23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 

Concerning : Account numbers : XXXX I asked you to authenticate my debt in accordance with the Fair Debt Collection Practices Act, but all you sent me was an itemized list of the alleged sums. This violates FTC debt validation requirements. 

In XXXX XXXX XXXX, the Indiana XXXX XXXX XXXX ruled : 1692g ( b ) ( emphasis added ). XXXX ' attorney XXXX sent XXXX a letter on XX/XX/XXXX, 19 days after XXXX 's debt collection letter, saying XXXX " disputes your debt collection-related claims, rejects them, and requires strict proof and verification. '' XXXX. After receiving the letter, XXXX should have halted debt collection. XXXX violated 15 U.S.C. 1692g by securing a default judgment against XXXX before mailing her proof ( b ). 

XXXX argues no FDCPA violation happened because he " gave sufficient documentation of the debt [ to XXXX ] '' XXXX Response XXXX argues that an attached copy of XXXX ' consumer credit contract with XXXX XXXX is sufficient proof of the obligation under 15 U.S.C. 1692g ( b ). Nope. 

The contract lacks debt proof. The publication reveals XXXX ' loan, including the 17.99 % yearly interest rate and {$2500.00} total amount. The loan agreement contains no record of XXXX ' payments, the dates of those payments, the accrued interest, or any late penalties after she ceased making the mandatory installments. 
When XXXX sent the debt collection notification, the outstanding contract total was {$350.00} more than the original loan amount. XXXX violated 15 U.S.C. 1692g ( b ) by failing to get a default judgment against XXXX after XXXX contested the obligation but before XXXX mailed XXXX documentation of the debt. The trial court 's summary decision for XXXX is reversed. 

My credit report still shows this collection action. You've broken the FCPDA and face fines of {$1000.00} plus actual damages and attorney 's fees, which I can recover in small claims court. The potential damage from these collections on my credit report is thousands of dollars. 

Publishing incorrect information to major credit bureaus may constitute character defamation, as the negative marks on my credit report degrade my credit and prevent me from enjoying excellent credit 's benefits. The FCRA forbids erroneous information on my credit report. If you don't erase this account from my credit record promptly, you'll be fined {$1000.00}. Your legal team will certainly agree that failing to comply could put your company in legal trouble with the FTC and other organizations. 

I intend to proceed with the lawsuit if I do not hear from you within fifteen days. I really anticipate hearing from you. 

XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I had added on to a previous loan I had with them and they changed my payment date. I called to have it switched back to the previous date and was assured that it was taken care of. They then took payment from me earlier than agreed upon. When I called to reverse it Iwas told that they would submit a refund and bill me on the correct date and that never happened.
Product: Mortgage

I made contact with Quicken Loans regarding a potential mortgage ... ..they provide no way to unsubscribe from their email distribution list. Also, even when you are emphatic that you do not want any of their services, they will not stop calling you on the phone. 
I would never recommend this company to anyone, they are a nuisance.
Product: Mortgage

I am having difficulty getting Bank of America to move forward with an approved short sale and would like to file a complaint. House was put up for short sale and we received an offer of {$390000.00} and submitted to the lender on XXXX/XXXX/2015. Received an FHA Approval to Participate dated XXXX/XXXX/2015. It calls for a list price of {$380000.00} and a minimum net proceed amount of {$330000.00}. Current net to lender is $ XXXX, which is {$27000.00} more than what the lender requires. The attorney we have hired to handle the short sale has been calling and e-mailing the lender daily for the past three weeks and the responses have been sporadic at best. Messages left for supervisors at Bank of America do not get returned. We feel as though the lender delay is a result of bad faith negotiation on their part.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Reviewing my credit report, I found several accounts that I believe were added without my knowledge or approval. I request these accounts be removed immediately.
Product: Debt collection

On XXXX-XXXX-14, when I was only XXXX, an account was opened with XXXX XXXX. The account was sent in to PINNACLE LLC C/O RESURGENT CAPITAL SERVICES for collection for an amount of {$380.00}. At this time I was not even of legal age and nevertheless had no idea of how to apply for credit of any kind. I am positive that I did not open this account. I did not even have a cell phone at the time. I have tried to contact the company but I can not get in touch with anyone who can help me.
Product: Credit reporting or other personal consumer reports

