23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Company engages in predatory lending and intentionally deceptive billing practices. Company encourages enrolling in paperless accounts however does not provide any statements online regarding the status of the account. The website only shows a " next payment amount '' however ( according to their customer service ) it does not include any fees the account may accrue and there is no way of knowing until you get a bill for a lump some of fees they want you to pay. Even if you overpay your monthly cost to cover what the account states are late fees the lender applies those fees to interest instead of paying off said fees ( according to the customer service rep ). I had a hardship and had my car repossessed last year ( XX/XX/XXXX ), paid my balance which included owed and current monthly payments plus the repo fee, yet XX/XX/XXXX they bill me for what is claimed by customer service to be an unpaid repo fee from over a year ago without any documentation to support it meanwhile I've been paying what the company has told me is my payment every month. This is either a fabrication to make more money, or it is predatory lending where they paid themselves more in interest and are now billing me again for something I sent a payment for. My " next payment amount '' never reflected anything other than the regular monthly payment plus any late fees. However, again, when I pay what the company is telling me I owe, they apply the over payment to interest and then lump the late fees that become due at a later date, all of which is not reflected on the website ( or the statements because they do not exist online ).
Product: Credit reporting or other personal consumer reports

There inaccurate information on my credit file in violations report on my file Not investigate into my credit required bye Law I'm asking to remove all late payment From my file immediately
Product: Credit reporting or other personal consumer reports

Subject : Immediate Alert - Unauthorized Inclusion of Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>2025, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : **Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX XXXXAccount Number XXXX XXXX **Amount : $ XXXX **Date of Account : XXXX/2025**
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Product: Debt collection

Hi, My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX XXXX, NC XXXX.
OnXX/XX/XXXX I was in XXXX Virginia on an HWY, I entered intentionally a toll zone HWY, as soon as I noticed it I got out from the toll, a couple of months I received a bill of {$1.00}, I did n't give it much thought, I end up losing the invoice and forgetting to pay it.
Soon after I received a bill from a collection agency ( Professional Account Management, LLC )  with the following info : Professional Account Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX PAM Account # XXXX Notice # XXXX My car plate : XXXX Due Date : XX/XX/XXXXTotal due : {$100.00} I really found it excessive to a theft, to charge {$100.00} for a bill of {$1.00}.
Can you please advise me how to fix this injustice.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be advised that the court does not send any information as it relates to bankruptcy to any website, search engine, internet or any Consumer Credit Reporting agencies regardless of case status whether dismissed or discharged. The reporting by Experian on my current credit report is a clear violation of 15 USC 1681, its the Courts permanent record. This bankruptcy item and all accounts associated need to be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

fraudulent inquirys was made on my credit report that wasn't done by me and I would liken them to be disputed I call the creditors to get this remove out my credit report and the excepted but tranUnion dont dont want to proside to dispute those inquires, this inquires are fradulent and I want them to the remove out my account.
Product: Mortgage

After repeatedly writing to and chatting with Rushmore Loan Management Services in XXXX, ( XXXX ) XXXX, they responded to my request about an upcoming ( XXXX XX/XX/2023 ) transfer of my loan to Rushmore in Texas on XXXX and XXXX XX/XX/2023 to inform me that my concerns were " under review. '' On XXXX XXXX and again on XXXX XXXX, RLMS wrote to explain that " XXXX XXXX XXXX XXXX not in its individual capacity but solely as XXXX XXXX for the XXXX XXXX XXXX is the current owner of the loan. '' Four days later, I received an email from " XXXX '' informing me that they, not " XXXX XXXX XXXX XXXX not in its individual capacity but solely as Indenture Trustee for the XXXX XXXX '' now held my mortgage : " Previous Servicer : Rushmore Loan Management Services LLC '' " Old Loan Number Ending In : XXXX '' " New Rushmore Servicing Loan Number : XXXX '' " Property Address : XXXX XXXX, XXXX, CA, XXXX '' " Transfer Effective Date : XX/XX/2023 '' " Your AutoPay and Escrow account will automatically transfer to us from Rushmore Loan Management Services LLC. Please note that there may be a slight delay in drafting your first payment. This is normal and nothing to worry about. If there is an issue, we will contact you. '' That same day, according to my bank, Rushmore Loan Management Services LLC withdrew my regular mortgage payment -- four days after they wrote to inform me that they no longer owned my mortgage. 

