23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. Below are the lists of the erroneous accounts reporting on my Credit Report : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} PORTFOLIO RC ( Original Creditor : XXXX CXXXX XXXX XXXX  ) XXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Global Lending services and I sent in a dispute via XXXX to have them updated my account to current as it showed 3 late payments and I asked them to send me proof and the methods used to prove the late payments. The results came back and It had my account reporting 60 days past due when in fact my account is closed and paid in full since XXXX of 2021. I have attached pictures
Product: Consumer Loan

I 've been having on-going issues with my automobile lender, Condor Capital. My primary issue of concern, is that the auto company took my loan off of my credit report while I was still making payments. Although I 've made monthly payments, it always appeared that I carried a balance, which in turn additional penalties and interest applied. So regardless of my monthly payment, I was always behind. Although I purchased my vehicle in 2012 for {$15000.00}, I still have a balance of over {$13000.00} after four years. There 's something terribly wrong here. Also, my car was repossessed this morning. I have n't received a phone call, an email, a letter in the mail - only to pay the bill, which I disputed because I had issues with the payments posting incorrectly. I can not understand how a company can operate under such pretenses.
Product: Debt collection

On XX/XX/2021 I received many phone calls to my cell phone from The General Revenue Corp. I was finally able to answer one call and reached XXXX ( I am not sure if that is the correct spelling of her name ) ; however, she is a collector and I advised her that my phone number ( XXXX ) had been dialed two times to her and I speaking and that it was a violation of the FDCPA. I advised that the times that I was called were XXXX, XXXX, and then at the time that I was speaking with her which was at XXXX. She became combative and defensive and made me seem as if I was a liar. I advised that I would be able to supply proof of it and requested to speak with a supervisor. I was transferred to a senior representative that has manager capabilities. He did not provide his name when asked but he did provide the complaint numbers of XXXX and also XXXX. I was able to leave a message on both. Neither the senior representative or the initial person ( XXXX ) verified my information either. I advised to place my number on the XXXX ( do not call ) list. I left a message at the complaint numbers but there has not been any response on this. I felt as if I was being harassed because the calls were coming in constantly from this agency while I was at and it affected my ability to be productive.
Product: Debt collection

Company has selectively provided and omitted specific information on an alleged debt. 
They have listed alleged debt on my credit reports and have not provided me with documentation required by law. 

The Debt Buyer is not familiar with Virginia law, the state that governs my original agreement.Debt Buyer must provide original agreement or provide affidavit attesting to lost or destroyed agreement. XXXX Virginia Midland has dumped a patchwork of documents trying to prove a bill of sale from creditor to debt buyer. There is nothing that specifically references my account in a bill of sale. The bill of sale is deficient and is just a portfolio of random debt that Midland purchased at different dates. One document here is a certificate of conformity related to the state of NY that has absolutely nothing to do with my account. 

I have requested multiple times the original contract between XXXX and myself as it is my legal right. They either do not have this information or refuse to give it to me. Instead they send robo signed affidavits with debt sales from XXXX files that preceded my alleged default with Creditor. Again, I demand Proof that the buyer actually purchased this specific account ; and The terms and conditions of the sale of the account. In Midland 's attached response documents, they list affidavits. Do these people who have sworn affidavits have personal knowledge of the facts of my account if they can not locate the original contract?

Debt Buyer also claims the statute of limitations will not expire until XX/XX/XXXX. The debt buyer is again providing inaccurate information to me and on my credit reports. The statute of limitations starts tickingon the date of the last activity of the original credit account and not the datea debt buyer arbitrarily chooses.