I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I originally took a loan from XXXX  in XXXX. I have been under extreme stress due to debit and looked online for loans. I got XXXX and then received hundreds of text emails for other loans. I did not read the contract which was my fault, but there was no payment schedule, or anything showing how much a payment would be. I did an " advance '' for XXXX on XX/XX/XXXX. Netcredit took a large fee upfront on the amount. I am not sure why it was done in XXXX increments, but it was. So, XXXX was for {$XXXX}, and I got a deposit for {$XXXX}, and the second was {$XXXX} and I got {$XXXX}. So that is {$XXXX} upfront to them, and I am not really sure what that was for. The amount was deposited into my back on XX/XX/XXXX. On XXXX I went online to pay the entire balance off. The amount due at that time was XXXX. I applied that amount and paid it off. They did not run this until XXXX and then it was for XXXX. I did reach out and let them know I did not authorize this amount, and they said it changed after I applied the payment. I have had to reloan with them again due to other issues like taking too much money from my account by other payday loans. I have since though researched them and I realize they XXXX not be authorized to charge me fees upfront in XXXX, they probably should not have taken more from my account, and I should know the payment amount upfront. I can login and see a minimum payment estimator, but I have no idea what this is. It says portion of cash advance balance, statement fee which is {$XXXX} twice a month. I have no idea how to even figure out this will cost me in the long run. It shows on the calculator payments until XX/XX/XXXX, and I am talking about every pay period for me since I am paid semi-monthly. I do not know what to do. I also read that CFPB has had multiple cases against them ( XXXX ) I read that in XXXX they were banned from offering certain types of loans, and they had violated prior law enforcement orders. I am curious if this is a legal loan?
Product: Mortgage

The lender has refused to postpone sale while actively reviewing this file for loss mitigation options which is a violation of Reg X/RESPA guidelines and Dual Tracking. the lender is also not allowing for an appeal period after the decision is made regarding the review - if denied.
Product: Credit reporting

My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was XXXX I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a dispute to Equifax over a month ago regarding closed accounts on my credit report I asked that they remove them because these accounts have been removed due to bankruptcy. Instead of removing the accounts they took it upon themselves to enter other information without my knowledge or authorization. I didn't ask them to update information, I asked them to remove it because they where not removing the accounts per the bankruptcy. 
Then they made the statement that these accounts will be removed in 10 years? According to the FCRA creditors can only stay on a credit report 7 years per date of closing or per date of last payment. Some of these accounts been closed for 3 years and they changed the date of closing to XX/XX/2019. 

Here is the link for the credit report that was sent to me from Equifax regarding my credit report. 

XXXX XXXX XXXXXXXX   XXXX & XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX   & XXXX
Product: Money transfer, virtual currency, or money service

I have tried to send XXXX dollars to a friend for an XXXX using Venmo. Venmo is holding my money now going on 2 weeks. I have tried emailing them for more information and all I get is generic responses. they told me they are working with the other party to obtain the information needed. I have asked for what I did wrong, details of why they are allowed to hold the money. I asked for them to cancel the transaction and send me my money back I get no response. I asked for a supervisor no one contacted me. My money is being tied up with out any rational or explanation. this is wrong and inhumane. Thank you for all your help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed for bankruptcy in XXXX i was discharged in XXXX i asked all credit reporting agencies to remove as its been 9 years. i haven't gotten a response from any of them and its been over a year since i asked
Product: Credit reporting or other personal consumer reports

recently I did an investigation on my credit report and found several items on there to be inaccurate. 
under 15 U.S Code1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
U.S Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
please remove the following items from my credit report immediately. 
( 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: Student loan

In XXXX I filed bankruptcy after my husband and I separated. PHEAA claimed they were awarded a judgment against me while I was in bankruptcy however I never received notification and neither did my lawyer. In XXXX XXXX, I started contacting my student loan servers as advised by my lawyer once my bankruptcy was discharged. I was advised by PHEAA that I was I default and would have to go through a 9 month program. I advised the individual that I was recently discharged at which it had not been 30 days yet so how could I be in default already. I requested information about notification of this default in which he gave an address that was a year old. My lawyers updated my phone and address information once my bankruptcy began. The notification of default was sent a month after my bankruptcy was filed. I agreed to sign up for the program, faxed over my paperwork and then told it could take up to 6 weeks for approval. On XXXX XXXX a month later I was approved. I was told to go ahead and make my first payment and my direct debit would be in place for the payments going forward. Since then I have talked to XXXX other representatives because my direct debit was never set up. Today I received a report of default on my credit from PHEAA. They are closed of course and I am sure this is because no direct debit from them has processed through my account. This is tremendously disheartening I feel like they are intentionally doing this to ruin my credit and garnish my paycheck. I wish there was another way to make my payments through anyone but PHEAA and XXXX they are the worse with customer service. XXXX is even more difficult because everytime I talk to someone there I 'm told something totally different. I wish the retail market never crashed back in XXXX. I would enough income by now to pay them off
Product: Vehicle loan or lease

I bought a car from XXXX XXXX XXXX that was financed by credit acceptance. They have charged me 22.99 % interest and double the car price.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Discover Bank has violated my rights by reporting a late payment on XX/XX/2022. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b, a creditor may not treat a payment on a credit card account under an open end account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, thank you for addressing my concerns. I have tried my best to correct errors on my credit report, through certified mails, they say they have done one thing, yet they are doing the opposite. Everything they are doing is not in conjunction with one another reports when they say they verified. For example XXXX stated they verified accounts of my student loans the same time that TransUnion verified. TransUnion deleted all of those accounts, at least they sent me proof, I checked today and they are still present on my report ( proof will be attached that they said they deleted ). XXXX stated they verified the accounts are correct, I sent them proof of TransUnion results, they still have not deleted and therefore by one verifying and deleting, that makes the other dishonest. Also, I provided a Hippa Violation of a Collection agency that sent me information on my treatment without a HIPPA release attached, direct HIPPA violation, I sent to both, nether have remove. Please can you seek corrections of these credit reporting agencies, they are destroying my life. My credit report was a XXXX, XXXX and with the same items, every payment of mines paid on time, nothing late, and now I was just dropped XXXX points today, but before then even more cause my score is now a XXXX, a total destruction of me accomplishing anything. It time to pursue other actions against these reporting Bureaus so for starters again, I am coming to your organization for help. Some of the documented proof is attached, so very much, wanted to send something to have as a reference.These credit reporting agencies sadly to say is targeting certain cultures to ensure they accomplish nothing. I have perfect paying records and according to what they are reporting with the scores they say the computers are giving is as if I pay nothing on time, all my Credit cards are on time, my car payments, my student loans has never been late and is current. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

That, i am a natural person. i am a living human being, spirit. i have rights under USC 1681 ; That, XXXX is governed by 15 USC Section 1681 and they violated my rights numerous of times ; That, I demand the accounts listed below be remove because according to 15 USC Section 1681, I have the right to privacy and I did not give XXXX written permission to furnish these accounts ; That, In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas Office of Atty General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Equifax Only ) That XXXX 15 USC Section 1681 Section 602A states that I have the right to privacy ; That, 15 USC Section 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written [ expressed consent ] instructions ; That, 15 USC Section 1681c ( a ) ( 5 ) states that 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 antedates the report by more than seven years ; That, 15 USC Section 1681s-2 ( A ) ( 1 ) states that 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 ; Affiant further sayeth not. 

XXXX XXXX XXXX Authorized Representative for XXXX XXXX
Product: Checking or savings account

My information was leaked and the check was defrauded. After that, I reported the fraud. The staff of Bank of America told me that I could open a new account to solve the problem of information leakage, so I went offline to close the old account and opened a new account a week ago. However, I received a message on XX/XX/XXXX that the new checking account and the old one were closed together, and I was told that I could not open and use any debit accounts in the Bank of America. When the two accounts were closed, I still had nearly XXXX dollars in my account.