23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date opened : XX/XX/XXXX XXXX : {$670.00} Contacted both original creditor as well as collections agency ( which is internal ) beginning in XXXX to explain that I have been incarcerated for 19 years and have only recently been released from Federal prison in XXXX of XXXX.
Product: Mortgage

Currently Shellpoint MTG is reporting a deferred balance on my loan of {$82000.00} that i have no memory of, i have tried to escalate the issue with them multiple times by phone and even via their electronic customer service portal but they do not respond. 

I have lost hope on what to do and how to get the answers that i seek as the deferred balance is half of the outstanding mtg payment of {$160000.00} i ran a deed search and have found that there is nothing there justifying the amount and again no one gets back to me or treat me fair when i try to resolve the issue i need someone to help me resolve this issue.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXXXXXX Dear XXXX GA XXXX XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ) ; the XXXX XXXX XXXX under Sections 392.301 and 392.305 ; and identity fraud laws, specifically Texas Penal Code Section 32.51 . It has unequivocally come to my attention that [ company name ] has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). In addition to federal law, Texas state law, specifically Section 392.301 of the XXXX XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the XXXX XXXX XXXX establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas XXXX XXXX XXXX XXXX, underscore the severity of unauthorized access and misuse of personal information. I assert with unwavering certainty that I have not provided consent for [ company name ] to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. I demand that [ company name ] immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the XXXX XXXX XXXX. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. I anticipate your immediate attention to this matter and expect that [ company name ] will promptly rectify these egregious violations, respecting my rights under federal and state laws. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed that I had a few accounts listed that did not belong to me. I am not sure how these companies got my information or how they are even reporting that I owe them anything. Here are the accounts listed below : XXXX XXXX XXXX XXXX {$7900.00} XXXX XX/XX/XXXX XXXX  XXXX Bal- {$3800.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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. 


The list of accounts appearing on my credit files by XXXX, XXXX and Equifax below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : XXXX. XXXX XXXX XXXX XXXX {$990.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$86.00} - Acct # XXXX XXXX. XXXX XXXX- {$1100.00} - Acct # XXXX XXXX. XXXX XXXX- {$730.00} - Acct # XXXX XXXX. XXXX XXXX- {$1500.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$890.00} - Acct # XXXX XXXX. XXXX - {$1100.00} - Acct # XXXX XXXX. XXXX - {$700.00} - Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late despite the fact that I am always on time.
Product: Debt collection

i never received a call, email or letter in the mail stating that i owed anything. I 'm an amateur in understanding credit and just recently looked at my credit report for the first time and do n't understant anything. But i saw a debt of collection on my credit report. so my question is, how do you pay off a debt and how would i know if its the only debt i need to pay?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with Equifax. this has been an ongoing issue that needs to be resolved asap. all of my data is incorrect. please review an remove the requested information to help clear my file asap.
Product: Student loan

I am calling to get resolution in regards to a student loan taking out by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, Ga XXXX. The account number is XXXX. The company is American Education Services XXXX. XXXX XXXX XXXX, Pa XXXX. This loan I believe has me listed as a co- borrower which I am not. Also Informed this company that me and XXXX XXXX are divorced and have been since XXXX.
Product: Debt collection

Caine & Weiner, the charlatans of debt collection, appeared on my credit report regarding an auto insurance invoice. I called Caine & Weiner and asked that they provide proof of this outstanding debt, as I have proof of cancellation and a XXXX balance ( I'm also an active customer with the very same insurance company and confirmed this with them as well ). I was told to send them the proof, which I did. A very angry, aggressive person called, by the name of XXXX XXXX, and make threats of further collection action, although I already supplied proof of payment.  When I asked her to simply validate this debt, she said " I'm not sending you anything, it's just gon na stay on your report ''. If I wasn't well educated on my rights, and perhaps as ignorant as the person who called me, I might have been moved by her meaningless threats. How do you allow businesses ( for lack of a better word ) continue to practice this way?
Product: Debt collection

LVNV FUNDING c/o Resurgent Capital Services has been reporting a collection account on my consumer report which violates my federally protected consumer rights. I have sent the company debt validation letters pursuant to 15 USC 1692g demanding they validate the alleged debt account with information on the original creditor and provide the name and address of the " original creditor '' and show any ledger and any type of " delegation of authority '' to confirm that LVNV FUNDING c/o Resurgent Capital Services is owed a debt from me, the natural person/Consumer pursuant to 15 USC 1602 and they have failed to provide any documentary evidence to show that their claims are true and I owe any alleged debt and to prove that they have right and authority to collect any alleged debt from me. LVNV FUNDING c/o Resurgent Capital Services is reporting this information on my consumer report creating an adverse action pursuant to 15 USC 1681a ( k ) ( 1 ) and has caused damaged my reputation and caused financial loss and the loss of my security clearance and are civilly liable pursuant to 15 USC 1640 and criminally liable pursuant to 15 USC 1611. LVNV FUNDING c/o Resurgent Capital Services refused to show me any proof of where this transaction originated and how I ended up owing them any alleged debt and failed to prove how they ended up with my personal information.
Product: Mortgage

The bank foreclosed on the home in 2007 and sold the home to a different person. Now, all of a sudden, I received a bill. ( Please see attached. ) When I attempted to resolve it, the operator said I was obligated to pay it in full. I explained that I lost the house over a decade ago to foreclosure. 

