23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My account is paid in full, it was closed on XX/XX/XXXX with a balance of {$0.00}, on XX/XX/XXXX it had a balance of {$10000.00}, due to an accident the vehicle was totally lost, the insurance made a payment of {$7100.00} and the GAP coverage that was purchased and is in the terms of the signed financing contract is responsible for the difference of the pending balance of the financing and Additionally, your Loss Mitigation XXXX XXXX XXXX contacted me on XX/XX/XXXX to notify me that despite the insurance payment and GAP coverage, I still had an outstanding balance of {$800.00} and sent me an email with the address where I had to send the cashier 's check to be able to close my account with a {$0.00} balance, which was prepared on XX/XX/XXXX for {$800.00} and was sent to your facility and delivered on XX/XX/XXXX via XXXX tracking # XXXX I don't understand how 3 years after they closed my credit, they reopen my account on XX/XX/XXXX again with a negative balance of {$4800.00} damaging my credit and causing me great economic damage, after calling several times I was able to prove that they received, they cashed the check and updated the balance to {$3700.00}, which is a big mistake because if you add what the insurance paid {$7100.00} plus the GAP coverage that is in the loan contract and stipulated in the Annual APR, plus the {$800.00} that they are sent in a cashier 's check, I do not have any type of negative or pending balance with you, I need to solve this problem as soon as possible since he always fulfills all the responsibilities stipulated in the contract. 

I have communicated with INNOVATE LOAN on several occasions through phone calls and emails during these months every week without getting any response from them, they have to verify my account and read all the notes left by their specialists of all the calls that He specifically made the calls and notes from his Loss Mitigation XXXX XXXX XXXX, who was the one who contacted me and provided me with all the information to be able to close my account with a XXXX balance. 

Thanks to a complaint that I made through the CFPB website ( XXXX XXXX XXXX XXXX XXXX XXXX ) last year on XX/XX/XXXX I was able to have the company INNOVATE LOAN contact me on XX/XX/XXXX to inform me what they had done a error and they would remove all the wrong information from my credit report and email me clarifying this problem, then again this year on XX/XX/XXXX I receive a new notice from my credit notifying me that the company INNOVATE LOAN once again informs my credit that I have a negative balance owed of {$3700.00} with a comment of " COLLECTION / CHARGE when it is false information that causes me great economic damages since they have damaged my credit again with a new attempt to collect a debt already paid.
Product: Debt collection

I am writing to formally demand that you cease and desist all collection activities related to the alleged debt associated with my account. This demand is made pursuant to 15 U.S.C. 1692c ( c ), which states that a debt collector must cease communication with a consumer upon receiving a written request. 

In accordance with the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to request that you stop all further communication regarding this matter. Continued attempts to collect this alleged debt after this notice may result in legal action against you for violations under the FDCPA. 

Furthermore, I would like to draw your attention to relevant case law supporting my position. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court highlighted the importance of adherence to the FDCPA and the requirement for debt collectors to provide accurate information. The ruling emphasized that failure to comply can lead to liabilities for misrepresentation and harassment. 

Additionally, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), reinforces the consumer 's right to dispute debts and demand validation. The court made it clear that any continued attempts to collect a disputed debt can be considered harassment and a violation of consumer protection laws. 

Please be advised that failure to comply with this notice may result in further legal action. This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and The Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 

Thank you for your immediate attention to this matter, I expect written confirmation that you have received this ceased-and-desist demand and that you will comply with it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking them to remove the late payments on the attached accounts due to the passing of the Heroes Act. The accounts are still reporting late payment during the Covid-19 Pandemic.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX, TransUnion, and XXXX for their failure to remove old and outdated information from my credit reports. Despite multiple attempts to rectify the situation by providing accurate and up-to-date personal information, the credit reporting agencies have not taken the necessary steps to correct the errors. 

The inaccurate reporting of various addresses, employers, and phone numbers on my credit reports is not only misleading but also damaging to my creditworthiness. This misinformation could have serious consequences when dealing with potential lenders or employers who review my credit history. The presence of multiple incorrect addresses and employers creates a false impression of instability and unreliable financial behavior, which does not accurately reflect my true financial situation. 

I have enclosed supporting documents such as my Driver 's License, XXXX XXXX XXXX and a recent Utility Bill to verify my identity and provide evidence of the inaccuracies in my credit reports. Despite my repeated attempts to address these issues directly with the credit reporting agencies, the outdated information remains on my reports, affecting my financial standing. 

I kindly request the CFPB to investigate this matter and ensure that XXXX, TransUnion, and XXXX comply with the Fair Credit Reporting Act by promptly removing the incorrect and outdated information from my credit reports. Your intervention is crucial to safeguarding my rights as a consumer and ensuring the accuracy of the information used by creditors and employers to make important financial decisions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I need some help. I was the victim of identity theft a while ago. The thief has used my information to obtain credit under my name. I have fought this several times over the years. Recently there is an account on my credit report that I have never done business with. It is called XXXX. 

Last month I sent letters to the credit bureaus to fight this account as not being mine. I don't know what happened, but I never heard back from them. Everyone I know tells me I'm supposed to hear back from them in 30 days or this account is supposed to fall off my report. Its been more than 30 days. I want this account to fall off my report because its not mine. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax regarding its failure to maintain accurate credit reporting, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. 

This complaint pertains to an account reported by XXXX  XXXX, which has been inaccurately furnished as a collection account with a {$0.00} balance. XXXX  XXXX previously responded to my CFPB complaint ( XXXX ) by stating that I still owe a balance. However, they are reporting a {$0.00} balance to Equifax, which is contradictory and misleading. 

Furthermore, XXXX  XXXX directed me to contact Equifax directly regarding this inaccurate reporting. However, as a credit reporting agency, Equifax is legally responsible for ensuring the accuracy of the information it reports. You are required to conduct a reasonable reinvestigation under 15 U.S.C. 1681i when notified of a dispute. 

Additionally, this account is past the statute of limitations in Texas, meaning it should not continue to be reported in a manner that misleads lenders or negatively impacts my credit profile. 

I am demanding the immediate removal of this account from my credit report. Equifax has had ample time to investigate this matter, as I initially disputed this in XX/XX/year>. If this account is not removed within 14 days, I will pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o, seeking {$1000.00} per violation, as well as additional damages for the financial and emotional distress caused by this inaccurate reporting
Product: Money transfer, virtual currency, or money service

Two months ago ( XXXX XXXX ) I submitted a request to Grain 's support ( Ticket XXXX ) asking for helping changing my attached bank account as I was closing my XXXX XXXX account and did not want disruption in my Grain account relative to payments. No one ever got back to me on this ticket. In XX/XX/2022, I submitted a request to close the Grain account ( Ticket XXXX ). No one ever got back to me on this ticket.2 Weeks ago I submitted another ticket XXXX to close this account. A response was provided I needed to pay the balance ( {$360.00} ) in order to close the account. However I am not able to make a payment unless I connect to a new bank account which is not allowed online nor in app. It can only be accomplished by support tickets which remain ineffective. Today I see that I have been charged a late fee and additional interest due to missing the last payment. I have trying for over 2 months to pay this account in full. I want this late payment removed from all credit bureaus and I want to be able to pay the balance and close the account. I actually liked Grain. Its been very helpful in helping me build up my credit. However their customer service/support is inadequate. I very badly need to be able to pay this account off and close it and they are making this task impossible. I submitted 2 more tickets today ( XXXX and XXXX ) requesting assistance in linking to a new bank and closing this account. I will even mail in a cashier 's check. I just need to be able to close this account and it shouldn't take XXXX plus months to do it.
Product: Credit reporting or other personal consumer reports

XXXX To Whom It May Concern : Pursuant to : 15 USC 6802 15 USC 6805 16 CFR 313 16 CFR 433.2 16 CFR 433.3 15 USC 1681 inaccurate reporting As a fed protected consumer, I am opting out of any and all authorization the consumer may have given you written unwritten, verbal and nonverbal per 15 USC 6802.

I am rescinding authorization ; effective immediately and indefinitely.

Also ; It is illegal to report transaction history ; update to paid as agreed immediately ; 15 USC 6805.

The creditor has performed a violation of the collection laws of the United States found at 15 U.S.C. 16921692p The consumer, in reliance of the Codes and Regulations, as a federally protected consumer and debtor, believes that any statements then, now or in the morrow are simply billing errors presented by the creditor ( 12 C.F.R. 1026.13 ( a ) ).

Accordingly, 16 C.F.R. 433.3 does not exempt the creditor from any claims or defenses as described in 16 C.F.R. 433.2 ( a ). As the consumer has the right to invoke his/her rights as the debtor in this consumer credit contract against creditor for the unfair and deceptive trade practices stated herein as no contract after the date of XX/XX/1977, is exempt from 16 C.F.R. 433.3. 


Regards, XXXX, XXXX XXXX.
Product: Mortgage

XX/XX/XXXX we were having trouble keeping up on top of our bills and called Wells Fargo to see about applying for the Affordable Housing Mortgage. Because we were not behind on our payments at that time Wells Fargo instructed us to stop paying our mortgage and call back in 3 months to get the process started as we needed to be behind 3 months before they would help. We stopped paying our mortgage for 3 months and called again. They sent paperwork for me to complete and fax to them. I had faxed this information several times, in which they said the paperwork was old and that I needed to send this information again. This went on for months. In XXXX of XXXX Wells Fargo stated that we were not denied the modification and because we did not send in the paperwork they foreclosed on us. I saw in XXXX that Wells Fargo had been found to have illegally foreclosed on home owners and they had sent out money to those that had been impacted. Because I had not been contacted by them, I reached out to them and asked Wells Fargo for documentation. They have sent me documentation with very conflicting information. They say I was not in contact with them, but they have call records that state I was. They said they made several attempts to reach me regarding documents needed without success, however they have records again of me being contacted and receiving the information they needed on time. They state they have done nothing wrong, even though the paperwork says otherwise. I then saw that Wells Fargo again was made to pay people for wrong doing and again I have not been contacted by them. Please see attached documentation.
Product: Consumer Loan

Pay my car Insurance in Quality Acceptance company wants me to pay over {$1500.00} because they said they found no record of me paying my insurance also have made payments that some payments were missing and the amount is not what they told me it was at first
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a Flex Loan with Advance Financial with an initial credit limit of {$1700.00}. The interest rate is 279.5 %. ( Copy attached ) Due to timely payments on my part, my credit limit is now around {$4000.00}. 
I recently developed health problems with my XXXX and XXXX which are preventing me from working. 
I made reduced payment arrangements, but with every payment, the balance of the loan keeps growing, I sent a request to close the account and settle the account for a reduced payoff on XXXX XXXX, XXXX ( copy attached I received an email response back the same day. ( Copy attached ) I called today to check on the request and to verify that the payment was received from my arrangement, and found out that the request had not even been considered yet. 
The lady I talked to sent the request to management who turned it down cold, since We had already made and completed a payment arrangement in XXXX. 
They did allow me to set up another reduced payment, which I did.
Product: Vehicle loan or lease

The XXXX XXXX XXXX was reposesesed approximately XXXX weeks prior to today 's date.i enquired when the car was to be auctioned on approximately XX/XX/XXXX and was told the car would be auctioned on XX/XX/XXXX. On XX/XX/XXXX I contacted the auction facility and the car was already sold. Not allowing me to retrieve it, through either bankruptcy or back payment.After the auction I've been notified that I'm responsible for approx {$14000.00} Which is twice as much as what the car is worth.
Product: Vehicle loan or lease

Within the last four monthly payment cycles, the interest charged for my auto loan has varied up to 80 %. The first and second monthly payment were made on the same dates for the same amount and the interest charged increased 49 %. The third monthly payment increased an additional 24 % from the second monthly payment interest charged. The only thing customer service could tell me was that the interest charged varies month to month and could not provide an answer as to why the interest increased when the first and second payments were made the same day for the same amount when the principal balance obviously decreased. It would seem that Truist is charging can not be explained.
Product: Debt collection

On XX/XX/XXXX, yesterday, I noted a email from a collection agency saying I owed money to XXXX! I believe the amount was {$370.00}. 
I told them I have never I used XXXX I use XXXX for many yrs and XXXX XXXX! 
Never XXXX This morning I noted my credit score dropped XXXX points. 
I spoke to XXXX agent who has also started a claim regarding this! 
Please review soon and let me know the results! 
I am XXXX yrs old and I own my own business and have never used XXXX! 
I try very hard to keep a good credit report. 
Thank you for your help in getting this resolved! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections Consultants of CA incorrectly has listed 7-8 debts per credit bureau. Despite my certified letter to them dated XXXX/XXXX/XXXX, they have failed to validate the many debts and keep incorrectly reporting them to the three credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX  XXXX XXXXt # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Student loan

Aidvantage owes me a refumd check from loans that were taken out from the XXXX XXXX XXXX lawsuit. Ive yet to see any money.
Product: Credit reporting or other personal consumer reports

I've tried multiple times to correct with Truist Bank information on a mortage account i had under the Suntrust that became Truist Bank. Account was paid off long ago, current and yet it's still showing open and with missed payments that are completely incorrect. I've added the information from XXXX showing the account is paid off yet still showing opening.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX in XXXX  has deceptive billing practices. They hide charges and submit billing to collections without any balance owed showing on their online portal. I have screenshots showing I have no owed balance to this organization yet I am receiving notices of debt collection. The one picture that shows Pay as guest with a balance of {$25.00}, that is the only place where it shows a balance. When attempting to confirm with my account on their portal and website it shows no balance owed. I tried calling the organization to address this discrepancy but they were unresponsive.
Product: Credit reporting 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Checking or savings account

Hello, Thank you for your assistance. I have been denied access to funds in my Chase bank account for no reasonable reason. The bank has essentially frozen my checking account. Details are as follows. I am a medical student in XXXXXXXX XXXX but am from XXXX. My family came to XXXX  over the XXXX week and my younger brother, XXXX, and I proceeded with my father into the chase bank branch located on XXXX XXXX in XXXX on the XXXX of XXXX with the intention of depositing a check he had recieved from an insurance settlement. We met with the chase bank representative that day and presented our photo IDs ie state issued driver 's licenses and subsequently signed the back of the check in the presence of the bank representative who subsequently deposited the check into my account. He promptly told us upon depositing the check that there was going to be a XXXX business day hold placed on the check proceeds. We asked for the check back because we preferred to wait until we returned to XXXX  and simply deposit it at our bank in XXXX  but we were told the check could not be returned to us. We subsequently left the bank branch that day and I waited the XXXX business days and remarkably on the XXXX day I got a text alert from the, fraud dept. At Chase that my account was suspended due to the depositing of this fraudulent check! I immediately called the individual who wrote the check who is a lawyer XXXX XXXX XXXX, and she produced the cleared check which was paid on the same day that I deposited the check! The check was far from fraudulent and had cleared her account that day on the XXXX. I have called Chase bank XXXX XXXX XXXX and i am told they need to verify my brother via cell phone. I give them his phone number each day and they claim they can't reach him. This is outrageous. The lawyer who tendered the check has called as well. My funds have been defrauded by none other than CHASE bank and I simply want our funds. Thank you XXXX paid to business : XXXX