23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, Subject : Formal Complaint Against TitleMax for Harassment and Potential FDCPA Violation I am writing to formally lodge a complaint against TitleMax due to their recent actions which I believe violate the Fair Debt Collection Practices Act ( FDCPA ). After initially reporting TitleMax to the CFPB for charging exorbitantly high additional rates, I have begun receiving multiple pieces of mail from them each day. 

The excessive and repetitive mailing, which began shortly after my initial complaint, seems to be a form of harassment and retaliation for my previous actions. This persistent contact is causing me considerable distress and XXXX, and I believe it is intended to intimidate and pressure me unfairly. I am also awaiting important pieces of mail via paper and email regarding my daughters XXXX XXXX enrollment, and XXXX benefits. Due to the excessive amount of mail I am receiving daily from TitleMax, I have already missed a important outreach via email and I am worried that more these critical documents may be overlooked or lost by the mail carrier. 

This volume of correspondence is unreasonable and I believe it is in violation of the FDCPA 's provisions against harassment and unfair practices. 

I request the CFPB please investigate this matter and take appropriate action to ensure that TitleMax ceases these harassing practices. Additionally, I would appreciate guidance on any further steps I should take to protect myself from such behavior. 

Enclosed are copies of the correspondence I have received from TitleMax as evidence of this harassment. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$7300.00} ; XXXX  XXXX XXXX Owed : {$3000.00} ; XXXX  XXXX Balance XXXX : {$1700.00} ; XXXX XXXX Balance Owed XXXX {$3400.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$210.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX BANK XXXX, XXXX XXXX XXXX  SER XXXX
Product: Prepaid card

For a recall I get a prepaid card, I lost the card and when I found it was already 2 days expired, I call the company ( XXXX XXXX XXXXXXXX. 
If I would get a new card. It {$120.00} XXXX.They said it nothing to do it to late. I check my balance it show me all the money it there, just I need a new card. Please. 
The Prepaid XXXX  Cardholder Agreement said : The funds on the Card do not expired.Even though the Card may expired, the funds will still be made available to you after expiration ... .and so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my XXXX credit file and it was reinserted without my knowledge. The information still has not been validated or verified by XXXX, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company Portfolio Recovery Associates is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things XXXX, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.
Product: Checking or savings account

In reference to CFPB case # XXXX. 

My SSN is still being used incorrectly!!! 

When I call in and give my SSN, the XXXX XXXX accounts still show up. This is incorrectly entered. I volunteer for The Friend 's of XXXX XXXX XXXX just like I do with the XXXX XXXX XXXX that has accounts with BofA. I also volunteer with The Church of XXXX XXXX of XXXX XXXX as the Music XXXX in XXXX XXXX XXXX 

Does BofA know what an Irrevocable Trust is? 
It is in charge of it's own taxes and if it were to ever pay me, it has to report it to the franchise tax board and the IRS. Then, I have to report it on my own taxes. BofA doesn't choose how a business pays it's taxes and BofA must abide by this. 

When a Trust creates an account with a Bank, they automatically become a Trustee as well and must abide by the Trusts rules, regulations and laws that are internationally recognized. 

When BofA released the XXXX XXXX finances as mine to XXXX XXXX of XXXX XXXX, BofA BROKE THE TRUST!!! 

When I call BofA to check on the XXXX XXXX, it shouldn't come up when I use my SSN. The XXXX and XXXX are entered correctly and I know this because they don't come up when I use my SSN. 



Again, I am a tax professional with my own tax preparer identification number. I understand what Tax Identification number needs to be used and where it needs to be used at. 

Accounts ending in XXXX and XXXX are incorrectly using my SSN while accounts XXXX and XXXX are not incorrectly using my SSN.
Product: Credit reporting or other personal consumer reports

Today on XX/XX/year> I noticed my credit score went down by XXXX points on XXXX, due to missing an affirm payment for XXXX. Affirm never notified me that I was late or missed a payment- they have all of my information on file. I contacted Affirm, and they informed me that they never reported to XXXX that I made a late payment. I initiated a dispute with XXXX, but this should have not even appeared on my credit report. This account is improperly coded. It is currently coded as CFA, but it is a BUY NOW, PAY LATER ( BNPL ) account and is not meant to be factored in current scoring models, according to XXXX. 
I contacted XXXX, and they will not remove this from my credit report, and will have to " investigate the dispute ''.
Product: Vehicle loan or lease

been having a financial hardship since i been laid-off from my employment with the state of Texas as XXXX XXXX i spoken with my finance company after a month in a half to put my request in so i can get my loan due date moved to a later date for i can make full payments with no issues. my request was never fulfilled and i also notified the financial institution on behalf of my employment status. i was called more than XXXX a week by them weekly until i made a payment. on XXXX XXXX i made a payment in put in a financial hardship change request again to adjust my payments from the XXXX of the month to the XXXX. it was submitted by a customer service representative and i was told the request was submitted and someone was suppose to call me or email me. on XX/XX/year> i received a message about my payment being due. i called the bank and asked why my request wasn't submitted the team lead.. told me i needed to provide a reason ... .i specified to him that i already explained that to the representative that previously put the request in and nothing was done still. so i explained to him i feel this is unfair to my finances.
Product: Mortgage

