23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Several FDCPA violations have occurred between this company and their assignee over the last 3 months : 1. Consent and permission was never given to contact and communicate with any third party regarding this debt and XXXX XXXX  XXXX XXXX XXXX & RAS Lavrar , LLC violated this by making contact and discussing this matter with family members. 

2. A debt collector must provide a written notice within five days after its initial communication ( or in the initial communication ) including : a ) the amount of the debt, b ) the name of the creditor to whom the debt is owed, c ) a statement that unless you, within 30 days after receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt collector will assume the debt is valid- the date on the notice was XX/XX/XXXX, both companies received a dispute on XXXX and XXXX via signature confirmation and certified mail respectively. 
d ) a statement that if you notify the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against you and a copy of such verification or judgment will be mailed to you - despite the dispute being received by both companies on XXXX and XXXX, there was never any response provided and or mailed. 
e ) and a statement that, upon your written request within the 30-day period, the debt collector will provide you with the name and address of the original creditor, if different from the current creditor. 

3. If you make a request in writing, the collection agency must stop communicating with you, other than to let you know that its ending communication, or it may ( or will ) sue you or use another legal remedy to collect the debt. XXXX RAS Lavrar , LLC never responded to the request and additionally without prior warning in their initial communication and subsequently, filed suit on XX/XX/XXXX. 

4. In doing this, they have falsely represented the character, amount, or legal status of a disputed debt which considered harassing conduct under the FDCPA. 

5. Lastly, in more harassing conduct, they are still attempting to collecting fees or charges the collector is not entitled to collect under the agreement creating the disputed debt. In their suit complaint, RAS Lavrar , LLC has included numerous fees, court costs and interest yet contradictorily provided a statement clearly detailing the terms of the payment agreement due on XX/XX/XXXX that was broken by XXXX XXXX  XXXX XXXX XXXX  on XX/XX/XXXX. Additionally, on XX/XX/XXXX, RAS Lavrar , LLC further acknowledges the validity of this agreement in their response to a prior CFPB complaint stating that they " have forwarding your concerns to our client as we believe XXXX  will be better suited to handle this matter ''. Despite this, as of today XX/XX/XXXX, their suit remains open.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still items to be deletd. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the amount owed is totally incorrect. There is NO WAY I owe {$77000.00} This hurting my chances to purchase a home ... ..I need this REMOVED until we can figure out the correct amount and come to a resolution.
Product: Mortgage

I am disputing an erroneous notation on my Credit Report by Wells Fargo, stating I have a foreclosure on a home in XXXX. In XXXX I was solicited by Wells Fargo for a Loan Modification ( which I since learned was not permissible, per the Missouri Attorney General 's Office ). I was also asked by the loan officer handling the modification to create a false XXXX from a company I owned, in order to be eligible for the loan. I explained that was illegal and I would not do it. The same loan officer requested the same illegal action a second time on a different day. When I informed her it was illegal, and I would not do it, my loan modification was denied, and I was told I needed to file again, which I did, and later learned that by doing so, Wells Fargo would likely receive a bonus from the Federal Government for an additional new application. In XXXX of XXXX, the loan modification was approved under my threat of charges being filed for the illegal actions by Wells Fargo and I was told the foreclosure they had begun would be removed from my credit report. It was just brought to my attention within the past month that the foreclosure is still showing on my credit report, causing a lower credit score, and in turn, causing insurance rates to be higher for the past 4 years, interest rates on loans such as my car and my credit card with Wells Fargo to be higher, and to be denied a credit card by a different company, as well as denied a home loan so I could sell the home financed by Wells Fargo. Additionally, during the modification process, I was told that my initial home loan and my home equity loan would be consolidated into one loan ( the home equity loan having a very high interest rate ), but upon approval of the modification, I was told the modification only encompassed the original home loan and that I would have to refile and go through the same 10-month process to request a modification of the home equity loan, and that they needed to keep them as two separate accounts. Due to the issues with the modification of the first loan, I did not apply or request modification on the 2nd loan. 

