23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NC, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX Employer - XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I got a credit card in the mail from sportsman 's Warehouse or sportsman 's credit which on the credit report says comenity capital the second I opened it up and saw what it was I did not call anybody I immediately went in my house got some scissors and cut it up into little pieces I remember perfectly and I've had a lot of losses lately and I've needed house loan vehicle loans personal loans credit card something to help me and my family out and I've got denied over a hundred times from a hundred different places and never knew really why until recently I looked at my credit report because it's not on XXXX it was on XXXX that day illegally against my will activated it without me agreeing to whatsoever and since I had a account that I never used with them they continued putting that I have paid on time etc every month except the last 6 months they put XXXX and I have never paid them XXXXXXXX XXXX because I've never used XXXXXXXX XXXX because I cut the card up in pieces which I have photos of the credit report where it says that they have been putting on there that I paid a bunch of times that standings are good but didn't pay for the past 6 months etc so that illegally put it on my credit and now for the past year I've been denied Time after Time which since I couldn't get the money I needed or the extra finances have lost my truck putting my entire family with no vehicle and now I'm riding a bicycle to pick groceries up because I can't get a loan or credit card to purchase a vehicle which took my {$20.00} an hour job because I Didn't have a vehicle to get to work which took my apartment from me putting me at XXXX XXXX XXXX living with my mom who was recently widowed my XXXX daughters and my girlfriend / babies mama and now I'm stuck here with no income for my kids I'm losing my family all because of a company filing a report after I cut up the card and did not accept their credit I did all the right things I needed at the time a credit card to buy food etc not sportsman 's memorabilia and or items and now I'm to suffer a massive blow ending a family destroying lives over nothing I did my own and even when this finally get settled and it gets put off my report I still won't have a truck or a vehicle I still won't have my family intact I still won't have my apartment did is going to go on my credit report for losing when it wasn't my fault I still won't have my good-paying job that I loved I want to press charges and open a lawsuit get reimbursed for the loss I've endured from this company for destroying a life and the lives around me for clicking activate when I never activated.
Product: Credit reporting or other personal consumer reports

Contemporary Information Corp ( CIC ) continue to report incorrect information. My name is XXXX XXXX there should be no other names listed on my consumer report. My only mailing address and residential address is XXXX XXXX XXXX XXXX XXXX, MI XXXX there should be no other addresses listed on my consumer report. Remove any security freezes or alerts you have listed on my report that is preventing me from access my consumer report and file. Failure to comply with this demand you will be immediately sued with no further notice being sent. This is a service you offered I did not ask you to compile this incorrect information.
Product: Mortgage

We updated our payment amount and frequency to bi-weekly in XXXX of XXXX. We increased our payment amount so that we could pay off our mortgage more quickly. 

Truist made XXXX withdrawls of the requested amount toward our mortgage payment between XXXX and XXXX. 

In XXXX, Truist adjusted the amount of our bi-weekly payment to lower than the amount we specified without notifying us, effectively charging us more interest between XXXX and XX/XX/XXXX. 

We called a representative in XX/XX/XXXX to inquire about this change and the amount being withdrawn. She confirmed that our account DID reflect a pending charge in the amount that we specified, not the lower amount. However, when it was actually withdrawn from our account, they took the lower amount. 

In XX/XX/XXXX, we called again to make an adjustment. We were told that we would need to fill out an additional form, which we promptly did and returned to the representative. We never received confirmation or any reply whatsoever. The next payment was processed again for a lower amount than we requested. 

In XX/XX/XXXX, we received a copy of the same paperwork ( blank ) in the mail. While other systems for the bank are online, this paperwork requires us to fill out and mail it back to the bank, along with a cancelled check. In the meantime, our XXXX payment was processed again, for the lower amount. 

