23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in reference to an alleged debt from XXXX XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX and FBCS , Inc XXXX XXXX XXXX XXXX XXXX to 15 USC 1692a , Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. 

Your company and its agents harassed me for an alleged debt that was not even validated. Your company shared statements as well as a XXXX XXXX as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX. XXXX XXXX a copy of the XXXX XXXX is not sufficient evidence of debt. 

While going through my Consumer Report, I came to know about these inaccuracies as well as fraudulent information that was reported in it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Due to your continuous acts of deceit, coercion, and intimidation, I have recently lost my job on XXXX. I was also discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship.

I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : Deletion from all consumer reports Clear away any alleged balance owed Pay as per the attached invoice ; {$8000.00}. 

You shall be granted twenty ( 20 ) days to respond.

Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter. Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within twenty ( 20 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws.

Thank you for your attention to this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed about the information that has been reported to credit profile. They have failed to maintain the reasonable procedures in company operations to assure. The maximum accuracy in the credit reports. Because of identity fraud.
Product: Mortgage

My husband and I were in a repayment plan because we fell behind on our mortgage due to a temporary loss in income in early XXXX due to the fact that I had my XXXX replaced due to XXXX XXXX. I am XXXX XXXX and my husband has regular wages however I make more money than he does. Anyway the repayment plan almost doubled our mortgage. We received a 90 day notice from XXXX mortgage attorney in XX/XX/XXXX which is why we were put in a repayment plan which stopped the pre-foreclosure process. I had a car accident on XX/XX/XXXX which left me with XXXX in my XXXX   and XXXX, and unable to XXXX  without a XXXX XXXX. We struggled to make the payments up until XXXX of XXXX and many of our bills fell behind due to the loss in my income, and at the same time they switched our mortgage services from XXXX to PHH mortgage based in NJ. We contacted PHH and told them our predicament and they advised us to apply for mortgage assistance ... ..they said we didnt qualify for a loan modification because we had 3 in the life of the loan. They then told us to apply for other programs and we did and they lost our paper work. We then sent in new paperwork via certified mail with a signature and they denied us again because we more than 90 days past due in which they already knew. Every time I call the customer service reps seem to not be knowledgeable about whats going on. They seem to be trying to stall the process so they can foreclose. Anyway, as of XX/XX/XXXX I went back to work and stopped XXXX XXXX  against my doctors suggestion because I needed to get back on track financially. After they denied us the third time, I asked for a new payment plan an they said no because we were in active foreclosure. I called their attorney for the court filing information however they said nothing was filed. A local agency looked over our income and situation and told us to take the summons to the court however as of XX/XX/XXXX per their lawyer there is no such document only the 90 day letter drafted in XXXX of XXXX. I then called PHH mortgage again and told them what their attorney said, thus asking for a repayment plan and they said no, even though there is no active foreclosure at this time. I provided them with my medical and hospital records and nothing was looked at. Also my daughter is in the XXXX XXXX XXXX and this is her residence as well but they did not seem to care. This company constantly provides us with misinformation and their home retention team is awful. Apparently there are only 2 programs that can help and we dont qualify for anything. We want to stay in our home and we are willing to catch up the arrears if giving the opportunity to do so. I was a XXXX  employee for 14 years prior to becoming XXXX XXXX and my husband works for the XXXX. XXXX therefore we have the income to recover. The recent mortgage servicer change has proven to be a nightmare. Thank you.
Product: Credit reporting or other personal consumer reports

An account/credit card was opened under my name with the company name of XXXX. The balance is {$130.00}. The date that it shows it was opened on my credit report XX/XX/XXXX. I started receiving statements in the mail for this credit card that I did not open. I previously used this company when I financed my security camera equipment for my home. I paid off what was owed for the equipment, further more that monthly installment was paid in full and closed out. ( That account was NOT a credit card ). Later on down the line I found out that a credit card was sent to my old address from the same company called XXXX and an account was opened in which I did not do. This company decided to draft money out of my checking account without permission with a total of {$27.00} on XX/XX/XXXX. I have asked that this account be removed from my credit reports because it was fraudulently opened.
Product: Vehicle loan or lease

