23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint against RMS Recovery Management Services regarding their deceptive and unlawful debt collection practices. I currently owe a balance of {$1000.00} on the original debt, but the collection agency has added various late fees, penalties, and other charges, inflating the balance to {$2000.00}. I am a single mother and currently unemployed, and after requesting to make monthly payments of {$100.00}, my request was denied despite my financial hardship. The debt originates from XXXX XXXX, where my FAFSA was approved, but I was not informed that dropping even one class would require me to make a payment. This miscommunication led to me not finishing my degree and subsequently incurring this debt. The collection company has continued to contact me excessively, including outside of permissible hours, and has reported inflated balances to credit bureaus, negatively affecting my credit score. Despite repeated requests for verification of the debt and the legitimacy of these fees, I have not received adequate documentation. I am seeking your assistance in investigating the collection practices of RMS Recovery Management Services, halting further unlawful communication, ensuring accurate reporting to credit bureaus, and reviewing my request for a reasonable payment plan given my financial hardship. Additionally, I would appreciate an investigation into the miscommunication from XXXX XXXX regarding payment requirements. Thank you for your attention to this matter. 

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

Company got my information without authorization from myself and now i have a inquiry from them in my credit report. This is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit these ongoing issues from creditor and credit reporting bureau Equifax. I have requested several times for Equifax to verify and correct misinformation and balances on my credit file all which come back verified disputes. I ask that you request credit history from XX/XX/XXXX in regards to XXXX XXXX XXXX. On XX/XX/XXXX creditor States current balance is XXXX. On XX/XX/XXXX reported to Equifax in dispute balance XXXX. On Credit history for XXXX XXXX from XX/XX/XXXX. I have submitted several times billing documents for hospital proving Medicaid coverage, however disputes continues to verify information. On top of my information being taken in the breach, I am now going back and forth with disputes that are known discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Sold the debt to a debt collector. I called XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from TRANSUNION/ XXXX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove.
Product: Credit card

Amex has recently created new terminologies, which no one else in the industry uses which is confusing and I claim with the intention of charging extra fees. Details : 1. When automatic payments are setup, it can be usually set up to ( automatically ) deduct a. Minimum payment due ( minimum payment and remaining balance and may incur an interest ) b. Last Statement Balance ( including any credits/refunds after the statement generation ) c. Current balance ( entire balance ) d. A fixed amount 2. When it comes to the due date, there are usually 2 options : a. On due date b. On a fixed date Credit card companies have grudgingly embraced the Automatic payments, with varying degrees of difficulty, Amex being the recent acceptor. However, they are trying to hoodwink consumers by providing a new set of terminologies which no one else in the industry uses such as " New Total Balance '', which they claim is nothing but " Statement balance '' but there is no guarantee as they can always twist their own terminologies. I did speak and chat with them but they would n't change. They also do n't have a " Payment due date '' for automatic payments but will only say Statement Date + 15days ... but what if this date is past the " Payment due date ''? Or what if they just change the terminology to +25 days? This, in particular is truly intended to hoodwink the consumers into missing the payment date or paying more. There is absolutely no reason to create new terminologies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute to Experian under tracking # XXXX, where inside I placed XXXX letters. I made all the letters separate because my last dispute Experian missed a whole account and did not investigate it, so my solution to this was to make a separate letter for each account but mail it in the same envelope. Today I received emails for Report # XXXX was received today XX/XX/2021 and should be completed by XX/XX/2021. I mailed a letter for accounts XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  and all eight of my XXXX accounts. On this alert my dispute for the XXXX accounts was not included. I have the expectation that all my disputes are to be acknowledged and researched. Im disputing the lateness on the accounts. XXXX by the way the account that was skipped prior that led me to make separate letters for all the accounts. Im attaching my XXXX dispute. Im doing my own credit dispute S so I not only type them and personally stuff the envelope and mail certified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times requesting an investigation to verify the debt and asked who opened and signed for this account. I also ask them to remove this fraudulent account reporting in my consumer file that does not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below was opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The account is noted as XXXX XXXX XXXX XXXX.
Product: Debt collection