Truist Bank is making it incredibly burdensome and difficult for us to pay off our mortgage more quickly - their online systems and customer service seems designed to prevent us from entering into a biweekly payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Decreased by {$13.00} This company keeps bringing my credit score lower and lower. I payed off my balance back in XXXX and closed my account with them. I DO NOT OWE THEM ANYTHING. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX RE : Accounts XXXX XXXX  XXXX # XXXX XXXX Closed ) XXXX XXXX XXXXXXXX XXXX # XXXX ( Closed ) XXXX XXXX XXXX # XXXX ( Closed ) XXXX XXXXXXXX XXXX # XXXX ( Closed XXXX XXXXXXXX XXXXI # XXXX ( Closed ) XXXX XXXXXXXX XXXX # XXXX ( Closed ) SXXXX XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXX XXXX # XXXX ( Closed ) XXXX XXXX # XXXX ( Closed ) XXXX XXXX XXXX XXXX # XXXX ( Collection ) XXXX XXXX XXXX # XXXX ( Debt Buyer ) XXXX XXXX XXXX XXXX XXXXXXXX ( Debt Buyer XXXX XXXX & XXXX # XXXX ( Collection ) I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you,
Product: Mortgage

Cardinal Financial failed to pay our property taxes out of our escrow account for all of XXXX. Now the county is planning to auction our house in a tax sale if the taxes plus penalties are not paid. We have never been late with a payment and there is money in our account to cover the payment yet theyve taken no action. We learned of this situation when we received a letter from our county treasurer on XX/XX/XXXX alerting us to the issue and threatening the auction of our home in a tax sale. I contacted Cardinal Financial and our county treasurer on the day the letter was received. The treasurer was able to clarify the issue. We own 2 parcels. One parcel with our house and the adjacent parcel with no structures. Cardinal paid the taxes on adjacent parcel but not on the parcel with our house. When the treasurer clarified the issue, I called Cardinal Financial immediately to alert them. I did exactly as they asked sending another email with the letter from the county along with our loan number. At this point, Ive sent 4 emails notifying them of their error, creating a paper trail by the direction of their representatives to no avail. By federal law and their own disclosures they should have responded in writing within 5 business days but we heard nothing. Its now been more than a month. We call them every day and start from scratch rehashing the situation but no one with any knowledge or authority seems to know how to facilitate a resolution. Lots of empty promises. All talk and no action. We have been told by Cardinal Financial representatives that we should have received 2 separate checks for {$1000.00} due to the overage in our escrow account resulting from their error. But we havent received these checks. Our May statement shows a disbursement for that amount that left our escrow account but it never came to us as a payment. No similar disbursement came out in XXXX when those taxes were not paid. The amount owed including penalties is now {$2700.00} for XXXX. I am fearful because the next payment is due XX/XX/XXXX. I do not think we should be held responsible for the penalties or suffer an increase in payments to cover the escrow as a result of their negligence.
Product: Vehicle loan or lease

On this day XXXX XXXX XXXX applications pursuant to an extension of credit in the sums said {$170000.00}, {$130000.00} was submitted to XXXX XXXX XXXX XXXX and denied. We proceeded to ask the finance manager why we were denied, he then replied telling us due to whats in the report showing that we have not had a previous loan in the sums said that compares to what has been applied for and that our income is too low, and we dont have any down payment also could have led us to a denial. We then told him that we are being discriminated against, and that they are violating our consumer right to credit. And that they blatantly ignored all consumer laws that theyre governed by, which are : Equal credit opportunity act was violated, ( TILA ), Federal Reserve Act sec.16 1 & 2 saying that the application w/contract is the collateral security and legal tender, Bill of Exchange Act. Finance manager did not offer to speak with underwriting at anytime on our behalf about the consumer credit transactions.
Product: Debt collection

REQUESTED THE XXXX XXXX XXXX XXXX NEWSPAPER TO START HOME DELIVERY XXXX, XXXX. RECEIVED HOME DELIVERY OF THE PAPER UNTIL WE BECAME VERY DISSATISFIED WHITH THE PAPER 'S CONTENT AND IT'S HIGH COST. THE AGREEMENT WAS TO PAY IN ADVANCE FOR THE PAPER. LAST PAYMENT SENT WAS XX/XX/XXXX WHICH WAS TO COVER THE COST OF THE PAPER THRU XX/XX/XXXX. WE RECEIVED SEVERAL NOTICES THAT OUR SUBSCRIPTION WAS ABOUT TO EXPIRE SO WE LET IT EXPIRE. THE PAPER CONTINUED TO BE DELIVERED WITHOUT OUR PERMISSION OR PAYMENT FOR APPROXIMATELY 30 MORE DAYS. THEN WE GOT A NOTICE FROM A.R.M. 
XXXX XXXX, XXXX, CA, A DEBT COLLECTOR, DATED XX/XX/XXXX, SAYING WE WERE DELIQUENT FOR {$300.00}. WE FEEL A DISHONEST TACTIC HAS BEEN EMPLOYED BY THE XXXX XXXX XXXX XXXX BY DELIVERING AN UNASKED FOR PRODUCT AND THEN SENDING US A BILL FOR IT, AND THEN AN ATTEMPT TO TARNISH AND THREATEN OUR CREDIT SCORE BY SENDING A DEBT COLLECTOR AFTER US.
Product: Credit card

