23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Every single day in the last 2 months Halsted Financial Services, LLC calls my number ( XXXX ) XXXX saying they are recording the call, wanting to confirm the last 4 digits of my social security number, and telling me they are calling on behalf of XXXX XXXX for a XXXX debt of {$3000.00} some odd dollars that I have not paid in 3 years. I have spoken to 3 different men at Halsted. I have told them I do owe the debt, I can not pay the debt, I lost my job on XX/XX/XXXX, I work in a very low paying field when I do work, and I will never be able to pay the debt. I own nothing, I have nothing, I live from hand to mouth. I have told them this 3 times already. They continue to call. My XXXX year old mother has this telephone near her. She is answering only to be hung up on. They ask for no one, they just hang up on her. If I could afford to pay my debt I would, but I can not and suffice it to say, they are trying to get something from nothing. Now that I have explained the situation to them and they have " wished me well '', why do they continue to call that number and harass my XXXX year old mother? Thank you!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I was advised by my attorney to make a complaint. 

I am physically XXXX with a XXXX XXXX XXXX and Im bound to my XXXX. I was awarded a vehicle loan by santander consumer USA, and I chose a XXXX XXXX from XXXX in XX/XX/XXXX. The way the loan was structured I would be paying 200 % of the vehicles value and after multiple failed attempts and no help from the staff or reps at the company I was forced to file for bankruptcy in XX/XX/XXXX. I even called to see if there were any payment options due to my situation being XXXX and me not having a steady income and having medical issues, such as my XXXX breaking down or no assistance ( no nurse ) the company still refused to assist me in any way. Lastly I acquired 2 loan companies who were willing to refinance and take over the loan near a 3 % APR and Santander still refused. The companies offering the new rate were upfront with me and wondered how did I even get the loan because I had no drivers license. The gentlemen suggested I need to look into it and advised me I may have been targeted just to access may income. After great assistance from the law firm that assisted in filing my chapter XXXX bankruptcy due to Santanders ' unfair practices I am picking up the pieces of my financial ruin. Im not completely blaming them however because of their greed and very confusing XXXX financing terms I was put in a position to fold ( for lack of a better word ). The file attached is a financial payment history document I sent to my attorney after Santander reps advised they would no longer work with me and they will deal with my attorney if need be.
Product: Student loan

According to XXXX I have 7 late payments for my student loans accounts open back in XXXX. It was reported on my credit as late payments when I was actually in forbearance on my loans for the year and months the late payment was reported. As of XXXX my loans are deferred because I am still currently in school. I called both the department of education and AES and opened up disputes for inaccurately reporting those late payments. Both loan servicing companies informed me that this sometimes happen because the forbearance take a while from the time its issued from the time its reported resulting in a late payment status which is drastically affecting my credit score.
Product: Mortgage

Now, Seterus is falsely claiming a debt and loan from XXXX. We have and will continually deny this fraudulent debt and loan made by Seterus. Our communication to Seterus was/is very simple ; do not contact us again because you all " Seterus '' is now claiming to have/servicing a Loan from XXXX plus ( XXXX and its affiliates ) are in violations of Federal Laws by continual harassments and threats. Therefore, you all Seterus plus ( XXXX and its affiliates ) need to stop making fraudulent claim about they have a lien on our property and owe a loan through XXXX because Seterus are trying to make a claim and a false foreclosure on my property which lead to defamation of our character. " Allegedly, Seterus plus XXXX, XXXX/ XXXX XXXX , XXXX etc. have committed fraud and continue to do so because they never had a lien on our house from the off-set or the inception of our mortgage ( See attachments ). " See the previous complaints made by us '' Submitted by XXXX XXXX and XXXX XXXX
Product: Debt collection

Dear TRANSWORLD SYSTEMS I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with [ Account Number, if available ]. 
Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all contact with me immediately. This includes, but is not limited to, phone calls, letters, emails, or any other form of communication.

If you believe this debt is valid and intend to take legal action, you may communicate with me only for the purpose of informing me of such action. Otherwise, any further contact from your agency will be considered harassment and a violation of federal law, for which I will not hesitate to take legal action.

