23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During lulls in work with my employer during the summer and fall of 2016, I sought help to keep other bills current by taking out loans against my vehicle and a personal loan backed by the vehicle. As things worsened I was unable to make the high-interest payments on the regular basis they wanted and sought some relief from the loan company. They gave a little relief on some of it, but a short time later XXXX XXXX repossessed my vehicle, selling it to settle my debts, but providing no documentation regarding the proceeds of the sale. They didn't provide any further details or overages, but then started collection action on the remaining loan. 


They later submitted the alleged balance to collection agencies, where it currently resides with AD Astra Recovery Services, which is currently reporting false or incomplete information, that doesn't show the original amount, doesn't show the payments I made, doesn't show that they may have been charging more than 200 % interest, nor that the loan should possibly have been paid off from proceeds from the sale of the vehicle.

I believe that AD Astra 's reporting of this is in violation of my rights, since even if the alleged amount is correct, it is incomplete and misleading since I had made consistent payments to them, and is very negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

A

s a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX
Product: Credit card

I just made a call to Apple Card issued by Goldman Sachs to lower my credit limit. However, the representative mentioned that there was no such option to do so. I felt that's a risk posed on my potential using and I want to lower it.
Product: Checking or savings account

I was previously a XXXX member. I closed my account with them after they changed the amount you had to spend in order to receive free shipping of your items. But they have continued to charge me for membership. I have called and talked to managers 3 times only for them to tell me that i was not being charged as a member. They advised i call my bank. A time period did lapse in the beginning after my calling because the bank had changed the website and i was unable to sign in to my account which i called the bank and told them about this problem several times. Always being told they would have someone call me which never happened. I was charged {$14.00} on XXXX, XXXX, XXXX, XXXX, and XX/XX/25. During those time periods i bought nothing from XXXX. I promptly told them when i saw that i was still being charged this amount once i was finally able to see my bank statements and they will probably continue to charge me because the bank says they did nothing wrong.
Product: Credit card or prepaid card

I started a Costco Visa card by Citibank approx XX/XX/XXXX. I have paid my total debits to Citibank every week from the beginning. Citibank started charging interest on an unpaid balance in XXXX or XX/XX/XXXX telling me there were charges before the end of the billing period. All debits are paid weekly so how could there be interest charges?
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
: XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$410.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$6800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting the account XXXX  ( Account Number : XXXX ) with a XXXX late payment history. I did not authorize or consent to report this account, and its reporting violates my rights under the FCRA, specifically 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. Additionally, I have noticed discrepancies between the information reported by Equifax and other credit bureaus, indicating a failure to maintain the maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). This inaccurate reporting has caused significant harm to my credit profile and negatively impacted my ability to secure financial opportunities. I demand an immediate investigation and removal of this account from my credit report. If this issue is not resolved promptly, I will pursue {$1000.00} in damages for willful non-compliance under 15 U.S.C. 1681n. Please address this matter urgently to avoid further action on my part.
Product: Mortgage

My financial institution mailed a check on XX/XX/XXXX. 

FBC Mortgage LLC mishandled my payment. They assigned a late fee on XX/XX/XXXX of {$53.00}. They cashed the check sent by my financial institution on XX/XX/XXXX on XX/XX/XXXX. 

I then wrote a letter explaining the situation to FBC Mortgage LLC on XX/XX/XXXX and asking for a refund of the late fee. To date I have recieved no response and recieved no credit on my account. 

It seems a questionable financial practice to take 20 calendar days to process a payment. It seems unfair to assess a late fee when payment was received within the required timeframe. It seems a calloused practice to ignore my written request for a refund of an unfair fee. 

To make matters worse I also called the payment processing dept. of this company on XX/XX/XXXX. I was offered an online payment service. I asked the representative if my payment delay would have been avoided by use of an online payment service. I was told by the rep. the company often mishandles automated payments. 

They are in need of an upgraded payment system but are unwilling to upgrade the system. 

