23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CACI/Consumer Adjustment Company Inc is a debt buyer that just showed up on my credit reports on XX/XX/XXXX. CACI claims to have opened an accoubt with me on XX/XX/XXXX per my credit reports. They are trying to collect money for XXXX XXXX XXXX  which was a company that I've already paid off and as well they are a part of the XXXX XXXX settlement that I received money from for their illegal lending practices. I paid my loan odf within weeks of opening it for {$1000.00}. CACI is not only attempting to collect on a loan that was already paid but has also violated the Fair Debt Collection Practice Act by adding more money to a paid off loan. CACI is claiming that I owe CACI {$1500.00}. I will now quote the CFPB 's findings : " XXXX  XXXX  engaged in unfair, deceptive, and abusive acts and practices in violation of the Consumer Financial Protection Act in connection with the illegal collection of loans that were void in whole or in part under state laws governing interest rate caps, the licensing of lenders, or both. 

The Bureaus first amended complaint, filed in the U.S. District Court for the District of XXXX  in XXXX, alleged that the XXXX XXXX XXXX operated as a common enterprise that affiliated with tribal lenders in the offering and collection of online installment loans and online lines of credit to consumers nationwide. The XXXX  XXXX XXXX, the Bureau alleged, made deceptive demands and illegally took money from consumers bank accounts for debts that consumers did not actually owe because the loans were either partially or completely void under the law of 17 states. The Bureau also alleged that the XXXX XXXX XXXX provided substantial assistance to two debt collection companies that were also engaged in the illegal collection of loans. '' CACI is in violation of the Fair Debt Collection Practices Act in a number of ways. One reason is that CACI has never written me nor contacted me by postal mail as required by the Fair Debt Collection Practice Act. I am considering pursuing litigation as this company is attempting to collect money on a debt that was already paid off, for defamation as this company is reporting falsely on my credit report, and is in violation ofthe Fair Debt Collection Practices Act, 15 U.S.C. 1692 by : 1. Failing to provide a written  notice 2. Adding unauthorized collections and XXXX. Attempting to collect a debt that is not owed. I have attached proof of payment and removal of my XXXX XXXX XXXX account. As well, I am requesting that the CFPB add CACI for further investigation into the XXXX XXXX complaint.
Product: Debt collection

I was under a payment plan for this debt beginning in XXXX / XX/XX/XXXX ; payments were taken directly from my checking account. In XX/XX/XXXX, I lost my job. I communicated this to LVNV ( the predecessor to Resurgent ) monthly and advised that I was unable to make payments on this debt ( approximately $ XXXX ). I received no communications - phone, email, written, or court documents during the period from XX/XX/XXXX through today, XX/XX/XXXX. Today, I checked my bank account and it had been cleaned out - there was a debit in the amount of {$3600.00}, which was the balance remaining from my first paycheck in nearly a year. Upon reaching my bank- I assumed that there was fraud involved- they provided me with the number to contact Resurgent. Apparently a writ of garnishment was filed recently with my bank, yet no service / notice / contact was made with me in advance. And, they refuse to " stop the garnishment '' despite the fact that I am now left penniless, without funds for food, shelter, or bills- the total debt is over $ XXXX. And, short of litigation or XXXX, I have zero options for recourse.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Submission Consumer Information : - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX TER XXXXXXXX XXXX XXXXXXXX - Date of Submission : XX/XX/year> Bureau Information : - Bureau Name : EXPERIAN - Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Requested Resolution : I request that EXPERIAN conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of XXXX % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within XXXX days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : ( If applicable, list any documents you are including with your complaint ) Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

I called Mohela on Friday XX/XX/XXXX at XXXX and sat on hold for about 3 hours and 35 minutes until connected to a representative. I told him I have been accruing interest during XXXX XXXX interest times and that all letters I have received since the transfer from Mohela to Mohela student aid have had different information. He told me that student aid tells them how much I owe still and that there is nothing they could do. I asked why all my documents have different amounts owed on it and he told me to talk to studentaid. I requested to speak to a supervisor so I could file a complaint and resolve this issue and he put me on hold and hung up on me at XXXX. I went to Mohela 's website to file a complaint and submit a request to have my account reviewed and when I would hit submit nothing would happen. The following is what is wrong with my loans. 
My interest accrued is incorrect on all of my loans, my principal balance is off for one loan, and many letters with conflicting information. On Statement on XX/XX/XXXX says I owe {$110.00} for a loan which included both interest and principal balance but as of today ( XX/XX/XXXX ) it is at {$4500.00} while on XXXX XXXX interest and based on my data from NSLDS and my records this loan should actually be around {$4500.00}. I have used previous emails and letters as well as the data from NSLDS to show this. I have found {$1900.00} of interest interest added to my account. This was not an issue on my original loan servicer and only started happening after being transferred to Mohela as shown my NSDLS data and letters. My account on Mohela 's website does list payments made since XX/XX/XXXX but does not list any information about how much my balance was after making these payments. Mohela also sent a letter when my loan was transferred to Mohela Student Aid and it listed my balance being transferred but did not list any interest which is misleading over how much I owe. My credit reports have also been showing different amounts for over a year. They have reported drastically different number going from low to very high to a little lower to higher again. With all the misleading and conflicting information I'm struggling with what I should be paying and there's no way to even contact someone to find out why there is inaccurate amounts on my loans and letters let alone resolve it.
Product: Credit card or prepaid card