On XX/XX/year>, I satisfied my debt on a XXXX XXXX  whose lien is being held by Lendmark Financial. I made this payment through a XXXX XXXX XXXX XXXX who handles payment for debts in collections with Lendmark financial. That payment information was then passed on to XXXX XXXX who has an agreement to handle title services after collection of payment. I was told at the time of payment that I would receive my title in the mail in XXXX days. At 60 days after not receiving the title, and noticing the lien still present through the XXXX, I contacted Lendmark requesting the lien be released. They told me I had to contact XXXX XXXX ( the XXXX XXXX XXXX XXXX ) to have them inform Lendmark that the debt had been satisfied so that the lien could be released. I placed MANY phone calls to XXXX XXXX without being able to even reach them, and when I finally did reach them, they told me Lendmark had to contact them and they do not make outbound calls. I have been bounced back and forth between both Lendmark and XXXX XXXX and as of today XX/XX/year>, I still do not have my title and the lien still remains. I can not get ahold of XXXX XXXX, and Lendmark has told me over the phone and email that they have satisfied their obligation in the matter and can no longer help me. This needs to be resolved ASAP. The motorcycle, MY motorcycle, has sat the entire riding season due the inability to register it because of the lien even though it has been paid off for almost 5 months.
Product: Vehicle loan or lease

The payoff amount and interest on the car is too high. i can not refinance with anyone else because of this. the apr is 23.99 with me and my cosigner. the monthly payments and the overall value of the car is over XXXX and the car is over XXXX XXXX XXXX. everytime I call they say there is nothing they can do. i am currently on payment arrangements with them and they still charge me the monthly amount so how am I supposed to pay it down? 
i hate this company. they are overcharging me for a vehicle I can even get rid of.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report is showing a bankruptcy that, according to my information, has already been discharged. Additionally, the filing and closure dates differ between the different credit bureaus, which has caused me great concern and difficulties in my financial dealings. 

Specifically, the erroneous information is found in the XXXX report and does not match what is reported in TransUnion and XXXX. I request that this situation be investigated and that this bankruptcy report be removed from my credit report as soon as possible. 

Federal ( Reference Number:XXXX ) U.S. Bankruptcy Court ( Reference Number:XXXX US BKPT CT TX XXXX XXXX ( Reference Number:XXXX  ) This situation clearly violates 15 USC 1681 Section 604 ( a ) Section 2, so its removal must be a priority.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity.

I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.

Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Debt collection

I have an inaccurate account on my credit reports from a Fair Collections & Out Inc I called them and they keep giving me a number to call another collection agencies about the account but they stated the account is n't with their office
Product: Vehicle loan or lease

I went to XXXX XXXX  and was financed a loan through credit acceptance. the interest rate was 25 % and credit acceptance was just sued for their business practices. I was sold a lemon for an insane mark up on interest and such a high interest was not disclosed. They also change what I applied for on the final forms and it ended up being twice as much than I applied for. I wasn't informed of the 25 % interest rate until after I assigned for what I assumed was a different deal, the one I applied for. They also have a practice of not allowing you to control your own information in their hands, you have to ability to tell them not to sell your data.
Product: Debt collection

Portfolio Recovery Associates has reported a paid collection to XXXX credit reporting agencies and it is unlawful per Massachusetts General Laws. 

XXXX XXXX : DIVISION OF BANKS AND LOAN AGENCIES XXXX XXXX XXXX : Conduct of the Business of Debt Collectors and Loan Servicers Massachusetts XXXX XXXX XXXX ( XXXX ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of XXXX XXXX XXXX : ( XXXX ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a consumer in the debt collector 's name. However, a debt collector may, with the express written authorization of the creditor, report to a consumer reporting agency in the creditor 's name.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against MIDLAND CRED for Violations of Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against MIDLAND CRED

fo r engaging in practices that violate my rights under federal law, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Violations Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information about the debt. Despite my request for such information on
3/5/2024, MIDLAND CREDhas not provided any validation of the alleged debt. Premature Reporting to Credit Bureaus : Without providing the required validation information,
MIDLAND CRED

has placed a collection account on my consumer report. This action violates my rights as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which states that consumers must be given a chance to dispute the account before it is reported. Use of False, Misleading, and Deceptive Means :
MIDLAND CRED has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt, contrary to the provisions of the FDCPA.

