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

Over 6 years ago I received a email from XXXX XXXX XXXX XXXX XXXX who had just switched over to XXXX XXXX XXXX. There was an error made by their system or office that sent out a email to me of a final move out statement for a damaged apartment that I never lived in for {$870.00}. I called the apartment complex and proved to them that they had sent this email to me in error because they didn't have a lease agreement from me and I had never lived in this apartment. I was told that it was sent to collections and I would have to contact the debt collector XXXX XXXX. I have tried multiple times to get XXXX XXXX to remove this debt because it does not belong to me, they ignore my request and continue to lie, and say that the debt is verified and meets FCRA requirements. It's obvious that XXXX XXXX does not even attempt to verify debt because if they did they would've quickly realized the original creditor made a mistake. This could have been resolved years ago but they refuse to even attempt to actually verify the debt which is illegal. I don't have to state all of the consumer laws that are being broken because the companies are well aware of them just as I am, and they are purposely being undermined which is illegal and unethical as a business. Being a XXXX XXXX at the time I was unaware of the steps needed to take legal action. I am now fully aware of the laws that these companies and reporting agencies are deliberately breaking and will now do everything in my power to get justice because this inaccurate information has plagued my credit report for over 6 years. I have email proof from the original creditor amongst other proof that this debt does not belong to me this is my final request to have this removed from all XXXX reporting agencies before I take further legal action for fraud.
Product: Debt collection

I purchased a vehicle in XXXX which was financed through Prestige Financial Services. My vehicle was charged off a few years back. I currently still have said vehicle in my possession and I have an agreement with Prestige where I am making WEEKLY payments to the company. Recently, I pulled my credit report and Prestige has my balance incorrect and shows $ XXXX  monthly payments. The last payment showing on my credit report to them was from XX/XX/XXXX which is incorrect. Prestige takes automatic payments from my account WEEKLY, and has been doing so for the last two years or so. I disputed these inconsistencies through the credit bureau as " incorrect balance '' and as not showing " pays as agreed ''. After being contacted by the bureau 's, Prestige has yet to report anything correctly which is holding my credit score down. They have only moved my balance by {$140.00}, when it should be way more than that. My weekly payments amount to $ XXXXmonthly. Not only do I have bank statements to show these deductions, I also have text messages from a XXXX XXXX will leave his last name out for protection ) detailing payment dates, amounts, and agreement that I had to approve. ***Documentation will be provided if needed***
Product: Checking or savings account

Steaming from an {$120.00} XXXX Dollar Lawsuit with the XXXX vs XXXX XXXX XXXX XXXX and an on going judgment by XXXX XXXX XXXX XXXX XXXX, XXXX ( Attorneys at Law ) on XX/XX/XXXX for the amount of {$1.00}, XXXX dollars. On XX/XX/XXXX, I was harassed, unlawfully and illegally arrested by 4 XXXX Police officers. As a law abiding citizen, I was shopping as a consumer at the local smoke shop across the street from my residence ( located in the plaza near XXXX XXXX XXXX XXXX, in XXXX XXXX, NV ). During that time a male XXXX XXXX XXXX wearing a blue bandanna came up to the customer service rep on duty by the name of XXXX and started making XXXX slurs and XXXX  comments using the XXXX. I turned around and asked the two if they would not say those words and make such a negative atmosphere. Its ruining my day. In return, they were offended by me taking up for my XXXX heritage. As they approached me, XXXX said that the young XXXX XXXX was the owner of the store and he can say what he wants. If I dont like it you do not ever have to come back to the smoke shop. And I ask if thats what he really wants, no problem. Some words were exchanged by the two and the XXXX XXXX tried to get tough and say that he will call his people to attack you. As a result, I said that I will call my people to and proceeded to dial XXXX, as I am walking out of the store to report the incident. After reporting the call, I proceed to the local donut shop in order to purchase the black and mild cigars and energy drink that I attempted to purchase at the smoke shop. While on my way back to my residence, I noticed the two XXXX police cars arriving on the scene. I doubled back b/c I did not want it to look like I fled the scene when I was the person in danger and called the police department. Upon my arrival, the officers approached me, put me in handcuffs and read me my rights after the XXXX slurs/bashing and discrimination continued. While being detained, my identity, lab top computer ( which was in the custody of the XXXX XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX # XXXX in XXXX XXXX, NV ), emails, credit and debit cards were compromised. Approximately, {$5.00}, XXXX dollars were illegally deducted from my unemployment account. Which was award as back pay while applying for unemployment through the COVID-19 epidemic. After I was released from custody I contacted Sheriff XXXX XXXX Area Commands department. The discrimination and XXXX  badgering continued by Detective XXXX via telephone from phone number XXXX.
Product: Debt collection