This is predatory debt collection practice.
Product: Vehicle loan or lease

On XX/XX/XXXX, XXXX XXXX XXXX entered into a consumer transaction with Westlake for the purchase of a XXXX XXXX XXXX XXXX in the amount of {$24000.00}. Unknowingly, the transaction was secured by a security interest in the vehicle. 

However, Westlake failed to disclose essential terms, including proceeds from the security interest. I am writing to demand that Westlake immediately cease and desist from any further actions.

The transaction was secured by a security interest in the vehicle, but Westlake failed to disclose essential terms, including : Proceeds from the security interest Westlake 's actions have allegedly violated multiple Universal Commercial Code ( UCC ) provisions : 1. UCC 5-109 : Failure to disclose material facts 2. UCC 3-403 : Unauthorized signature 3. UCC 9-104 : Failure to inform debtor of disposition of funds 4. UCC 9-315 : Proceeds and supporting obligations Westlake 's actions constitute concealment, as they intentionally or unintentionally failed to disclose material information and Breach of Contract.

Due to Westlake 's breach, I have rights in the collateral or the power to transfer rights.

This transaction qualifies as a " consumer transaction '' under UCC 9-102, as an individual incurred an obligation primarily for personal purposes. 

Immediately cease and desist from any further actions related to Account XXXX. Provide documentation correcting the violations within 10 days. Acknowledge receipt of this demand within 5 days NOTICE OF ACKNOWLEDGMENT Pursuant to UCC 1-202f Notice ; Knowledge. You are hereby notified that upon the receipt of the documents herein and of this notice, acknowledgement has been made.
Product: Student loan

Nelnet illegally capitalized interest on my loan and is ignoring my requests to rectify the situation. I have been in the same IBR plan for several years. Nelnet demanded I recertify with them separately, even though I already recertified through studentaid.gov for my other loan with another servicer. The deadline to request recertification was XX/XX/23. I could not recertify for Nelnet on studentaid.gov, because I already had for 2023. So I called Nelnet and they said to upload a self-certified income document, which I did XX/XX/23. Then they sent me an IDR application and I submitted the application and uploaded the documents to their upload portal on XX/XX/23, as instructed by their customer service agent. Then in XXXX they wanted another application. So I emailed it this time. Then on XX/XX/23 Nelnet capitalized about {$2200.00} in accrued interest. But they should not have done it because I never entered deferment or ended/changed my plan. 

Then I asked them on the phone why they capitalized, which took 2 hours on hold! They said it did not happen. But I have the statements to prove they did it. Then I emailed them several weeks ago and got no response. 

Nelnet should reverse the capitalization of accrued interest because I never entered deferment or ended my plan. Any delay in processing my recertification was their fault. And they need to get more customer service. 2 hours for a call is unacceptable. And nobody at Nelnet responds to emails. They purposely make it impossible to get information or get things resolved. Super shady.
Product: Debt collection

XXXX XXXX, V, XXXX filled a case against me through XXXX XXXX XXXX XXXX XXXX ( XXXX, KY ) in XXXX and I just received a summons from the sheriffs department on XX/XX/XXXX, threatening to serve me at home or my place of work. All information they presented is very inconsistent with the paperwork I have dating from XXXX and send to the debt consolidation company ( XXXX XXXX ) in XXXX, which was when the debt occurred. In summary, there was XXXX different account numbers with XXXX different amounts. Also, there is nothing reflecting in any of my XXXX credit bureaus for this collection agency, XXXX XXXX credit agency OR JC Penny Synchrony Bank. Timeline is as follows : On XX/XX/XXXX a letter was written to me from Synchrony Bank stating the card ending in XXXX was sold to XXXX XXXX XXXX. XXXX, FL Amount is XXXX. Stated it sold on XX/XX/XXXX. 
XXXX of limitations is 5 years. This would put max collections at XXXX, if I am tracking correctly. 
This was sent to XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX received email from XXXX stating debt for XXXX XXXX ( JCP ) was added to plan. 
Letter received from XXXX XXXX  XXXX on XX/XX/XXXX sold to XXXX XXXX  jumping to XXXX and ending in XXXX. A copy of this letter was sent to XXXX on XX/XX/XXXX. 
Received letter from XXXX XXXX XXXX on XX/XX/XXXX to pick up documents, which I did on XX/XX/XXXX. Documents reflect old statement balances from XXXX of XXXX with account ending in XXXX. 

