23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Speedy Cash Payday Loan : XXXX Under 15 USC 1692a ( 5 ) ( 6 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

This is to validate that Speedy Cash is acting as a debt collector attempting to collect a debt.

Violation of 15 USC 1692e ( 2 ) ( a ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or Speedy Cash in direct violation of this law by stating I owe a late payment total of {$310.00} when the principal amount loaned was {$250.00}. Please see attachment for proof of evidence.

Violation 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

After the initial attempt to withdraw from my bank account the amount of {$300.00}, Speedy Cash has emailed me and called me with a payment due date and a payment of {$310.00} that is due on that due date. These are false and misleading practices that are in direct violation of the laws listed in the FDCPA.
Product: Credit reporting

There are false names, addresses, inquiries, and credit account information that are not mine and/or I do not recognize. Initially, I tried contacting the creditors to clear up inaccurate information but I was ignored. 
Adverse accounts have falsely reappeared/posted on my credit report in error. I 've already disputed these items with Experian and their response was that " that items have already been disputed and we ( Experian ) will not investigate them because we are only required to furnish information of activity that has been reported to us ( by the creditors ). '' My credit report was obtained illegally because the companies who viewed it did n't have the right to do so, therefore, inquires should n't stay on my report. Experian is required to follow up with the creditor. " If the credit bureau does n't get a response either, it has an obligation to remove the disputed inquiry. Legally, the credit bureau must respond to you within 30 days. '' I have reported these creditors to CA Dept. of Business Oversight. Experian has failed to comply with their obligatory investigation. 
I 've learned that Experian is not interested in fixing inaccuracies. If they were, they would have done something about it long ago. I 've discovered that the reason it is difficult for Experian to fix inaccuracies is because doing so is contrary to what their objectives are ; to satisfy the furnisher of the information ( creditor ). 
I am requesting Experian to investigate the inaccurate information that I 've disputed with them and I want them removed by suppression technology so that they will not falsely reappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Upon reviewing my credit file, incorrect informations was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Inaccurate Name : XXXX XXXX ; Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX Late Closed : XXXX XXXX Balance : {$0.00} ; Charge off : XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$420.00} ; Collection : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1400.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} ; Inquiries Included In Dispute : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX, this is my credit reports ( all 3 Credit reporting bureaus ) story. 
Since XX/XX/XXXX All three credit bureaus had denied me be the XXXX XXXX XXXX  my credit report for 18 years now except for once in XXXX and when I tried to fix all the inaccuracies and lies on my credit report, They ( all 3 bureaus ) immediately shut me down and locked me out again and it's been since XXXX since I've been able to obtain any one of my three credit reports. Its like they are all working in concert with each other to prevent me from exceling in life. After I sent them copies of my state ID and Social Security card they keep telling me I'm not me I do believe that's 18 violations on top of all the other Inaccuracies on my credit reports. From what I saw in XXXX XXXX XXXX has my name in 100 different derivatives hell yes that would make a person look fraudulent Under 15 US Code Subsection 1681 n - civil liability for willful noncompliance. 

I was on the phone with XXXX just 5 minutes ago again ( XX/XX/XXXX XXXX XXXX  EST ), and the guy I was talking to ( XXXX ) told me I am not sending you your credit report. until after I send it to the maintenance department to fix the inaccuracies. Then it will be sent to you. 
That in itself, shows willful noncompliance. 

I wish I could attach files, but I can't. Because they haven't given me my credit report since XXXX was XXXX years before that in XXXX. Once again after multiple times of sending them copies of my ID and Social Security card XXXX XXXX.
Product: Credit card or prepaid card

I have a loan with SEARS/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2018.
Product: Debt collection

My account was frozen on or about XXXX XXXX because of a debt that Portfolio Recovery XXXX that I owe from more than a decade ago, and I had never received any communication about the debt or having my bank account frozen for a total of {$3200.00}. The levy on my bank account was sent by XXXX XXXX XXXX and The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tel. XXXX XXXX XXXX XXXX. XXXX Ext XXXX Fax XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 


I felt helpless as they froze my account and I could not pay my rent or other bills at the time. I had to comply to even have my account released. I had to go into my XXXX at work and pay them and I really felt like I was being robbed and they were committing theft by freezing my accounts and holding my account XXXX. This really caused a hardship for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage refinance and received inaccurate reporting. Experian submitted to the mortgage company a credit score of XXXX. However, Experian shows a credit score on my report XXXX, which is accurate, This is causing me a great deal of problems. Please look into this Experian 's reporting, as something is harmfully wrong! By Experian reporting a XXXX score I was denied a mortgage refinance. 

Respectfully Requested, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Mortgage

Tender of payment was made by way of a bills of exchange bank check in the form of a negotiable instrument in the amount of {$89000.00} to fully satisfy this account. Per your statement a bank check is an acceptable form of payment. Here are the legal references that support the payment sent to you was a valid and lawful bank check negotiable instrument : XXXX. TENDER OF PAYMENT. 
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. 
Supporting lawful references in regard to bank check negotiable instruments : HJR-192 UCC 3-501 UCC 3-305 18 USC 8 UCC 3-104 31 USC 3123 UCC 3-419 UCC 1-308 As per your response since XXXX XXXX is the current creditor and current note holder why is the Lien on the property with SLS and not with XXXX XXXX? 


You stated that SLS is a third-party mortgage loan servicing and is not the owner/investor of the loan. If SLS is NOT THE OWNER OR INVESTOR of this loan why does SLS hold a lien to the property? 