" XX/XX/2023 RLMS ACH RLMS Idxxxxxxxxxx {$1100.00} '' Ten days later, " Rushmore Rushmore '' withdrew the same amount without explanation : " XX/XX/2023 RUSHMORE RUSHMORE XXXX {$1100.00} '' So, my mortgage payment was charged twice this month without my permission or even notice, and Rushmore Loan Management Services LLC made their withdraw several days after they wrote to explain they no longer serviced the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

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

XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting

Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. The XXXX adverse items on my credit report has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX XXXX previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.
Product: Credit reporting or other personal consumer reports

Dear Fair Collections & Out, I am writing to formally address and dispute the collection account associated with XXXX XXXX XXXX XXXX The account in question was opened on XX/XX/ 2021, with an alleged collection amount of {$16000.00}. 

Concerns and Requests Violation of Privacy Act : According to the Privacy Act, XXXX XXXX XXXX had no right to share my personal information without my explicit consent. The unauthorized sharing of my information constitutes a violation of my privacy rights. 

Verification of Debt : Until sufficient and verifiable evidence of the alleged debt is provided, it is reasonable to assume that no such debt exists. Please provide detailed documentation supporting the legitimacy of this debt, including original account information and any agreements or records related to the collection. 

Cease All Communication : Under 15 U.S.C. 1692c, which is part of the Fair Debt Collection Practices Act ( FDCPA ), I request that all communications regarding this debt cease immediately. This provision requires that a debt collector stop communicating with a consumer upon request, except to inform the consumer of specific actions being taken.

Removal of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my credit report. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure compliance with fair credit reporting standards.

Consumer Rights and Compliance The collection efforts and reporting of this debt appear to violate my consumer rights under the FDCPA and privacy laws. Therefore, I expect immediate compliance with my requests and confirmation of the actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Product: Debt collection

XXXXXXXX XXXX took me to court for an eviction on XXXX XXXX. They only stated that I owed XXXX at the hearing. Afterwards XXXX XXXX XXXX filed a collection against me with numerous unsubstantiated charges that are not within the lease of contract. XXXX XXXX has stated charges that are a violation within the Texas Land Lord code of " PROPERTY CODE XXXX XXXX RESIDENTIAL TENDENCIES ''. These codes were set as to be fair for both the tenant and landlord. This organization has breached the tenant contract by being in violation of these codes.
Product: Debt collection

I sent this following letter in XX/XX/year> and they responded last week. They sent me a documentation which provides no explanation. The documents they sent shows all the paper work was signed by my son who was XXXX XXXX XXXX at that time. No bills or statements were sent by the provider and I called them today. It looks like they used the wrong medical billing codes with wrong explantation. 

The debt collection agency threatened me that if I dont pay it in 30 days it will go to my credit report and they are not ready to listen. They just told me to pay and then talk to the provider. It looks like there is some kickback scheme going on. I will really appreciate if you can investigate. I will be reviewing the medical notes & billing and will be contacting appropriate agency to look in to it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA-XXXX CBUSAAdministrative Office XXXX CA XXXX Subject : Dispute of XXXX XXXX XXXX XXXX Account XXXX Dear Sir/Madam, I am writing to formally dispute the debt referenced above, which your agency is attempting to collect. The charges from XXXX  are not accurate for the following reasons : Insurance Coverage : My insurance should have covered these charges, and I have verified with my insurance company that the claim was processed correctly. 
Billing Errors : There are discrepancies in the billing that need to be addressed. 
I have never received any statements from XXXX and in fact last year I went to their office and they never said anything about the balance due. 
Please investigate this matter and provide a detailed explanation of the charges. If errors are found, I request that you correct them and adjust the account accordingly. 
Under the Fair Debt Collection Practices Act, I am requesting that you cease all collection activities related to this debt until the dispute is resolved. Additionally, please confirm receipt of this letter and inform me of the resolution of this dispute at your earliest convenience. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After further review of my credit report I notice, XXXX XXXX is reporting a late fee on my report from XXXX during the pandemic. I have exception payment history with XXXX XXXX XXXX XXXX so to see a late payment being reported is heart breaking. I am asking in good faith for this late payment to be reversed due to the payment being sent in a timely manner. I have contacted XXXX XXXX customer service, and they advised it was nothing can be done, although XXXX was a difficult time for the entire world. I will hate to think a company like XXXX XXXX doesn't care what their clients were going through during a pandemic. I have had this account since XXXX and as of today XX/XX/XXXX, There is only 1 late payment being reported which is negatively impacting my credit report.

15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to Experian that they are currently collecting a government claim on my student loan, when in fact, my loan is current and currently being serviced by XXXX XXXX. 

