23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sent to Debt collector I am following up after receiving your letter. It does not show that they responded to my request for an itemization of debt. The original information they sent also did not have the actual debt amount, minus any credits attached. They did not provide me with accurate and required information/documentation. They sent me the collection notices on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, according to the picture XXXX provided of the email transactions. 

The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically. 

This information will help you recognize whether the debt is yours and, if not, how to dispute it. 

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt I responded on XX/XX/XXXX saying this is the first notice of anything owed. I need an itemized invoice of the damages youre claiming. 

I responded again on XX/XX/XXXX saying Again, I need an itemized invoice of the damages you are claiming. I asked this in response to the first email you sent me a few days ago. 

No itemization provided proving I owed debt, nor a way to dispute debt was proved within 30 days of me requesting debt validation. 

XXXX sent a itemization on XX/XX/XXXX, 8 months after I initially requested the information. 

I need validation of the them sending me debt validation within 30 days of my initial request. 
Said debt validation will need to show that it had the full amount owed, what was owed, minus any credits and all additional information requested above.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX ) 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 in ( MONTHS REPORTING LATE ) 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, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, 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

XX/XX/XXXX Subject : Formal Complaint Regarding Late Payment Inaccuracy XXXX XXXX  Account Dear CFPB, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments for my XXXX XXXX  account. The account details are as follows : Account Number : XXXX Account Type : Installment ( Auto Loan ) Account Status : Open Monthly Payment : {$260.00} Date Opened : XX/XX/XXXX Balance : {$6800.00} High Credit : {$7900.00} Last Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year Payment History Discrepancy : TransUnion reports XXXX XXXX payments for XX/XX/XXXX and XX/XX/XXXX, both of which are inaccurate. 
Despite my initial requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), TransUnion has failed to act, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Evidence of Errors and Violations FCRA Violations : Under 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer credit files. Reporting false late payments without verificati
on violates this requirement.

Per 15 U.S.C. 1666b, creditors must send periodic statements at least 21 days before the payment due date. No such evidence has been provided for XXXX XXXX. 
TILA Violations : The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) mandates accurate and timely disclosures. Reporting late payments inaccurately harms my credit profile and standing.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act ensures that creditors provide timely statements to avoid unfair penalties to consumers, which has not been upheld.

Desired Resolution Immediate removal of the inaccurate late payment notations from my TransUnion credit report. 
Written confirmation of these corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant agencies and pursuing legal action. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX of XXXX XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiry XX/XX/XXXX, XXXX  XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXXate of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX & XXXX XXXX  Date of inquiry XX/XX/XXXX,
Product: Credit reporting

Someone stole my personal information and identity and opened an unauthorized and fraudulent account with XXXX. The account or debt do not belong to me. The following unauthorized and fraudulent inquiries do not belong to me : XXXX, XXXX, XXXX and XXXX. I have been receiving harassing and threatening telephone calls and death threats from XXXX representatives for the unauthorized and fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America keep updating payment history to extend time the account remain on the credit file. Last payment was made XXXXXXXX XXXX. There reporting two payments on XXXX and XXXX of XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.
Product: Credit reporting or other personal consumer reports

I am writing to formally report retaliation by Columbia Debt Recovery aka Genesis Credit Management in response to my initial complaint filed against them. It appears that they have manipulated my credit balance negatively as a form of reprisal. This has also decreased my credit score. They claim they are working on this issue but clearly are not.

I urge the Consumer Financial Protection Bureau to investigate this matter promptly, as it not only undermines the accuracy of my credit report but also raises concerns about the fair treatment of consumers in this process. 

Attached, please find supporting documents for your reference. 

Also, this company has reported the same debt under different " doing business as '' ( DBA ) names on my credit reports. This practice creates confusion and inaccuracies, violating fair credit reporting rules. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this retaliation by Columbia Debt Recovery aka Genesis Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has allowed 6 inquiries on my credit report that I am disputing because they were not authorized. I did not receive calls from these companies even though I have a fraud alert on my credit profile. These inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In addition to that the Bankruptcy Chapter XXXX filed XX/XX/XXXX was discharged XX/XX/XXXX. This is public information and Experian still shows an active collect account from XXXX XXXX which is discharged. And from XXXX XXXX XXXX XXXX. 

