23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TNT FINANCIAL INC XXXX XXXX AND XXXX TNT finanicial sold me a vehicle and repossessed it. never disclosed any information about selling it and never took what it was sold for off of the balance. they also havent taken any payment made since off my balance. i never recieved anything showing what they sold the vehicle for what was taken off the bill because it never changed. i asked how much and to send me the information from it on the phone and was talked around and denied any information. i asked them to validate everything and they never did. they sent me a judgement from a courtday i never recieved 4 or 5 years back stating that i owe thousands over what i agreed to pay to begin with. and told me they were charging me interest on the wrong amount because they never took anything off so they just kept racking on charges to the point of no return. they have treated me poorly and unfairly and preyed on me. i would like this removed from my credit report as it has ruined my life in the worst way i couldnt settle this debt if i wanted to with all of their ridiculous charges which i would have. this is not fair or accurate credit reporting thank you
Product: Debt collection

I was contacted by Portfolio Recovery Associates regarding a XXXX XXXX Account. XX/XX/22 I found that this company is not licensed to collect debt in the state of Illinois. I asked that they cease and desist all actions that have taken : phone calls, emails, and letters but they have not made any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB & Experian & XXXX. 

I did have a XXXX bank account and what happened was is there was multiple fraudulent activities on the bank account, a " Stand by Cash was open '' with the account, I told XXXX I did not open this and they told me well someone had to use your phone number, I even told them on multiple phone calls 1. I replaced my cell phone because I was in a car accident and my phone was done, 2. I went into a XXXX branch and had the bank account put on hold because of all the transactions for example there were multiple instacart orders and shoes sent to Kentucky, I do not live in Kentucky. 

The only reason why XXXX is holding my LIABLE is because of the app it was accessed with my phone number, that's why I told them multiple times i replaced my phone, I PUT A HOLD ON THE ACCOUNT even with a hold on the account transactions were still being made.
Product: Credit card or prepaid card

I upgraded my Discover It secured credit card that had a {$500.00} desposit on it but I never received my desposit back. I called on XX/XX/2020 and they said they will mail me a check. I called again on XX/XX/2020 and XX/XX/2020 with the same problem but they kept telling me to wait for it even though they told me initially it would take 7 business days for the check to arrive. Finally, I called again on XX/XX/2020 and they said they would send it directly to my bank account.They said it would take 5 business days and I still havent received it to this day XX/XX/2020.
Product: Credit card

My credit limit was unexpected lowered on my 2 personal accounts to {$1000.00} from {$5000.00} and {$2000.00} respectively in the middle of the night adversely affecting my credit report even though the accounts have a zero balance. In addition this company increased the interest rate charged to the account without proper notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an FTC report for all the documents listed on my report that I blieve are fraud due to multiple data breaches where my information has been exposed. I sent a copy of the report to XXXX, XXXX, and Experian and they have not responded to the disputes within thirty days and they have not taken these fraudulent items off my report
Product: Mortgage

My lender is not giving me any Loss Mitigation options. Instead, what they want me to do is to pay the full amount that I am behind to bring my account back to current status. Now, my house is on active foreclosure.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 to be removed/updated.

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 l
ate 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.

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!
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

Experian 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
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2020, I wire transferred an amount of XXXX USD from XXXX to transferwise.com. But on XXXX XXXX, 2020, it refused the transfer and started refunding. 
Until now, I have not received the refund.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX, Diversified Adjustments account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states, I have a right to privacy. 15 U.S.C. 1681 section 602A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to log into the Trans Union system to initiate a credit freeze using the correct password and id. It immediately locked my account. It took several calls spread over several hours to get this corrected. They have a lame phone system that takes all your personal information while trying to redirect you to a chat system when you want to talk to a human. Once you get to the human, you have to repeat all the ID information again. 
It turns out that the problem was that Trans Union does not handle VPN connections properly. VPN is a good safe way to be protected from spies and hackers. Why can't Trans Union accomdate that?
Product: Vehicle loan or lease