Please provide written confirmation that you have received this request and that all collection efforts on your part have ceased.
Product: Student loan

I have nearly {$400000.00} in student loan debt processed by XXXX. In XX/XX/XXXX I had requested to change my income driven payment option from income based repayment to Pay As You Earn repayment. The process placed me in forbearance for greater than 1 year and I had lost XXXX payments toward public service loan forgiveness. I was not informed that this income based repayment transition would take up to 1 year and that my interest would capitialize during the forbearance process. 
I have requested a detailed account of all my payments in XX/XX/XXXX, despite many repeated phone calls I have not yet received my payment audit nor an explanation why I was in forbearance for 1 years for a simple payment option switch. 
Each time I call I am told nothing can be done and to call back in a month. This has been dragging out for over a year. This is unacceptable of a government organization.
Product: Payday loan, title loan, personal loan, or advance loan

Net credit has many loans you can take out they happen to put me in a personal line of credit when I had the money transfer to my checking account on the XXXX of XXXX they charged me {$10.00} for every XXXX and called it a cash advance then on the XXXX of XXXX at the end of the billing. They charged me another {$10.00} on every XXXX for not having it paid off in less than two weeks or 3 weeks so they charged me {$20.00} on every XXXX equaling {$560.00} I called and requested information why it wasn't until the next billing. Which would be the XXXX of XXXX or at least my due date is on the XXXX it's not even the XXXX of XXXX and I can not see paying {$560.00} for fees I won't even be able to pay off the loan they will keep charging me this every month. I feel like they're a loan shark because they call it the billing cycle but a billing cycle is when you've had a month given an opportunity to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are at least six ( 6 ) instances where my name is being inaccurately reported.

6 different names that are not mine. I requested deletion of all names except my actual name.

There are at least twenty-three ( 23 ) instances where an address is being inaccurately reported as my address.

I requested deletion of all other addresses that was not mine.

There are at least three ( 3 ) instances where my phone number is being inaccurately reported.

I requested deletion of all other names.

There are at least four ( 4 ) instances where my employment is being inaccurately reported.

I did not consent to those agencies furnishing reports with incorrect names, addresses, phone numbers, and employers. I believe this is either provided fraudulently and/or invites fraudulent actors to take advantage of such an inaccurate report. 


My only name is : XXXX XXXX My only address is as follows : XXXX XXXX XXXX XXXX, Florida XXXX My only phone number is : ( XXXX ) XXXX My only employment is : Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX, I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION FROM EXPERIAN, XXXX, AND XXXX. ON AN ALLEGED LATE PAYMENT ON A CREDIT CARD, I'VE HAD OVER 7 YEARS. 

I HAVE PAID AS AGREED AND NEVER BEEN LATE. 

ON TOP OF THAT WHEN I VIEWED MY REPORT THERE WERE A LOT OF INACCURACIES ON MY ACCOUNT, FROM AMOUNT OWED, BALANCE, OPENING DATE, JUST SEVERAL THINGS ARE INACCURATE. 

TODAY IS XXXX ALMOST 60 DAYS SINCE I SENT OFF ALL LETTERS CERTIFIED ASKING THEM TO VERIFY THE ALLEGED LATE PAYMENT AND THE OTHER ITEMS THAT ARE INACCURATE ON THIS ACCOUNT. 

ON XXXX, ALMOST A MONTH AGO I SUBMITTED A COMPLAINT TO THE I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late. 

STILL NO RESPONSE. 

COMPLAINT NUMBER XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against TransUnion for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored. As a result, TransUnion is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing.

Account Information and Discrepancies : TransUnion TransUnion continues to report multiple late payments, despite previously submitted disputes. Specifically : XXXX XXXX XXXX : Shows multiple late payments ( XXXXXXXX XXXX XXXX XXXX days late ), culminating in a XXXX late payment. 
Days Late - 7 Year History : TransUnion is inaccurately reporting 30 days ( 3 times ), 60 days ( 2 times ), and 90 days ( 5 times ). 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by TransUnion. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I have a loan with WELLS FARGO DEALER SVC. 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, XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, XXXX XXXX.
Product: Debt collection

