23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I recieved a reminder for a payment and informed them that it was an incorrect date. I also asked for an extension on the payment due to not being able to pay on the date. I have worked with this company before and an extension was not an issue. This person stating that it wouldn't be able to be extended even after I explained it would cause a charge. They refused to assist and stated that they would still process the payment. They then stated after it didnt go through they would contact me. On the reminder email it says call if there is a concern paying and they still refused to assist.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023 I requested documentation to establish a clear legal or equitable right to make a claim on account they are reporting on my consumer report and requesting claim for acct XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, PennyMac Holdings XXXX XXXX This isn't the first or 2nd time, that the request for these documents from these corporations and they keeps reporting improper on my consumer report
Product: Debt collection

It is from XXXX XXXX. About a XXXX XXXX XXXX and XXXX account. Several months ago and again today, my daughter forwarded me a voicemail she received from them about my account. She also said that my ex-husband 's ex-wife had asked received a call from them about my XXXX XXXX XXXX account! 
The same day I also received a similar voicemail. It is very menacing Man by the name of XXXX XXXX, and said he were sending someone over to my home or my place of employment between XXXX and XXXX XXXX and I " better be there with a government ID ready to sign papers. '' The message also had a phone number and account reference for me to call so I did and they told me to verify last word is my Social Security number, which I at first didn't want to but finally did. This is how I learned then they represent as a third-party collection for XXXX XXXX. 
I contacted XXXX XXXX last year and asked for a payment arrangement, since I had become XXXX, and my income is severely limited, and Landlord had told me he was selling my unit and I had to move in the next 60 days, and I had no prospects or idea where I was going to be living. But I told them I want to pay my bills, and I wanted to make an arrangement to pay soon. Instead, XXXX XXXX actually advised me not to pay it, but to instead look for housing, and they also told me that my income is protected since it is Social Security XXXX. I asked them not to call myself or anyone related to ever again. They went through their databases, ostensibly, and said they must have looked at whatever XXXX XXXX XXXX accounts had my same last name and called everyone with the same message. They said they would no longer do those practices with me. 
I have all the menacing and threatening voicemails which I and my daughter received stored and saved.
Product: Mortgage

On XX/XX/19, I received a letter from XXXX XXXX XXXX informing me that they were transferring my HELOC to a new company called Specialized Loan Servicing LLC ( SLS ) as of XX/XX/19. I was not behind or late with any payments, in fact, I was paying an extra $ XXXX and the payment was due on the XXXX and I would mail it on or around the XXXX. To date ( XX/XX/19 ) I have NEVER received anything in the mail from the new company. 
On XX/XX/19, I called Specialized Loan Servicing asking where my statement was that was due XX/XX/XXXX. I was told that because they just got my loan turned over to them, and they have 60 DAYS to process it, I would have to wait until XX/XX/XXXX and make a double payment PLUS pay the extra interest accruing. They also told me that XXXX had sent me a statement for them. XXXX had sent the statement but it had XXXX 's acct # on it and their address. So I asked the guy to give me the new loan number and confirmed their address was the one XXXX had provided in their letter. I hung up & wrote the check, included the XXXX remittance with the NEW acct number on it & the check, and mailed it to SLS the next day. 
So now it's a month later, XX/XX/19 and and I STILL have NO STATEMENT - or any other contact - so I can pay SLS. I called them today ( XX/XX/19 ) & spoke to XXXX XXXX # XXXX. I asked her if they had mailed my XXXX statement yet because I still didn't have it. XXXX told me they COULDN'T mail me a statement because my loan is a HELOC. " So? '' I replied. " We can't tell you what your payment is every month, you have to call in and ask so we can tell you what it is at that minute and then make the payment right then and there over the phone. '' SERIOUSLY?!?!?! I've had 3 HELOCs over the past 25 yrs and ALWAYS gotten a monthly statement. I argued with her for another 5 mins asking over and over for a statement and she also told me that they have 60 DAYS to get my account up & running. I finally gave up and hung up. 
My letter from XXXX dated XX/XX/19 said SLS would 'send a letter in the next FEW wks with my new acct #, pymt address. ' The letter also said SLS would 'support my account needs, including STATEMENTS, billing, payment processing ... ... ' I also didn't have my statement from XXXX XXXX for my home owner 's insurance due XX/XX/19. So I called them yesterday and was told that it was sent to Specialized Loan Servicing per their request since they are my new MORTGAGE COMPANY. Since when is a HELOC loan responsible for paying home owners ins since there is no escrow acct and I still have a 1st mortgage? SLS couldn't contact me but they did contact my ins co. 
I don't know who this 'fly-by-night ' company is but they need to be shut down. They have no idea what they are doing and shame on XXXX for contracting with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Transunion and sent certified letter to remove unauthorized inquiries
Product: Debt collection

Every day, at least 3 to 4 times per day, Portfolio Recovery calls me at work with " spoofed '' numbers made to look local. I don't even live in Missouri anymore, yet all of the numbers come from around where I grew up. Sometimes the caller ID will show the number as originating from outside the United States. I've answered and requested at least twice for the company to send me documentation in the mail and to stop calling me. They have done neither. Because I now live in a different time zone, the calls also come in before XXXX and after XXXX local time periodically.
Product: Checking or savings account

Overdraft fees since Corona virus and temporary loss of job. 
2 Over Draft Fees on XX/XX/20. One was paid when I called. 
2 ODF 's on XX/XX/20. One was paid as well. 
This bank has a history of charging overdraft fees. How can they kerpbtaking from people when there is no money in the account especially in times like we are in now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX {$3200.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$980.00} XXXX XXXX XXXXXXXX XXXX XXXX {$71.00} I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

I have been a victim of identity theft for several years and I recently contacted the Ohio Department of Education to have my information ceased sharing with any third party company. 

