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

My account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX/DEPT OF ED was never late XXXX I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported 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, AND XXXX/DEPT OF ED 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 ordered a copy of my report in smartcredit and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$350000.00}
Product: Debt collection

I have NOT been in contact with this company except to file a complaint via CFPB. I am requesting for this company to provide a ( Debt Validation Letter ) signed contract by me proving that they have a legal right to collect on this debt. More importantly to provide the original contract signed by me, authorizing the original company to sell the debt to a third-party collection company. My legal rights are being violated by this Collection Agency because there is no contract signed by me proving a business agreement and they have not provided me with the Original signed contract with my authorization. Reporting a debt without a legal agreement is in direct violation of my rights as a consumer.
Product: Student loan

Hello, I received the response from Nelnet on the CFPB website. I reviewed it and I have some questions. I would like to know how and when was I notified that I was supposed to start payments in XXXX of 2014? I was still contemplating classes and under the impression I was in deferment. Can I get the documents that stated I was to begin payments at that time?
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$690.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, we paid off our loan with TD Auto Finance. On XX/XX/XXXX, we called XXXX XXXX XXXX to confirm payment & title release. Currently, our account shows closed and no remaining balance. 

On XX/XX/XXXX, we called TD Auto Finance, and the representative stated the title was released on XX/XX/XXXX. 

As of XX/XX/XXXX, we still have not received the title. On this day, we called TD Auto Finance again, and the representative told us that she saw a couple of error messages on our account, XXXX involving the title and another on payment. The representative was helpful but was not able to provide any further information. 

TD Auto Finance has delayed our title release despite paying the account off. Also, with the call on XX/XX/XXXX, and the errors in our account, they have failed to communicate any issues/errors and have delayed our receipt of the title. 

We are selling the vehicle, and this delay and TD 's lack of communication and poor service have caused us a negative reputation with a buyer and the risk of financial harm, at the least. 

In the spring of XXXX, we will purchase a new vehicle. This experience and the XXXX XXXX XXXX XXXX article of XXXX XXXX will impact our choice of who we will use for financing. 

On XXXX at approximately XXXX AM Eastern Time, XXXX XXXX XXXX New Hampshire Department of XXXX XXXX XXXX They confirmed TD Auto Finance had not contacted them that the account is paid in full and the title will be released. 

This morning, XXXX, we called TD Auto Finance and the New Hampshire Department of XXXX XXXX XXXX NH XXXX XXXX. 

In a call with the NH XXXX, they informed us the error code being received by TD Auto Finance does not exist. The NH XXXX records are correct. The NH XXXX also informed us that there is no need for TD Auto Finance to contact the NH XXXX. 

We did everything right by paying our loan on time and paying it off, and TD Auto Finance is refusing to release our title. We have spent an enormous amount of time away from our jobs to make phone calls, which we should not have had to do. 
Based on conversations in many online forums, TD Auto Finance has a negative reputation, especially for holding titles XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My servicer is Coast Professional. They garnished my wages at {$200.00} a month, which I can't afford and have been paying over a year. I contacted Coast Professional months ago and gave them my information that they should have asked for before they garnished my wages. I gave them my rent statements and other bills I have to pay each month. They told me based on those statement that I should be only paying {$10.00} a month. It's been about two months and I have not heard from them and I am still paying {$200.00} a month. A few days ago because of the coronavirus, I wrote them a letter asking for a forebearance. My payments should be stopped at this point. Not only that, Coast Professional should pay me back from paying {$200.00} a month when I should have only paid {$10.00} a month.
Product: Debt collection

I received 2 phone calls from a man Calling himself XXXX XXXX saying I owed for a Chase Credit card from 2001. I never had a Chase credit card. He even called my brother! He then starts rattling of very VAGUE threats of lawsuits and taking my business license??? I DON'T HAVE A BUSINESS LICENSE ... He is freezing my bank accounts etc.. Unless he's the Federal Gov't ... I dont think anyone can freeze your bank account over a supposed outstanding balance ... lol .... This guy is just harassing people to see who will pay him. He claims to be a paralegal.. but doesn't use 1 legal term that makes any sense .... what a scammer Please stop this scammer
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ECMC for committing identity theft. I have never given ECMC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant 15 USC 1692c ( c ). I am demanding a cease a desist of all illegal activity, any communication and collection activity of this and any alleged debts until ECMC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced with the original instrument and not a promissory note and ECMC continues its collection efforts, I will file for litigation for actual damages caused and ECMC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

Note : The original creditor XXXX Rhode Island XXXX XXXX charged this debt off and canceled it with a 1099-c and I filed my income taxes and filed this as earned income. Earned income shouldn't report on my consumer report. 

I never had a trilateral contract with ECMC. I only had an agreement with XXXX. 

I have documentary evidence ECMC practices & commits unlawful racketeering activity pursuant to 18 U.S. Code 1961racketeering activity means any act or threat involving extortion, dealing in obscene matter. 
Furnishing 2 collection to my consumer report that has not been validated as a means of coercing me to pay an alleged debt is a violation of 15 U.S. Code 1692d ( 4 ) and I reported ECMC to the FTC for debt parking. 

I DEMAND ECMC to delete both accounts ( below ) and have XXXX, XXXX and XXXX DELETE both accounts immediately or I will sue them for breaking my federally protected rights as a consumer. 

DELETE ECMC | Account # : XXXX | Balance : {$6400.00}. 
ECMC | Account # : XXXX | XXXX : {$10000.00}
Product: Vehicle loan or lease

Its Wells Fargo invoices.Theyve pre dated the statements so that the payment due date is over a week late when I receive the bill.Ive got all of them here and because Im old and cant see that well I had my son take a look at it and he flipped out.I mean theyve been racking late charges on top of missed payments putting me in the red.

One of the invoices : Statement date. XX/XX/23 Payment due date. XX/XX/23!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and major financial loss, and i seek appropriate redress for these violations
Product: Vehicle loan or lease

On XX/XX/19 I XXXX XXXX contacted XXXX XXXX to retrieve my property and work tools ( massage table ) ( Massage Chair ) both were taken out of my vehicle and are being held for ransom by Regios Inc, they will not allow me to retrieve my property, This is an illegal being committed. I tried to speak to the manager but after a short conversation she hung up the phone on me and ignored my calls when I tried to reach her again, she was very rude and unprofessional.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report i noticed that there were inaccurate accounts and information on my consumer report, the consumer reporting agencies never gave me my right to opt out and further more they never asked for my permission to furnish this information. further they have assumed this vital role and have infringed upon my right to privacy selling my information to a 3rd party debt collector, in pursuant to 15 USC 1681 ( 4 ) my privacy has been invaded and damages have been done, the damages that arose were to my mental health, my financial situation and its also stopped me from traveling to and from work.Also Ive been a victim of XXXX XXXX violating 15USC-1692d as well reporting to my consumer report without my written consent or approval violating 15USC-1681b also falsely and inaccurately reporting to my consumer report violatingThe Fair Credit Reporting Act ( FCRA ), 15USC-1681 in essence tarnishing my consumer report and my reputation, deeming me untrustworthy to other lenders.
Product: Credit reporting

I have tried multiple times, from multiple sources, to get my Credit score. Every time, it asks me to choose an item ( i.e Mortgage, credit card ) that I 've never signed up. Every time I select 'None of the above ', because the information it asks for does n't fit anything I 've signed up for. I do n't own a house, therefore have no mortgage and I do n't have a credit card opened in my name despite every company thinks I do. It fails to give me my Credit information. I looked up the reasons why my Credit is bad, it says I have medical bills not paid for in Arkansas from XXXX. I have lived in Georgia since XXXX and have not lived in Arkansas since XXXX. I believe I 'm a victim of Identity theft. 

I have attached XXXX. The first has question similar to what I get asked, the second is it failing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

A lease from XX/XX/2016 is still showing open and delinquent. It was paid in full and closed never delinquent for the entirety of the lease. I sent a dispute and Emailed Experian and they have done nothing about it.
Product: Debt collection

I received a call from Radius Global Solutions and made them aware that I do not owe the alleged debt they were calling about. I then received a demand in the mail stating that they are attempting to collect a debt violating my consumer rights pursuant to federal law 15 usc 1692b ( 2 ) and 15 usc 1692b ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. Went to buy truck. XXXX XXXXXXXX, said approved at XXXX XXXX XXXX XXXX an XXXX XXXX XXXX. Then received letter from XXXX XXXX saying I was denied. Said they used SageStream, where my credit went from XXXX at XXXX, to XXXX at SageStream. I am complaining about Sagestreams Reasons of key factors that adversely affected your credit score. They said I had limited history at address and phone, length of residence too short, and limited history at phone and too few active accounts. This is All false. I have 10 active personal account. I have lived at same residence with same since XXXX and same phone number over 20 years. Never been late on any payments in last 30 year. Who is SageStream? Are they legitimate? On their web site they want my drivers license, social security card and recent bill to even look at complaint. Tried to call wont call back. Also on paper from XXXX has wrong street address.
Product: Credit card

I just noticed an email sent yesterday from Chase : " We haven't received your credit card payment. '' I wasn't aware that I had a credit card w/ Chase ... .so I clicked on the link and saw what looked like a Chase website. 

I called the number... .but couldn't get anywhere. They said that they needed my account number ( which I wasn't aware that I had an account number ) ... ... and then the only way to go over this with me is to get my social security number. 

I refused to hand over the social security number. I did a XXXX & the only other emails that I had from Chase were XXXX XXXX ... .its possible that they went directly into my spam and were deleted, but I can't tell. 

I have absolutely no recollections of bills being sent to my address... .No recollection of activating a credit card with them ... .No recollection of using a credit card with them. 

I do recall throwing out some credit card offers, but I don't recall with which companies. 

The woman on the line stated that they couldn't send me anything in the mail... she just needs to get my social security number from me...... like WHAT???? I can't tell if this is actually Chase, some scam, XXXX ... .or what's going on. If this is Chase, shouldn't they have been sending me bills in the mail to my address?? Shouldn't I have a physical credit card with them??? Something???
Product: Credit reporting or other personal consumer reports

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

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: Credit reporting

Equifax is ignoring information that was sent to them inregards to my accounts with the us dept of ed they have a letter in there files that tells them to remove all accounts I am not on the XXXX report witch is the fed dept report they can not verfy any information other then what is given to them this accounts need to be removed they are sharing information with every one who runs my report that I have debt I do n't owe they are allowing a compy with no right to report to my credit to do so
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.