I received a letter from a debt collection company by the name of XXXX XXXX XXXX XXXX dated XX/XX/XXXX - which states that the current creditor is XXXX XXXX who is in affiliation with Resurgent Captial. The letter they sent me clearly violates the FDCPA 807 ( 10 ) " False or misleading representations '' in which the preclude to the letter states " Assigned as a Pre-Legal Account ''.  The letter continues on with multiple misleading and confusing statements cited as : If we can not resolve this account, our client will place the account with a law firm and in the same paragraph goes on to state We do not make any decision whether to place any account with a law firm as that decision rests solely with our client. No decision will be made regarding whether to place any account with a law firm until after the end of time frame described below. This is clearly misleading as in one sentence they tell me it WILL be placed with a law firm and a few sentences later it is inferred that it may or may not be sent to a law firm by the beginning sentence of No decision will be made regarding whether to place. This is an illegal practice under FDCPA in which the debt collector is threatening legal action that has no proven intent and is also violation committed by XXXX XXXX XXXX under FDCPA 807 ( G ) ( 5 ). Any letter from a debt collector or creditor has to be clear and concise and be able to be understood by the least sophisticated consumer. The materiality element of the Least Sophisticated Debtor Standard does not hinge on what an ordinary individual might reasonably interpret from a debtors communication, but rather, a material statement is one that  has a natural tendency to influence or has the capability of influencing the decision of the decisionmaking body to which it was addressed. Id. Here, the relevant decisionmaking body is the least sophisticated debtor. Id. ( citing XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 
Furthermore, XXXX XXXX XXXX states that the " current creditor '' is XXXX XXXX. Under the FDCPA the term " creditor '' is defined as anyone who extends or offers credit. XXXX XXXX XXXX nor XXXX XXXX ( Resurgent Capital ) has ever extended or offered any credit to me.
Product: Credit reporting or other personal consumer reports

Transunion keeps posting incorrect information ( incomplete, inaccurate, and missing data ) on my credit report, which violates FCRA and is noncompliant with XXXX XXXX guidelines. This is unfairly hurting my credit and financial standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting late payment XX/XX/2020. This payment was not late to due XXXX XXXX in place order. I made arrangements with XXXX about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a thorough investigation and verification of my account.

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX - XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - XXXX - XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Student loan

Violation of the CFPBs XXXX consent order against Discover Student Loans.The order was issued in XXXX, yet I did not receive any notice of the consent order until spring XXXX, XXXX years later. Letters attached indicate that DSL inaccurately reported my account/payment status to the consumer credit reporting agencies, failed to provide an IRS Form 1099-C, and of " impact of an issue where we made an error servicing your loan and you may have incurred a financial impact due to this issue ''. I received a small amount of compensation for these issues, with vague allusions from XXXX that more compensation is available. Unfortunately, past experience with DSL has proven time and again that it is nearly impossible to get information out of them ( see attached letter from my co-signer RE her struggles to deal with DSL, often to disastrous financial consequences to XXXX our family ). I am therefore looping in the CFPB to hopefully bypass the woefully inadequate DSL customer service, in when we are repeatedly told by representatives that they don't have access to the information requested, in an effort to get a clear record of all errors/violations caused by DSL so that we can get full compensation.
Product: Debt collection

Demand for Removal of Balance on Charged-Off Account I am writing to formally dispute the charged-off account listed below on my credit report, as it continues to show a balance despite the account being charged off. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to report accurate information to the credit bureaus.

The account in question was charged off, but it is still reflecting an outstanding balance. Once an account is charged off, the creditor must report the account with a {$0.00} balance, as the debt is considered uncollectible. Continuing to report a balance is a violation of FCRA 1681s-2, which mandates that only accurate and complete information be reported to the credit bureaus.

Legal Basis for Removal of Balance : FCRA 1681s-2 Reporting accurate information to credit bureaus.

FCRA 1681i Requirement to investigate and correct inaccurate information.

FDCPA 1692e Prohibiting the reporting of misleading or false information.

I request that you correct this error by reporting a {$0.00} balance for the charged-off account and remove all comments that violate my right to privacy. If you fail to do so within 30 days, I will consider further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the credit bureaus, as well as pursuing civil damages for any violations. 