I have made consistent payments on the modification ( copy of bank statement showing auto withdrawals for both mortgage accounts with Wells Fargo attached ) I have been working with my insurance agent to improve my rates for insurance, as shown by the attached, as well, however, they are not able to see WHY the credit rating dropped so drastically, but can only tell me it has, and therefore, my rates increased and coverage decreased ( copies of paperwork for that are attached ), and the denial letter for a new credit card is attached ( I followed up with them only to be told there was a negative statement on my credit report ) and a copy of the credit report run by a different mortgage company in XXXX, when I was first informed why the rating had dropped and that I was ineligible for a loan with a different company other than Wells Fargo.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurateXXXX XXXX XXXX
Product: Debt collection

old gym membership don't understand why its {$140.00} collection I believe it was something like {$30.00} a month I don't think they would have ever let me go that far without payment and its been over 30 days since debt validation letter has been sent out no contact of info of any kind.
Product: Mortgage

I am applying for a XXXX XXXX loan through several lenders. I believe there is some sort of underwriting system that lenders XXXX all use, XXXX XXXX, XXXX XXXX? Anyway, I do not have any understanding why they close my loan application.
Product: Debt collection

on XX/XX/XXXX, I received a call from an unkown debt collector threatening to " sue '' me if I did not pay them. This company never identified themselves, nor sent documentation to the addresses listed on the payday loan. They also do not leave messages stating who they are. I called back fearing suit and gave them some information. After giving them credit card information that I should not have given, I attempted to call to correct the issue, but the number given is not the one I can contact, and I received a call from a lady who said they would " locate '' me and tell others about my debt. I filed a complaint here on XX/XX/XXXX with ACE, the originator of the loan, and was able through that complaint to identify the company they sold the debt too. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. This company has never sent any documentation proving the validity of the debt in question so that I may dispute it, nor identified themselves as debt collectors as required by law. The message I have attached shows how they contact debts they acquire. I have looked on their site and it states that the " debt '' was sold to another creditor.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on XX/XX/year>, which falls within XXXX ' standard 15-day grace period. Therefore, the account should not have been reported as 30 or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a 30 and 60-day late payment on my account.

Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>2023 I signed up for XXXX XXXX for Sunday XXXX ticket @ {$260.00}. I paid it through XXXX and it showed up that day on my XXXX account and came out of my bank on XX/XX/year>2023. The same day XXXX XXXX,2023 it was charged to my Comenity Credit Card which has nothing to do with my XXXX account. I have been fighting with Comenity ever since XXXX to get this removed and credited back to me. 
XXXX XXXX is difficult to reach but after numerous emails I am in receipt of two emails stating that there was not a charge submitted to my Comenity CC and that my account was paid through my bank. They even checked all my email addresses and found no other charge. 
Comenity has copies of the following info : My bank statement showing the {$260.00} came out of my checking account, ( 2 ) emails stating I have paid my account from XXXX, copies of the original charge on my Comenity CC statemnt and several letters back and forth from my self to Comenity. They have continously disallowed the dispute. 
I need someone to contact Comenity and find out how they show I owe this? 
I talked to someone in fraud and they said XXXX verified the charge with another email but wouldn't tell me the email address. 
I used my email address XXXX for my XXXX. I have another address of XXXX but XXXX shows no activity on that email from them. They even checked my husband 's email address and show nothing. 
Please help me. {$260.00} is a lot of money to me.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B necessitates the removal of incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurately reported, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported 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 XXXX XXXX XXXX XXXX XXXXNever 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 reporting, credit repair services, or other personal consumer reports

