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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Mortgage

The servicer will not allow me to short sale my home because the recent winning bid cancelled do to poor due diligence and realized they had offered too high. This is no fault of my own. This was the first auction that had the more realistic minimum bid at {$610000.00} and sold for {$750000.00} but the buyer saw the condition of the home ( after winning the bid ) and immediately cancelled due to the condition of the home. The previous auctions were for {$860000.00} as opening bids and received no bids. 

The servicer asked me to submit any offers and I did send the accepted offer ( there were many offers between $ XXXX- {$64000.00} at previous times. The accepted offer was at {$610000.00} and that buyer can still buy it but the servicer wo n't allow the sale unless by auction. 

I just want to sell it to avoid foreclosure and we have an accepted offer outside of the bidders from the recent auctions but none will pay higher than {$640000.00} due to the condition of the home. 

Normally sellers can accept and offer and present it to the banks for a short sale approval but to date there have been many mistakes by buyers and the bank ( none from the seller ) that have prevented the short sale to close. 

If the auction is done again or use the existing offer then a short sale can be accomplished and foreclosure can be prevented. 

I only want to do what is best for everyone but it has to be done correctly. Please contact my servicer and have them allow the short sale. 

Thank you auctions had been done in the recent past to obtain potential offers but the asking prices have been way beyond what the property is worth so there have been no offers at what the servicer has asked as the opening bids. The most recent auction started with realistic minimum bid
Product: Credit reporting or other personal consumer reports

TDBANK/NORDSTROM ISSUED ME A 1099-C IN THE AMOUNT OF {$2700.00} ON XX/XX/year>, THEREBY EFFECTIVELY CONVERTING MY DEBT TO INCOME. THEY HAVE CONTINUED TO REPORT THIS ACCOUNT AS PAST-DUE TO XXXX, XXXX AND XXXX IN VIOLATION OF FCRA/FDCPA, THEREBY DEPRIVING ME OF ACCESS TO HOUSING, EMPLOYMENT AND MEDICAL CARE. 

XXXX HAS CONTINUED TO REPORT THIS ACCOUNT AS PAST-DUE IN VIOLATION OF FCRA/FDCPA, EVEN THOUGH I HAVE DISPUTED IT SEVERAL TIMES AND ASKED FOR A COMPLETE AND THOROUGH INVESTIGATION AND VALIDATION - MOST RECENTLY VIA CFPB COMPLAINT ID # XXXX, THEREBY DEPRIVING ME OF ACCESS TO HOUSING, EMPLOYMENT AND MEDICAL CARE.
Product: Credit card

I was in my dentist office and I had a procedure. They say that they have a payment plan. They asked me some information and asked me if I could make the payment. I told them yes and they opened a XXXX XXXX XXXX credit card with Comenity. I set up auto pay and have paid on time and then on XX/XX/XXXX was notified by my credit report that {$800.00} interest rate charge was added to my credit card. 
When I called XXXX XXXX  credit card they stated that it was the dentist office fault for not telling me about the promotional. And that they stated it on the statement, but it never stated that they would charge me a deferred interest for the full balance. There is only {$800.00} left on my balance and then they charge me {$800.00} interest. 
I called and tried to dispute it with them, but they said there was nothing they can do so I was left to just close my account. The promotional rates were never explained, but even more insane to differ interest without explaining. I feel like this promotional plan is a scam and they are constantly getting bad reports and reviews due to this.
Product: Mortgage

I filed XXXX bankruptcy in XX/XX/XXXX due to XXXX XXXX in my mortgage payments. I completed a XXXX XXXX  that was eventually denied by XXXX. To date my XXXX XXXX  are current ( {$500.00} ) bi-weekly. Now XXXX has filed a default indicating I am in default. I have less than a year and my bankruptcy plan will be XXXX in XX/XX/XXXX. XXXX now has filed a default in court that have not made all my payments as required. The last XXXX  months ( XXXX, XXXX & XXXX ) I received mortgage statements other than that I have received none since the filing of XXXX. The mortgage balance has been the same ( XXXX ). The statements show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet quickly I am in XXXX and XXXX XXXXXXXX. This company has XXXX me to attempt to XXXX  at a time when I should not have to. Their records are totally wrong and there needs to be an investigation. I have XXXX  my home for XXXX years. The XXXX XXXX of the mortgage XXXX was {$37000.00} yet XXXX is {$25000.00}. There are no records of payments received. I am filing this complaint as I am totally disgusted with this company and the handling of my mortgage account XXXX. Please help me to locate all the payments made to this account and keep my home. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, TransUnion, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXXXXXX account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, ) I am Attaching identity and proof of address.
Product: Debt collection

