23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I checked my credit score through Experian on or about XXXX XXXX, 2015. On their screen was an offer to check my FICO for one dollar. So I did it and gave Experian my credit card number. In their terms and conditions, which I did n't read ( like most people ) they have that old scam of charging my credit card a membership fee after 7 days if I do n't contact them and cancel. So after 7 days, they charged my card {$21.00}. I contacted them by phone on XXXX XXXX, 2015. The employee named XXXX, told me that the 7 day notice is in the term and conditions and I was n't eligible for a refund. XXXX suggested I could dispute it. I had called my bank and to dispute it I would be issued another credit card. That would take from 7 to 10 days. I did n't want to be without a credit card for that long since I pay mostly by credit card during the month, then pay it when it comes due. So Experian lured me in with a one dollar FICO check. I think that 7 day nonsense should be clearly stated on the screen not in terms and conditions.
Product: Credit reporting or other personal consumer reports

I have paid the original creditor ( XXXX XXXX apartments, this collection agency continues to report this to the credit bureaus and this is placing false information on my report. I have emailed XXXX copies of the email from XXXXXXXX XXXX XXXX showing that I paid the original creditor. I have never done business with pro collect nor signed any contract with them.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern about the multiple attempts I have made to verify and remove inaccurate accounts, specifically late closed accounts and charge-offs, from my credit report. Despite my persistent efforts, these inaccuracies continue to adversely affect my creditworthiness and financial standing. I am writing this letter to bring this matter to your attention and request an immediate resolution. I am well aware of the significance of accurate credit reporting and how it influences my ability to secure loans, credit, and other financial opportunities. The presence of these inaccuracies on my credit report has caused significant financial harm, including higher interest rates and difficulties in obtaining credit. I respectfully request that your bureau takes immediate and thorough action to investigate and remove the inaccurate accounts mentioned below from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct these inaccuracies, along with a timeline for their removal. Clarity regarding this process is essential for me to understand when the issue will be resolved. Should these inaccuracies persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Please assist me to removed the following accounts : XXXX  XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX XXXX XXXX Owed : {$2900.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. XXXX XXXX XXXX XXXX : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX XXXX XXXX : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. It says I have late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. My credit score dropped over XXXX points due to this inaccurate reporting. I am not late on any of my other accounts and always pay on time, before, or extra payments. 

In accordance with the Fair Credit Reporting act 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 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. 16815-2 ( 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. 

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Please treat this complaint as a NOTICE OF ERROR under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

On XX/XX/XXXX, a non-judicial Foreclosure is scheduled to take place. Your Company served us with a NOTICE OF SALE UNDER POWER in XXXX County Georgia. However, the required notice is invalid and can not be used for foreclosure in the state of Georgia. 

Specifically, the notice has been served upon us, the property owners and published to the world but is inaccurate and incorrect. 

Please be advised that XXXX XXXX and Its foreclosing law firm, XXXX XXXX XXXX. has erroneously PUBLISHED THE PROPERTY LEGAL ADDRESS AS XXXX XXXX  XXXX XXXX XXXX GEORGIA XXXX -- -- HOWEVER, AS OF THE DATE OF THE SERVICE AND PUBLISHING OF THE NOTICE ON XX/XX/XXXX THE CORRECT LEGAL ADDRESS OF OUR PROPERTY WAS AND IS XXXX XXXX XXXX COURT, CITY OF XXXX XXXX, GEORGIA, XXXX. ( See EXHIBIT-4A as proof ) As of XX/XX/XXXX the legal notice has already published for three week under an false and erroneous representation. 

Although SPS Inc., Its Client or Representatives hold no security interest in our property, and is not a secured credit under Georgia law, nonetheless, in order for the company to be in compliance with the Georgia non-judicial foreclosure statute they must cancel the current foreclosure notice. 

Furthermore, we request that you answer the following question? Was loan No. : XXXX, previous number XXXX originated in lawful compliance with all federal and state laws, regulations including, but not limited to RESPA, TILA and FDCPA.
Product: Vehicle loan or lease

I had a loan with Wells Fargo and it got into repossession because they wouldn't transfer into my full name because of a divorce. The judge made me give it to ex wife she wouldn't pay and I could do nothing
Product: Debt collection

Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Debt Validation Request under FCRA and FDCPA Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the collection account reported under my name and being handled by your agency. This account appears on my credit report and is associated with XXXX. I do not recognize this debt, and I believe it may have been reported in error or fraudulently.

In accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681g and 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am requesting written validation of this alleged debt. Specifically, I require : 1. Proof of Responsibility : Documentation that I am the responsible party for this debt, including a signed contract or agreement with XXXX. 
2. Itemization of Debt : A detailed breakdown of all charges, payments, fees, and interest applied to this account.

3. Legal Right to Collect : Documentation demonstrating that Sequium Asset Solutions , LLC has been authorized by XXXX to collect on this debt. 
4. Account History : Copies of all communications or correspondence related to this account.

If you are unable to provide sufficient evidence to validate this debt within 30 days, I request that the account be : Immediately deleted from my credit report in compliance with FCRA, 15 U.S.C. 1681s-2 ( b ).

Collection activities ceased, as required under FDCPA, 15 U.S.C. 1692c for unverifiable debts. 

Furthermore, failure to comply with these obligations will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ). Unlawful reporting of unverifiable or inaccurate information is a violation of federal law and subject to investigation. 

I also request that you cease all communication with me regarding this matter unless proper validation is provided. Please respond in writing to the address listed above. 

Should you fail to validate this debt, I will take further action, including : 1. Filing a formal dispute with the CFPB through their online portal at www.consumerfinance.gov/complaint.

2. Notifying the Federal Trade Commission ( FTC ) of any violations of my rights under the FCRA or FDCPA.

3. Pursuing legal remedies to enforce my rights and seek damages if necessary.

Thank you for your prompt attention to this matter. I look forward to your written response within the legally mandated timeframe.
Product: Debt collection

XXXX was provided with my insurance and Texas XXXX contact information to pay all debts related to my assault in XX/XX/XXXX. 
The bills were paid even after XXXX mislead me and kept me in their facility without cause. 
XXXX paid full amounts with exception of a small amount in which case XXXX as well as all other providers were granted the information to send their claims to XXXX Services for payments. All other providers were paid. It was my assumption that XXXX would do as instructed and be paid by XXXX and XXXX for all amounts. I have requested my medical records and billing records on XXXX separate occasions over the last 2 years and provided copies of the protective orders as my information is concealed for security purposes. This month I now have a mark for collections from this provider with XXXX of the XXXX credit agencies. I 'm submitting a certified letter as will be copied to you requesting validation of this debt. I 'm also requesting full records from XXXX and XXXX Services. I do not believe these are monies are due and indeed should have been paid if they were due, by XXXX or XXXX. 
I am undergoing an extension with the no contact Protective Order with my attacker at this moment and have copied all such records to XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX / 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 XXXX  days 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 XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX / XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Collection account. 

FCRA violations : inquires are not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit information with your organization has been compromised. While reviewing my records, I found numerous files that do not belong to me. As I am thorough in my research, I discovered that under section 605b of the FCRA, you are legally required to remove any items found to be opened due to identity theft. The disputed items are not mine. I am attaching the necessary FTC Report and the bank 's records, as both parties require these documents. Please block and remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$7600.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cks prime investment is reporting that I have and open account. I do not have an open contract with cks prime investment. I do not have a collection Im requesting that the account be permanently removed from my credit file as it is damaging my scores to buy home.
Product: Vehicle loan or lease

On XX/XX/2024 I started a multiple step process to apply for financing with Carvana. 
I was told I was pre approved initially. 
After submitting all of the documents required there was an identity check questionnaire I had to complete. I attempted to answer all questions correctly, however because I didnt answer correctly they could not move forward with loan. 
I feel that this company is using deceptive practices by pre approving consumers, then when they decide its not an approval the company presents impossibly questions that will not be answered correctly in order to circumvent the adverse action process.
Product: Mortgage

Please provide me a copy of the most recent version of the document titled Loan Modification Agreement originally recorded on XX/XX/2010. Additionally, please confirm if this document has been endorsed, providing a copy of the endorsement, allonge and bailee letter ( s ). 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I have tried to get the company to stop reporting incorrect information. They arent responding to my correspondence and I want to deal with the original creditor.
Product: Student loan