On XX/XX/2023, an agent acting on behalf of Toyota Motor Credit Company illegally repossessed my vehicle. The agent illegally entered a locked garage of a condominium building without permission in violation of California law. Additionally, when I recovered my vehicle, my belongings were not returned to me ; this is also illegal under California law. The belongings which were not returned to me had a replacement value of {$1300.00} and included sensitive personal documents pertaining to myself, my parents, and my grandmother.
Product: Credit reporting or other personal consumer reports

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

I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted Wells Fargo by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a new vehicle due to my family growing. As I was in the dealership I searched for the car I wanted and sat down with the salesman to see what type of interest rate I could get. As my credit got pulled it was almost impossible to get a low interest rate with the maximum of items on my report that are not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$1000.00}
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request for Account Number XXXX Dear Net Credit I am writing in response to your recent communication dated XX/XX/XXXX regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt and provide documentation to prove that I am legally obligated to pay it. 
Specifically, I am requesting the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the debt, including a breakdown of all fees, interest, and payments. 
XXXX. Proof that you are authorized to collect this debt. 
XXXX. Copies of any documents that show I agreed to pay this debt ( e.g., the original signed agreement or contract ). 
Until I receive this information, I am requesting that you cease all communication regarding this matter, except to provide the requested validation. Additionally, please ensure that you do not report this debt to any credit reporting agencies during this validation period, as doing so would be a violation of the FDCPA. 
If you can not provide the requested documentation, I respectfully ask that you stop collection activities and remove any references to this debt from my credit reports. 
Please be aware that this letter is not an acknowledgment or acceptance of the debt. I reserve the right to file complaints with the Federal Trade Commission ( FTC ) and my state attorney generals office if I believe my rights under the FDCPA have been violated. 
I look forward to your prompt response. Please send the requested information to my address above. 
Sincerely, XXXX XXXX
Product: Mortgage

Stonegate Mortgage claimed that we did not have appropriate insurance ( although we do ) and placed a grossly overpriced penalty insurance policy on our account, took all the money from our escrow account, and promptly sold loan servicing rights. We have electronic email records showing how many times we tried contacting them, and they did not respond a single time. My family has been defrauded by Stonegate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorization for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever aconsumer reporting agencyprepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for a re-investigation of the following personal information, unauthorized inquiries, and inaccurate accounts : The following personal information is incorrect Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX The following personal information is incorrect Employers : XXXX XXXX PLEASE DELETE THE INACCURATE PERSONAL INFORMATION ABOVE FROM MY CREDIT REPORT. I only give permissible purpose for the following accurate and correct personal information to be furnished : Name : XXXX XXXXXXXX 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  Please delete any other personal identifiers as they are inaccurate. The Fair Credit Reporting Act states my credit report must be XXXX XXXX accurate when furnished. I have included documents that verify my identity with this letter. 

Thank you for your due-diligence in having this corrected as soon as possible. 

With XXXX XXXX, XXXX XXXX
Product: Debt collection

I am writing to formally dispute a debt reported by NCA on my credit report, which I was previously unaware of. I believe this entry to be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ), which mandates proper notification to consumers before reporting a debt to credit agencies. 

To date, I have not received any notification from NCA regarding this alleged debt prior to it appearing on my consumer report. Under the FDCPA, debt collectors are required to provide written notice of the debt within five days of their initial contact, including information on how to dispute the debt. I have not received such notification, which constitutes a failure to comply with this requirement. 

If NCA contends that they have provided proper notification of this debt, I request that they provide proof of such notification, including the certified mail receipt with my signature, to substantiate their claim. 

I am serving this letter as both a formal complaint against NCA for their non-compliance with the FDCPA and as a pre-arbitration notice. Should my consumer rights not be respected and this false account is not removed from my credit report, I will be compelled to initiate arbitration proceedings to address the false and misleading practices in violation of the FDCPA and my consumer rights. 