On XX/XX/2018 and XX/XX/2018, a representative of XXXX XXXX XXXX , XXXX contacted several of my neighbors and informed them of a debt I am working to repay.
Product: Debt collection

I have sent the original creditor ( XXXX XXXX, XXXX. ), a notorized FTC identity theft report and affidavit and I have requested validation of contract from XXXX XXXX, XXXX, since 2016 this company has continued to harass me with letters. Account Summary Report prepared by RESURGENT CAPITAL SERVICE, this is a dummy corporation for the same collection agency. I have seen or received no contract with my signature making me liable legally for this fraudulent debt.
Product: Credit reporting or other personal consumer reports

Improper and inaccurate information on my Credit Report, from Equal Fax that in includes. False information from XXXX XXXX, that was Prepaid in full by where of ALL ACCOUNTS are Prepaid see. Title 31 section 3132 Payment of the public interest on the public debt. see title 31 section 3130. Title 18 section 8 Obligation or other security of the Unites States, more importantly see Title 31 section 3124 of the United States Exemption from Taxation. MCM is harassing causing Irreparable harm and trying to extort me of an amount of XXXX where it is paid to the Bearer in full whereas by Law they must Accept for Value and return the debt instruments legal tender of the United States which in the UCC 3-306 / UCC 1-304 / UCC 3- 306 without prejudice and recourse 1-308. This is EVIDENCE OF DISHONOR. again, MCM ( violation of 15 U.S.C 1692b ( 2 ) ) a state i do not live in and is Tring to collect a DEBT of XXXX that's prepaid in full XXXX # XXXX, that was ( XXXX ). Also First premier Bank balance was paid in full XXXX # XXXX XXXX XXXX XXXX, These accounts was paid off ( XXXX ) to the XXXX either by, insurance or. using my social security card trust fund account without my permission filing a 1099a allegedly. Wherefore XXXX XXXX  use this fraud information to lower my XXXX XXXX wantonly, and deliberately. Some of or all of these company 's reporting to XXXXXXXX XXXX  does not have pursuant FAFA of XXXX as amended. Violation of UCC 3-305 ( c ) and 3-601. for I'm left without action or recourse _NO REMEDY AVAILABLE. " Liability DISCHARGED, without prejudice Pursuant to UCC 1-207, 3-305 and 3-601. Receipt of government " benefit is under PROTEST, pursuant to UCC 1-207, 1-308 and 3-305 ( c ). Wherefore I am already a victim of Equal Fax security breach from 2017. 15 U.S.C 1681 section 604 ( 2 ) States i have a right to privacy. this is willfully FCRA violations in which i Fraudulent willful intent by two or more Officials, whereas in title 18 U.S.C 2831 is Treason. U.S.C section 1692 ( F ) unfair practices ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) - ( A ) ( B ) ( C ) - ( 7 ) ( 8 ) as amended Oct 10 2023. 15 U.S.C 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) ( i ) ( ii ) FCRA 623 and FDCPA violations 15 USC 1692c ( c ) and to many violations to mention unbeknown to me at the time of complaint.
Product: Debt collection

Hello. On XX/XX/XXXX I returned a leased car over to XXXX Toyota XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease. 
On XX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to Toyota because I returned my car before the end of the lease. I went immediately to the Toyota dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that Toyota made, they processed improperly the trade in paperwork and that 's why Toyota was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Regional Acceptance Corp for multiple violations of consumer rights as set forth by Congress, specifically pertaining to my account number XXXX 

Firstly, Regional Acceptance Corp has failed to fulfill its obligations under 15 U.S.C. 6802 regarding disclosures of personal information. Despite the legal requirement, they have not provided me with the three disclosure forms as mandated by law. This omission constitutes a clear violation of my rights to privacy and information security.

