23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am being sued by a debt collection agency called XXXX XXXX XXXX out of XXXX XXXX, Michigan. For background purposes, I lived XXXX from XXXX until XXXX of XXXX when I moved to XXXX. In the late XXXX 's, I had entered into the credit card contract with Wells Fargo Bank while living XXXX, and any charges made on that account would have been made XXXX. According to XXXX XXXX XXXX, they state that the last payment I made on the account was XXXX XXXX, XXXX. XXXX has a 4 year Statute of Limitations on these types of debts/written contracts, so the SOL for this issue ran out on XXXX XXXX, XXXX. Despite knowing this, XXXX XXXX XXXX are now trying to sue me for the outstanding amount as well as their legal fees and 8 % interest on the balance ... even though the SOL has been expired for nearly one full year. I would like to point at that since the original contract for the account was signed and entered into in the state XXXX, this contract has nothing to do with the state XXXX and the 6 year SOL XXXX can not be applied against me just because I moved to this state. This is backed by XXXX 'Borrowing Statute ' XXXX Rev. Stat XXXX " If a cause of action arises in another state or territory or in a foreign country and, by the laws thereof, an action thereon can not be maintained in that state, territory, or foreign country by reason of lapse of time, the cause of action shall no be maintained in this state ''. 

XXXX XXXX XXXX is supposedly a " XXXX XXXX XXXX '', so they should know the laws set forth in the states in which they conduct business, which I 'm sure that they do, but are banking on the fact that the people they are bullying do not and will hopefully collapse under the weight of their intimidation tactics. The fact they KNOW that the SOL has already come and gone, yet they continue to prey on me, someone who is less educated in the ways of the law and force me to spend/waste ample of amounts of time and money that I do not have, to defend myself on a frivolous claim they know will not stand up in the court of law is egregious and disgraceful. XXXX XXXX XXXX and companies like them, need to be punished for their actions and have more stringent laws and guidelines placed on them so as not to fill the courts with these frivolous lawsuits.
Product: Debt collection

I have written to AR Resources, Inc., as well as XXXX Credit Reporting Agency -requesting that they investigate and update the inaccurate information they are reporting about me. The 'debt ' is not mine. The account numbers being reported are : XXXX and XXXX. This 'debt ' was incurred by someone other than me, using my name. Please investigate and instruct AR Resources to stop their reporting of inaccurate information about me. Thank you. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TRANSUNION regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security XXXX is XXXX. Upon reviewing my TRANSUNION credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting TRANSUNION directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report number XXXX. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my TRANSUNION credit report. Additionally, I seek written confirmation from TRANSUNION once these accounts have been corrected. I also ask the CFPB to investigate TRANSUNION handling of my dispute and its adherence to FCRA and CFPB rules.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. XXXX XXXX XXXXXXXX XXXX  XXXX After checking my most current report the updated information stated the accounts were purchased by LVNV FUNDING this account can not be reported as charged off on my credit report if the account was sold to another lender. Please send a 1099-C form for tax filing. 



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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX  XXXX BALANCED {$10000.00} XXXX  XXXX XXXX BALANCED {$3700.00} XXXX XXXX BALANCED {$5500.00} XXXX XXXX  XXXX BALANCED {$1300.00} XXXX XXXX BALANCED {$1400.00} XXXX  XXXX BALANCED {$3300.00} XXXX XXXX  XXXX XXXX BALANCED {$5900.00}
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital 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 to be removed/updated.

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.

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!
Product: Student loan

My private student loans which were serviced by Navient fell into default when I wasn't able to make full payments. At that time Navient turned over my loans to XXXX XXXX XXXX a debt collector. Upon speaking to XXXX XXXX XXXX, I was able to negotiate with them a reduced interest payment plan if I paid {$400.00} per month. According to the letter they sent me I needed to make the following payments to get on the program {$200.00} on XX/XX/XXXX ; {$200.00} on XX/XX/XXXX ; and {$200.00} on XX/XX/XXXX then upon my receipt of the next {$200.00} payment on XX/XX/XXXX my interest would be reduced to 0.0010 % and would remain at that rate provided I continued with the agreed payments of {$200.00} biweekly. All of my payments were successfully processed and still my interest rate was not reduced. I spoke with XXXX XXXX XXXX in XXXX, XXXX and XXXX when I noticed each month the rate didn't change and they promised me each time the rate would change after the " next payment. '' I then called Navient who told me they could not help me other than to say they have no knowledge of this agreement and my interest rate was still 11.5 %. I called back to XXXX XXXX XXXX and spoke with Supervisor XXXX XXXX who also promised me they would fix the interest issue and backdate it. I spoke with Navient again on XX/XX/XXXX and they said the interest rate is still 11.5 % so I sent them documentation of the letter from XXXX XXXX XXXX to show proof of the agreement. I called XXXX XXXX XXXX today XX/XX/XXXX to find out they changed their name and the reps keep hanging up on me each time I tried to call. Navient has not responded back to me to date on the issue. I don't know what else to do. XXXX XXXX XXXX is still deducting the biweekly payments of {$200.00} from my checking account. Navient is processing the payments and each payment is going to interest nothing to principal balance. Meanwhile Navient is still positing to my credit that I am not paying on my loans. The mark is failure to pay each month. They have told me they will not stop the negative reporting even though I am making payments according to my agreement. Please provide assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. XXXX Bank has did this on XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX and now XXXX of XXXX.
Product: Debt collection

