23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Notice for Proof of Claim Account : ABSOLUTE RESOLUTION INVESTMENTS LLC XXXX ToWhom it may Concern : This this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned orCollected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Payday loan

I fulfilled the agreement to repay loan in XXXX equal payments totaling XXXX. This was a payroll deduction agreement. Sir Finance continued to deduct payments for XXXX XXXX XXXX XXXX more pay periods after the obligation was fulfilled totaling {$460.00}. I contacted Sir Finance after noticing the error on XXXX/XXXX/16. I was assured they noticed the error and the refund check was mailed out on XXXX/XXXX/16. I followed up on Friday XXXX/XXXX/16 and was told to give it a few more days, but asked for my mailing address. This leads me to believe Sir Finance had no intention of refunding the overpayment difference and had I not pointed this out, never would have mentioned it. I paid XXXX in interest on a loan at 95.25 % interest. For them to steal another {$460.00} is unacceptable. I simply want what was overpaid to them or in all fairness pay me the same rate for using my money.
Product: Credit reporting or other personal consumer reports

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ). the open date. date last active is not accurate, balances, and last payment .Delete Account Immediately for violation of 15 USC 1681e ( b ). I am writing to dispute inaccurate information in my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. According to Section 1681i of the FCRA, you are required to conduct a reasonable investigation into my dispute and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. 
Creditor : world finance Account number:XX/XX/XXXX
Product: Debt collection

I saw a collection account on all three of my credit files. I was not familiar with the account with Credence Resource Management. I contacted the creditor to ask for the account to be validate as mine. The company agreed to send the validation. I am attaching the form they sent me. One page is the front of the document and the other page is the back of the document. You will see why I'm suspicious of this account. It doesn't seem legit. I contacted XXXX XXXX XXXX  the alleged original creditor. I was told that they could not find an account in my name. I contacted CRM a second time and asked for a signed contract from me. I was asked several questions for personal information, in which I refused to answer. I am a past fraud victim, and take all precautions to prevent becoming a victim again. I have not received any other information from this creditor. I disputed this account with the credit bureaus. It was removed from XXXX credit file, but remains on XXXX and XXXX credit file.
Product: Credit reporting or other personal consumer reports

I just viewed my credit report on XX/XX/2024 and I noticed theres some hard inquiries on my credit report that dont have permissible purpose according to the fair credit reporting act anything furnished on my consumers report must have permissible purpose according to 15 USC 1681B PLEASE DELETE ALL HARD INQUIRIES on my CREDIT REPORT THAT VIOLATES 15 USC 1681b.
Product: Credit reporting or other personal consumer reports

Sunday XXXX XXXX XXXX time XXXX XXXX submitted email regarding a debt from original company XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

This debt has XXXX other collection agencies and original company. 
XXXX agencies are not collecting on the same debt and multi reporting in the same debt affecting my credit score further more. 

My personal information was exposed and leaked under companies XXXX XXXX. 

XXXX companies reporting and collecting on this debt. In Violation of FCRA. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple collection agencies are collecting on the same debt, it could be a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that prohibits debt collectors from using unfair, deceptive, or abusive practices
Product: Mortgage

I was sick in XXXX and XXXX XXXX and could not pay my mortagage I make a complaint to cfpb XXXX XXXX XXXX case number XXXX and XXXX. SLS said that got there payment for XXXX and XXXX XXXX but I have made the XXXX payment this siad that Iam XXXX month behind in payment I have a statement from XXXX Bank where I paid XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against Experian for Failure to Resolve Issue Within 30 Days ( Complaint # XXXX ) To Whom It May Concern, I am formally escalating my complaint against Experian regarding its Boost program and failure to provide a resolution within the legally required timeframe. My original complaint ( # XXXX ) was submitted on XX/XX/year>, and Experian has failed to resolve the matter within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Experians response was a generic acknowledgment that they are still working on the issue, which is a clear attempt to sidestep compliance with the 30-day rule. Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), consumer reporting agencies are required to complete their investigation and provide a final determination within 30 daysnot simply acknowledge the issue and defer a resolution. 

Instead of rectifying the problem, Experian provided a long-winded response explaining the functionality of Experian Boost and its scoring limitations, none of which address the actual issue : My rent payments are not being properly categorized under Experian Boost despite clear documentation that they are recurring and from the same entity. 
Experian failed to acknowledge or correct this reporting inconsistency, even after my repeated complaints. 
Their response appears to be a stalling tactic rather than a legitimate investigation or resolution, which violates consumer protection laws. 
I am requesting that the CFPB take immediate action to : Hold Experian accountable for violating the 30-day resolution requirement and ensure they provide a final determination immediately. 
Investigate Experians failure to properly report rent payments under the Boost program, which is misleading consumers into believing their payments will help their credit when Experian refuses to recognize them. 
Determine if Experian is engaging in a pattern of non-compliance by delaying legitimate disputes without proper resolution. 
Experian has had ample time to investigate this issue, and their failure to provide a resolution is unacceptable. I urge the CFPB to enforce compliance and prevent Experian from using vague, noncommittal responses to evade their legal responsibilities. 

Please confirm receipt of this letter and provide an update on next steps. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three bureaus are reporting an account that was under litigation and that was 100 % settled and a nonsuit with prejudice was filled with the court. Documents attached, still the credit bureaus are reporting as charge off with a balance of {$850.00}. We have contacted XXXX  and they requested me to complaint and dispute the accounts with the bureaus which we did but this did not work and I see the account reported. This is illegal and in case they don't take action and remove the account I will have to sue the three  buraus. This is not Right!. 
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 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 mailed SEVERAL letters to resolve the FOLLOWING ISSUES to ALL CREDIT BUREAUS. All bureaus FAILED to resolve these issues. 

*Reporting the wrong information my EXACT NAME & ADDRESS that appears on my driver 's license. any other names and address are non-mailable & or do Not exist. 
* Reporting Employer information that i Clearly wrote a letter to inform that i DO NOT want my employment information exposed on my credit reports. Credit Bureaus still have it exposed. 
* Reporting over 100 inaccurate discrepancies ALL OVER MY REPORTS. ALL Credit Scores are different. ALL Balances and overpayments or different. 
*Reporting Student Loans information without mu knowledge and consent. Violating the Family Educational Act *Reporting 2 Bankruptcies that i have a letter from the XXXX XXXX House XXXX that the DID NOT give ANY BUREAUS consent nor I GAVE any Consent or no knowledge or sign any consent from Bankruptcy to report on my reports. VIOLATING LAWS AND MY RIGHTS AS A CONSUMER *Reporting 4 charge offs that violating laws. these companies knowingly and willingly reporting charge offs that HAD BEEN PAID AND DO NOT EXSIST according to the laws i attached below. 

THIS HAS CAUSED ME TO BECOME XXXX STRESSED LOST MONEY HIGH INTREST RATES THAT IS NOT NECESSARY. I CAN NOT GET ANY TYPE OF REMEDY TO PUSH FORWARD IN LIFE. IT HAS NOT BEEN FAIR TO ME AND MY FAMILY. AND AGAIN, VIOLATING LAWS AND MY RIGHTS! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore exists. 

I ATTACH A NOTE ON THE LAWS THA ARE BEING VIOLATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Apartments own by XXXX XXXX in XXXX XXXX XXXX debt to XXXX XXXX XXXX, I have disputed this information with equifax and provided them with the photos showing the dates of NO Damage in the apartment when I moved out. No one at the company will correct this error that is hurting my credit nor is the credit reporting agency looking at my proof. 
They just updated the information that I disputed. 
Where is there proof all they showed was my lease and the invoice they made up which is lies. I am sick of Companies having the upper hand when we have solid proof. 
Please have equifax and the remainder of these reporting agency update this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My experian credit report is showing that there was a missed payment on my federal student loan 11 times in 2017. My federal student loans were consolidated and transferred to a new servicer at that time, automatically, not at my request and there was never a payment missed.
Product: Credit card

I made a payment on various occasions during month of XXXX. I was under the impression that after I made the first payment for the month of XXXX Id be able to apply the subsequent payment for XXXX. However this payment wasn't applied by Amex and I got an exaggerated late fee for XXXX. I never have issues with them and they always respond quickly and take off my late fee. I spoke to an agent in XXXX through the chat and this time they said I had a history and wouldn't wave the predatory fee. I asked to speak to a supervisor and they refused until I repeated myself 3 times. In adition they also charge the annual fee upfront instead of breaking it down into comprehensive monthly payments. I get charged {$100.00} dollars aka 10 % of my XXXX credit limit a year. This is in addition to the 26 % Then someone comes on the chat and states they are supervisor but I have no proof of this. They said in aq patronizing tone that " I shouldnt have a credit card if i dont understand fees. And the agent reitarated that They wont remove it even if the XXXX president tells them to. This is a predatory charge.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXX/XX/XXXXXXXX, GA XXXXXX/XX/XXXX XXXX, GA XXXXXX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXXBalance Owed : {$0.00}XX/XX/XXXX XXXX Balance XXXX : {$520.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXX) XXXX Balance Owed : {$850.00} ( Original Creditor : XX/XX/XXXX ) XXXX Balance Owed : {$240.00} ( Original Creditor :XX/XX/XXXX ) XXXX Balance Owed : {$50.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this BrandSource credit card account now three times and was told that the information was accurate, however, this account is a fraud. I do not know what BrandSource is and what was bought on this account and when. I disputed the accounts with the credit card company in XX/XX/XXXX as well as XX/XX/XXXX after I was told they believed it was accurate because it was being paid off. I even attempted to ask for the contact information on the address and they would also not give me that. I then went to dispute the account through XXXX, XXXX, and XXXX  and BrandSource in XX/XX/XXXX and they provided the bureaus with the same information stating that since the account has been open since XXXX and being paid that they will not follow through with the dispute. Again, I did not and never opened an account with them. They send me emails about the account and I can not even open to see information on the account because I do not have access to whatever email and password are on the account. The only reason they started sending me emails and paper mail is because I gave them my actual email and address when I filed the complaint the first time.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX
Product: Checking or savings account

