23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX and I am writing this email in regards to numerous violations of the FDCPA. XXXX XXXX XXXX is a daughter company to Navient who is contracted by XXXX XXXX to collect on this debt. I assume that XXXX XXXX forwarded on my contact information when they contracted you. When they did that, XXXX XXXX gave you my address and phone number. XXXX XXXX had my number as a ceased do not contact number therefore you all decided to call my XXXX sisters on XX/XX/2018. 

You called XXXX on XX/XX/2018 and left a generic message. When she called back in on XX/XX/2018 she asked who you were with and you would not tell her but only said its a personal matter. According to the FDCPA you have to disclose who you are with but can not state it is an attempt to collect a debt. You also called XXXX on XX/XX/2018 and left a generic message. She again called back on XX/XX/2018 and spoke to XXXX who advised her she would not receive another call! My XXXX sisters called me on XX/XX/2018 stating they received calls from you. So that same day at XXXX XXXX   CST on XX/XX/2018 I called in and gave you all the information you all needed. I stated you can send me information by mail but do not call my cell and do not contact my XXXX sisters again. 

Well on XX/XX/2018 you called my sister again at XXXX and this is another clear violation of the FDCPA as she advised on XX/XX/2018 to not call her again. On that same day I called in to request a formal complaint of the 2 FDCPA violations. 

On XX/XX/2018 I called into XXXX XXXX XXXX as I wanted the status of my complaint and was told by XXXX that it was still open. After telling XXXX of the XXXXwo options XXXX XXXX XXXX has he advised me that those were not going to happen. He then went on to say that if I did not enter into the loan rehabilitation program that they would garnish my wages. XXXX can not state that, as he does not know when and or how XXXX XXXX and or XXXX XXXX will take those actions or if they even will. 

Section 807 of the FDCPA SAYS AS FOLLOWS : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
( 13 ) The false representation or implication that documents are in legal process. 

Since XXXX says you all have no record of me calling in on XX/XX/2018 to advise you not to call my sisters again and give you all my updated information I am attaching my call logs from XXXX as you can clearly see. You all violated the FDCPA 3 different times. First being not disclosing who you were all with when XXXX called back in. Secondly when XXXX advised not to call her again but yet you all did on XX/XX/2018. Third on XX/XX/2018 when XXXX said to me " if you do not enter the loan rehabilitation program we will garnish your wages ''. 

Each of these violations carries a possible {$1000.00} fine on top of my loans being brought to a XXXX balance. So your option is to bring my account to a XXXX ( XXXX ) balance considered paid in full and or I will have to take another step with this.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I was denied my dispute under some shady conditions they violated many of the efta rules and regulations... They were to do an investigation and respond to me in 10 days and they took over a month to send me the email as to why they still denied my dispute... They show no regards to the efta rules and regulations .... This all took place on XX/XX/year> n it was a fraudulant withdrawl of {$790.00} to a card I never had seen before... I need help.
Product: Debt collection

XXXX XXXX XXXX has reported that I owe {$1100.00} with the listed account number as XXXX under my social security number. I have made 3 attempts to login to the National Credit systems website to both verify the debt and pay it. I have emailed the company with the issue that the website does not recognize my social security number, the account number the debt is reported under or the " exact amount owed '' listed on their web portal. 

The Original creditor listed is XXXX XXXX Apartments ; however the amount listed in my credit report does not match up to any communications by email or otherwise received from them. 

All communication needs to be via email for legal records purposes and ease of communication. I am located in XXXX and reasonable contact hours are not available from National credit systems. They have my email as I have emailed them multiple times.
Product: Mortgage

SLS wants to sell my home without try to Assist me first they are under law suites tor having the same pattern and doing the same thing to other home owners They only want to make me hone less from the beginning they effort is just to put me out in the street
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes this morning when I saw unfamiliar accounts on my credit report. Ive always been careful to check my credit, and today was the first time something so unsettling has shown up. Even after refreshing the page multiple times, these accounts didnt disappear. Im incredibly worried and need the documents Ive provided to be inspected with care, so I never have to go through this nightmare again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized credit inquiry made on my credit file from Charles Schwab. On XX/XX/2019, a fraudulent account was opened with Charles Schwab. I contacted the company immediately advising that this account was not opened by myself. I requested to have the account closed and the credit inquiry removed from my credit file. I followed up with Charles Schwab on Monday XX/XX/2019, to advised that the credit inquiry was still on my credit file. I requested a copy of the letter that was sent to the credit reporting agency for the removal of the inquiry, the company advised that the letter could not be provided due to being an internal system that is used to submit the request. Charles Schwab advised to allow until XX/XX/2019, for the inquiry to be removed. It is now XX/XX/2019, and the inquiry remains on my credit file and no follow up has been completed by the company.
Product: Credit reporting or other personal consumer reports

Kovo Inc is reporting three late payments ( 30, 60, and 90 days past due ) for both accounts [ Account Numbers : XXXX and XXXX ]. These entries are inconsistent with my payment history. Despite disputes submitted on XX/XX/year>, Kovo Inc has failed to provide validation. 