I have also filed a claim against XXXX  for the most recent data breach in which I was impacted and can be seen by my attachment. They sent me a response stating they do not disclose my information to third parties for marketing purposes, however I specifically asked to stop sharing all information regarding my account to third party vendors including by not limited to XXXX, XXXX, and XXXX  and was denied. 

My accounts are continuously being violated and all entities are soliciting me for paid services to " protect my identity '' although it has already been stolen and continues to be used for fraudulent accounts or applications that I did not authorize. 

I have used the security freeze option and fraud alerts that they provide however, when I am applying for any credit and have those things lifted. I am immediately hacked with someone verifying my information with the knowledge of my student loan history as a verification method. I would like to have a relationship solely with the Ohio Department of Education without them continuing to supply my account history, status or anything of the like with non-government entities such as XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX membership was cancelled properly WITH notice due to a move. According to that specific Gym 's policy moving outside the supported radius with sufficient notice was all that was required. That was done correct & the Gym itself was in agreement. 

However the account was incorrectly placed in collections & the collection agency refused to abide by those guidelines. This should NOT be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! 
I have listed all details below XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX XXXX  # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries.

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.

The accounts below have violated my rights. 

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

15 U.S.C 1681 section 604A Section 2 ; It also states a consumer reporting agency can not furnish a acconunt 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the accounts below :
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

Kingston Marketing LLC a company I never heard of contacted me through a automated system leaving voice messages on my cell phone on today XXXX XXXX XXXX. I received these cell phone calls of a collection scam department leaving me a bill from my account and last XXXX digit of social being scammed by this Company customer service team at their LLC phone number XXXX. The lady transferred me to a Manager who caught the lie of the worker saying this Company have a 2011 payday loan in my name. They brought up I owed XXXX XXXX and XXXX XXXX so their Manager said Kingston XXXX will be taken off file I disputed but I just told this Company their scamming me so I need this Complaint documented I do n't know how many Companies do this but I have been scammed and had to pay collection companies that I do n't know about and a affidavit did not help me recover thousand of dollars I had to pay just to not be harassed but after this Company I am explaining got my personal information through the Government I need to send it over to Consumer Finance which is this Company to get rid of this Company having my Government and telephone information on their recorded line. They stated my information I did not provide it so I can only get this Complain in so it stop today this year not next week.
Product: Vehicle loan or lease

I purchased a XXXX XXXX in XX/XX/XXXX and paid on it until till XX/XX/XXXX. I ran into financial trouble and voluntarily let the car go back. the loan company prestige financial has sent me a summons for the amount of {$17000.00} dollars when I bought it for XXXX. It was repo in XX/XX/XXXX and sold to auction and the acct closed and charged off since XX/XX/XXXX. They are reporting this to XXXX late and failed to pay when I don't have this car, XXXX and XXXX has removed this charged off debt, They cant charge me or continue to report on my credit for something that was sold to auction, XXXX XXXX from prestige and XXXX XXXX have harassed my jobs and family. I cant afford a lawyer for harassment therefore I am sending complaint. This needs to be removed asap.
Product: Debt collection

This debt collector engaged in threatening deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
Please remove account as soon as you can.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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. 


XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Assistance in Resolving XXXX XXXX  ( Debt Bondage ) Case To Whom this may Concern, I hope this letter finds you well. We are writing to you on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on Trafficking in Persons ( see attached Confirmation of Authorization ), I am writing to inform you that the XXXX XXXX  has verified and determined XXXX XXXX is a victim of a severe form of trafficking in persons under 22 U.S.C. {$7100.00} ( 11 ) or sex trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX is a dedicated organization committed to advocating for the rights and welfare of individuals who have been affected by human trafficking, debt bondage. We have come across a pressing case that we believe warrants your attention and expertise. 
As part of our mission, we have been working closely with individuals who have faced the harrowing experience of human trafficking of debt bondage, a grave violation of human rights and a form of modern-day slavery. Our goal is to provide support and advocacy for victims, as well as to raise awareness about the issue and collaborate with relevant stakeholders to eradicate this abhorrent practice. 
In the course of our work, we have encountered a situation where an individual 's credit report reflects an outstanding debt that we strongly suspect is connected to a case of debt bondage. The circumstances surrounding this debt raise serious ethical and legal concerns, as it may involve fraudulent or coercive practices that have led to an unjust and burdensome financial obligation. We request you to help by blocking and deleting any account that is attached to XXXX XXXX credit profile negatively. 
Thank you for considering our request for assistance. We look forward to the opportunity to work collaboratively on this important issue. Please contact me anytime. 


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

It has been tiring disputing these fraudulent items on my Credit File since the Credit Bureas have never even cared about my disputes. I have been disputing the fraudulent items from my Credit Report for a long time while informing them that I am a victim of Identity Theft. The last letter I sent to the Credit Bureaus was on XX/XX/2022, urging the Credit Bureaus to remove these items that were opened due to the theft of my Identity. It is also as clear as daylight that the Credit Bureaus have been negligence of the FCRA section 605b and continued reporting unverified and fraudulent information on my Credit File! Is it that troublesome for the Credit Bureaus to take a look and investigate my Credit File? Despite the multiple written requests for them to investigate and remove these items, they have done nothing to correct my Credit Report! How many letters do I have to send to the Credit Bureaus for them to actually do their job? Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. The following accounts and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately : XXXX XXXX XXXX XXXX Balance {$11000.00} ; XXXX XXXX XXXX XXXX  Balance {$3300.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.