The debt is over 10 years old and un collectible in the State of NJ statue of limitations is 6 years
Product: Credit card or prepaid card

I received an email and a flyer from Citibank for my Brooks Brothers Platinum credit card stating that I would receive a {$10.00} statement credit for each new automatic payment I set up for utility, cable or other monthly service provider bills. I complied with the terms of the promotion, but have not received a statement credit. I called Citibank and they have refused to honor this promotion. I have attached the email providing the terms of the promotion.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am the consumer, original creditor and natural person. Comenity Capital Bank has denied my right to credit as I applied for a XXXX XXXX credit card account on XX/XX/2022 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Comenity Capital Bank violated federal law by denying my credit application. Comenity Capital Bank also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, Comenity Capital Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Product: Debt collection

I was paying monthly to the provider and was sent to collections. I talked to the collections company and gave them my financial information. Now its saying they tried to charge me and charges suspended due to faulty date. I have them permission to charge me in XXXX and they tried in XXXX. I dont feel like I should be in collections period because i was paying what I could monthly to the provider. XXXX $ a month for a bill that was only XXXX dollars.
Product: Credit card or prepaid card

Applied for shell credit card was told it was shipped on XX/XX/XXXX have never received the card a XXXX later. Called XXXX times customer service is rude and hangs up on you said they couldnt help me due to changing my number after I applied for the card said I have to wait for letter with reference number got the letter XXXX XXXXXX/XX/XXXX called gave reference number asked to have a new card shipped XXXX employee number XXXX at XXXXXXXX XXXX XXXX said it was all taken care of and hung up on me not sure if he updated my phone number and if he sent me a replacement card this is ridiculous customer service and illegal to run my credit and never send me my credit card my account ends in XXXX. 

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

My XXXX XXXX XXXX XXXX was stolen in late XXXX. XXXX was made aware of this and given copies of the police report and the insurance company 's contact information. The vehicle was eventually recovered in XXXX of XXXX, however XXXX had already marked the account as a total loss and therefore cut off access to my account online and they refused to take payments over the phone. XXXX still is reporting the payments from XXXX to XXXX as being late. From XX/XX/XXXX until XXXX of XXXX the account is marked as no info as that is the period when XXXX had closed the account. 

During that time period I attempted to contact and pay these payments on numerous occasions yet no one at XXXX would assist me other than to say the account was closed. I even filed a XXXX XXXX XXXX complaint and XXXX replied to that by saying the account was closed. XXXX advised me to contact their insurance company who had a non-working email address and a phone number that had a message saying to try back later every time I called it. 

Then without informing me, but likely due to the sheer volume of phone calls and letters I had sent to XXXX, they re-opened the account and the payments from XXXX through XXXX are now marked as delinquent. 

In XX/XX/XXXX the vehicle was again stolen and in XXXX of XXXX, according to Transunion, the XXXX account was again closed. In XXXX of XXXX I finally was able to reach someone at XXXX in their internal collections department who agreed to accept payments. I have paid XXXX over {$20000.00} in the past two weeks to bring the account current. And fortunately the vehicle was again recovered by the police. However when I requested an extension or forbearance on payments I was told to make one more monthly payment and they would make a compromise with me. I made one more payment as requested and then they refused to make any offer and blamed me for the payments being late while they simultaneously admitted that they had closed the account previously and would not ave accepted any payments. 