I would like my mortgage sold and transferred to a financial institution that will treat me with the respect and dignity I deserve. I make my payments on time and have done so for over 16 years of homeownership with institutions like XXXX, XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT WAS PAID IN FULL HOWEVER COMPANY FAILED TO PROVIDE IRS DOCUMENTS AS CHARGE OFF ARE TO BE REPORTED TO THE IRS AND ARE CONSIDERED AS GROSS OR ORDINARY INCOME ( READ IRS PUBLICATION CANCELED DEBT XXXX ) ACCOUNT NUMBER : XXXX : PAID IN FULL ACOOUNT WAS CLOSED XXXX and has negatively impacted my credit score for reporting as Charge offs for numerous months after account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Product: Debt collection

Received letter stating " Important second notice '' offering to settle {$16000.00} for {$8000.00} at {$240.00} per month for 36 months. Call XXXX to accept this offer. I have no such debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate and unauthorized collection being reported on my credit report by Experian. I have previously requested that the debt collector reporting this account cease communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which states that debt collectors must stop all forms of communication after a cease-and-desist request. Despite this, the debt collector is still reporting the account to the credit bureau, which constitutes a form of communication that directly impacts my credit score and financial standing. This reporting violates the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate and continues to be reported even after my dispute.
Product: Credit card

I got scam, sent money to paypal. Within 21 days, I filed for a dispute because I never got any product/ services from the seller. Paypal refused to dispute. 

On XX/XX/XXXX, I called customer services and want to stop {$1600.00} to the scammer. Paypal still let that money went through and asked me to pay back XXXX or it is going to deb collector.
Product: Mortgage

1-The mortgage with XXXX XXXX in XXXX, California XXXX since XX/XX/XXXX has a 7.125 % interest. I tried Loan Mod maybe 2 or 3 times since XXXX. In XXXX, I requested via HAMP, but was denied first by ASC ( a wells fargo Servicer company ), and then by XXXX   XXXX/XXXX ( others sued XXXX in a class action - I was not involved or had knowledge of until after ). Wells Fargo informed me in early XXXX that they had taken over the mortgage, and began sending statements ( but not as ASC ). 

2-Wells Fargo/WF did not identify XXXX or reveal them in XXXX - they went by a CODE ( as investor ). I paid mortgage till XXXX, XXXX, and couldn't pay due to earlier loss of job, but wife ( not on title ) and I managed to pay till XXXX, XXXX. Since then : First, I requested a WF loan mod and stated loss of job as the reason. WF denied. 
Second, WF suggested XXXX-XXXX XXXX XXXX XXXX, who admitted me into their Prinicipal Reduction Program of upto {$100000.00}, then processed and declined by XXXX, XXXX. 
Third, WF re-entry accepted my loan mod application, and XXXX XXXX denied it in XXXX. Despite saying I could appeal in XXXX, They filed for foreclosure and are now demanding a reinstatement amount of {$35000.00} until XXXX XXXX, XXXX. ( The due amount jumping from about {$26000.00} to {$35000.00} due to attorney 's fees ). 

3-To reiterate, XXXX XXXX, XXXX WF home preservation said I could appeal. Instead they filed for foreclosure, and I started receiving notices ( maybe over 12 from XXXX company and XXXX XXXX on behalf of XXXX but with WF logo ) in my wife 's name and my name separately, plus certified signature mail notices ). WF Loan Mod Re-entry then suggested documents they needed, but kept denying the ones they themselves required and asked for other types. When they denied the 3rd time I said I would complain to a federal and county agency. Then to mollify me WF pushed my 'unhappiness ' to the 'executive ' level and a Ms. XXXX XXXX accepted the document other 's had denied, and requested more docs - I sent all docs on XX/XX/XXXX and they were all accepted on XX/XX/XXXX according to Ms. XXXX 

