23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pursuant to the Truth in Lending Act Regulation Z, I am the " creditor '' and " consumer ''. XXXX XXXX, XXXX has sent me a bill making it a " debt collector '' via its monthly written statements as to its form of " communication '' to me. 

LXXXX XXXX XXXX claims that I owe an alleged debt and has told me numerous times that I have an alleged debt to pay. As the " consumer '', XXXX XXXX, XXXX never had my consent to even contact me. Even so, it has communicated with more than one location with my non-public information that it has shared with other companies including Lakeview Loan Servicing , LLC and its payment center. I demand that XXXX XXXX XXXX cease and desist communications and I refuse to pay the alleged debt as a consumer. The action that XXXX XXXX, XXXX is taking is harassment and there is no alleged debt as all mortgage loans are prepaid. I request that this company stop using false, misleading, and deceptive tactics. There's no possible way that it to invoke a specified remedy as it, the " debt collectors '' can not use attorneys as there are none. This company 's unfair business practice was created in deception and fraud as it has obtained finances from me the " consumer '' through pre-meditated extortion to take legal actions when it has no authority. 

I, the " consumer '' challenged this alleged debt with a debt validation notice. I demand that all payments ever made to XXXX XXXX XXXX be refunded back to XXXX XXXX as this is a fraudulent scheme that XXXX XXXX XXXX  has created. 

XXXX XXXX XXXX is asking for " payment '' which means a payment that is made to further the commercial development of oil, natural gas, or minerals ; and not de minimus ; and include taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals. I can not pay XXXX XXXX XXXX  as I do not operate any of the three resources mentioned above as oil, natural gas, or minerals.
Product: Debt collection

I was declined credit due to a an unpaid balance, as I was not aware of any unpaid balances I ran my annual credit report. I found this on my report : I C SYSTEM INC Potentially Negative potentially negative icon show account button Account NameI C SYSTEM INC Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$8600.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$8600.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$8600.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX This is for someone else entirely, I've never used XXXX, I've actually had a company paid phone since XXXX, and it's with XXXX XXXX. In addition, I've used XXXX XXXX ( now XXXX ) for internet since I've had internet.

I have over 7 lines of credit going back 7 years and not one late  payment, and I typically pay my full balance unless it's during a promotional zero interest period. 

Please let me know what to do as this is VERY unsettling. Thank you SO much! 

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

I paid all my payments before the 30 days and still recievee credit markers
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's Credit Tracker in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX and XXXX XXXX we obtained sometime in XX/XX/XXXX.  Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau . It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.
Product: Credit reporting or other personal consumer reports

Accounts opened using my personal information that are not mine. 
XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$290.00} ) XXXX XXXX  XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Open Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$290.00} ) XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX Open Date : XX/XX/XXXX ( Balance {$1100.00} ) XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$710.00} ) XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance : {$870.00} ) XXXX XXXX XXXXXXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance : XXXX ) False Inquiries 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 XXXXXXXX XXXX XXXX XX/XX/XXXX False Personal Information XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I request that you investigate these fraudulent items and remove them from my credit report immediately. This information is damaging my credit score and is affecting my ability to obtain credit. Please note that the inclusion of this fraudulent information violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a fair and accurate credit report, which includes the removal of fraudulent information. I have also filed a report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. I can provide this report to you upon request. Please inform me of the actions you will take to resolve this matter.
Product: Credit reporting or other personal consumer reports

Greetings Consumer Financial Protection Bureau, I'm filing a complaint with the listed companies due to obtaining a copy of my personal Credit report without my permission, also The three credit Bureaus are allowing personal information along with accounts that are not mine, I've written the debt companies along with the credit Stating " you're reporting XXXX Social Security Numbers that are not mine, along with misspelling of my name clearly this isn't my information I've sent requested information to Verify Myself. 
accounts XXXX XXXX XXXX account number ( XXXX ) XXXX XXXX XXXX XXXX Account Number ( XXXX ) XXXX Bankruptcy XXXX  XXXX Reference Number ( XXXX ) UNAUTHORIZED INQUIRIES XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed several billing mistakes on my credit report. Correct these inaccuracies to reflect my typical payment behavior.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent in letters to the credit bureaus informing them about the inaccurate negative items on my credit profile. I asked them to send me proof of the inaccuracies and they have yet to do it. It's been well over 30 days and today makes day XXXX. 

For the XXXX account with the account # XXXX, It's reporting positive on XXXX but negative on Experian. The payment status is unknown on Experian but is listed as current on XXXX. This is clearly false reporting and according to the FCRA anything that's being reported incorrectly must be deleted at once. Next we have the XXXX credit card, account # XXXX, the XXXX credit card, account # XXXX, and the XXXX XXXX account, account # XXXX reporting late payments. I was never late on any of these accounts. 