I have attached documentation verifying all of the above information including XXXX response to the XXXX complaint that states I owed {$1100.00} ( one payment ), yet according the reports XXXX reported XXXX late/missing payments up to that time. Included in the documentation is an email returned to me showing the XXXX XXXX email address did not work and a letter I sent to XXXX after the XXXX  complaint in an effort to bring the account current.
Product: Payday loan, title loan, or personal loan

I have been diagnosed with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX since XX/XX/XXXX. 

On XX/XX/XXXX, a significant medical event occurred. Adhering to my XXXX  instructions, I stopped taking the medication XXXX, resulting in a XXXX  XXXX XXXX. Since then, I have been experiencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX - such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In response, I have been admitted to a XXXX XXXX XXXX XXXX since XX/XX/XXXX. So far, the cost of the medical treatment is currently at {$5600.00} with {$7000.00} pending insurance. 

The treatment costs has increased my expenses which caused me to create a personal financial statement of our monthly household income and our monthly household expenses/debt. Currently, our monthly household expenses/debt {$8800.00} is greater than our monthly household income {$8600.00}. Hence, my husband and I are in insolvency, and we have been notifying all of our creditors of our financial hardship while requesting for financial assistance. 

All of our creditors ( XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX ) but Affirm  have graciously offered us financial assistance. With these esteemed creditors, we have been paying a lower monthly minimum payment at a reduced APR, even with a grace period ranging from one to two months for an extended due date of our first payment on their payment assistance program.

However, Affirm did not offer any financial assistance, and I am in disbelief and disappointed in the business practice of Affirm for their lack of financial hardship policy for customers struggling through events of either that their income has decreased, their expenses have increased, or both. 

Therefore, we come your agency CFPB to help advocate for us in our need for financial assistance from Affirm to retain our home and maintain our households cost of living.
Product: Mortgage

After repeated requests, Nationstar Mortgage keeps sending me the refinancing offers all the time! The kicker : Nationstar services my mortgage already and I am perfectly fine with the conditions of my mortgage. 

I have repeatedly contacted Nationstar to refrain from sending me refinancing offers and they have not listened to me. I get the impression that Nationstar either wants to make money in refinancing again and again or they want me to be in their debt continuously. Get me into another XXXX year mortgage and the clocks starts all over again. 

Please do something about this.
Product: Credit reporting or other personal consumer reports

I contacted Experian, XXXX, and XXXX in XXXX of XXXX to correct inaccuracies in my credit report and Experian and XXXX declined to correct the reports. Under 15 USC 1681e consumer reporting agencies are to assure maximum possible accuracy. Experian and XXXX have been in violation of 15 USC 1681s-2 for knowingly reporting inaccurate information since that time. 

Incorrect information on Experian 's report : Two addresses are non-mailable : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former or current employers that are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect addresses on XXXX 's report XXXX Two addresses are non-mailable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX of XXXX, under 15 USC 6802, I opted out of XXXX XXXXXXXX XXXX reporting my nonpublic personal information. The consumer reporting agencies are still reporting my XXXX credit card balances/ transaction history, which is in violation of 15 USC 1681a. The consumer reporting agencies are also violating my rights under the Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XX/XX/XXXX Do not recognize, may be unauthorized XXXX XXXX XX/XX/XXXX There are multiple inquiries all within one day of each other on my credit report but I only authorized one. Please remove all of these unauthorized inquiries immediately.
Product: Credit reporting or other personal consumer reports

On my credit report there is an XXXX XXXX card number XXXX... and it says that this account has a late payment, and this is false. The minimum payment due on this account was due on XX/XX/year>, and the minimum payment due at this time was {$90.00}, and this amount was paid before that date. I have attached a copy of a file printed from the XXXX XXXX website showing that this payment was made on time. Kindly update this XXXX XXXX to pay as agreed
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a determination of dispute. It was a violation. On XX/XX/XXXX I inquired on the Experian website and found the information was still being reported. I am Reporting a violation on my behalf of all reporting agencies on the Experian website. Including Experian.

I am Stating 15 USC 1681b PERMISSIBLE PURPOSE. I have previously tried to resolve the fraudulent identity theft with all the reporting agencies and the merchants. 
This is a final attempt to resolve. I would like this matter resolved permanently and immediately.
Product: Checking or savings account

have been a victim of identify theft. They had my social, birth date and a drivers license in my name. 
First on XX/XX/2018 a person mid thirties walked into Umpqua Bank - XXXX, Ca branch and pulled a loan for a total {$10000.00}. The Manager said they were very high tech and the ID scanned and they setup a phone number earlier that worked when they called it to setup up the account. The also had a address in XXXX that they used. The person said he was at a funeral in California and needed the cash. And the manager approved the account.