RPM Receivables claimed I owe {$1100.00} on a closed XXXX XXXX XXXX account. The account was closed in XXXX of 2016. <P/>The company called me today with a Washington State number, it was from an XXXX call center. They asked for me by name, I asked who was calling? I heard a click and another agent came on the line. The call center rep, in a rush spoke very fast, with my name and cell phone number, then hung up. After learning about what the call was about, I immediately told the agent that I had no such debt with XXXX XXXX XXXX when I cancelled my service. He was adamant about setting up a payment arrangement. I further advised, I wish to dispute it. He again asked to set up a payment arrangement. I advised him this was not a valid debt. He then advised he would flag the account as disputed.
Product: Debt collection

they did jail me for failure to answer interogitories that they already had answers to and they brought the suit without legal standing due to the time elapsed they keep changeing agencys to subvert the law on deadlines they have attatched exempted funds and although the amount showing paid is more than the original owed 12 years ago they still say they are owed more the humiliation of a night in jail is worth more then any amount they can conjure with their creative accounting.
Product: Mortgage

My bank has placed a foreclosure date on my home. I have placed my home on the market and we finally received an offer which was presented to the bank and denied due to the foreclosure date I also submitted my documentation requesting for a mediation which were submitted late due to lack of knowledge by the person helping us save our home, a date of XXXX XXXX, 2015 has been giving but my bank continues to proceed with the foreclosure process.
Product: Credit card or prepaid card

I have been trying to get a replacement card from Huntington Bank, Business Master Card since XXXX of 2021. I have called them more than 5 times to request a replacement card, each time I am told it will be mailed to me. I never receive a new card and Huntington always appear surprised and offer to send it again. I have ask to talk with management, it gets me someone else but NO additional help in the matter. I now see a charge of interest fees, even with a XXXX balance??? If the card company wants the account closed, I want to know why? Ive always maintained the payments in a timely manner. 
This should be illegal to do to a consumer. My guess is they don't want me to have the card with such a low interest rate, and forcing me to close the account. 
Unfortunately I do not have the card number. At the time in XXXX of 2021, I never thought about this position Im in right now. I believe I cut up and thrown away the old card, because a new one was coming. 
Any help and/or guidance would be very appreciated. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following alleged account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I'm requesting LexisNexis to reinvestigate and delete this account attached ( XXXX  XXXX Bankruptcy # XXXX ) Theyve stated everything was complete and accurate. But how is that possible if the date filed and much more is incorrect and whether if it's a XXXX  XXXX or XXXX XXXX. According to 15 USC 1681i ( 5 ) they are suppose to delete accounts if it isn't reporting correctly. 

Also. 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.

also, this account isnt in compliance with metro 2 credit reporting. Which is required by Federal Law. I have evidence to prove my case which is attached.

If your company doesnt honor my request to remove the above mentioned alleged account, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA .
Product: Credit reporting or other personal consumer reports

Trans Union has my name and my XXXX  surname along with his Social Security number under my actual name and I have sent them a certified letter in the mail. It shows that they did receive it and I called them to inform them of that and theyre telling me that my XXXX Social Security information is under my name. They have illegally miss used my information to make it look like that. I am all in one person, knowing that I do have a XXXX XXXX I really need someone from your department to reach out to me ASAP because they have violated my sensitive personal information that involves of the Privacy law act. 
Trans Union also sent me a letter in the mail stating that I need to send information in regards to verify my identity but I did send him a certified letter with a copy of my ID and any other information that was provided to them at their request they still have failed to update all the information and theyre still using my XXXX Social Security information Under my actual name when they send my mail to me. They have it as XXXX XXXX XXXX XXXX that is not my actual name. I do not have a surname. I am just XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX & XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX 'S XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, have 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

I previously submitted a complaint on XXXX, XXXX, and Equifax, they responded, and it was closed. 

According to the Fair Credit Reporting Act, XXXX, XXXX, and Equifax are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.
Product: Credit reporting or other personal consumer reports

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

Please delete the following items XXXX XXXX INT ( Original Creditor : XXXX XXXX XXXX XXXX NY ) XXXX BALANCED {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$55.00XX/XX/XXXXXXXX XXXX BALANCED {$2000.00} XXXX XX/XX/XXXX - XXXX/XXXX/2024 XX/XX/XXXX XXXX - XX/XX/scrub>/2024 XXXX XXXX - XXXX/XXXX/2024 XX/XX/XXXX XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account has been opened up. My identity has been stolen and used fraudulently.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance XXXX {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX