23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, Case # ( XXXX ) I am writing the letter to help me bring resolution to civil debt collection case ( XXXX ) I have been trying to resolve since XX/XX/XXXX. The original creditor is XXXX XXXX  ( XXXX XXXX XXXX ) and the debt was assigned to Cavalry SPV I , LLC. The original account was opened with XXXX XXXX  ( XXXX XXXX XXXX ) around XX/XX/XXXX for about XXXX. And on time payments was made up to coronavirus virus horribly struck our country in which I lost my job and forced on unemployment. Fast forward to XX/XX/XXXX I received a letter to collect a debt from Cavalry SPV I , LLC and I question this debt that is claimed to be owed. I received proper notice of the pretrial hearing by mail delivery service on XX/XX/XXXX. Since the beginning of this civil case, I have requested constantly validation of the debt, but I have never received the proper validation documentation. I attended the pretrial conference on XX/XX/XXXX which was referred to mediation because I provided the Judge documents that challenges the debt in question. During the mediation conference on XX/XX/XXXX I provided the acting attorney with all the documents that challenge the debt they say I owe. The documents that were provided were the Card Security Debt Cancellation Agreement Insurance Policy I actively had during that time. Which agrees to cancel any remaining debt in the event of a Job Loss, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or loss of Life. During that time, I called and notified the company of my Job loss due to covid and they submitted a claim on my behalf. I have not received any balance statements up until now. The mediation hearing resulted in no agreement. And I was told during the hearing that I would be notified with next steps from the attorney and the 2 mediators on the XXXX  call. I never received any kind of court notice or anything in the mail. Until I received two unmarked white envelopes in the mailbox stating I missed a court date on XX/XX/XXXX. I received the letters around XX/XX/XXXX, in which I went to the courthouse the next day and filed a motion for a rehearing. I believed I was taken advantage of due to the vulnerability of me not knowing how court proceedings actually work so I would not show up to my court hearing and have a final judgement and not have a chance to present my case to the Judge. I did received information from the clerk of courts on how to actively check on my case online at XXXX I do need help and some assistance with what I need to do to move forward in this situation. Please if there is anything I can do to help myself in this situation provide me with any resources or information that will help me in this matter. 
Thank you so much I really appreciate any assistance!!!! Case # ( XXXX ) / XXXX / XXXX XXXX
Product: Debt collection

I have contacted XXXX on this account and have completed forms that they requested me complete and was told they will have account closed and they do then a few months goes by and it appears again on all three-credit reporting agencies.
Product: Checking or savings account

I was notified that I had an inquiry on my XXXX Credit Report that an account was opened with TD Bank NA using my social security number on XX/XX/2022. I called TD Bank Fraud line and they told me that debit accounts were opened under my name and social, and they went ahead and closed both accounts today for me ( XX/XX/2022 ).
Product: Vehicle loan or lease

I would like for these hard inquiries to be removed because I did not authorize these companies to run my credit. Thats fraudulent
Product: Mortgage

In XXXX of XXXX I was approved for a loan modification with XXXX XXXX. I paid all 3 trial payments. On the XXXX payment I called XXXX and they told me my file had been transferred to SPS. I called SPS and they had no record of the mod and told me I had to START THE PROCESS ALL OVER!! The previous process took months almost a year so as you may understand I was devastated beyond belief!!! I knew I had been wronged but could not figure out who I needed to speak to in order to help me. I called profusely to SPS, XXXX, XXXX, I reached out to XXXX, etc. Nobody could help. Well, let me tell you last week I was BLESSED! I finally after 4 EXHAUSTING LONG YEARS spoke with XXXX. She helped beyond belief. She was a rep in the Loss Mitigation department and she blew the roof open!! She went back to XXXX to see what happened. She found out that XXXX did not send the paperwork over until XXXX or XXXX of XXXX. Therefore, when SPS finally received the mod docs they stated to me, " OH SORRY THE DOCS EXPIRED! '' I WAS LIVID!!! Because at this point SPS would not honor the mod. I was wronged and have been fighting ever since. I worked in a call center for XXXX to see what happens behind the scenes of a mod process. Much to my dismay I realize that docs are not package properly, you have new employee 's on the floor that just start the process then quit, you have hourly workers working on your file and customer service reps who read notes on a screen and do not assist because they have no actual file in hand. I have ran the NPV tool on many borrowers and understand the process. When someone ran the NPV tool on my file they stated I made XXXX per month when in actuality I sent a pay stub in for XXXX. Needless to say ... .I WAS  DECLINED! Also, I had a case where SPS is stating they are missing docs from my file and declined me because of it. I happen to know first-hand that all companies ( call centers ) say the same thing! They are unorganized and blame the general public for not sending in documentation when all the while it 's their internal process. MILLIONS of people have gone to foreclosure because of mishandled documentation by call centers. ( I refuse to call them BANKS ) as most people are ignorant to the fact that they are speaking to hourly workers who do n't even own homes. 

I have put my complaint into XXXX and into SPS for the improper handling of my file. There was a 42 page piece of XXXX report that was written by a woman at SPS with my last complaint to the CFPB. I had no ammunition last time and did not know what happened. However, this time XXXX at SPS ( in Utah ) helped me tremendously. She read the notes word for word on what happened and I found out the dirt and why I did not received my paperwork. SPS has tried to get out of honoring my loan mod by making up accusations, but XXXX blesses those who do right. I was wronged and I am here to tell the public that we need to stick together and do what is right for this Country!
Product: Debt collection

XXXX sent me to collections with Franklin Collection Services based on a {$25.00} debt I do not owe on an account I closed over a year ago.
Product: Debt collection

Select portafolio was charging me mortgage payment that dont belong to the bank they was working for treating to foreclose
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 Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by 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 : Payment was made within the 15-day grace period : The payment due in XX/XX/XXXX was made on time, which falls within the 15-day grace period offered by the creditor. The payment should not have been reported as 30 days late. 
Clerical error by XXXX : My payment was processed on time, but due to a clerical error by the creditor, it was incorrectly reported as late. This was a system error that falsely flagged the account as past due. 
Evidence Provided : I have attached bank statements and confirmation emails showing that the payment was made and processed on time, demonstrating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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: Mortgage

This is related to XXXX XXXX XXXX , XXXX and HSBC Beneficial. In XXXX my wife and i took out a HE Loan with Beneficial Mortgage ( HSBC ). On XX/XX/XXXX and XXXX XXXX, My wife and I signed documents related to a First Lien deed of trust for the home equity loan with Beneficial Finance. I cant explain why this was done twice or for what purpose, but the fact is both were filed in XXXX County, TX. I have paid my loan as agreed, then, around XXXX of XXXX, Beneficial sold my loan to XXXX, XXXX. There is a transfer of lien filed at the county that reflects this. The transfer references the loan #, but only references one of the instruments or liens that was filed. I paid my loan off in XXXX and received a release of lien from XXXX for the lien they assumed from HSBC, the FLDT dated XX/XX/XXXX. I went to apply for a home equity about a month ago and was told there was still a lien filed with the county ; the lien filed on XX/XX/XXXX by Beneficial. I am being told by XXXX XXXX , XXXX that they can not release the lien dated XX/XX/XXXX as it was never transferred to their name, and they are not the lien holder. I told XXXX  the lien they assumed was invalid, as there was already a FLDT filed at the county, and one could argue that any payments i made to them were done so without a proper lien. I explained that I felt it would be in their best interest to help resolve this matter. They stated they had done all they could do. I can not contact HSBC Beneficial other than by mail, which i have done as of today. In this day, with all the access to technology we have, it is unreasonable for them to not have a means by which a customer can contact them other than by mail. I would appreciate your help resolving of this matter.
Product: Credit card or prepaid card

I referred XXXX XXXX to the Chase Business ink Unlimited card. She used my referral link and was approved for a $ XXXX credit limit. Her zip code is XXXX in XXXX  XXXX, CA I was supposed to receive a {$200.00} bonus in the form of rewards points. I did not receive them and when I called Chase they said they can't see that the person used my link. She most definitely did. I want my points please.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 my written instructions
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6700.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit report as provided by your credit bureau. Specifically, I am concerned about the presence of collections accounts and unauthorized hard inquiries that are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ) Section 1681, I have the right to ensure the accuracy of my credit report, and I am seeking your assistance in rectifying these errors. 