A deposit in the amount of {$2300.00} on XX/XX/XXXX was made to a Wells Fargo Bank Stand Alone ATM on XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX Two checks in the amount of {$69.00} and {$2200.00} were a part of this transaction. 

The ATM miscalculated the deposit, and I was credited {$91.00}, instead of the full {$2300.00}. Wells Fargo was immediately notified, and the representative was dismissive of the events I described. The customer service representative took no details for the claim and stated that the machine will be serviced as soon as possible. 

Claim # XXXX was opened, and no provisional credits were issued. Today, XX/XX/XXXX, I followed up regarding the claim, only to be told by the ATM division of Wells Fargo Bank that since there were no details obtained at the original phone call that it would take an additional 10 business days to investigate and return the difference of {$2200.00} back to my account. 

I contacted an escalated complaint division of Wells Fargo Bank, and spoke with a gentleman named XXXX, only to be dismissed once again and told that I needed to wait 5-10 business days to have the matter investigated and my money returned. XXXX provided me with the following complaint number : XXXX Additionally, I contacted the executive office as well as the Claims Department to see if there was any way to rectify this matter expeditiously. Both departments were dismissive and refused to take responsibility or provide any assistance to correct their errors. 

I am in the process of relocating my business. This money was earmarked for an essential piece of equipment required to reopen my dental practice. If this is not immediately resolved, Wells Fargo will paralyze my business and cause financial harm as a result of an ATM machine that was not properly working,
Product: Credit reporting or other personal consumer reports

The rescission language in TILA, 15 U.S.C. 1635. I looked over the document you provided, and I did not see or sign any rescind documents allowing you to report to anyone. That is the document I requested. They sent the information about my purchasing the vehicle. When I sent the 2nd request to Capital One Auto Finance, they stated it was duplicated. How can it be a duplication, when you never responded correctly the first time? So, I am sending it again for the 3rd time, and I hope this time it will reach a desk that can read and comprehend English. I like the 3 disclosure copies I signed to give Capital One Auto Financepermission to report to the consumer reporting agencies.
Product: Credit card or prepaid card

Serve allows you to pull funds from your debit card that is linked to a separate checking account as long as it has been verified by the company. I processed a {$100.00} transfer from my debit card to my serve account on XX/XX/2019 and in doing this my bank placed a hold on the funds so that the merchant ( Serve ) could have the funds available and collect them. Serve did not collect the {$100.00} that was on hold after 5 days so my bank released the hold. Serve then processed the transaction 13 days after on XX/XX/2019 and withdrew the {$100.00} causing my account to go negative and causing me to incur NSF fees from my bank and 3 credit card companies due to the payments being returned amounting to multiple fees. I spoke to serve and they said that they process all transactions within 10 calendar days and this was processed outside of the 10 calendar days  according to my bank. I have requested that serve cover the NSF fees and they have refused to do so even though them requesting the funds 13 days later cause my account to be charged insurmountable fees.
Product: Mortgage

Ditech decided to pay our property taxes in full in order to get the 2 % discount. Our escrow was set up for quarterly payments. We found out what they did when we got our yearly escrow estimator. At first when I called, they said the town only sent them the lump sum amount. The town and XXXX both said that was not true which forced Ditech to admit it was their decision. We are asking them to go back to quarterly payments for 2020 and they are refusing. Lump sum would have been fine if the escrow account had been set up that way originally but it was not. We did not authorize this change and we do not care about saving the 2 %, it saves us less than {$100.00}. This is our money paying our taxes.