different people from this CKS FINANCIAL make multiple threatning calls to my home and cell numbers using spoofing software showing local numbers on caller id every day saying the sheriff has some arrest papers or something at work .of course we all know that is not so .they have showed insufficient validation seeking unjustifiable amounts using the telephone to annoy and harass me .since XX/XX/XXXX i have blocked over 79 of there numbers showing local spoofing technology area codes that is amazing to see that level of harassment .sent a cease communication to there address on file but was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an FTC report to Equifax about two inquires that are on my credit report that I need removed. I called on XX/XX/XXXX to receive an update they stated it will take another 30 days to remove which is total of 60 days. Please be informed that I, a consumer, am conscious that you assumed an essential role to assemble and evaluate consumer credit and supplemental information on me as a consumer. The FCRA known as the Fair Credit Reporting Act was intended to utilize your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to validate reasonable procedures for meeting the expectations of commerce in a manner which is fair and equitable to me with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it comprehensible that I have a right to PRIVACY as a federally protected consumer. You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA & the Gramm Leach Bliley Act of 1999.. I did not consent or authorize you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization is IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions.
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 Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c 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 XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out, mailed, called FED-retail along with the Credit bureaus XXXX XXXX XXXX Trans Union XXXX to remove all late payment. As I was never late on a payment. Nor did I give them permission to share any of this information with anyone! They are in direct violation of the credit laws listed below. 

15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see.

15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights. 
15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc clearly shows you are in violation of this law. 
15 U.S CODE 1681b I am the original creditor and as such being born a natrual person I am the only oXXXX who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation 15 US CODE 1666b. -Timing of payments : Nowhere in the TILA, FCRA , FDCPA does it mention a late payment, but you are posting late payments to my credit report. You are being very inaccurate and devious. You are breaking FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries not authorized.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I had contacted Affirm regarding a purchase made and financed through them. I am able to see that each payment has been made and the amount, however there is no option for a monthly statement or any kind of breakdown or analysis on principal and interest of each payment. 

As an XXXX XXXX XXXX XXXX XXXX, I keep detailed personal financial records for budgeting purposes. While i may have the wherewithal to come within a reasonable estimate for my purposes, the fact that they can not and will not provide this information to consumers is unacceptable. The lack of transparency, through my point of view, is a predatory practice which unequivocally affects the less educated consumer, who would have no clue how much they are truly paying in interest.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I responded to an email invitation about a loan that said it would not impact by credit score. I never completed the application. Never confirmed my email as they requested, never formed a password. Decided not to apply because they could not tell me an interest rate without checking my credit report which I did not give consent for them to do. They asked for financial information ( bank statements, pay stubs, etc ) which I never submitted. They DID ask for the last 4 of my SSN right from he start which I provided. They obviously already knew it since it automatically pulled up and inserted all my personal information ( name, address, phone, etc ) to this " application. '' I spoke to a " supervisor '' who would only provide her first name " XXXX ''. She said nothing could be done because I " applied '' online rather than by phone or in person. She was at a location an hour away from me ( a " local '' branch? ) Turns out there are none in my county ). 

I filed a complaint at nj.gov Division of Consumer Affairs and filed a formal complaint which I told " XXXX XXXX I would do. I faxed my complaint with 18 pages of emails and texts from every bank, credit bureau, cards, etc saying there was a HARD inquiry on my Credit Report even though on the very first page of website and in the email it says it would NOT impact my Credit score or be reported to credit agencies.. Their main office in Indiana does not even provide a fax number for me to send it all to them.
Product: Debt collection

This letter is to formally inform you that I have been attempting to cancel my membership with XXXX XXXX XXXX of XXXX since XX/XX/XXXX due to having a medical emergency a XXXX and recurring XXXX. I was on XXXX for over 8 months my XXXX  would not allow me to drive and I was also on unpaid XXXX. I spoke with Master XXXX in XX/XX/XXXX he said he couldnt cancel the contract and would provide 2 free months that I could use. I explained to him that I couldnt drive my daughter to the classes. My daughter taking Marital Arts is not an immediate need like food, clothing and shelter and under the circumstances my contract should have been canceled it is not a necessity to survive. 
According to the terms and conditions in the contract, I may cancel without paying the full yearly dues if my physical condition does not allow me to use the membership. Up until my XXXX my daughter enjoyed my attending XXXX XXXX XXXX. 
I request a written confirmation from you that my membership in XXXX XXXX XXXX of XXXX is cancelled and that I dont owe in membership in rear. Thank you for processing my cancellation in a timely manner. 

I last paid XXXX of XXXX Start of contract of 18 month contract XX/XX/XXXX Affiliated Acceptance Corp says I owe from XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX The company and original debtor XXXX XXXX XXXX have refused to cancel membership due to my medical emergency and XXXX.
Product: Mortgage

I 'm 3 mos behind on my mortgage payments with Pacific Union Financial. I have a documented XXXX and so I do miss work occasionally because of the illness. My mortgage company was informed that my delinquency was due to illness. However, I have been told that I need to make a triple payment this month in order to prevent foreclosure, because I 'm in pre-foreclosure. My issue is that I called offering at least one whole payment, and was denied. They told me it is being rejected because I am being required to make a triple payment. Is there any way to disallow these practices? Especially for hardworking people who fall on hard times for one reason or another?
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REP
ORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith
pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.