4-On XX/XX/XXXX Ms. XXXX XXXX, another 'executive ' from the recovery department researching my complaint said the reinstatement amount of {$35000.00} is due by XX/XX/XXXX, unless the WF underwriter ( unknown name ) decides on Loan Mod options. Wife as contributor and I could pay $ 3600+ on a monthly basis since our income situation had improved, but could not afford the {$26000.00} demanded in early XXXX, XXXX. However, WF in XXXX, XXXX said due to the foreclosure status as of XX/XX/XXXX or XXXX, XXXX ( different people gave me both dates ) I could no longer make a monthly payment.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 at approximately XXXX XXXX  one person from titlemax conspired with one person from XXXX XXXXXXXX XXXX XXXX to illegally trespass on my private property to steal my property. I was never given full disclosure of this consumer credit transaction/ Security Agreement which makes the contract and anything agreed to null and void. You have breached the peace, in violation of breach of duty, breach of trust and breach of contract. You are asking for payment in floating rate notes when the Constitution/ Bill of rights state the only Lawful currency is gold and silver hence makes this transaction an obligation or other security of the United States . You failed to send me a " Notice of right to cure '' before stealing my property, also your employee XXXX from the XXXX, Tennessee location disclosed that I have not paid to someone not signed on the contract. You have damaged me emotionally, Financially and physically by restraining my ability to trade. My prayer for relief is you release my property back to me and compensate me to the full extent for the damages and serious harm you caused me. This is Extortion and I will express all my legal remedies if the matter is not resolved promptly. If compliance with your SEC filings is not honored I will be forced to contact the SEC for violations of said agreement.
Product: Credit reporting 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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 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.
Product: Debt collection

I recently submitted a dispute Ag ainst Portfolio Recovery associates about conflicting information posted to my credit report regarding the purchase date of the collection. As a result of my dispute,   XXXX   made them change the purchase date to the proper date. However, without cause or reason Portfolio Recovery Associates has   reopened the collection account to be reported as open as of  XXXX / XXXX / XXXX . This account has been paid in full and closed since  XXXX  of  XXXX  [ please find the attached proof, of my old credit reports vs my new on es ]. There is no reason for this to suddenly be reopened. Therefore, it is my belief that Portfolio Recovery Associates  is retaliating against me for disputing their false information. As a hard-working person with  XXXX  jobs and a family,  Portfolio recovery Associated is intentionally seeking to inflict emotional and financial distress upon me and my Family. I Seek relief and the Maximum  penalties allowable by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information to this credit bureau in XX/XX/2019. I have yet to receive valid information confirming these accounts that were open fraudently. I dont know what else to do I can not afford an attorney to get this information handled any other way. The following accounts XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the XX/XX/XXXX, and XXXX XXXX XXXX are all listed incorrectly on my credit report. Some of these accounts are 4 yrs old and are not factoring my credit as much but they shouldnt be on there at all.
Product: Debt collection

This company continued to call me and refuse to tell me about what the debt is for unless I give my sons personal information. I blocked the number now they are sending me text messages
Product: Credit reporting or other personal consumer reports

Navy federal has sold the alleged debt to XXXX XXXX XXXX. Navy Federal Credit Union is still harassing, reporting and attempting to collect on this debt. This is violation of FCRA, and Privacy Act. However it is still showing on my report. The accounts ending in XXXX, XXXX, XXXX. This data is inaccurate and illegal.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I have been battling numerous of XXXX XXXX and back in XXXX I was XXXX following an XXXX  XXXX. I had to stay in the hospital for a couple weeks upon discharge and arriving home I begin getting calls and letters concerning accounts I had no knowledge of opening. I also noticed things with my bank accounts that had unfamiliar charges and withdrawals. I am a victim of identity theft and would like all accounts removed from my credit. I have tried to communicate with the companies to address the matters one company in particular was very rude with a couple of employees who were very aggressive and threatened me on the call and via email.
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged {$94.00} from a gas station on my XXXX XXXX Mastercard ( Barclay 's Bank ). On XX/XX/XXXX I was charged {$95.00} from the same gas station. These were both on my XXXX statement. I reported it as a fraud, the company cancelled that card and issued another one. My car would never hold that much gas and certainly not two days in a row for that much money. They took the {$94.00} off my bill on the XXXX statement but instead of taking the {$95.00} charge ( from XX/XX/XXXX ), they charged me again {$95.00} ( so that's two charges I don't owe anyone now ). I have called at least 5 times since then to report this and they keep giving excuses. I have a letter from them saying I don't owe anything and the fraud will be taken off but they never do it. They put me on hold for an hour each time I call in hopes ( no doubt ) that I will give up. Something must be done about this company.
Product: Debt collection

I sent a certified handwritten letter asking for verification and validation of this debt from I.C Systems and have not received any response in over 30 days. I sent the certified letter on XX/XX/2018, section ( 609 ) of the Fair Credit Reporting Act states that I must receive a copy of the original creditor 's documentation showing proof this account is mine. I have not received a response therefore this account has not been verified and should be removed from my credit report immediately.