I am unclear why the amounts of my original amount of approximately XXXX and XXXX each ( about XXXX in total ) now totals over {$30000.00}. Formerly XXXX XXXX has reported a total of the XXXX loans which i consolidate and are now XXXX at XXXX XXXX. 

I need this removed from my credit report because it is not accurate and s hindering my potential mortgage.
Product: Credit reporting

I already wrote that I had always my XXXX when l go to hospital I do n't know why they bill me please help me I have XXXX for 22 years I 'm starting to XXXX XXXX bless whom could help.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to formally dispute the accuracy of information regarding a charge-off account listed on my credit report. According to 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), all information in my credit report must be 100 % accurate. I have identified several inaccuracies associated with this account, which I believe violate these provisions. 

Please find the details of the account in question : Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccuracies : Date opened High credit limit Credit limit Last reported Date last active Date of last payment I request that you conduct a thorough investigation of this account. If the inaccuracies are not rectified, I ask that this account be removed from my credit report as required by law. 

Please be advised that if this request is not fulfilled within 30- 45 days as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), I will consider pursuing litigation to seek damages of {$1000.00} for each inaccuracy reported. I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

On XXXX XXXX I reached out to Experian credit bureau at that time I disputed the following account. XXXX XXXX XXXX ACCOUNT NO XXXX. I requested a full validation of this account pursuant to Federal Law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information.

1. Debt collector communication Disclosure 12 CFR S 1006.34 C 1 2. Debt Related Information 12 cfr s 1006.34 c 2 i v 34 c 2 ix 3. Itemization Related information 12 cfr s 1006.34 c 2 vi viii 4. Consumer Response Information 12cfr s 1006.34 c 4 5. A copy of the originial contract with my signature for this debt. 
XXXX. Full payment history from the original creditor along with the name and address of the original creditor. 
XXXXProof that you now own or have been assigned this debt. 

XXXX XXXX XXXX XXXX XXXX responed by sending me a copy of a XXXX XXXX XXXX lease in the name of XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The document they provided is XXXX pages long and does not bear any signature please review this document you will see that on page XXXX of XXXX there are XXXX names typed on this document and they are XXXX XXXX, and XXXX XXXX I have no knowledge of this information, also if you go to page XXXX of XXXX under Severability, Signatures, Originals and Attachments you will see there are no signatures on this document under paragraph XXXX this document states that you are legally bound by this document once you sign this document there are no signatures for anyone to be legally bound. this information is inaccurate and a XXXX and must be deleted under the Fair Credit Reporting Act. Furthermore after review the following company XXXX XXXX XXXX XXXX. I found that this company is in violation of Federal Law and State Law this company is not Licensed nor Registered to collect a debt nor report a debt in the state of Florida, this is FRAUD and must not go XXXX XXXX this company should not be allowed these kind of Fraudulent practices against consumers.
Product: Vehicle loan or lease

I bought a car from XXXX XXXX XXXX of XXXX Va XXXX XXXX XXXX XXXX XXXX, Back in XXXX XX/XX/2020 the sales person XXXX XXXX dose not work there anymore, I put XXXX down on the Vehicle which cost XXXX and after we discussed every my payments were supposed to be XXXX monthly For 36 months is what I was told, but when I asked them how much more do I owe they said XXXX more! they said nothing about XXXX percent rate, everything in this contract is False information, And I believe my rights were violated, I Am XXXX XXXX XXXX my birthday was Sunday and I was planning on paying my car off which I know is less then XXXX I havent been able to eat or sleep behind this situation, And I was struggling too keep the payments up this long, And Now they are trying too make me pay XXXX total amount for this vehicle on a 72 month plan! That very stressful! Because I would have never took this car in the first place if they would have been straightforward with Me! I really Need Help! Thank you XXXX XXXX! Finance through Credit Acceptance corp!
Product: Debt collection

I paid {$20.00} as a donation to a veterans fund to receive a 3 month subscription of XXXX XXXX XXXX. They failed to deliver the newspaper for the allotted time period and tried to charge me for additional funds even after they failed to send me my subscription. I received a notice From A.R.M Solutions ( dept collector ) requesting {$31.00} on XX/XX/2017. I paid them {$10.00} dollars as a compromise to make the debt go away despite not owing any debt. 

I am worried that their mistake will now place a negative record on my credit and I want A.R.M and XXXX XXXX to ensure a negative report on my credit has not been filed and if it has they address it to ensure my credit score remains as it was.