( Black 's Law Dictionary ) XXXX XXXX legal right or interest that a creditor has in another 's property, lasting usually until a debt. or duty that is secures is satisfied. ( Black 's Law Dictionary ) ( Black 's Law Dictionary ) Creditor One to whom a debt is owed ; one who gives credit for money or goods. A person or entity with a definite claim against another.

( Black 's Law Dictionary ) Lienholder A person having or owning a lien. ( Blacks Law Dictionary ) Where is the original note? Why doesnt the note have a certified original copy stamp, but the security deed does? Please advise who is the current holder of the note and send an original copy of the note with more than one signature displaying the contract is binding.

For SLS to provide proof that Fannie Mae is currently the holder of my ORIGINAL note that contains my wet ink signature and to provide a true certified copy of the original note signed and dated by a notary public.

For SLS to explain why they hold a lien on my property when Fannie Mae is the current creditor.
Product: Credit reporting or other personal consumer reports

There are wrong names and addresses on my credit report that I want to remove.
Product: Debt collection

Hunter Warfield on XXXX Florida says I owe a debt I know nothing about. I have no idea what it is for. 
Every XXXX  this entity reports a debt as a new collection. This started in early XXXX and every XXXX  they report it as a new collection not a over XXXX XXXX XXXX debt. They have cause my credit score to fall from XXXX to XXXX this time which they reported between XX/XX/XXXX and XXXX XXXX according to my credit tracking. 
4 months earlier the same thing over and over and over. 
This has caused serious hardship for my family as we struggle to get a loan to repair our property. Furthermore this action of Hunter Warfield constantly pushes the expiration of this collection for another 7 years instead of just over XXXX according to their first report.
Product: Credit reporting or other personal consumer reports

Following my previous request for an investigation into accounts with erroneous information, I have reviewed your response and noted that some accounts still inaccurately display a " verified '' status. I request that you correct the information for the following accounts : XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$200.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4200.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$200.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4200.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4100.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3200.00} XXXX FIN XXXX Balance Owed : {$22000.00}. In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I kindly request to be notified upon the update of these items. Once these corrections have been made, please send an updated copy of my credit reports to my provided address.
Product: Debt collection

this is a predatory debt collector, it was a second equity loan open XXXX. XXXX offer to settle debt XXXX % in XXXX but my mother owner of debt died XX/XX/XXXX, .I have adversely affected by the SPS since i requested assistance XXXX XXXX, they have finally denied XX/XX/XXXX. this debt belong to my mother, since she has been dead now ten years, i requested XXXX issue a reconveyance of the loan on XX/XX/XXXX. it is still pending. 
on XX/XX/XXXX i agreed to short sell the property but they said i was too late. Now the call daily and want me request assistance, i have not answered, so now they filed a default and pending foreclosure. 
i am XXXX and i have no income since XXXX, it went directly to my mother, she made all financial decision 's on my behalf. XXXX refused to settle since i was XXXX, now the servicer changes my single point of contact every month. i am so confused and XXXX but i am trying, on XX/XX/XXXX the sent 40 certified letters with information about the foreclosures. 
SPS is the XXXX servicer, they constantly cancel my homeowners insurance and place their own. i have acted in good faith but they constantly flip flop. the default and foreclosure notices were recorded after the 10year statue of limitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$64.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Debt collection

I recently review a copy of my credit report and I realize that as a consumer Account Resolution Services is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me and my FTC report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear TransUnion Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer re
port.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years. 

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Covington Credit is report a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, i called immediately and paid this off. I never received any phone calls, collection notices, or letters about this debt. This account is still reporting an balance which is erroneous. I need this fixed as soon as possible.
Product: Debt collection

I am a victim of this fraudulent XXXX XXXX Account. I have no liability for this account and I demand that XXXX XXXX stop trying to collect a so called debt that was not created by me. I was served by a sheriff for a debt that is not mine. Weltman, Weinberg & Reis CO., L.P.A is the law-firm that submitted the documents that was served to me on behalf of XXXX XXXX. This account is not mine and if all illegal debt collection practices does not cease immediately I will seek remedies immediately. My consumer rights under the Fair Debt Collection Privacy Act is being violated. I also submitted an identity theft report with the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 
PLEASE VIEW ATTACHMENT
Product: Credit reporting

I sent a letter informing Equifax that I did not dispute their investigation in late XXXX. They never changed anything I asked. I was turned down for a mortgage because of this. I am attaching the original letter and XXXX I wrote today showing what I need done so my report is accurate. Please help!!
Product: Credit reporting or other personal consumer reports

I recently had some old files deleted off my credit report which in turn, boosted my credit score. My credit score was nearing a XXXX score minimum. I was shopping for a car and had several inquiries pulled. I also filed for XXXX XXXX to save my home. All three credit bureaus dropped my scores at least XXXX points. It seems as though when my scores are heading upwards for my credit betterment, the bureaus deliberately drop my scores XXXX or more points. I believe as an XXXX XXXX, I am being unfairly targeted to keep me in a poor credit status. Credit inquiries when car shopping should not have affected me so drastically. My score had dropped so low, which in turn will take a year or more just to rebuild it. These practices are unfair and unjust.
Product: Debt collection

Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1800.00} High Balance {$1800.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit card

I 've sent several payments in to Macy 's well in advance of my payment due date, but they keep cashing my checks late and charging me XXXX late fees. This has happened 3 times so far. I 'm really disappointed in this company and hope someone can have a look and see if this is happening routinely to others.