I am contacting your agency for assistance in disputing several transactions on my XXXX account ending in XXXX. These transactions are a direct result of an online business opportunity where what I thought I was buying was grossly misrepresented. These companies worked together selling me various related products and services that have not been delivered as they were described. The charges that I am wishing to dispute are : XX/XX/XXXX XXXX  {$2000.00} Chase XXXX XXXX XX/XX/XXXX XXXX  XXXX  {$1200.00} Chase XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, Previous compliant # XXXX I am writing to express my utmost outrage and to vehemently dispute the numerous inaccuracies and violations in your reporting of the account XXXX. 
Your actions are in clear violation of both the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standards. I demand that you take immediate corrective action to rectify these issues and comply with your legal obligations. 
Firstly, the dates reported for this account, including the date opened, last active, and last reported, are inconsistent and inaccurate across different credit bureaus. This is a blatant violation of FCRA Section 623 ( a ) ( 2 ), which requires furnishers to correct and update inaccurate information. Additionally, this violates XXXX XXXX reporting standards, which mandate accurate and consistent reporting of account information. Penalties for FCRA violations can reach up to {$1000.00} per violation under Section 616.

Moreover, it is evident that this account has been re-aged to extend its legal termination date. This practice is strictly prohibited under FCRA Section 623 ( a ) ( 5 ), which forbids furnishers from reporting information that they know or have reasonable cause to believe is inaccurate. Re-aging accounts is also a clear violation of XXXX XXXX standards, which require accurate reporting of account dates. Penalties for this violation can include statutory damages of up to {$1000.00} per violation, punitive damages, and attorney 's fees under FCRA Sections 616 and 617. 
The presence of multiple violations regarding this account demonstrates your complete disregard for the law and the rights of consumers. Your actions have caused significant harm to my credit profile and have hindered my ability to obtain credit and other financial services. 
I demand that you immediately cease reporting this inaccurate and violative account to the credit bureaus and remove any negative information associated with it from my credit reports. Furthermore, I expect you to conduct a thorough investigation into this matter and provide me with evidence supporting your reporting, as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
Please be advised that I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
Failure to comply with these demands within 30 days will result in my taking swift legal action against your company, seeking the maximum penalties allowed under the FCRA and any other applicable laws. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. 
Your prompt attention to this matter is required. I will not hesitate to pursue all available legal remedies to protect my rights and hold your company accountable for your egregious violations. Your blatant disregard for the law and consumer rights will not be tolerated. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to buy another home so I looked at my credit in XXXX of XXXX, there are alarming accounts and inquiries that I did not make. This is disheartening as I worked so hard on my credit to be in good standing for the past 7 years since college. I have an account with XXXX who as everyone should know by now has gone through more than 3 breaches in the past couple of years. I do also recall missing my purse. I lost my purse on my birthday at the club some time ago in XXXX. Though, when I returned to the club the next day to see if I could find it, to my surprise the club owner gave it back to me with all my belongings still intact so I thought nothing of it. I don't know who could have stolen my information or sold it off for that matter. Again this is disheartening as I have reached out directly to XXXX, Transunion and XXXX several times on this - presenting them with all necessary documentation and still have not received any help or guidance. They have yet to respond by deleting all the fraudulent information on my credit report. I paused on putting an application in for a new home and hate that I have to go through all of this. I just want to be treated fairly, I am utterly disappointed in both XXXX and XXXX and Transunion. The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts.. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Quickly delete the items from report as soon as possible.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXL Account Number : XXXX Account Name : TXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 information is inaccurate.
Product: Credit card or prepaid card

I have contacted XXXX XXXX XXXX in regards to a Discover credit card account ending in # : XXXX that was opened fraudulently in my name and someone using my personal information. Discover continues to hold me liable for the fraudulent account and charges that arent mine and dont belong to me. I contacted my 2 U.S. Senators from Arizona, Senator XXXX XXXX and XXXX XXXX and informed them of this matter. Senator XXXX and XXXX sent me a letter and informed me that they will look into this matter, contact XXXX XXXX XXXX seeking a resolution to this matter, and possibly call senate confirmation hearings for executives from XXXX XXXX XXXX to appear at senate confirmation hearings due to receiving similar complaints from other constituents in their district.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my items on my credit report
Product: Mortgage