Seven years ago, I contacted CCO mortgage to re-financed my XXXX mortgage when my personal business sales started to decline. However, after four years and multiple denials for re-financing, in early 2011, I reached a point that I could no longer pay either my XXXX or XXXX mortgages in full. I then applied for a loan modification, and was turned down yet again by CCO. In XXXX 2011, with the help of XXXX ( XXXX ), I successfully obtained a loan modification on my XXXX mortgage, so I immediately contacted CCO to request their assistance to modify my XXXX mortgage since my XXXX mortgage had been modified. CCO told me they could not modify the loan because they had made a decision to charge it off, and the mortgage was no longer active and unavailable for modification ; however, they still expected to receive payment of the loan. CCO said the charge-off would be reported only once to the credit bureaus and that it would not be a recurring delinquent report, but I would have to make provisions for me to re-pay the loan without interest under a new payment agreement. I met with a CCO Mortgage representative, and made a new agreement for a monthly re-payment amount, and began making payments to them. However, the recurring negative reports started immediately and when I disputed them, they not only refused to discontinue the negative them, but also added a cumulative delinquent amount, and information that implied that the loan still active ( when they told me it had been closed out ), but that I was " X amount '' delinquent in my payments, and that amount increased each month. So, I am now in a position, when I 'm repaying a loan under a new agreement, but it 's being reported delinquent under my old mortgage loan number. CCO apparently is trying to destroy my personal credit on an on-going basis, but it 's also destroying my ability to obtain business credit where I have to be personal guarantor. In fact, XXXX XXXX XXXX closed XXXX of my business credit card accounts after reading the negative information that CCO 's derogatory reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Request to remove inaccurate information from Credit report On or about XXXX of 2016 I was assessed an annual fee in the amount of XXXX to my XXXX  XXXX Credit card. First, I never told the card had an annual fee when I was solicited to apply. Therefore I didnt expect any charges as I was not using the card. 
I returned from vacation to find a past due notice for the account, as well as a 30-day late notice alert from the credit reporting agency. Knowing that I had been out of the country and hadnt use the card. I immediately called to XXXX XXXX to report this charge as fraud. 
Only then did I learn that an annual fee was assessed to the account and not paid. I explained that I was never told about an annual fee, and I had been out of the country and therefore, unaware and unable to pay any fee at the time of assessment. I requested that the late fee and 30-day late report be removed considering the circumstances. I was told to send in an explanation, and it would be reviewed. So, I did. This was in 2016. 
I was contacted bout 15 days later and told that the late fee and report to the credit bureau would be removed, however I still needed to pay the XXXX annual fee first. So, I paid it over the phone. The XXXX XXXX agent also suggested that they issue me a XXXX annual fee card, to prevent this from happening in the future, so we did that as well. Which I still have now. 
I was told it would take a up to 30 days for the credit items to be corrected on my credit report, but I was assured it would be taken care of. 
Now I see this error is back on my credit file. 

I recently contacted XXXX  XXXX again and they asked me to re-submit my request as the old request was lost. I was just notified that they would not be removing the error from my report because they see it as accurate, although they had agreed to remove it before in 2016 and took my payment. Otherwise, I would have just told them to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

due to being at mercy of negative, deceptive fraudulent charges that were not mine, but preventing from being approved for an apartment, I was forced to pay XXXX XXXX XXXX. 

Account is paid in full and closed, please adjust asap please on all 3 credit bureaus equifax XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE TRIED TO CONTACT XXXX XXXX XXXXXXXX .... REGARDING THIS ACCOUNT AND FILED A COMPLIANT WITH THE CFPB ABOUT THIS MATTER AND STILL HAVEN'T HEARD ANYTHING.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 21 days before the payment due date. 


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 card or prepaid card

I checked my credit report as I usually do and noticed a Home Depot credit card opened in my name, with a {$500.00} limit, and someone spent {$450.00} dollars on it in XXXX of 2022. They made a payment of {$31.00}. I came here to report it as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Unauthorized Charge of XXXX I am writing this letter to a follow up letter Citi Bank sent me on XX/XX/XXXX. I did not authorize XXXX to charge my credit card on XX/XX/XXXX ( on military business ). However, I authorized XXXX XXXX to charge my Citi Bank card for a much cheaper flight ( estimated cost of XXXX ) .If you check the date of the flights, you would understand that I had no need for two flights. While on the telephone with XXXX Customer Service Rep, I told him never mind, but evidently, he booked the flight without my consent. On numerous occasion I called trying to dispute these charges to no avail. While in dispute, I continue to make good faith payments. Further more, how can a person board two planes simultaneously. 
In closing, I am requesting that my money be credited back to my account because that transaction was unauthorized
Product: Debt collection

Enhanced Recovery Corporation for XXXX XXXX XXXX is charging {$150.00} and {$36.00} for a debt which is not mine. I dealt with both through letters and telephone calls. XXXX I provided documentation that proved that the account could not be mine. I worked with XXXX XXXX XXXX identity theft section and provided all the information and documentation they requested. 

These XXXX collection accounts are having a negative impact on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX  XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED ACCT XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # 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 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 or 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, credit repair services, or other personal consumer reports

I just found out today XX/XX/ that I have 3 hard inquiries on my report without my consent. All three were on XX/XX/ from the following companies ; Ally financial, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Pleas remove these hard inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that XXXX, Transunion and XXXX continue to list the dismissed bankruptcy as confirmed within my credit files. Although it is your policy to keep reporting bankruptcies that are filed, dismissed, or adjudicated for XXXX years, the Fair credit Reporting Act mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed XXXX never have been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section XXXX ( a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within XXXX calendar days from receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report
Product: Credit card or prepaid card

XX/XX/2020 Without warning, FNB of Omaha cancelled my credit card. They sent me a letter AFTER they had cancelled it, confirming that they did indeed have my correct address on file.