23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am a senior citizen and I took out two loans with Rise Credit. The first one I paid off then a few months later I took out another loan. With the most recent loan the contract stipulated that my payments were due every XXXX of every month. During the course of my loan, I missed the XX/XX/XXXXdate and the XX/XX/XXXX due date, this was considered 30 days late. My financial hardship continued and I sought to avoid a 60 day past due status, therefore I was able to gather {$410.00} on XX/XX/XXXX the day my account was due. I knew that a consumer becomes delinquent after missing a single monthly payment. However, delinquency is not generally reported to the major credit bureaus until two consecutive payments have been missed and furthermore reporting to the credit bureaus occurs every due date/billing cycle and characterized as 30-60-90-120 in conjunction with due dates and not the literal days in a calendar. 

That is why I was surprised that when I called to make the {$410.00} on XX/XX/XXXX, the day my payment was due, Rise had already charged-off my account. My delinquency began when I missed the XX/XX/XXXX payment and even I paid on XX/XX/XXXX my account was charged off. Billing cycles by all financial standards as far as credit bureau reporting are concerned are concerned with due dates and a 30-60-90 threshold. 

Upon speaking to Rise to address my concern they stated that their policy is to charge off accounts once they become 60 calendar days past due. I have never in my life knew of a non payday loan, financial institution that allows its installment loans to charge off accounts once it reaches 60 days past due. It seems that Rise has devised a financial model to charge-off accounts prematurely to maximize profits with high interest rates in conjunction with high payments then shortly thereafter selling charged off accounts to collection agencies. 

The contract that I signed does not state anything about their charge-off policy in light of the fact that it is reasonable and overwhelmingly normative in the financial industry to charge off accounts once the reach 120 days past due. Rise deceptively choses to charge off accounts once they reach 60 calendar days, and as a result harms consumers credit who are most vulnerable and attempting to rebuild their credit as I am. I managed to pay {$410.00} on XX/XX/XXXX, all for nothing, all I gained from doing business with Rise is stress. Rise policy is not right, it is abusive, and I am sure other unsophisticated consumers are being harmed due to their intentional crafted financial model that might very well be violating financial statutes. If Rise is allowed to charge off accounts after 60 days past due, why not 30 days past due, what stops others from adopting such policy?
Product: Credit reporting

I have continued to dispute this on my report for years. The company ca n't show me proof of a signature or delivery of any goods or any payments made.
Product: Debt collection

This is my second complaint against this company about a consumer credit transaction that I entered with them on XX/XX/2017. I informed them that they were in violation of the Truth in Lending Act which is in place to inform consumers the cost of credit. They violated law 15 USC 1605 any consumer credit transaction that includes a finance charge ( the sum of all charges ) must include insurance. They used my credit card ( 15 USC 1602 ) for my open end consumer credit plan which secured the {$32000.00} on my behalf I was responsible for the finance charge which was {$7700.00} for them extending my credit. The denied me of a right to rescission under the Truth in Lending act ( 16 USC 1635 ) which states ( in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day ). Unless this company doesn't have to abide by federal law I demand to be compensated for the illegal doings of this company. They even admitted to taking my property using a 3rd party to come to house which is infringement on my privacy. They are reporting this account to my consumer report and I am using ( 15 USC 1692c ) to cease communications directly and indirectly until I receive my specified remedy. This will be reported to the attorney general and I am seeking legal advice to take this matter to the next level if we can't come into an agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are non recognized and nonauthorized hard inquiries on my credit report please have them deleted
Product: Credit reporting or other personal consumer reports

The late payments never happen. Delete account under FCRA 168 Under Section 168 FCRA this Late Payments Dated XX/XX/year>, XX/XX/year>, XX/XX/year> does not match my records nor the original creditors records to what reflects on my credit report therefore this item MUST be deleted under this law.
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 XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I Have already disputed these items on XX/XX/2022, XX/XX/2022, And XX/XX/2022 but the bureaus did not remove them. 

Under Sec. 602 I Have A Right To Privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The Condo I own has their own insurance and Shellpoint was sent those documents ... ..they claim they didn't receive it so charged me for escrow which I refused to pay. Once the mess was corrected they gave me credit for the escrow charge except they charged me {$940.00} for late charges even though I NEVER missed a payment and was NEVER late. I want to pay off the mortgage ( the correct amount ) and have my credit score restored. Neither has been answered by Shellpoint. How long must this go on before I have to file a lawsuit? And the compliance manager, XXXX XXXX, did not help the situation
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a letter from my Health Insurance Company XXXX XXXX '' who provides services for my health insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX but they could have had access up to 30 days prior. Below are accounts listed XXXX XXXX XXXX XXXX. I am not liable for this debt with consumer energy. I dont Not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as i requested several times.
Product: Vehicle loan or lease

Wells Fargo repossessed a vehicle without notice and refuse to let us pay the amount overdue in full in order to re-obtain the vehicle right after repossession that being said, during the repossession, there were many items stolen from the vehicle that we never got back, and Wells Fargo never offered any kind of compensation, nor did they allow it to even fade them back to no pity or remorse from the company at all, was XXXX over the phone that day from them at least. These items were all stolen from the vehicle. 
A XXXX XXXX, a XXXXXXXX XXXX a brand new XXXX XXXX XXXX XXXXXXXX, a pair of XXXX XXXX XXXX XXXX XXXX XXXX, a purse with my identification, my debit cards, credit cards, all of my important information, Social Security number ID and everything stolen from the vehicle. Not even the purse remained multiple tools a large iPod and a XXXX mini XXXX cellular and wifi with XXXX storage. 

All I'm saying is look, there's no way I could even figure out who was the one that was picked up the vehicle. The tow truck driving company wouldn't even allow us to give us the name of the all of the people that picked up the vehicle at XXXX, they just allow us to take the stuff that was left in the vehicle after it had been ransacked Wells Fargo did authorize them to take the vehicle. Wells Fargo is the XXXX who hired them and Wells Fargo is the XXXX who should be liable for anything that their subsidiary company or third-party XXXX did. The same day it was repossessed and we were able to go down and pick up our possessions. The second that we noticed all the things were missing. We immediately called Wells Fargo and told them about it. They should have records of that and all the stolen stuff from the vehicle, and, we have ever heard anything back about our items nor any kind of compensation for those items stolen.
Product: Debt collection

Good morning, My name is XXXX XXXX. I am writing to complain about Springs Oaks Capital LLC.

They are reporting a debt that I do not owe to the credit bureaus. 
They have not validated the debt and therefore, are breaking FCRA laws. Please reprimand them as soon as possible. 
They are hurting my chances of obtaining a car and/or house. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my free annual credit score from Experian for the past two weeks, but I have been unsuccessful. I have tried to request the credit report online, by mail, and by phone, but none of these methods have been successful. Experian can not tell me why I can not access my credit score, nor can they fix it. Also, the customer service seems to have a habit of making promises they have no intention to keep. For example, after several hours on the phone, a service agent " escalated '' my case because she could not fix the problem. When I called the next day, still unable to get my credit score, the new agent told my that my case was marked as " resolved '' and closed. But nothing was fixed. Now I am on the phone with them again and they still do not know why they can not access my account. I haven't had any such problems with the other two credit reporting agencies. Experian is a highly dysfunctional organization that has no right holding so much power over regular citizens.
Product: Credit reporting, credit repair services, 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 u.s.c. 1681 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 15 u.s.c. 1681 section 602 A. states i have the right to privacy. 


15 u.s.c. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without 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 otheradverse 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 informationrelating 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX  XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX  XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Credit limit : {$300.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Car was paid in full and released from XXXX XXXX but my credit is negatively reflecting an unpaid balance that has been satisfied which is a direct violation of my rights under the FCRA. I have repeatedly disputed this with the credit reporting agencies, who only conclude that the investigation came back accurate and verified, but they never send evidence to support the claim. This has negatively affected my ability to obtain a new auto loan, and is causing great financial distress. There is a current lawsuit against XXXX XXXX, and I demand this false and negative entry be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting by Experian Dear CFPB, I am writing to formally report an issue I have encountered with Experian since XXXX regarding the inaccurate reporting of inquiries on my credit report. Recently, I noticed a XXXX reduction in my credit score after my complain last week with their credit bureau , which I believe is due to Experian 's failure to accurately report inquiries in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ). 

Despite my efforts to address this issue directly with Experian, they have not rectified the inaccuracies or provided a satisfactory explanation. This negligence not only affects my creditworthiness but also undermines the protections afforded to consumers under the law. I kindly request your assistance in investigating this matter and ensuring that Experian adheres to the legal requirements for accurate reporting. 

Thank you for your attention to this important issue. 

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

I submitted a dispute to clear up a wrongful Past due payment from XXXX, they ended up adding another past due for XXXX. I already confirmed with my credit card company that I was never late. This issue has dropped my score more than 100pts.
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no wet signature printed by the following companies that I agreed to with the following companies that are posted on my credit report with XXXX non of the companies listed has a written signature to agree to such actions even some of those companies are listed 2 and 3 times and the credit bureau still refused to even remove duplicate copies is the same hard inquiry and I have tried multiple times on multiple occasions by sending letters via post office to there post box listed on the Gov site to have the three major credit beaus remove every last Hard Inquires XXXX - XXXX Experian. and creditor who can not produce a wet signature it is considered fraud. Can you please have all three beaus remove all items in including closed credit card accounts from my credit report immediately please. XXXX has provided me a case number. XXXX
Product: Mortgage

In XXXX 2 mortgage brokers called me all day. I was told they would receive a commission just to send me a quote. To stop the harassment Chase emailed me a QUOTE in XXXX. I never closed, I never signed a note. This QUOTE never closed.. I did not need to borrow money. I only agreed to a QUOTE to help XXXX out by getting a small commission for only quoting people. The broker from chpse XXXX XXXX XXXX, without closing with out wanted her larger commission and " sent in for commission in XXXX : XXXX .sent for her commission early in XXXX without my consent, but I cancelled the QUOTE, she was upset and XXXX XXXX works for CHASE. ( XXXX. this is the woman from chase that was mad she had to " give my commission back ) '' told me she had to return her commission because I cancelled. It turns out that when XXXX turned in paperwork from the XXXX quote, by collecting her commission she generated a $ XXXX XXXX dollar invoice in my name, generated invoices on my for a mortgage that never CLOSED in XXXX XXXX. 
XXXX XXXX in XXXX XXXX FL ( I had restrained ) and a lawyer in NY, Mr. XXXX XXXX, keeps suing me for 7 years for a debt that is not mine. I just found the CHASE invoice from XXXX. 

4. CHASE must confirm what I stated and stop Mr XXXX and XXXX XXXX from stealing my unencumbered property of 45 years. I can provide contact info as requested. 
I also want my {$600000.00} back in actual damages I spent defending these wrongful actions. 
From one lawyer suing me and for 7 years of being sued ongoing. The lawyers fabricated 12 forged notes, efiled 12 forged notes from XXXX. These NY lawyers have collected enough data on me personally to fabricate and entire, fabricated forged mortgage and registered a fake loan in XXXX, ( 14 years after the Quote from CHASE in XXXX ) with MERS mortgage and recorded 3 mortgages and 10 liens, backdated to XXXX on my deed have stolen my deed and equity of 45 years for CHASE mortgage QUOTE in XXXX that never closed. Actual damages are $ XXXX NY Lawyers XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The more honest lawyer is XXXX from XXXX XXXX is a witness. 

XXXX from XXXX XXXX witness, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX1 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 XXXX 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 card

I received a letter from Synchrony Bank dated XX/XX/XXXX regarding Change in Terms for my JCPenneys credit card. They are instituting a {$1.00} fee for a paper stating. I shouldn't be forced to have to put my information in an on-line account. I pay by phone every month after receiving my paper statement, which triggers me to pay. I think this is an overreach by Synchrony bank to charge a fee for what should be in the cost of doing business.
Product: Debt collection

Subject : Formal Complaint Against Calvary Portfolio Services for Illegal Debt Collection, Harassment, and Attempted Fraud Debt Collector : Company Name : Calvary Portfolio Services Description of the Issue : I am filing a complaint against Calvary Portfolio Services for : 1. Attempting to collect on a debt that was already settled and paid in XXXX, with a balance cleared in XXXX. 
2. Harassing my former employer by repeatedly visiting my old workplace, despite being told I no longer work there.

3. Filing a lawsuit against me for alleged court fees related to the already-settled debt but deliberately sending all legal paperwork to my old address, despite knowing my correct address.

Details of the Violation : I settled my debt with Calvary Portfolio Services in XXXX, and the balance was cleared in XXXX. I have receipts proving payment. 
Despite this, they took the case to court and are attempting to charge me court fees without proper notification. 
Instead of serving court papers to my current address in XXXX, which they were aware of, they deliberately sent paperwork to an old address, resulting in a default judgment against me. 
They have also been harassing my former workplace, showing up multiple times per month, demanding to know where I work and disclosing details of my supposed debt. 
Their actions violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including : Attempting to collect a debt not owed ( 15 U.S.C. 1692e ( 2 ) ) Misrepresentation of the amount or legal status of a debt.

Harassment ( 15 U.S.C. 1692d ) Repeated, unwanted contact with my former employer.

Unauthorized third-party disclosure ( 15 U.S.C. 1692c ( b ) ) Discussing my debt with individuals who are not authorized.

Failure to provide proper legal notice Sending court documents to an incorrect address despite knowing my correct one.
Product: Debt collection

The original debt owed has been charged off or paid over 3 years ago and the collection agency was served with Cease-and-Desist order so that company gives it to the collection agency they work with and when the new company is severed with a Cease-and-Desist then the accounts owned by the second is given to the first company this is a fraud. the company names are XXXX XXXX XXXX {$1000.00} and {$1500.00} did not disclose the company that assigned the account. LVNV Funding LLC {$2100.00} did not show me the assignment contract the amount of debt is wrong ang XXXX XXXX XXXX Ever time thr account has to fall off the assign it to a XXXX company owned by them and reopens it again