This letter serves as a formal request for investigation and validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Issues Identified Account XXXX [ XXXX ] : Three late payments ( 30, 60, and 90 days past due ) have been reported inaccurately. 
A past-due amount of {$30.00} is listed without proper validation or notice. 
Account XXXX [ XXXX ] : Similar late payment markers ( XXXX, XXXX, and 90 days past due ) and a {$30.00} past-due balance are being inaccurately reported.

Consumer Law Violations 15 U.S.C. 1681i ( a ) : Under the FCRA, I have the right to dispute the completeness or accuracy of any item on my credit report. Kovo Inc is obligated to investigate and correct any inaccurate information.

15 U.S.C. 1692g : The FDCPA requires creditors or collectors to validate debts upon request. This includes providing accurate documentation of the delinquency and any supporting information.

Demands for Validation and Resolution I request that Kovo Inc conduct a thorough investigation and provide the following : Validation of the reported late payments, including dates, payment history, and proof of delinquency notices sent to me. 
Documentation to substantiate the {$30.00} past-due amount for both accounts, including itemized charges, fees, and original agreements.

Immediate removal of any unvalidated or inaccurate information from all credit reporting agencies.

Attached is a copy of the debt validation letter, copy of my DL, Credit Report, SS Card, Insurance Card for address verification.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am filing this complaint myself against Ford Motor Credit for a 30 day late payment they reported on my credit report in XX/XX/2022. This 30 day late payment was reported due to a bank error on Ford Motor Credit 's end. In XX/XX/2022 I requested to have my lease extended due to the fact the new vehicle that I ordered from XXXX was not available yet. I provided Ford Motor Credit the order receipt to show that I was waiting on a new vehicle and in the meantime they were to extend my lease. I was waiting for my New Payment amount, and new payment date to be generated as their were no options to pay online because the new payment amount was not available on the system. I don't know how Ford Motor Credit expected me to make a payment when the option was not available by phone or online. This is clearly a bank error and needs to be corrected as this affected my ability to refinance my home because this Inaccurate Late Payment Reported by Ford Motor Credit has dropped my credit score XXXX points. I need this to be corrected in the next 30 days. I have consulted with a credit attorney that I have not hired yet to know my rights and what to expect. I am expecting this to be corrected in the next 30 days so I can save my time and energy hiring these attorneys to help me correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XXXX of XXXX but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped XXXX points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency convergent.
Product: Checking or savings account

On XXXX I tried to sign up for a new checking account at www.chime.com After completing the entire process I received a message telling me that they couldn't create an account and customer service wouldn't be able to help me any further. 

The application process required I provide my social security number, date of birth, mailing address, full name, phone number and email address. 

Following their instructions, I called XXXX and was asked to verify my social security number, date of birth, mailing address, full name, phone number and email address with " SIX '' different representatives. I was told that I needed to email XXXX for additional help. 

I emailed XXXX 6 times and was delivered the same message I originally was given when my account couldn't be established. Different members from the support department at XXXX were simply copying and pasting the same message back without answering any of my questions for help. 

I called XXXX again and spoke with 3 different supervisors and a department manager. Since an account couldn't be created for me and no one was able to help, for some reason, I asked to have my personal information deleted from their software systems. 

I was told they couldn't help me, even after they keep asking for my SS #, etc. 

All I want is to be sure that my personal information IS REMOVED from their systems. 

By law, they are supposed to have a data retention policy. They were unable to provide me with any additional information and kept telling me to email XXXX. 

The email responses are ALWAYS the same message without any explanation and no one at the company is willing to help ensure that my personal information isn't going to stay with this company, who has refused to provide me with ANY account access to see or manage my information. 

This is unlawful, breaking several US banking laws! 