Unauthorized Reporting to Consumer Reporting Agencies : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all necessary disclosures before furnishing any account information to consumer reporting agencies. MIDLAND CRED

has furnished account information without complying with these legal requirements, constituting a clear violation of these statutes. Requested Resolution I request that the CFPB take the following actions to address this issue : I am Requesting
Debt Validation from MIDLAND CRED I am Requesting Purchase Agreement between MIDLAND CRED and the original creditor I am Requesting that MIDLAND CRED furnish proof that they are Licensed and Bonded Investigate the practices of MIDLAND CRED and enforce appropriate penalties for any violations of federal laws.

Require MIDLAND CRED to cease all collection activities on the disputed debt until they provide proper validation as required by law.

Ensure that MIDLAND CRED removes any and all information related to this alleged debt from my consumer report until the proper validation and disclosures are provided.

Prevent MIDLAND CRED from engaging in further communication with me through email/text/call.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint.

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

I paid Professional Finance Company in full on XX/XX/2018. The amount was {$280.00}. They are still reporting this as an active open account. They are still reporting this as a debt. I have contacted them twice about this. They said they would fix this. They have not. 
Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Product: Mortgage

We entered a payment plan with Greentree mortgage with the understanding after we completed the plan, which we did accordingly that our XX/XX/XXXX payment would be deferred. We learned this was not the case after our plan was completed and receiving a call from them requesting the payment. We were informed that XXXX XXXX XXXX, the investor decided as of XXXX XXXX, 2015 they were not honoring deferments agreements made prior to XX/XX/XXXX or after. What is our recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance of {$7500.00} and past due amount of {$600.00} is not correct because I disputed the charge with XXXX XXXX  and they neglected to conduct the dispute investigation in a thorough manner and did not look all the documentation we provided. I never signed on the receipt of services for which the credit card was charged. 
The credit reporting agency, did not investigate my dispute and did not change my credit report and score.
Product: Student loan

Navient, who serviced  XXXX  of my student loans, just sprung on a final notice to pay on a delinquent account because it 's 210 days overdue on the amount of  XXXX  in interested. I have  XXXX  documents from  XXXX  loans them saying that I paid them off in full last year on  XX/XX/XXXX ,  XX/XX/XXXX , and on  XX/XX/XXXX . The {$35.00} is for  XXXX  student loans that have a {$0.00} principle and have a completely paid off memo from them.  XXXX  loan requires a payment of {$15.00} and the other {$19.00}. The date for the 8th delinquency notice is dated  XX/XX/XXXX , final notice is dated  XX/XX/XXXX , for the default is one day later (  XX/XX/XXXX  ) which is today. There are no other delinquency notices. The statements from Navient say that my loan is paid off and that, " we were glad to have you as a customer and wish you the best in the future, '' indicating to me that there was nothing more outstanding.
Product: Vehicle loan or lease

Capital One Auto Finance Account closed on XX/XX/XXXX Reported balance {$11.00}, XXXX I had a XXXX XXXXXXXX XXXX with a payment of {$520.00} per month. I began having financial hardships and was not able to make full on time payments. I did offer to make most of the payment but I was told I needed a full payment. I used a cosigner for this loan. We both have the same name. I just want to be clear on who I am.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : On-Time Payment : I made my payment on time, as evidenced by the attached bank statements showing the payment was processed well before the due date. 
Clerical Error : I believe there was a reporting error, as I have never missed a payment for this account. A review of my payment history will confirm this. 
Payment Confirmation Provided : I have attached additional documentation showing that the payment was made in full and on time, as confirmed by the creditors own records. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

Account name : XXXX Account number : XXXX I just recently looked at my credit report and noticed that some accounts have a late payment. 
Reinvestigate this concern and update payment on XX/XX/24 and XX/XX/24 to pay on time. Delete 30 day late from my credit report immediately due to violation of 15 USC 1681s-2 ( f )