Please investigate this matter and assist me in resolving this issue promptly. I would appreciate a written response from the CFPB regarding the steps taken to address this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I've consistently made sure that payments on this account are made on time, never allowing them to be overdue. However, I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, these should be corrected.
Product: Vehicle loan or lease

Santander Consumer USA keeps adding bad results to my report. I have asked them to validate account with original signatures and or signed papers and they still have not done so. As a consumer they violated not being able to proof it therefore Im demanding them to delete this account off my credit report like yesterday
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX # XXXX XXXXut account # XXXX XXXX XXXX # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX & XXXX Dept of Treasury account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX & XXXX XXXX CXXXX account # XXXX XXXX  XXXX account XXXX XXXX XXXX  account # XXXX XXXX XXXX  Bankruptcy Ref # XXXX 15 U.S.C section 602 A. Section 2. 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. 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 reporting, credit repair services, or other personal consumer reports

I am
one of 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax. Through Equifax, hackers accessed my name, Social Security number, birth date, addresses and, possibly drivers license number. They may also
have stolen my credit card numbers and documents with personal identifying information.
This is unacceptable and will result in great personal expense of time, money and energy for the foreseeable future.
Product: Credit card

A credit card account through Synchrony Bank was opened under my name last year, XX/XX/XXXX, with over {$4000.00} spent without my knowledge nor consent. An alarm company, XXXX XXXX, used my social security along with other personal information to open this account with an electronic signature. Instead of having a contract through XXXX XXXXXXXX for their home security services, the company opened a credit line through a bank and spent XXXX XXXX XXXX 

I have been in contact with Synchrony Bank and XXXX XXXX for almost a year trying to seek answers or a solution. The owner of XXXX XXXX has falsely made several promises of handling the issue. Although the owner stated this was an uncommon issue of not being informed on credit lines being opened, there are several other individuals that have publicly spoken out about the exact same thing happening to them credit cards being open without their knowledge. 

I have filed several fraud complaints with Synchrony Bank. I have requested several times for Synchrony Bank to mail me a copy of the contract with my electronic signature. 
The dates I have requested the contract are as followed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I have recorded documented audio proof of my requests. 
The bank has consistently reopened the account stating that I am responsible, but have not mailed me a copy of the contract. I have never seen a copy of anything, yet I am being told to pay XXXX amount of money back on this debt.
Product: Student loan

I reached out to inquire about the status of my payment, and their assurance that it had posted without the possibility of a refund turned out to be inaccurate. To my dismay, I incurred additional charges, including fees and interest, while my bank has no record of any attempt to collect from my account. 

Despite multiple attempts to rectify the situation, the company lacks online debit payment options, and the bank transfer process is not only inconvenient but also takes up to a week. This delay is adversely affecting my credit, adding to the urgency of resolving this matter promptly. 

Having engaged with a representative, I was led to believe that my payment was successfully processed. However, the discrepancy persists, and to compound matters, I discovered an unexpected and unjustified charge of {$210.00} on top of my initial payment. 

This unsettling scenario not only raises concerns about the company 's transparency but also suggests a potential fraudulent aspect to their dealings. I am deeply frustrated and troubled by this situation, and I implore the company to address and rectify these issues urgently for the sake of fairness and financial integrity.
Product: Debt collection

Hunter warfield debt collection agency has continued to call me to collect a debt from an apartment I used to live in. When I have asked for written documentation to see a breakdown of my charges, the man on the phone became very nasty and told me that a payment had already been made on the account and that it was because of carpet being replaced when I moved out, I told him I still wanted it on paper to see the actual charges for myself he talked over me and very snidely told me " they would send it " and then proceeded to hang up on me without another word. When I have offered to pay them in the past for what I could when I could they outright refused saying the debt must be paid in full or in XXXX payments which I am not able to do, I was told " that was my problem and that I better figure out how to get the debt paid. ''