XXXX XXXX XXXX XXXX XXXX XXXX ORINGAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORGINAL CREDITOR XXXX I have also noticed unauthorized hard inquiries on my credit report, which can negatively impact my credit score. I have not authorized any organization or individual to access my credit report for the following inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX and Account Number : 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 a account without my written instructions
Product: Vehicle loan or lease

ON XXXX XXXX I went to Honda XXXX and wanted to purchase a XXXX XXXX XXXX. I test drive a car and decided to buy, we agreed that the price was going to be U {$25000.00} including Destination and Handling fee of U {$1100.00}. I was aware of sales taxes and title fee. I was told that I could have this car leased with no interest for U {$48000.00} per month for 36 months and if I wanted plus U {$2000.00} per month I could have an extra insurance. I asked how much was the remaining balance when I return the car in orther to purchase it, they said they could not give the amount. Since it looked a good deal I accept it, because I understood that U {$48000.00} per month was going to leave me with a reasonable amount paid and had very little to finance in orther to buy the car. I was never shown how they were calculating this monthly payment, but my wife told them that we wanted to purchase the car, but they kept pushing, pushing the lease, saying that was no interest for 36 months and in the end we were going just to pay the tax on the remaining balance. I then to agree on the terms and got the car, My wife left and I finished signing the deal. I never read the amounts before signing because I trusted the Honda XXXX Dearship. I went back 3 times because the numbers did not seem right, and I wanted to know how much was the remaining balance after the 36 months, but they always convinced me that they were right. My wife had a car accident and lost her car, so on XX/XX/XXXX we went to look in the given paperwork to see if we could have another loan in a car for her. So my wife printed the paperwork from a storage stick that they gave me and for our surprise, they added 2 insurances, one of XXXX and another of U {$1400.00}, besides that they put the price of the car at U {$26000.00} and after reading the Leasing document that was sent, by mail, per our request, an amount of U {$1500.00} was also added as rent charges. Honda XXXX, cancelled 2 insurances, but denied the reimbursement of the extra price in the car and the extra rental insurance.My wife spoke to Honda Financial and they said that Honda XXXX is the one who can fix it and Honda XXXX says there is nothing they can do because they don't own the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I decided to look at my credit because I wanted to start the process of getting a home and I see some student loans on there that are not mine. I dont understand how this Is even possible being that I didnt even graduate high school so I dont know some student loans could be on my credit. I filed a complaint with the FTC like my friend advised me to and I contacted the police here. Im doing this on my own and need some help. The student loans are US Dep Ed, Dept of Ed/XXXX, DPT ED/XXXX and XXXX.
Product: Credit card

The Jcpenney/Synchrony credit card was paid off where I and a veteran representative, on the line asked the full balance on the card. Then asked to see if they could reduce fees to make a final payment. The balance was XXXX and they offered to reduce this total to XXXX. At that time a payment in the amount of XXXX was made that day of XX/XX/2024 where they offered to refund 3 months of late fees ( XXXX ) to pay in full and the call was recorded. To all of our understanding that day when the payment was made the account is closed and paid off. 

The next month another bill of XXXX interest was charged on a XXXX balance since the payment was made as agreed on the recorded call. This should not have occurred. 

The next month another XXXX interest on the interest was charged. This should not have occurred. 

This is an unfair way to do business. My veteran representative was helping me in getting the credit balances paid off in XXXX day and she is my witness. 

