630.00} on my credit report. No verification with signature or anything else was sent to me that this collection belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Account Name : XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$190.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : {$400.00} Account Name : XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$400.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$250.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$590.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2500.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Fraudulent Inquires Company Name : US DEPARTMENT OF EDU Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX