23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a judgement against me by Liberty Credit Services , Inc. They are located in XXXX XXXX, MN. The judgement is from XXXX against debt I owed to XXXX XXXX Bank. 
My story : I was married to a XXXX man. I am the XXXX. My ex-husband had me apply for several credit cards that he used at his discretion. I complied XXXX. The XXXX XXXX Bank was XXXX of them. My ex-husband is also a XXXX. It was n't long before he could no longer pay on this account. He left me stranded with the debt. The debt belongs to him. 
When I received the notice that Liberty was taking me to court, I should have gone and told my story. I was frozen in fear. I was still married at the time and my husband, who was gainfully employed, did nothing to help me or support me with the judgement. 
The judgement was approved for {$7500.00} I made contact with XXXX XXXX at LCSI and explained that I was in an XXXX marriage and trying to get out and that I would have the responsibility of XXXX young children. I payment plan of $ XXXX/month was agreed upon by XXXX parties. No interest was discussed or agreed to at this time. 
In XXXX of XXXX, I requested a payment history for my divorce proceedings. I received written notice of my monthly payments and a letter stating that I paid {$1000.00} on the principal amount of {$7500.00} and the remaining amount was {$6400.00}. 
I continued to make my $ XXXX/month payments. On XXXX XXXX of XXXX, I received notice that I had missed my XXXX payment which was payable by the XXXX. The letter indicated that my new balance was {$7900.00} ; I called XXXX XXXX on XXXX/XXXX/XXXX to notify him that I was no longer employed XXXX. I explained to him that I was struggling financially and that I was the sole support of my XXXX young children who were receiving Medical Assistance and Food stamps. I told him to look at my history to see that I have never missed a payment in five years but was really going downhill financially and needed a respite until I could get back on my feet. LCSI sent me an exemption notice. I completed their paperwork and returned it immediately by mail. 
On XXXX/XXXX/XXXX I checked my bank account and noticed that my entire bank account had been garnished. I called XXXX to find out why since I completed the necessary exemption paperwork and provided the proof required. He explained to me that they had thousands of accounts and there was no way they could keep up with everyone 's personal problems and who had what in their account. 
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.
Product: Mortgage

Planet Home Lending EVERY YEAR SOMETIMES EVERY XXXX  MONTHS sends letter they are adding insurance.My insurance company has been in business in XXXX FOR XXXX  YEARS the founder ran for comminisor of insurance in CALIFORNIA. Planet adds the insurance when they have the binder showing property is insured.I am uploading the proof .Sometimes they remove it, its a full time job to keep up with thier tactics.They even supply fax # and phone # that are XXXX.I had a pin number given to me that took me to another site they use to redirect consumer asking to get a copy of their account.I will supply that also.The insurance binder shows from year to year .Yet Planet sends letter in XXXX to say they are adding insurance, WHILE THE BINDER IN THEIR SYSTEM SHOW NOT FOR RENEWAL until XX/XX/2023 I gave you the proof in the uploaded file
Product: Credit reporting or other personal consumer reports

Subject : Violation of FCRA Sections 623 and 15 U.S.C. 1681 Dear CFPB, I am submitting this complaint regarding an account reported by XXXX related to my XXXX XXXX XXXX account. 

XXXX The information related to a late payment should not appear on my credit report due to violations of the Fair Credit Reporting Act ( FCRA ), including : 1. Violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : a. Failure to Ensure Maximum Possible Accuracy The furnisher of this information has an obligation under Section 623 ( a ) ( 1 ) ( B ) to ensure maximum possible accuracy in the information they provide. However, there is no evidence that they conducted a proper investigation or verified the legitimacy of this late payment as required by law.

b. Failure to Investigate Disputes Under Section 623 ( b ), when a dispute is raised, the furnisher is required to investigate and provide sufficient evidence to verify the information. To date, the furnisher has not provided original documentation ( such as signed agreements or proof of proper notice ).

2. Violation of 15 U.S.C. 1681 Exclusions : Per 15 U.S.C. 1681a ( b ), information that is solely related to transactions or experiences between the consumer and the creditor should not be shared in a consumer report.

Late payments, as a transactional experience, appear to fall under this exclusion and should not be reported to credit reporting agencies.

3. Request for Removal of the Late Payment This single late payment has significantly harmed my credit score, and I believe the furnisher did not follow proper procedures required by the FCRA. I request : 1. The removal of this late payment from my credit report due to the reasons outlined above.

2. The furnishers compliance with all duties under FCRA Sections 623 and 15 U.S.C. 1681.

If the furnisher can not provide signed original agreements or other verifiable documentation as required by law, the CFPB should require its removal.

Thank you for investigating this matter and ensuring fair practices for all consumers.

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX, XXXX XXXX  was XXXX  from my acct to unknown numbers. I called chase bank to let them know about this incident let them know I'm not sure how my acct was infiltrated. And I was told there was nothing they could do for me, because the money could not be returned
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND OUT SOMEONE WAS USING MY INFORMATION WITHOUT MY CONSENT .. I DID NOT OPEN OR PROFIT FROM THIS ACCOUNT .. PLEASE REMOVE ASAP thank you .. happy holidays
Product: Credit reporting or other personal consumer reports

I reached out to Experian multiple time ( XXXX ) and sent multiple letter ( XXXX ) in reference to removal of inaccuracies on my credit report that does not relate to any transactions I have made. In this complaint I attached a FTC report with these accounts and inquiries listed onto my credit report thats fraudulent reporting and negatively effecting my credit. It is evident that the delay in the resolution of my dispute goes against the consumer protection provisions outlined in the FCRA. This delay not only violates my rights as a consumer but also undermines the integrity and purpose of the dispute resolution process.I do not want any stall letters or automated verified as accurate responses sent to me.If Experian deem anything to be accurate or verified.I demand that Experian promptly conducts a thorough investigation into my dispute and provides me with a written explanation with the method used to verify any information and the description of procedure taken during the investigation. I request all written results within the legally mandated timeframe. Failure to do so will result in a violation of my rights under the FCRA, and I will have no choice but to take appropriate legal action to remedy this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation on my credit report from the XXXX, XXXX and EXPERIAN regarding possible fraud accounts on my credit report, and they have not sent me information on investigation status or accurately verified information regarding these accounts. I would like theses accounts removed if there is any incorrect or missing information as it is injuring me commercially. Per, The Fair Credit Reporting Act and 15 U.S.C Sec.1681i ( a ) if these accounts are not 100 percent accurate then I can have them removed.
Product: Credit card

Bank continues to charged interest on cash advances that have been paid off. 
Internet Payment Thank You {$290.00} Minimum due {$37.00} pd XXXX on CA XXXX now paid back XXXX/XXXX/XXXX Internet Payment Thank You {$280.00} Minimum due {$30.00} pd XXXX on CA. 

XXXX/XXXX/XXXX Internet Payment Thank You {$150.00} Minimum due {$36.00} pd back XXXX CA XXXX on CC balance These 3 payments were to cover my cash advance. All were well above my minimum payment due and extra should have been applied. The first CA was XXXX and paid back within 3 weeks.
Product: Payday loan, title loan, personal loan, or advance loan

Im receiving mutiplty callsXX/XX/XXXX-XX/XX/XXXX throughout the week daily One Main Financial regarding a personal loan that I have missed payments on regarding financial hardships that their away of is harassment at this point.Please close account
Product: Credit card or prepaid card

I have 2 accounts with Synchrony Bank. One was for a Rooms to go Card and one was for an Amazon Card. I fell behind on these accounts due to the illness of my father resulting in him moving in with me and my having to be his XXXXXXXX XXXXXXXX   and do his XXXX at home. He recently passed and I am trying to correct this. I contacted Synchrony bank and was told that they could not take a payment for the outstanding balance because they had sent me a 1099-C. Now I have to pay taxes on this amount and they refuse to update the status on my credit report. If they want to forgive the debt and not let me make it right, it is unfair that they continue to report a closed account with a balance which is affecting my overall credit utilization and my credit score and making us unable to qualify for a home loan. I am requesting that they either let me pay the debt back, or update the credit reporting to show a zero balance ( since the debt was forgiven and I have had to pay taxes on it. ) If they had sent it to a collections agency it would have been less harmful than this because it would have shown as a collection and not a continually negative item that is closed but still has a balance. It is unfair to continue to punish someone who has tried to correct and pay the balances IN FULL. I have sent goodwill letters, emailed the corporate secretary, tried to contact the COO of Synchrony Bank on XXXX. 

The Rooms to Go/Synchrony Bank : Account XXXX and had a balance of {$1000.00}. It is reporting as " Charged off as bad debt, dispute resolved, customer disagrees '' and was closed XX/XX/2014 Contact SYNCB/Rooms To Go : C/O : XXXX XXXX XXXX XXXX FL XXXX Phone XXXX. 

The Amazon/Synchrony account XXXX and has a balance of {$610.00}. Reporting as " Charged off as bad debt, dispute resolved, customer disagrees '' and was closed XX/XX/2014. Contact SYNCB/Amazon PLCC : XXXX XXXX XXXX XXXX FL XXXX Phone XXXX I am a XXXX  and XXXX XXXX   XXXX XXXX XXXX XXXX, my husband is a XXXX  and we do not deserve to be treated this way when we have tried to pay this in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 we applied for a mortgage. I noticed a collection on my credit report I've never seen before. I was told to contact the collection agency XXXX XXXX and consulting to verify what the collection was. I called the agency to ask for any information to prove I am the owner of the debt they are reporting. They stated there was no information to give me and nothing was sent stating they were attempting to collect. We haven't received any letters or phone calls. The company still hasn't sent any verifications or validations that I owe the debt. I disputed this debt three times with the Experian Credit Bureau. They stated it was confirmed by the Collection agency not by giving any form of paperwork where I signed or applied for the debt but by pressing a button on the computer stating it is mine. The credit bureaus states they do not require any of their customers to provide proof the debt is owed but that they agree to only report correct info. We filed a police report to have the matter investigated and sent the police report to Experian to have it removed. Experian has yet to remove this fraudulent info from credit report. This is definitely against the law and am lost on what to do next. The debt is fraudulent and Experian will not remove the debt from my report as they should per federal law. The debt appears to be from a hotel I've never visited in a state I've never been. Experian first stated to get a police report to have the info removed. Then I was told Saturday XX/XX/2018 to upload the email from the police department. Once the the email was uploaded twice I called back Monday XX/XX/2018 to have the collection removed. Now they're stating I need to file the report in Texas not California. I live in California why do I need to file a report in a state I do not live. CFPB please help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX..Is reporting on my credit report. I have no idea who they are and Experian is not helping me they are saying its a business account. I dont have no business and Also my business has nothing to do with my personal. This account is not mine shd Experian should bd held accountable for being useless. I want that company to prove that account belongs to me by showing my ID SS etc. I need help please. Thank you
Product: Credit reporting or other personal consumer reports

My account with 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 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 XXXX 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 XXXX 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 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX To Whom it may concern, Please be advised this is my XXXX  WRITTEN REQUEST : The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC 1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Accounts : XXXX XXXX # XXXX, XXXX XXXX, # XXXX, In addition, Delete all non-account holding inquiries over XXXX  days old. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX XXXX.
Product: Debt collection

I am writing in regards to the continued scam your company formerly know as XXXX XXXX XXXX agency is running With XXXX XXXX of XXXX XXXX XXXX. I will be reporting you to the Colorado attorney Generals office. This is harassment. I have more emails of proof I will be sending. People keep telling me this has been taken care of, those of which include XXXX XXXX Of XXXX XXXX where I lived for 6 years and paid for parking every month on time to XXXX XXXX of XXXX XXXX XXXX. Then XXXX XXXX of XXXX XXXX XXXX company, who said he was not allowed by law to respond via email but called me on XX/XX/2020 at XXXX, and also told me this will be taken care of and not reported to any collection agency. Below is an email correspondence with XXXX of XXXX XXXX, saying the parking violation in which I paid {$95.00} per month for almost 6 years was taken care of by XXXX XXXX of XXXX XXXX XXXX. I received a violation for not having my parking tag displayed. XXXX had stapled a paper over my parking tag for the month of XXXX, I never saw the parking tag hence why I did not have it displayed, ( first time in almost 6 years ) regardless I was paid in full for parking at my residence located at XXXX XXXX XXXX XXXX XXXX, co XXXX. Your agency now called agency of Credit control , inc. and the fact that XXXX of Agency of Credit Control , inc. couldnt tell me even what this is regarding, while I know what it is because this has been going on for way too long. How can a company send a letter requesting money from me when they have no idea what it is regarding? This is clearly trying to reopen cases, this is fraud. I ask that you stop harassing me immediately.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$9700.00} Late 150 Days XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed CITI XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Charged off XXXX in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. This is written to place a complaint on the bureaus that have respeated reported wrong accounts, unauthorized inquiries and identity theft incidents on my credit report. I wrote to them last month but these accounts are still in my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally raise a complaint regarding the negligence and non-compliance observed in my dispute investigations. It has come to my attention that EXPERIAN XXXX XXXX have been conducting sham investigations. 
As a result of this negligence and non-compliance, my credit score has been affected in a negative way. These actions are in direct violation of our agreement and have caused significant disruption and harm. 

I hereby request the following actions to be taken to address this issue : IMMEDIATE DELETION OF ALL INCORRECT ITEMS ON MY CREDIT REPORT I expect a prompt and satisfactory resolution to this matter. Please consider this letter as a formal notice of complaint and a request for remediation. I anticipate a response within 30 days. Should you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

The company has not paid my bonus interest. I supplied the form they have requested after not crediting my bonus in a timely manner and the bonus still has not been paid.
Product: Credit reporting or other personal consumer reports

I opened a credit card with Capital one in XXXX. The account shows delinquency that is over seven years that should not appear on my credit report. I also asked that the company provides statements from the beginning of the account, and they have failed to do so. I called on XX/XX/XXXX and spoke with a XXXX in the Special Collections Department and verified that this account was paid and it was still reflecting as open according to her records. She advised that I would not be able to get account information since account opening. I have in the last XXXX years requested that the derogatory information be removed since it has not been verified and validated as accurate. The company has not provided any account history and proof of the delinquent payments. The furnisher and credit reporting bureaus are still reflecting this on my credit report, even though the account is XXXX years old and paid. This is in clear violation of 15 USC1666b, 15 USC 1601, Engelhardt v. Gravens ( mo ) 281 SW 715.719, 1681s-2B of FCRA 15 USC 1681 et seq and Section 623 ( a ) ( 1 ) ( B ).