The following XXXX department store credit issue by Walmart and JC Penny do not apply monthly payments to the highest interest bearing transactions. 
I have promotional rate transactions for both cards that are differed interest and each month they try and pay down my differed interest. 
I have to call them every month and request my payment only be applied to my interest bearing transactions.
Product: Student loan

I have been paying TitanPrep Inc {$320.00} a year for services that I can do myself and now that I want to cancel I cant get ahold of anyone. Would call non stop for yearly certification and getting payment but now silence. I have submitted cancellation form and said need to fill out another form but I have received nothing from them
Product: Checking or savings account

This bank closed my account saying unusual activity when its been the same activity since Ive opened the account, I have Nooooo access to my money and they are saying the account is under Review but I am unable to touch my money they say 10 days then they send a check out with your balance, also once they close your account they put your number on a call block list so that you cant speak to anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX, I wrote requesting an investigation into ( XXXX XXXX account number XXXX ) as of XX/XX/XXXX. I have not received a response from the credit bureaus, XXXX, XXXX, or Experian. I believe there was INACCURATE reporting of the account XXXX. I have not received a reply or any acknowledgment that an investigation has begun. The credit bureaus are not in compliance with their own policy of 30 days. 

XXXX, XXXX and Experian reporting account XXXX as late payments for 90 days for the month of XX/XX/XXXX, with paid as agreed in the previous months XXXX and XX/XX/XXXX, and the current months showing XXXX and XX/XX/XXXX, no data. The account XXXX on the myfedloan.gov website in the account XXXX show no late payments or delinquent or default for account XXXX in the history. I have attached copies for the account XXXX. as proof of inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year I check my credit just to make sure I'm on target with my goals ; well, this year upon having my credit pulled, I discovered several items that are NOT mine and I'd like them removed as soon as possible. I also took the liberty of contacting the police and FTC for your convenience. These are items from removal : XXXX/XXXX, XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

I checked my credit report, noticed there was a collection reporting from XXXX. XXXX XXXX, opening XX/XX/2024 with a past due balance for XXXX, XXXX for the amount of {$250.00}. I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXXXXXX they did not provide me with the original contract as I requested
Product: Credit reporting or other personal consumer reports

My information was exposed I think it was a data breach I see transactors on my credit report that were not done by me I also you see a open credit card for the amount of {$11000.00} a XXXX  XXXX card two times of XXXX XXXX XXXX {$160.00} and {$790.00} and Jefferson Capital
Product: Mortgage

On XXXX XXXX, XX/XX/2015, I closed on a property that was obtained thru a XXXX loan. The mortgage is with MLD Mortgage Inc. The way the mortgage is set up, I borrowed money for both pruchasing building, and rehab for it. The rehab money is in an escrow account, operated by The Money Store. The process is that we complete some of the rehab, thru an approved general contractor, the work is approved by a HUD consultant, and the money is distributed according to work completed. I was told once the paperwork is completed by the HUD consultant, it should take 3-5 business days for a check to be issued. The HUD review was completed and turned in XXXX XXXX, XX/XX/2015. My loan officer XXXX XXXX turned the paperwork in that day. I have not received any money for the work completed. I have contacted XXXX, and he states he turned the paperwork in, and after that, it is out of his hands. He gave me several people to contact at the Money store to get information on why the process is taking so long. I have contacted every he suggested, I have not gotten any information as to what is delaying the funds being distributed. I actually can not even get anyone to return my emails or call. I 'm frustrated because the contractor for the porch completed the work 4-5 weeks ago and he needs a payment of {$15000.00}, which I do not have. I would like some communication between The Money store so I can tell the contractors when to anticipate payment. I also am paying interest on the money I borrowed, so I feel it is unfair that I do not have access to money I 've already paid for. 
XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX Money store Corporate office ( XXXX ) XXXX XXXX ext. XXXX XXXXXXXXXXXX Dear XXXX ext. XXXX XXXXXXXXXXXX
Product: Vehicle loan or lease

Attached please find the important information pertaining to my case. 
NOTICE : Please be advised that I am not represented by XXXX XXXX XXXX XXXX in XXXX XXXX, CA. I have no legal representation in California. 

1. On XX/XX/XXXX, I purchased a XXXX KIA XXXX XXXX # XXXX at KIA of XXXX, CA. I requested for a trade in with my XXXX KIA XXXX XXXX # XXXX for another KIA vehicle but they refused to do so. 

On XX/XX/XXXX, I contacted KIA Finance America to request early termination of my XXXX XXXX XXXX XXXX. They said it was allowable for me to do so and surrender the vehicle to any KIA dealership such as the KIA XXXX in California in which I did. 

KIA Finance America is charging me {$14000.00} for Early Termination Fee. 

2. On XX/XX/XXXXXXXX  I was involved in a very serious car accident wherein a big rig truck side swiped my XXXX XXXX causing it to be totaled. I still suffer from injuries and discomforts from the accident. KIA Finance America was paid the totaled car value by my XXXX XXXX XXXX in the amount of {$25000.00}.
Product: Payday loan, title loan, or personal loan

I lost my job at the beginning of the pandemic in XXXX. I tried to contact someone at Quick Click Loans LLC in XXXX, GA to let them know. Could never get anyone. The next thing I know this year in XX/XX/XXXX they submitted a continued garnishment to my part-time employer. They were not able to collect because of insufficient funds. I never received a copy of the complaint nor the judgment regarding this debt. I never received any correspondence by mail or email. No phone calls, nothing. Is this legal? I would like for the garnishment to stop. This debt collector violated laws because I never knew I was being sued.
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 : U S DEPT OF EDXXXX XXXX  Balance : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance : {$6200.00} DEPTEDXXXX XXXX Balance : {$0.00}
Product: Debt collection

I do have a vehicle with bridge crest, I did speak with a representative know as XXXX XXXX about this matter and was told do not worry about it. So all of a sudden this item was put on my credit report so I asked to see contracts etc so they send me information Im the mail to send a copy of my social security number and asking for my drivers license. No Im not complying with this fraudulent activity sending my personal information to them. Not comfortable with that at all.
Product: Debt collection

There is an account reporting on my credit file with XXXX XXXX and I requested the credit bureaus to investigate this. The results from the bureaus indicated it was mine. However I had a representative contact XXXX using a power of attorney and they told her that they could not locate any information with my social, date birth, address etc., I then submit a letter directly to XXXX asking for validation of the debt since they could not locate me by the above. The letter I received was nothing more than statement from their company stating I owe it. The even more frustrating part is how are they able to locate my information now when they could n't before? All that information was given to them initially to locate the information and the did n't. How do I even know if they did n't input the information when I had the representative call? There was nothing sent to me with my signature, payment history from previous company etc.
Product: Debt collection

I received a call from a woman named XXXX who is collecting a debt for Cottonwood Financial ( or The Cash Store ) and she repeatedly talked over me. I explained to her that I did not want her to ever call me again and she continued to speak over me. I asked to speak to her supervisor and she was even worse. I tried to ask for the collection agency she worked for and all she said was XXXX. I dont normally answer a Texas phone number however I was in my car and answered it, and she immediately started to be hateful once she found out I did not have a job to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. It has been stated that the account was properly investigated but how is that so if the payment statuses are completely different on XXXX  and XXXX, the date for last reported are different on XXXX  and XXXX and also date of last payment and reporting on XXXX  and XXXX are different. Nevermind that fact that address linked to this account was not one of my own. This is grounds for removal.