XX/XX/XXXX Started application for refinancing home loan with current lender, Freedom Mortgage, to lower interest rate.I turned in all the necessary documents requested. 
Spoke with XXXX XXXX XXXX XX/XX/XXXX : Was told that lender officially accepted the application has started processing loan. Was told that will be closing late XXXX or early XXXX. 
XX/XX/XXXX : Was told that I was assigned to XXXX XXXX, customer advocate to assist with the processing and would be the contact person. XXXX. 
XXXX : Turned in all documents requested promptly including Quit Claim Deed and divorce decree. 
XX/XX/XXXX : Upon inquiry was told that no document is needed. 
XX/XX/XXXX : Was told that I need to turn in again signed Divorce Decree for title review. 
XX/XX/XXXX : I found out that XXXX XXXX has not provided Title Department of updated Quit Claim and Divorce Decree. I turned it in myself to Title. 
XX/XX/XXXX : By this time, it was more than 45 days since initial loan application. Was told that they need home insurance info but I told them that I am using current insurance and they have information available at their escrow dept. 
XX/XX/XXXX : I provided insurance contact information to speed up processing. 
XX/XX/XXXX : Was told I need to provide most current bank statement which I have provided on the same date. 
XX/XX/XXXX : I was told by XXXX XXXX that he has turned in file to underwriting for final approval. I thought it was already with underwriting since XXXX and they were just awaiting supplemental documents. There is still no information when the loan would close. 
My concern is that Freedom Mortgage has been hold on with refinancing so that I would continue to pay monthly mortgage at a higher interest rate. By using the current lender for refinancing, I would think that they have all the information they needed except for supplemental documents which I have turned in and don't see any reason why the loan has not been closed yet. I felt it is predatory to kept me waiting when this is a simple refinancing application. I am hoping you would assist and advocate on my behalf. Thank you. 
XXXX XXXX XXXX XXXX Lender : Freedom Mortgage Account Number XXXX Property : XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Product: Debt collection

2 years ago now I got a pay day loan and when it went through the company put it through twice. They have tried to charge me twice now for one payday loan and because of their mistakes that I should n't have to pay for. It was for 150 or so the collection agency has called my family and friends told them about the debt threatening them that they will be sued or go to jail. Doing the same with me I have many many voicemails saved of them trying to act like the cops and black mail money from me and my family. I have tried to settle but they are rude curse hang up on me and say I 'm being charged with check fraud. I did n't do anything wrong and I have read online about a lot hundreds of others that they have done this too for an extra buck it 's wrong and people that do n't know about fair debt collection act do n't even have a chance.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I spoke to customer service at XXXX XXXX about the alleged late payment reported on my consumer report on XX/XX/XXXX. XXXX XXXX failed to verify the account number for the referenced account. They also mentioned that the account they do have on file shows no late payments. Experian, XXXX, and XXXX is reporting false information and continues to report updated and verified accurate information. This isnt the first time that Experian, XXXX, and XXXX have violated my rights protected be the FCRA guidelines. 

On XX/XX/XXXX I spoke with customer service at XXXX XXXX XXXX informed them of their violations in reporting late payments without my written permission and about their responsibility to notify consumers 21days before furnishing any information to the credit reporting agencies. I asked why and how they verified information to Experian, XXXX, and XXXX. They replied saying they have not reported any information to Experian, XXXX, and XXXX. 

Experian, XXXX, and XXXX were all notified about this dispute on XX/XX/XXXX and failed to respond within the 30 days regulated by the FCRA. 

I demand immediate remedy for these infractions, no extensions beyond the 15 days set forth by the consumer finance protection bureau will be given or tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Debt collection

I have tried to fix the situation with this company multiple times with XXXX XXXX XXXX XXXX  This debt that is not mine which is a result from identity theft, this company has been paid using a 1099c and the company is still reporting negatively on my consumer report. The company has already discharged the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter with police report and identity theft report and yet they refuse to remove the item from my consumer report. I am now demanding XXXX XXXX XXXX XXXX  to properly remit 1099c so that I can properly file my taxes. I am demanding that XXXX XXXX XXXX XXXX send me a copy of the 1099c b for the debtor documentation that XXXX XXXX XXXX XXXX has already transferred over to the treasury. Also i am demanding that fair collection & outsourcing contact all 3 consumer reporting agencies and update the status of the consumer report to paid or remove the identity item from my consumer report either or because this is not my debt but since they have already been paid they have a choice to either update my consumer report to paid as agreed or remove and remit payment and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for. I am also aware of the certificate of indebtedness which XXXX XXXX XXXX XXXX has used as assets on the trading market also files a 1099 c with the IRS for all debt over {$600.00} yet failed to provide.I know that XXXX XXXX XXXX XXXX is trading my securities through the trade market system if not i will have to take extreme measurements in federal court which is the proper venue due to securities being involved. Along with IRS FOR TAX EVASION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account of on XX/XX/2023 and the company XXXX XXXX XXXX XXXX and XXXX XXXX was to report it two the three credit agencies but has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX, and continued reporting false information without any proof provided, within the time allowed by law, is not authorized. How can be the payment history shows a 90 days late ( XX/XX/XXXX ) without showing a 30 and 60 days of late payments? You are attempting to violate this clear understanding. Below are the accounts that are reporting late on my Credit Reports XXXX XXXX XXXX XXXXXXXX ***** Opened Date XX/XX/XXXX Balance {$3400.00} XXXX XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$4400.00}