I asked the credit bureaus to please supply documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting on my accounts and they could not supply this, and to remove the alleged late payments from my report per USC 15 1666B, a creditor may not treat a payment on a credit card as an open ended consumer credit plan! I have yet to get a response from them. 

Finally, for the XXXX account, account # XXXX, the late payment status is blank on Experian but is stating 90 days late ( 2 ) on XXXX displaying further evidence of false inaccurate reporting. These inaccuracies on my credit report has caused me a tremendous amount of stress and if these items aren't removed at once I will be forced to file for litigation. I was a victim of the XXXX data breach and other recent breaches and I know my information has been compromised. Thanks for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote to XXXX, XXXX  and Transunion requesting an investigation into items that I believed were INNACCURATE To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. On XX/XX/2020 I sent another Letter to the Bureaus and to date i still have not received a reply or acknowledgment. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Mortgage

We had cancelled a Forbearance on our account on Friday XX/XX/2020, At that time we paid our balance {$7900.00} and brought our account up to date. The reason we are needing this document, is that we are in the process of trying to close on our Refinance with another company at a much much lower interest rate. 
Shellpoint Mortgage stated they would get that cancellation notice emailed to me in 1-2 days. 
I have been having to reschedule our closing date due to Shellpoint not getting our Forbearance cancellation out as they said they would. 
I have spoked to numerous people and they all now say something different or come up with another reason. 
Just this morning they're telling me it will take another 10 business days. 
I feel I've been getting the runaround and they really could care less. 
I have done all I can on my part and I'm just afraid I will never be able to see this simple document stating the forbearance has been cancelled and I will never be able to go through with my refi. 
I've read numerous reviews about this company and they all seem to be negative. Please Please look into this for us.
Product: Credit card

A purchase was made at XXXX in XXXX, Va on XXXX XXXX for {$260.00}. The purchase was made using my credit card number. I did not make this purchase. I have talk with the fraud division of Wells Fargo Visa card. The first time on XX/XX/XXXX and filed a complaint. It was rejected on XX/XX/XXXX. I made a second complaint on XX/XX/XXXX in writing. And included the information from XXXX fraud division, that they had no record of this transaction on that date by my card for that amount. Wells Fargo again rejected my claim on XXXXXXXX XXXX.I have all the necessary paper work and have given it to Wells Fargo Fraud.This card was cancelled and I was issued on new card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters with complete attachments of my personal information. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureau 's end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries and inaccurate addresses listed below 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
Product: Checking or savings account

TD bank is ending in predatory banking practices including making profits from its banking customers, including me. I petition this organization to create policies and laws that help protect consumers like me. When banks become gang practicing institutions and are too greedy and selfish with regard to customer concerns, then the whole financial sector is in trouble. Please help fix this problem before millions of Americans suffer as a result of predatory banks like TD bank. I am tired of the way this bank operates. This bank is immoral and predatory in its overdraft fees practices. Please hear and help me. Please please help fix this banks overdraft fees problem before Americans like me pay hefty prices to keep this bank afloat with its evil practices of taking advantage of poor customers. Amen
Product: Credit reporting, credit repair services, or other personal consumer reports

My Dispute is detailed and related to the accounts listed in this letter. I am exercising my rights under FCRA 611 ( a ) ( 7 ) for you to furnish copies of all documents you used to verify the accounts listed within the 30 days allowed by FCRA law or delete them immediately. 
If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Product: Mortgage

An Affidavit of Truth Final Opportunity To Cure was sent to representative ( s ) and/or Agent ( s ) of SLS Loan Servicing on XXXX XXXX, 2015 pursuant to the federal FDCPA and Title 15 section 1241 of the Real Estate Protection Act. SLS was required to respond to questions pursuant to the FDCPA in thirty ( 30 ) days. SLS has dishonored. SLS has also failed to timely respond to issues pursuant to " RESPA ''. SLS in addition to XXXX XXXX XXXX, XXXX lack standing in this matter and claims that a debt is owed to them are frivolous. SLS in addition to XXXX XXXX XXXX have had more than enough time to Cure their Fault. SLS continues to hinder my life & liberty with inaccurate reporting on my Consumer Credit Report. SLS claim is on its face and I have supported all facts with material evidence. This is my final attempt to obtain private remedy before moving my complaint to a court of competent jurisdiction.
Product: Debt collection

I am writing to you with a sense of urgency and frustration regarding the grave inaccuracies in my credit report. Your failure to report accurate information is affecting my ability to secure a mortgage and is also causing me a great deal of stress. I have discovered several errors on my credit report which are impacting my credit score, and I demand that you take immediate and necessary action to rectify them. I have done my research and I know that it is your legal obligation to investigate and resolve disputes within a 30-day period. The following are the inaccuracies that I have identified : WF XXXX XXXX, WF XXXX XXXX, WF XXXX XXXX, and XXXX XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

Dear Federal Trade Commission, I am filing a formal complaint against Toyota Financial Services for their unfair debt collection practices and misleading communication regarding a total loss claim following a car accident. 