XXXX letters/statements : Different Account # XXXX and Different amounts XXXX XXXX Acct. XXXX {$690.00} XXXX XXXX Acct. XXXX {$820.00} JC Penny XXXX XXXX XX/XX/XXXX Acct. XXXX XXXX {$780.00}
Product: Debt collection

I contacted Progressive Management Systems on XXXX XXXX XXXX XXXX. I spoke with XXXX. I explained to XXXX that I was trying to make a payment online and they had my account blocked from making a payment ( no explanation given as to why it was blocked ). XXXX stated I owed {$1400.00} as of XX/XX/year>. I advised her that I wanted to make a payment on the account. She asked if I had a credit card to make the full payment and I advised that I did not have a credit card to make the full amount and wanted to pay {$58.00}. She stated that she could not do just {$58.00} and began giving me options on what amount they would accept from me for payment. She offered me to make payments of {$250.00} per month, which I could not do. She then offered me to make payments of {$150.00} a month beginning XX/XX/year>, which I agreed to as she did not give me any other options to pay a lesser amount or to settle for a lesser amount. I made a payment of {$57.00} with my XXXX card. Leaving the balance of {$1300.00}. I asked her would she be reporting the payment made to the credit bureaus as it is impacting my credit and showing 30 days late, and she advised that they do not report to the credit bureaus. She advised that when they are contacted by the credit bureaus all they advise is if the account is settled or not and that it and it would remain on my credit. I asked her " how would that be accurate if I am paying, and you are not advising that the debt is being paid, which is going to show past due when in fact it is not in a past due status. She advised she could note the account to be removed from my credit report as long as it remained in good standing, and she would also note that no additional interest be tacked on as long as the payments of {$150.00} are made each month. She asked if I wanted to do auto pay and I advised her I didn't and would call in and make the payments. 

I want this account removed from my credit report with all bureaus as discussed. I did not receive any information on my right to dispute this debt or to settle for a lesser amount. The bill I received dated XX/XX/year> " Note see XXXX XXXX for Important Information '', there is a blank page with no additional information on the reverse side of the notification they sent me. I was advised the account would be removed as long as it stayed in good standing, the account is in good standing to date. She accepted my payment, and they are engaging in deceptive reporting by not reporting the correct balance owed for the debt and that the account is not past due. Additionally, I asked for an itemized statement of this debt several times to which I still have not received per my request. I have only received their collection notices. 

I have every intention to pay the debt, but I will continue to pursue this matter until the it has been removed from my credit report with all credit bureaus.
Product: Credit reporting or other personal consumer reports

I spoke to a Rep at XXXX, XXXX, TRANSUNION and I also sent in my documents in reference to a BANKRUPTCY appearing on my Credit Report several times. Nothing has been changed on my Credit Report as of today XX/XX/2024
Product: Checking or savings account

Ive been telling bank of america that the person collecting my money from XXXX is a fraud in ca. I live XXXX  XXXX missouri.for al.ost a year they still continue to allow XXXX XXXX to steal my funds. Ive made policereports. no help shes stolen over XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by Experian/XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. No phone number given. Letter sent to the company XX/XX/XXXX requesting why they obtained my credit report. The company has not responded. I do not recognize Experian/XXXX.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 card or prepaid card

I received a XXXX XXXX XXXX in the mail on XX/XX/18. I did not apply for this card, and the card that I received was not promotional - it is a legitamite prepaid debit card. 

It was mailed directly to my home address, and the pamphlet encourages me to sign up for direct deposit with XXXXXXXX XXXX, and includes a routing and account number. 

I have never heard of XXXXXXXX XXXX and again, I did not apply for this card. I am concerned about why this was sent to me, this companys actions, and how to fix this. 

Warm regards
Product: Debt collection

I need to dispute the account. This is not a bill that I owe. This bill is not accurate. It was reported inaccurately. This has been previously confirmed with the original creditor that it is not accurate. You have reported it inaccurately.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX has violated my rights. 

XX/XX/XXXXXXXX XXXX XXXX, has violated my rights. 

XX/XX/XXXXXXXX BANKXX/XX/XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, has violated my rights. 

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 an account without my written instructions. 

15 U. S. C.. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report any of the following items of information : any 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

THIS COMPANY HAS UPPED MY APR TO ( 31.24 % ) when I first received the card it already had a high APR of ( 21-24 % ). Capital One has now raised it to 31 % and I HAVE DONE NOTHING WRONG WITH THIS CARD. This " bank ' needs to be reported for all of its actions that are against bank polices!! and this has to be one of them!
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 Subject : Formal Dispute of Inaccurate Credit Report Information Dear Credit Bureau Representative I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit profile. Per my rights under 16 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), I am requesting an immediate investigation and removal of the erroneous information. 

The specific inaccurate information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$7300.00} Under 16 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ), upon being notified of a dispute, the credit bureau must investigate the accuracy of the reported information and correct any inaccuracies in a timely manner.

I have attached copies of relevant documents ( e.g., statements, proof of payment, identity verification documents ) to support my claim. Please remove or correct the inaccurate information immediately and provide written confirmation of the corrections. If the disputed information can not be verified, I expect it to be deleted in accordance with the FCRA.

Please respond to my request within the legally required timeframe. If this matter is not resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

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

Sincerely, XXXX XXXX