Additionally, I would like to highlight the violations of 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) and 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). Regional Acceptance Corp has reported information to consumer reporting agencies, such as XXXX, XXXX, and XXXX, regarding transactions and experiences between myself and the company without ensuring the accuracy of the information. This inaccurate reporting negatively impacts my credit standing and violates my rights under federal law. 

Furthermore, Regional Acceptance Corps failure to provide me with a 1099-C for the cancelled debt of {$17000.00} is concerning. Regional Acceptance Corp can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The Internal Revenue Service ( IRS ) mandates that debts greater than {$600.00} should be reported using a 1099-C form. Regional Acceptance Corps failure to comply with this requirement not only violates IRS regulations but also denies me the opportunity to address the cancelled debt properly for tax purposes.

Moreover, pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), Regional Acceptance Corp is obligated to provide accurate information to consumer reporting agencies. Upon notifying them of specific inaccuracies in the information they reported, they have failed to rectify the situation, thereby continuing to furnish inaccurate information to consumer reporting agencies.

In light of these egregious violations, I demand that Regional Acceptance Corp immediately remove the aforementioned account from my consumer report. Their actions have not only infringed upon my rights as a consumer but have also caused undue financial and emotional distress. 



I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to hold Regional Acceptance Corp accountable for their actions. Thank you for your attention to this urgent matter.
Product: Mortgage

Our Mtg was transferred or sold to SNSC Borrower Services. We were not contacted, so we sent our payment to the previous company, not knowing it should go elsewhere. 
That was the first problem. We have always had homeowners ' insurance in place, and it showed on the dec page they received with their paperwork but they still charged us an additional XXXX each month as we did not have it. Our insurance also sent request by fax to add them more then once. Company never responded. Thy also sent request for insurance payment at renewal that was never responded to so our coverage cancelled. As of today I an unable to even view our account or see our statements because they locked us out of the website. I feel I need to get an attorney, they are trying to to take our home. Why would they not respond to our homeowners insurance company, charge us for mtg and take it our to pay for us but not pay it? Please let me know if you need to talk to our homeowners representative.
Product: Vehicle loan or lease

I currently am paying a loan on a XXXX XXXX XXXX XXXX initially financed through XXXX XXXX, started in like XXXX. I refinanced the vehicle with Navy Federal Credit Union in XXXX. On my consumer credit report I am being rejected for financing for my business and personal self due to inaccurate information reported. While I have disputed it multiple times it has been to no avail. The timeframe being reported by XXXX XXXX as late payments are inaccurate as they received a check in hand in person at a XXXXXXXX XXXX location as instructed paying the vehicle in full and were to release the title and or lien to Navy Federal Credit Union. While I initially got a low rate for my vehicle with NFCU for monthly payments that rate quickly skyrocketed because NFCU did not have the tile ot lien to vehicle which XXXX XXXX keeps alleging they sent directly to XXXX XXXX. Ive tried numerous times with failed attempts to resolve this and have continued to faithfully pay off my loan however why am I paying on a vehicle in which both companies are saying they do not hold title nor lien for? My finance charges increased because of it. I'd like this matter fixed and some type of resolution for this issue. My consumer credit report has taken hard hits due to the negative reporting and it even caused me to lose out on thousands because initially NFCU approved me with a pre approval check for a work vehicle that they quickly rescinded while I was in the dealership signing contracts for it. My consumer rights I am sure are being violated in more ways than one by one or both of these banking institutions and I have decided to take this matter up a level in hopes to resolve it. I hope to hear back soon. My vehicle was over XXXX when loan started with XXXX it was at about XXXX plus when refinanced with NFCU it is now paid down to about XXXX and yet no title or lien it also caused me to have to pay way more money when going to dealership to get vehicle sticker as both companies deny having title to vehicle. While NFCU is receiving payments as lien holder I have no documentation in support and am being charged more over a missing title which was to be exchanged between the two banks. I have neither missed any payments nor been late on any payments and to have such negative activity reported has caused my family and I great loss as a consumer. Of course the check proof would be perfect evidence of the time chase recieved it from me as payment from NFCU and an actual title on hand would be all the evidence all parties need for resolve but none can be provided. I also reached out to chase several more times on recorded line where they had other issues on my credit with errors that they had since corrected and then this one pops up years later and they refuse to properly investigate it or provide supporting proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have both successfully and unsuccessfully file disputes online via Equifax 's online dispute center. When successful, once I am notified of the results being available, I am unable to access them due to my info not matching what was on file. 
On one occasion when I called, the service rep told me the online system was down. Today when I used their web chat, I was told the same thing. For the past 3 days, including today when I have called, I was told by the rep that the 'system was updating and to try again later. ' The recording on the customer service line even has the nerve to send you to the site to submit and check the status of the report. 
My concerns are that they are offering services that are inefficient and ineffective if the customer is unable to use them and Equifax is unable to provide timely solutions when they are aware of issues with their system. Additionally, why are updates taking place during normal business hours impeding customers ability to get answers and access to their credit report. That is insane! They a once of the primary credit reporting companies that are used to impact millions of customers financial knowledge and well being daily. That should be unacceptable!
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$190.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX
Product: Checking or savings account