On XX/XX/XXXX, I was involved in a serious car accident where I was rear-ended by a driver who fell asleep at the wheel. I sustained significant XXXX injuries that required extensive medical treatment, as evidenced in the attached medical reports. My XXXX Toyota XXXX XXXX, which was financed through Toyota Financial Services, was totaled in the accident. 

Immediately following the accident, I contacted Toyota Financial Services to inform them of the situation. A representative instructed me to stop making payments on the vehicle while they initiated the total loss process with the at-fault driver 's insurance company. Throughout this entire process, Toyota Financial Services failed to provide clear communication on : Timeline : How long the total loss process would take. 
Expectations : What actions I needed to take, if any. 
Outcome : Whether insurance would cover the full loan balance. 
After approximately XXXX months of treatment, I reached out to Toyota Financial Services for an update on the total loss process. I was shocked to learn that they had received a settlement of {$8600.00} from the insurance company and written off the remaining balance. While this was done, I was never informed that I had an outstanding balance of {$1300.00} on the vehicle. 

Toyota Financial Services then referred my case to a collection agency. The collection agency offered to settle the debt for {$780.00} ( approximately 50 % of the original outstanding balance ) with the stipulation that the account would be reported as a " charge off '' on my credit report. This charge-off has had a significant negative impact on my creditworthiness, preventing me from securing essential things such as housing. 

I have repeatedly contacted Toyota Financial Services to request that they remove the charge-off given the circumstances and their failure to adequately inform me. They claim the account is marked as " settled '' and refuse to take further action. 

I believe Toyota Financial Services engaged in unfair and misleading practices by : Failing to provide clear communication : Regarding the total loss process, potential outstanding balances, and steps I needed to take. 
Inadequately Handling Debt Collection : By failing to notify me of the outstanding balance and referring the matter to collections without proper prior communication. 
Damaging Creditworthiness : By allowing this situation to result in a " charge off '' status on my credit report. 
I request that the Federal Trade Commission investigate this matter and take appropriate action to compel Toyota Financial Services to remove the charge-off from my credit report. Their actions have caused significant financial and emotional distress. 

Thank you for your attention to this matter. 


Attachments : Medical Reports
Product: Credit reporting or other personal consumer reports

Shortly after I discovered the fraud attached to my social security number, I sent the credit bureau a detail letter, telling them the information was fraud, requesting that they remove/block the fraudulent information from reporting and included XXXX attachments proving my identity and that the items listed were fraud. I filed an identity theft report, which I provided the bureau a copy, ( Report number XXXX ) and submitted reports to the federal trade commission, ( report number XXXX and XXXX ). Despite all the evidence, the bureau refused to block/remove the items, in direct violation of FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. '' I submitted the request and all evidence in XXXX this year. As evidenced in the attachment, yet it is still reflecting on my credit today. 
The credit bureau has made no effort to protect me and my information. They have sent no supporting documents proving the alleged debt. The only thing I received was saying they " did an investigation. '' Which is impossible, because had they truly investigated, they would have found the accounts are not under my legal name, literal public records ( listed with the state ) show otherwise and a XXXX XXXX search would show every insurance I have ever had. Not to mention, my credit is flawless. No late payments, nothing overdue in my life. 
Plus the XXXX XXXX XXXX is reporting different fraudulent balances to different bureaus. It is clearly fraud and should be removed for that inaccuracy in itself!
Product: Debt collection

Mid Atlantic Finance Company is claiming I owe {$1900.00} on a XXXX XXXX XXXX and are offering a settlement for an XXXX year old debt that does not belong to. Account XXXX and no proof of debt validation
Product: Debt collection

yesterday on my XXXX XXXX report i got a sudden notification from a collection agency named jefferson capital systems the original creditor was XXXX XXXX XXXX. i have never received any notice from either company of his debt or informed it would be going on my XXXX XXXX. i have no knowledge of the bill i would like these creditors removed from my XXXX XXXX.please let me know what information this company may need to resolve this issue. thank you. my gmail is XXXX.
Product: Checking or savings account

Barclays Bank online has locked my account and have now asked for all my account statements from other banks which I find very odd due to the fact that this is private information and those accounts are already linked to my savings account with them. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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
Product: Debt collection

I recently sent a letter to Experian about validation of this debt, this debt has been removed from XXXX and XXXX. I challenged the validity of XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, account was removed from my credit report account due to fraud. XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.