in pursuant to [ 15 USC 1681b ] a reporting agency may furnish a report on a consumer if it has written consent or a court order and SYNCHRONY BANK has neither. SYNCHRONY BANK is acting as a consumer reporting agency under [ 15 USC 1681a ( f ) ] because they regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Also, I ceased all communications with SYNCHRONY BANK through all mediums except mail. SYNCHRONY BANK has acknowledge my cease and desist but failed to abide by my written request and are still communicating with me ( consumer ) through consumer report which is violating the means of cease and desist sent to SYNCHRONY BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN displays XXXX XXXX, account no.XXXX wrongfully according to CALIFORNIA LAW.The account is for furniture financing.The furniture was defective and proceeded to fall apart under normal wear and tear.I explained the damage and said I wished to return the merchandise, per contract terms.California 's implied warranty laws were violated and Tempo refused to accept return of the merchandise without charge. 
They offered to settle for XXXX dollars.Since they wouldn't accept the return, I realized they were only trying to extort another {$100.00} with the use of my credit report as leverage. 
SEE ATTACHED LETTER/CONTRACT FROM XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are 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 accounts or information not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was made by XXXX, but not Equifax. In the response to my complaint XXXX, Equifax indicated that " as soon as that agency processes your fraud alert, it will notify the other XXXX, which then also must place fraud alerts in your file. '' However, Equifax has not placed an extended alert in my file
Product: Checking or savings account

This is a continuation of my previous complaint. My account continues to be charged {$900.00} a month when I have called several times to try and cancel this payment. Truist 's online bill pay service doesn't show any record of the payment but my account continues to end up overdrawn due to the payment. On XX/XX/2024 I noticed the payment had processed again so I called at approximately XXXX XXXX ET. I reached the fraud department who offered to charge me {$35.00} to issue a stop payment. I refused that option because this issue has already cost me too much in fraudulent overdraft fees. I will be attempting to close all of my Truist accounts tomorrow.
Product: Checking or savings account

My business mailed a check to XXXX XXXX ( Check XXXX, mailed XX/XX/XXXX, cleared account XX/XX/XXXX ) but XXXX XXXX has no record of having received it. This was discovered by our bookkeeper. We contacted XXXX XXXX who investigated and determined no such check was received by them and closed the inquiry. We contacted our bank, XXXX XXXX Bank to assist and find out who negotiated this check. Our bank determined that check was negotiated at XXXX XXXX XXXX in XXXX XXXX On XX/XX/XXXX, a dispute for an altered misuse of check affidavit was submitted through my bank, XXXX XXXX Bank XXXX ( I have asked my bank for a copy of the dispute that as submitted but have not yet been provided with the copy but the attached email string confirms it was received and submitted to XXXX XXXX  XXXX ) .The check amount was {$9000.00} and is submitted herewith ( my bank does not provide me with the bank of the check ). 

XXXX XXXX Bank has told me that XXXX XXXX XXXXXXXX told them it would take 3-10 weeks to respond to the dispute. I have followed up weekly with my bank to get a status from XXXX XXXXXXXX XXXX. Each time, I am told that XXXX XXXX XXXXXXXX 's response is the same ( pending ) and that there is no live person in their operations department to talk with. I have asked my bank for copies of correspondence with XXXX XXXX XXXXXXXX and/or contact information at XXXX XXXX XXXXXXXX and each time told that this information can not be released to me. I have attached the email chain with my bank about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is stating that the original creditor is XXXX XXXX. But the original creditor is XXXX financial. The date this account was opened was XX/XX/2017. The amount is for {$3700.00}
Product: Mortgage

I received a loan from Rocket Mortgage on XX/XX/2022. I was told that when my previous home sold I could put a lump sum payment onto my loan. At this point they could redo my loan. The interest rate would stay the same but the payment would be lowered.The fee for doing this would be {$100.00}. When I called to do this I was told I had to have XXXX payments made on the current loan. After I made the XXXX payments I called again and was told it had to be XXXX payments. After I had done this, I called again and was told if I had made XXXX payments they could also get me a lower interest rate. I said sure, she did my loan as a refi and there was to be a {$14000.00} cost to do this. I told them forget that just do the the original offer same interest rate with a lower payment. I was then told I needed to have the XXXX payments and a extra payment on the prinicpal of {$10000.00} and the fee is now {$250.00}. 
They told me NOT to pay the extra lump sum on loan. 
I'm a senior age XXXX and they took advantage of me. 
I fill like this is a bait and switch game. 
Every time I called different answer but always for me to make additional payment at larger loan amount.