Experian shows my community credit union opened XX/XX/XXXX. My credit score at that time was XXXX and I wouldnt have been able to obtain such a loan for {$22000.00} this account is fraudulent but other than that I included it in my bankruptcy and it was discharged XX/XX/XXXX my attorney already mailed this to the creditor which confirmed they arent reporting debt owed since it was discharged they advised my attorney it should reflect {$0.00} owed yet Experian says they verified I owe discharged debt? Very strange how you can go against the bankruptcy court laws.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES accordance with the Far 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 604 A Jection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 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 EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concern : On XX/XX/XXXX, I received the attached response ( " XXXX NJ Response XXXX '' ) from Shellpoint regarding my complaint that was filed and submitted to CFPB and the New Jersey XXXX XXXX XXXX XXXX XXXXXXXX ). The rebuttal date was XX/XX/XXXX. 

In the complaint was detailed information that highlighted the fact that Shellpoint Mortgage is knowingly overcharging my tax escrow account and assessing anticipated figures that are entirely incorrect. In their statement Shellpoint said the following : " Shellpoint completed an escrow analysis on XX/XX/XXXX, based on the anticipated hazard insurance payment of {$3400.00} and anticipated county tax installments of {$4900.00}, {$5100.00}, {$4800.00} and {$4900.00} ( totaling {$23000.00} for the upcoming yearly bills from XX/XX/XXXX to XX/XX/XXXX ). '' It should be noted that the alleged anticipated tax amount of {$23000.00} would represent an unprecedented 17.68 % increase over the previous year ( {$19000.00} ), which is undoubtedly incorrect. As explained in a letter from the City of XXXX  ( see attached " City Response Regarding Taxes '' ), this is not possible unless there was something done to change the assessed values. I've lived at this address from 17+ years and my assessed value has been pretty stagnant. As proof, the attached history ( see attached " XXXX XXXX XXXX_Tax History '' ) of my property over the past 7 years clearly shows the same assessed value since XXXX. Moreover, according to the city, the only way the assessed value can be changed is with a successful tax appeal, an improvement done to the parcel that would increase the value of the property determined by the Assessor, or a municipal wide revaluation ; none of which applies to my property. Therefore the alleged anticipated county taxes is completely made up and not justified in the city of XXXX. 

Per the attached ( see attached " XXXX XXXX XXXXCurrent Tax Bill '' ), which shows the actual tax bills for XXXX covering the last 4 quarters are as follows which totals {$19000.00}, an actual decrease of .11 % under the previous year : - {$4800.00} - {$4900.00} - {$4900.00} - {$5000.00} Based on these facts, I have been mis-billed by Shellpoint since XXXX of XXXX. In which case, i hereby request that a total of {$1100.00} ( $ XXXX since XXXX ) be returned to me immediately. 

cc : NJ Consumer Affairs Attorney General Office of NJ  Department of XXXX XXXX XXXX of NJ
Product: Credit card or prepaid card

XXXX  Bread Cashback Credit Card has NO, as in 0 employees available, online or employed in Customer Service. The website on login : This site cant be reachedThe webpage at https : XXXX? 

I'm afraid of having my records or interests under their care. 

I believe I've Activated this card, but can not verify even this.
Product: Debt collection

I am writing to express my extreme dissatisfaction with the inaccurate and incomplete credit information that is currently listed on my credit report. It is unacceptable that such errors have been allowed to appear on my credit report, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. I am demanding that you immediately remove the following items from my credit report : XXXX XXXX. I request that you provide proof of the alleged items, specifically the contract, note, or other instruments bearing my signature. If you fail to provide such evidence, the items must be promptly deleted from my credit report. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Service Mac for infringing upon my consumer rights. Service Mac has failed to provide me with the opportunity to opt-out before disclosing my personally identifiable financial information to XXXX  parties, including other financial institutions and consumer reporting agencies. This constitutes a violation of both my federal rights under the Gramm-Leach-Bliley Act ( GLBA ) and my state rights under the New Jersey XXXX XXXX XXXX ( XXXX ). Upon informing Service Mac that I did not consent to the sharing of my private information, they incorrectly claimed that they had the right to share my personally identifiable financial information as per their privacy policy and notice. However, these notices explicitly state that such information is instead subject to other federal privacy laws, such as the XXXX, and that for New Jersey residents, information will not be shared with non-affiliated XXXX  parties except as permitted by New Jersey law, such as for processing transactions or maintaining accounts. I have never signed any contract nor granted Service Mac permission to share or sell my nonpublic personal information or account details to another financial institution. I have requested a full accounting of this account, including specific documentary evidence signed by an accountant representative, to clarify the funding source and the actual amount owed. Despite this, Service Mac has failed to provide the requested accounting information and only sends me a copy of the Promissory Note, which itself contains multiple violations of the Truth in Lending Act ( TILA ). Furthermore, I have clearly specified in my most recent communication with Service Mac that all mail must be sent to a particular address, and any correspondence sent elsewhere will be considered an invasion of privacy and inconvenient. Despite this request, Service Mac persists in sending mail to an inconvenient address. Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). Service Mac is committing identity theft by sharing my personally identifiable financial information with XXXX  parties without my legally obtained consent in order to deprive me of my rights ( 18 USC 242 ) and to collect on extensions of credit through extortionate means ( 18 USC 894 ). Pursuant to the XXXX and XXXX, consumers must be provided with a reasonable opportunity to prohibit the disclosure of their nonpublic personal information before it occurs. I assert that Service Mac 's actions are an attempt to commit identity theft, deprive me of my rights, and extort payments. As such, the contract/Promissory Note is void and unenforceable, and I may be entitled to damages for violations of the FCRA, XXXX, Uniform Commercial Code ( UCC ) , contract law, and New Jersey consumer protection statutes.
Product: Credit reporting

I just pulled up some info XXXX and noticed a company called, XXXX that has me with a balance Of {$1100.00}, from 2011, I have no idea of such a debt, and believe this is definitely an error.Thank You I really do n't use computers enough to do all the upload requiring, sorry.
Product: Debt collection

Ask for my XXXX XXXX and it shows a company I C Systems collections as a collector. Have never hear about this company. The original creditor was XXXX XXXX XXXX ( Cable/ cellular ) and have never hear about that creditor either.
Product: Credit reporting or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. I would like proof of verified account as to signed contract with my signature the orifional, person that was there when i signed it. Transunion updated inaccurate accounts with not verifying under section 609 of FCRA. I reported items Fraud as to data breach with bureaus and other companies selling information. I also have an adult son with the same identical name as mine and can not be sure if he was not the ones opened accounts. It has been over 60 days and I have not been provided proof of validation of any of these accounts. XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXXXXXX XXXX  Account Number XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX Account Number XXXX, XXXXXXXX XXXX  Account Number XXXX XXXX Account Number XXXX, XXXX & XXXX XXXX XXXX account-XXXX XXXXXXXX XXXX account - XXXX Sincerely , XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an XXXX XXXX account on my credit report that is not mine or inaccurate due to labor trafficking and I have received a letter from the creditor saying that I dont or never had an account with the creditor i would like it removed immediately
Product: Mortgage

I called Mr. Cooper Loans on XX/XX/XXXX to get a loan modification and was told I had 30 days to fill out the paperwork unfortunately I didnt have the information needed to fill it out and work got in the way. I called them again XX/XX/XXXX and they told me my house was in foreclosure since XX/XX/XXXX and this was the first I heard about it. They told me my only option was to pay the total amount past due by XX/XX/XXXX and to call back Monday or Tuesday for an amount. I called back and they informed me that I must pay {$10000.00} to reinstate my loan by XX/XX/XXXX because my house would be auctioned off that day. I had received no notice from the VA or Mr. Cooper loans and have tried calling the VA and only gotten voicemail. I have a letter from Mr.Cooper Loans in my possession that doesnt state anything about a foreclosure and says a reinstatement amount due of {$9400.00} by XX/XX/XXXX with {$7400.00} as the past due amount and the rest additional fees they added. My Mortgage was originally through XXXX before Mr.Cooper Loans took over on XX/XX/XXXX. My payment amount with XXXX was {$690.00} dollars a month but Mr.Cooper increased the payments to {$750.00} a month. The first actually notice I received in writing about a foreclosure was from the VA on XX/XX/2022.
Product: Debt collection

my attorney sent a letter XX/XX/XXXX disputing the debt - the loans the company is calling me about are not mine.
Product: Credit reporting or other personal consumer reports

My account was closed on behalf of Sam 's Club request. 
Per 15 U.S.C SEC 1637 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 XXXX days before the payment due date. 
15 U.S.C SEC1637 Open end consumer credit plans ( b ) Statement required with each billing cycle The creditor of any account under an open end consumer credit plan shall transmit to the obligor, for each billing cycle at the end of which there is an outstanding balance in that account or with respect to which a finance charge is imposed, a statement setting forth each of the following items to the extent applicable :
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX : {$4600.00} Date Opened : XX/XX/2018