Debt Buyer has a history of flagrant violations of consumers rights and has been successfully sued multiple times by the CFPB for millions of dollars. In XXXX, Midland was found guilty of violating the Fair Debt Collection Practices Act and the Consumer Financial Protection Act by suing consumers without proper documentation, attempting to collect on debts that were too old, and failing to provide consumers with legally required disclosures. That same year, the company was sued by 42 states and the District of Columbia for engaging in illegal debt collection practices, such as filing lawsuits without proper documentation and attempting to collect on debts that were too old. Midland paid a {$6.00} XXXX settlement to resolve that lawsuit. 
In XXXX, the company paid {$12.00} XXXX to resolve allegations made by the Commonwealth of Massachusetts that it had engaged in deceptive and unfair debt collection practices, such as filing lawsuits against consumers without proper documentation, collecting on time-barred debts, and harassing consumers with excessive phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : there is a claim that i am currently late which is inaccurate. 
They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : American Honda finance acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX  XXXX XXXX claims im XXXX as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late XXXX days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 


2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : American Honda finance acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX  XXXX XXXX claims im XXXX as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late XXXX days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Product: Credit reporting or other personal consumer reports

PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and surpress from sharing ANY information about me : XXXX XXXX . 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Company keep purchasing flood insurance under my account but I have my own flood insurance. I have provided multiple times over the past 6 months proof of insurance and every 2 months they re purchase flood insurance for my account and drain my escrow money increasing my mortgage payments. 
They do cancel the policies after multiple calls but after 2 months they do the same thing and purchase another flood insurance. 
This has happened XXXX times in the last XXXX months
Product: Vehicle loan or lease

In XX/XX/year>, my contract hours were reduced to XXXX hours due to budget constraints before the contract ended on XX/XX/year>. Since then, I've managed to make monthly payments of {$550.00} every month up until XX/XX/year>. Truist offered a XXXX time per XXXX  months XXXX month deferrment not expecting my to pass in XX/XX/year>. I've made numerous attempts with Truist to assist with the monthly by requesting an additional deferrment or a plan that would not negatively affect my credit. I is no secret the job market especially in my field as an XXXX XXXX XXXX the unemployment rate is high and continue to increase. Truist bank an other lenders would prefer that you default and ruin your credit instead of proactively working with me to prevent any negative long-term effects on my credit. Today, like any random day, I called Truist at XXXX and sat on the phone for almost an hour before call was disconnected. I used the chat feature and kept getting disconnected. I was able to connect with XXXX who instructed me to contact collections and provided the following information : " That phone number is XXXX and they are available XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX. '' I called before XXXX XXXX XXXX and their office was closed. 

I called again and spoke to someone stating that I need to it again tomorrow, but my account is XXXX  days past due. I can not make the payment, I have no income, and my unemployment is depleted. Truist is unwilling to assist and provide a solution that will not affect my credit.
Product: Debt collection

Attempted to request information on debt they claim I owe from the collection agency working for Synchrony Bank. Nothing received that validates debt! Synchrony Bank has now motioned a law suit against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the attached information to all three credit bureaus and nothing has changed. 

The report states the original charge off was {$5000.00} and High Balance {$1000.00}. 
When actually it was {$10000.00} initial loan.The credit report further shows that no payment was received after XX/XX/XXXX, my attachments clearly disprove that. 

I took out a loan with XXXX XXXX for {$10000.00} on XX/XX/XXXX. I paid it every month at the bank until I went into the bank XX/XX/XXXX and was informed that I didn't have a loan. The teller said it was not in her system, I called Mississippi to the corporate office as I was told. Finally, I was called back and told don't worry about it we will just take your collateral ; I explained I didn't put up any collateral I had good credit. I was referred to XXXX XXXX in Louisiana and he set up a payment plan of {$300.00} a month XX/XX/XXXX which was paid through XX/XX/XXXX until I received a XXXX Cancellation of Debt. The credit reports. reflects no payment was made after XX/XX/XXXX. On XX/XX/XXXX a process server put a citation of service in my Mothers door. XXXX XXXX was suing me for {$3500.00}, I hired an attorney XXXX XXXX, the claim was settled for {$3000.00} ( check copy attached ) Section 2 of settlement documents states it was paid in full. On the credit reports it still reflects incorrect information. I have disputed multiple times and sent copies of my documentation. It is still reflected as an adverse account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