So on XX/XX/XXXX I was charged an additional XXXX dollar for an overdraft fee. 
There was an overdraft fee on XX/XX/XXXX were the bank is saying since they charged me the XXXX dollars for overdraft fee they covered the balance. So they decided to charge me an additional fee on the XXXX of XXXX were my balance was XXXX dollars. They went an explained that since they covered the balance for their own overdraft fee. So they are saying of you maintain a negative balance they will continue to charge you XXXX dollars of overdraft fees until you put extra funds in the bank. Seems unethical for them to do it and keep approving this charges if later they will come back to charge additional fees. This is a new tactic from the new bank that took over bancorpsouth. Now owned by cadence bank. The issue is being faced by many people with this bank but they will not refund. Spoke to XXXX who was thinking the same as me that it should get refunded but supervisor XXXX denied it to him.
Product: Credit card or prepaid card

On XX/XX/2023 a payment of {$50.00} and a payment of {$420.00} was made to Goldman Sachs for my Apple card. Then on the XXXX of XXXX a check was issued from my mortgage company for a debt consolidation loan of {$2500.00}. However, they were overpaid by {$340.00}. I have reached out to Goldman Sachs on several occasions to get a refund for the overpayment, and every time I call, I get some excuse, like the account is under review. I called again on XX/XX/XXXX and was told that the account is under review and it could take up to another 10 days for someone to contact me. This account has never been late and I can not seem to get the assistance that I need.
Product: Debt collection

Within the past year, I moved out of an apartment complex that tried to charge me fradulent fees, in the amount of {$290.00}, for painting the apartment. The complex is the XXXX XXXX XXXX, in XXXX, OR. They claimed that the painting was due to black smoot on the walls due to smoke. I contacted the complex to inform them that I never caused any smoke in the apartment, and that I was not responsible for the painiting fee. They tried to extort money from me by threatening me to pay, or they would send me to collections. I refused to pay, since the damages they are claiming, were not caused by me. They did report me me to National Credit Systems who are now trying to collect the fradulent charge, and also are negatively affecting my credit. I charged XXXX, XXXX, and the collections agency with providing proof that I caused smoke in the apartment, whether it be from video or pictures of me producing smoke in the apartment, or a 911 call saying that the authorities were contacted on a specific date, due to me causing a fire or smoke in the apartment. No proof has been provided, and the credit agencies won't fight on my behalf for them to provide proof that I caused any smoke damage to the apartment. I can also provide proof that there were wildfires in the area, during the time that I lived there and if there is even the remote possibility that there was smoot on the walls, it was probably due to the wildfires, which is not my fault nor should I be liable for it. I have no other simple way to say this, other than to say that the apartment complex is trying to extort money from me, with no proof that I caused the damages that they claim.
Product: Debt collection

XXXX XXXX has wrongfully placed this debt, they have absolutely no proof that I owe this bill. They have failed to provide me with billing address, and billing dates of the alleged place of service. I also ask for a copy of the contract that was signed to initiate these services and I have not been provided with one. Also, I want to know what where the services provided for this amount in question. I have not gotten any answers to these questions or documentation.