Please advise.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft back in 2014 where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.
Product: Credit reporting or other personal consumer reports

TransUnion & other reporting Agencies report my name as XXXX XXXX XXXX & / XXXX XXXX but it should only be reported as XXXX XXXX XXXX I have never been used any other way XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there should be no other address listed except XXXX XXXX XXXX XXXXXXXX XXXX But they have unauthorizedly been reporting several they have not been authorized to report such as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as well as an employment job referencing XXXX XXXX  and has never been given authorization to use
Product: Student loan

I had 4 separate private loans through Sallie Mae. When i went to refinance my student loans through XXXX XXXX they could only cover 3 of my loans for pay off. When i gave XXXX the information for each individual loan for pay off they dispersed the money with a document stating how much money was to be applied to each loan, XXXX XXXX had no knowledge of me having a 4th loan with Sallie Mae therefore when they sent the money for payoff they listed the 3 loans that would be paid off. When Sallie Mae received the check they applied the money how they wanted to, and took the pay off check and applied it to all 4 of my loans. Simply ignoring the paper work that stated what loans were to be affected by the pay off. Sallie Mae applied the money how they wanted too in an effort to keep me as a customer with 4 loans and 4 separate interests rates to make more money off me rather then applying the money how it was directed to be applied which would have left me with 1 loan with and 1 interest rate. Sallie Mae took it upon themselves to apply the money as they wanted and when i spoke with them all the could offer was an apology. But my other concern is that when XXXX or any company at that chose to refinance a loan for pay off they always send extra money in the check to cover any interest accrued during that period of time. When it came time for Sallie Mae to refund the over payment that had no idea how much it was suppose to be for because they messed up on properly applying the money they received for the pay off of my loans. After taking the time to figure out the correct amount of money that i was owed from the over payment, Sallie Mae argued over the amount i said was owed to me. After speaking with about 5 different people at Sallie Mae i was giving a different amount of money that was owed every time i spoke with someone there. My account online read i was owed XXXX while Sallie Mae was only trying to pay back XXXX when i asked how my accountant reads this number and your telling me another amount they had no answer for it. When i brought to their attention that I was aware that they were under investigation for falsely applying customers payments they quickly agreed to send me the check for XXXX with no questions asked. But my problem is that i am actually owed more then XXXX, i am owed approximately 500 dollars more. After i received the check for XXXX i cant seem top get a phone call back or find anyone to speak with you can help me.
Product: Consumer Loan

I have a car loan through Consumer Portfolio Services. I signed the loan paper through the car dealership to pay the car off after a certain number of payments. However, I do not understand how this company works. Each time I make a payment they change the amount of money that they take of the amount of the loan and how much they charge in interest. For instance one month they took off {$58.00} the principal the next month they took of XXXX, the next month {$140.00}, then another month {$0.00}. At the rate this is going I will never pay off this car loan. I feel as though I am a victim of predatory lending. 

Also, twice I had an issue making a payment. I set up automatic payment to be drafted out of my bank account online. It was never drafted out of my account when I set it up to come out so I had to go online and make a manual payment which cost approx {$7.00}. Then recently I made an online payment with an e-check and the check was returned. I went back into my email to check the confirmation and I noticed that under the account number it had for my bank account it had my husbands social security number. There is no way I would put my husbands social security number in for my bank account number. I feel like I have been set up twice to have my payments not go through twice and have to pay a fee. I am extremely unhappy with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute hard inqurie on my account with experian and they fail to verify these inquiry on my credit file, and also I have been trying for two months to file a dispute online with experian and it keep on giving me a error message and I have call experian about it and they keep on telling me it will be back up soon and two months now and it still doesn't work.
Product: Debt collection

XXXX i took out a loan for a toy. family hardship came about and i had to have the bike reposesed. i was never served with any paperwork after the reposesotion. i was never served with any notice when the account was taken over by pacific credit exchange. Now its XXXX, almost 8 years later without notification my wages are being garnished and the original amount has been hit with massive amount of interest like 200 %. the account has been closed and cleared from all my credit reports and nothing in the mail, so i didn't have any idea this debt even existed till the garnishment went threw. Now i'm fighting the wage garnishment. Pacific credit exchange wont communicate with me. I've been called every disgraceful and nasty comment / name from their employees. XXXX and XXXX XXXX. The manager won't call me back. I feel this is unjust and should be reprimanded for this behavior against the debtor.
Product: Vehicle loan or lease

On XXXX XXXX I applied in good faith for vehicle financing at XXXXXXXX XXXX XXXXXXXX car dealership. One of the banks/lenders that denied me was Consumer Portfolio Services. I the consumer and natural person was denied credit by Consumer Portfolio Services when I applied for a vehicle. Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 U.S.C 1692 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ). Consumer Portfolio Services is subject to criminal liability for violating 15 U.S.C 1691 as I have proof I was discriminated against by Consumer Portfolio Services due to the response I received. Consumer Portfolio Services is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer made an application in good faith and credit was not issued. Furthermore because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Consumer Portfolio Services. The social security card is NOT an identifying document. The Credit Reporting Agencies are private companies that are not government affiliated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 


Names on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account was paid in full. Since I questioned this account with the debt collector they have a totally new account number. I asked for the information to be sent to me multiple times and still have not received in information from the collection agency. I 've called in multiple times and their associates are rude and very obnoxious, when trying to get information to clear up the discrepancy.