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

I mailed a goodwill letter on XX/XX/18 regarding XX/XX/2018 late payment status. I was having financial hardship due to being admitted into an in-patient hospital for a month and losing my job. They mailed me a letter on XX/XX/18 stating they aren't willing to help me out. This is keeping me from getting a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is a fraud. Their investigation was a sham and did not correct my credit report. They fraudulently closed the investigation XX/XX/XXXX without accurate results that my XXXX XXXX balance was XXXX. When I called, all XXXX  answered the phone and could barely speak XXXX. In retaliation for complaining, they closed the dispute and refused to correct the report. The manager was arrogant and rude and not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed disputes on XXXX, XX/XX/20, with XXXX  and on XXXX/XXXX/202 with Experian and XXXX  in regards to the inaccurate information being reported across all 3 beaus which have caused my scores to decrease for months. I've reported several times but the results were said to be accurate. some accounts were charged off on my credit report but yet it's was still being reported as open and past due. one account is XXXX  XXXX which is reported as past due for {$490.00} but it's in Collection. Another is for {$1000.00} with XXXX XXXX but had been charged off but was yet being reported as past due. another is XXXX XXXX reporting inaccurate info across 3 bureaus posting an {$470.00} account as in collection on one beau but reoprting the same account on other beaus as closed.
Product: Credit card or prepaid card

In XXXX I used Discover to put a deposit on a vacation rental in the Florida keys for my family to stay in XXXX, the remainder was paid in cash. There were problems with the home from the start, dogs on property even though not pet friendly, construction work happening before 8am, but we tried to make the most of it. Second to last night termites were crawling in the beds and completely took over a bedroom, we contacted the host and was asked if we had to leave early or comfortable staying. No one offered to change sheets, come clean up the mess, nothing. We left early and was told a refund would be made to the card on file, it took over a week to get this response as the owner left the company without a manager in charge. From the day I left I was told the manager would call me later, but my response to the generic how was your stay email prompted the manager to not return my calls, but respond via email. I got discover involved with a dispute as the refund was not processed and I was already having trouble with the company I was unsure they would follow through with what they said. Discover now states my information, an email from the merchant stating a refund would be processed to the credit card on file and the final bill stating the money received was only from my discover card and cash was not enough information. Even though I was told two weeks ago that that is the information that was needed, and XXXX business days ago that the information provided was approved to initiate credit back to my account. It should be as simple as that, and now dealing with this over several months Discover has claimed my information is out of date, already closed, but I should follow up with the merchant that has been ignoring my calls since the day after my departure.
Product: Checking or savings account

I received a SBA grant for XXXX . Bank of America froze my account and closed it without any prior notification. My funds were never sent back after the closure. I was told by several employees that I would receive a check for the remaining balance which has yet to be sent. This was on XX/XX/XXXX. Today is XX/XX/XXXX and I have get to anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several letters with the proper documents to remove the incorrect information and it still remains on my credit file, I call in and they are very rude and disrespectful and constantly tell me I didnt send in any letters or documents when I clearly sent it certified and know they have it cause I check the tracking, this incorrect Information is injurious to my credit, its like Im wasting money sending certified letters and not getting any results this is not fair that experian is the only one doing this, its my knowledge that all 3 credit agencies should have the same information on file,XXXX XXXX XXXX XXXX  XXXX mo XXXX is not my address and is not on file with XXXX and XXXX these two only have one address on file and its my correct one experian will not put my correct address on file My only existing address is XXXX XXXX XXXX XXXX XXXX  XXXX mo XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 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 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 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
Product: Credit reporting or other personal consumer reports

I still have an existing gold card from XXXX XXXX  and Equifax is stating. 
that account is closed/or stolen, that's incorrect. Now i have attached the right information. Now it's taken a turn for the worse. l has tried to improve my credit and no use.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}