Sallie Mae has not honored my payment allocation request after repeated written requests submitted with my payment. I want the difference between my amount due and the payment I send in to be applied to the principal balance, yet they continue to apply it to future payments and send me bills with a {$0.00} amount due. I continue to make higher payments because they have my payment amount set at {$59.00}, and the monthly interest/fees are {$58.00}. At that rate it would take the rest of my life to pay off this loan. We have called several times and were told they would change the allocation, but they have still not done so.
Product: Credit card

I purchased a desk on XXXX in the amount of XXXX on XX/XX/year> and this desk was shipped by XXXX. The delivery driver mistakenly delivered it to the wrong address on XX/XX/year> and there was no building number or door letter visible in the delivery photo for me to decipher where the desk went. I attempted to dispute this with XXXX ( merchant ) and they refused to honor the XXXX money back guarantee for the circumstance when I contacted them. I reached out to XXXX to see if they can contact the delivery driver to determine where the package was delivered so that they could reimburse me and the XXXX investigation determined that all research efforts have been exhausted. This shipment has not been located. I reached out to truist bank for this to be resolved and initially requested that this dispute form be emailed as I travel for work. They did not send this form to me. Instead they mailed it and it was received later than expected. I called over XXXX times in the span of XXXX weeks to have this document emailed, the initial step in the process. I have since filled out this paperwork and have asked for several updates on it and no one has anything to offer. The charge is still on the card and there is no contact from truist or the XXXX. I am at my wits end with truist and need my money back.
Product: Mortgage

I applied for a loan modification with my mortgage company back in XXXX of 2023. The modification was approved and shortly after they transferred my mortgage to another company. I was told not to pay for the XXXX payment but instead pay for XXXX because that was the start of the modification for 3 months. After the mortgage was transferred, I kept calling to make sure this information was accurate because I did not want to have a late payment on my credit. Every-time I have called they told me they do not see a payment due for XXXX but they do see the one for XXXX. I went ahead and made that payment in late XXXX. I then went a step further and contact CrossCountry through the XXXX XXXX XXXX to verify that this was in fact accurate. The response I got was that there were no payment due in XXXX and XXXX payment is next due to the modification. Now we are in late XXXX and I keep getting letter stating that I have a past due amount. This is extremely frustrating because no one knows what's going on with the loan. I need this issue resolved.
Product: Checking or savings account

On XX/XX/2023 I disputed unauthorized transactions that were made on my account I sent in documentation that was needed. And while I was awaiting my dispute status they permanently closed my account with my funds and would not release them. They wanted to put me on a 180 day hold before I was able to get an answer if I was able to get my funds out of my account and they then closed the case
Product: Debt collection

On XX/XX/2024 I paid both medical debts with the agreement they would delete from my account. They were supposed to send me a letter of deletion that I could show to my mortgage lender in order to approve for my home loan. 
I did not receive a letter of deletion though, just a receipt for payment. I need the proof they promised that these accounts would be removed from my credit report.
Product: Checking or savings account

On XX/XX/XXXX Bank of America allowed a collection agency to debt my bank account for XXXX plus XXXX for a unknown transaction Bank levy that I have no knowledge of and debited government funds out the account and claim they have no way of reversing the transaction. My account also the same month was hacked for XXXX they are intentionally letting this happen.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Have been paying on this car since my son was XXXX he is now XXXX. The total of the car was XXXX. When I ask what the pat off was just last week XX/XX/year>, they are stating the pay off would be XXXX. After paying on this car since my son was XXXX it's like we have been paying for it to never get paid off. We have only refinanced this car one time. Everytine we call and let them know that we are going to be a few days late, they add charges that are outrageous. My sons father has been paying on this car for us. He had a XXXX XXXX and couldn't do his profession, therefore there was no income for a few months. In this they actually said they were helping by giving us the opportunity to pay half of the car payment, etc. Come to find out, One main has added extra hidden fees on even when that was going on. We were not told of the hidden fees that were involved for this to supposedly help us.
Product: Debt collection

I do have ins with my employer and I have the flexible spending acct. I do not owe any medical bill for {$50.00} I have asked for proof that this is my debt and they have fail to do so.