I would like the XXXX to be taken off of my account and some reparation paid to me for derogatory credit reporting after I made the payment that day I have prepared a legal and personal injury complaint and plan to file it.
Product: Credit card

I RECEIVED AN INSERT IN MY MONTHLY STATEMENT THAT STATES SYNCHRONY BANK IS STARTING A {$1.00} FEE FOR ANYONE RECEIVING A STATEMENT IN THE MAIL. I PREFER MAILED STATEMENTS. NOT EVERYONE, ESPECIALLY THE XXXX, DO NOT HAVE THE CAPABILITY OF RECEIVING ELECTRONIC STATEMENTS. I BELIEVE THEIR NEW FEE VIOLATES WHATEVER REG STATES THEY HAVE TO SEND OUT A STATEMENT. WHY SHOULD THE ONES WHO WANT A PAPER STATEMENT BE PUNISHED? A LOT OF TIMES, EVEN IF YOU HAVE THE CAPABILITY OF RECEIVING AN ELECTRONIC STATEMENT, SOME XXXX HAPPENS WITH YOUR DEVICE AND A STATEMENT NEVER MATERIALIZES. 

THIS SHOULD NOT BE ALLOWED TO BE IMPLEMENTED. WHAT CAN YOU DO ABOUT IT?
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt reporting on my credit report. After careful review, it has come to my attention that the statute of limitations for these debts has expired. 

As of my last knowledge, the statute of limitations for the type of debt in question is up to 7 years only, and the last activity on this account occurred on XXXX. Based on this information, it is my understanding that the legal timeframe for pursuing this debt has lapsed. 

I am attaching the following photos for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable ProoXXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a living man executor beneficiary of XXXX XXXX. It has come to my attention that although I have brain several letters asking for validation of death, audit trail I am not getting any response because of the automated system you have in place with XXXX fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation of the following federal constitutional law 15 USC 1681 ( A ) ( E ) 15 USC 16 9115 USC 16 zero 1 15 USC 1692. I am afraid of the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and I respect for the consumers privacy. I did not give consent XXXX account. I have remain humble despite the stress, I do you, and XXXX  three credit reporting agencies have density delete this account : US DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Data x want to put a freeze on my credit file from them reporting my credit information
Product: Vehicle loan or lease

I have been abused by American Credit Acceptance for years now... I have a XXXX XXXX XXXX..original sticker price approximately {$16000.00}. To date I've paid {$33000.00} at ( 28.24 % ) $ XXXX ... NOW they say I STILL have 29 more payments!! I have paid DOUBLE what the car 's original sticker price was and an outrageous 28.24 % rate. I have made payments on time ( 95 % early ) ... I am currently and in good standing... there has to be recognition that I have been deceived and preyed on by ACA... for the past 1 year and 5 months while on a LOA from work Managed to make every monthly payment on time and XXXX XXXX insurance each month whilst my car sat in driveway only used for local errands. I've read about lawsuit brought by New York attorneys on behalf of people who had American Credit Acceptance as their lien holder for car purchases... AND i have NOT found one person who's case/situation was worse than mine ... percentage rate at over 28 % and paid over {$33000.00} to date and STILL AMERICAN CREDIT ACCEPTANCE claims I have 29 MORE PAYMENTS! (???? ) Please please help... I have just returned to work a week ago... I have experienced great stress and financial hardship caused by American Credit Acceptance 's predatory, deceitful and purposeful in their pursuit of greed.I want to hold American Credit Acceptance accountable for the outrageous percentage rate purposefully and knowingly my monthly income was ignored and sales agent at XXXX said he 100 % could make a deal with car purchase. I strongly believe I have one of the worst cases as far as being taken advantage of in every way possible. I am disgusted and have had enough of financial abuse by ACA and want an attorney to bring a lawsuit against American Credit Acceptance for the years of deceit, contradictions in " absolute statements '' regarding payments made and total number of payments remaining. I have been deceived... given erroneous and contradictory statements given by supervisors at American Credit Acceptance I look forward to any advice or help from your firm or American Credit Acceptance must be held accountable for the predatory abuse on me. Please respond asap. Thank you and XXXX XXXX