Please ensure this correction is made promptly.
Product: Debt collection

Towards the end of my lease of XX/XX/year> at XXXX XXXX XXXX XXXX XXXX an unfair disposition fee was made by landlord/property manager in the amount of {$1700.00}. After consulting with XXXX, XXXX XXXX XXXX by e-mail along with property manager an agreement was made to add the deposit towards disposition fee reducing the amount to {$420.00}. this information is saved and documented by e-mail. there is a collection reported on my account in the ammount of {$1800.00}. i am looking to get this collection removed do to inaccurate information with the amount being incorrect.
Product: Debt collection

The debt was paid to the original creditor. I called and spoke with the collection agency and they agreed to remove the debt. I sent them the attached receipt. The collection then showed up on my credit report as " unpaid ''.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the XXXX grace period : According to my payment records, I made the payment on XX/XX/XXXX, which is well within the creditor 's XXXX grace period. The payment was not XXXX  days late as reported. 
Clerical error by the creditor : There appears to have been a clerical error in the way XXXX XXXX XXXX processed my payment for XX/XX/XXXX. I provided documentation showing that the payment was deducted from my account on XX/XX/XXXX, well before the XXXX late period. 
Evidence Provided : I have attached bank statements, payment confirmation emails, and records from XXXX XXXX XXXX proving that the payment was processed on time and that no XXXX delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

In accordance to my rights of privacy 15 usc 1681 section 602h along with 1681 section 604a section 2. I want all addresses listed on my credit report removed. I have attatched two files that reflect the correct name, correct spelling, correct address. This is the only information on myself that i want present.
Product: Credit card

Mailed two payments ( Money Orders ) one was posted other one wasn't on XXXX XXXX with Capital One Quick Silver I have called them XXXX times they can't find my {$50.00} payment now I have been charge a late fee and my credit rating on XXXX XXXX has went down. I am on a fix income can't send another payment I want to pay these cards off and close them.
Product: Mortgage

A separate complaint was entered on XX/XX/2021 due to the delay of a modification request. The company ( Freedom Mortgage ) continually told myself and my co-borrower that our " signatures '' did not match what they had according to their underwriters and despite their documentation requesting that we signed the documents in a manner which they specified. The company response to the last complaint simply reiterated this signature issue without resolution. 

After multiple calls to Freedom Mortgage and being advised to constantly wait for a callback ( we never received one ) we were advised that our " [ modification was approved and that the underwriting issues did not matter, so we should just make a payment based on the modification ] '' when the website and/or statements were updated. The website and statements were never updated and do not reflect an active modification agreement. We've made multiple recorded requests on this and were constantly told to " wait ''. 

Recently, the representative language has once again changed randomly. They now tell us that b/c we didn't make a payment we have to accept a new COVID 19 agreement w/ a rate 1.125 pts higher than the original modification.
Product: Credit reporting

I have previously disputed inaccuracies on my bankruptcy # XXXX XXXX such as balances, Trans Union LLC always comes back verified with no proof just name and address of court house. According to the provisions of the Fair Credit Reporting Act 609 ( a ) ( 1 ), ( 2 ). Proof should be verified physically and not through a 3rd party.
Product: Credit card or prepaid card

Comenity Bank, XXXX, VA- issuer of a store ( XXXX XXXX ) credit card - keeps on charging me interest and compounding it on a XXXX balance credit card that I have paid off and asked them to close. Please see the last two statements that show the card completely paid off and the compound interest charged.
Product: Credit card

my XXXX  XXXX  card with Navy Federal Bank statement date is the XXXX of every month closing date is the XXXX of every month. as I am out of work I pay it on the XXXX XXXX the same month so I will not be 30 days late, they are aware of me being out of work, I pay every month in that manner so I may live up to my obligations to be committed to repaying my debt. they have reported me late for XXXX and reported me late for XXXX as well and XXXX has not closed yet I have my bank statement that proves they received their payment, I have asked them to pull the call to show the payment was made on the XXXX of XXXX they refused, I want my report updated on all 3 reporting agencies as accurate, they report over to these agencies at the close of the statement date which is the XXXX of the month. I want my report updated accurately the last time I brought this to their attention they closed this account after I reported this matter to CFPB 2days later, they have very nasty practices I feel I am being racially profiled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX:XXXX  ) XXXX XXXX ( XXXX : XXXX ) XXXX XXXX BANK ( XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX ) XXXX XXXX ( Equifax : XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX ) XXXX ( XXXX : < ) XXXX XXXX ( XXXX  : XXXX )
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXXFloridaXXXX
Product: Credit reporting or other personal consumer reports

My account with 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 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 that are reported 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  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

I've been having the hardest problem dealing with someone using my personal information to open accounts in my name without my consent. I've filed police reports and FTC report trying to clear my name but i'm not having much luck.