23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RE : Toll Violation # XXXX I contacted this agency because I found out I owed money from a third party but never received a bill. I asked them why they never sent one and wasn't provided an answer. In addition to me speaking with them, my assistant spoke with their rep named XXXX on XX/XX/XXXX. She confirmed the total amount due was {$140.00} and that it would bring the account to zero balance. She was asked again to confirm this was the total due and she did. The phone call was taped, so please review it. She also stated all the violations were from XX/XX/XXXX, which didn't seem correct. When asked for an invoice she said they didn't send those. I didn't believe the amount was accurate either, and was never provided with proof it was my car that used the toll road when they claimed I did. I know I used it a few times, but the amount seemed high for the low usage. 

Nevertheless, the total due was paid by money order. Shortly after, a letter arrives stating ANOTHER {$50.00} is due and that these violations are also supposedly from XX/XX/XXXX. 

I am disputing this amount of {$50.00} since I was told {$140.00} was the TOTAL due and this amount was paid. I didn't dispute the {$140.00} even though I should have as I was provided no evidence and never received an invoice. Mistakes are common and it appears I'm being billed fraudulently, or for someone else 's usage. But I chose to pay without dispute to save time. I will now take note of any time I use the toll road to prevent this scam in the future. 

It takes time out of my busy schedule to dispute this company 's inaccurate, unfair and unethical billing. 

I tried to email them but there is no email address on the statement or their website, as far as I can tell. I called them but they kept me on hold way too long, and then their rep asked too many invasive questions in supposedly trying to verify the account AFTER she was given the violation number and my full name and address.
Product: Credit reporting

XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of XXXX by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. XXXX. ) What is your authorization of law for your collection of information? XXXX. ) What is your authorization of law for you collection of this alleged debt? XXXX. ) Please send evidence your authorization to do business or operate in the state of Texas XXXX. ) Please provide a copy of the purchase agreement of the alleged debt. XXXX. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( XXXX ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. 

-- - XXXX XXXX  XXXX ---
Product: Credit reporting or other personal consumer reports

Recently I disputed 2 evictions on my consumer report which you stated came back verified.

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. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my wet signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following evictions be verified with proof of an original consumer contract with my wet signature or removed immediately : Eviction for address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Eviction for address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, { XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows that I missed a payment in XX/XX/XXXX in the amount of {$540.00}. 

I have disputed this on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time the missed payment is removed but then put back on the next month. 

We have spoken to the bank ( XXXXXXXX XXXX XXXX XXXX ) and they said they are not the ones putting it back on the credit, Transunion is also saying they are not putting it back on my credit. 

Please help!!!!!
Product: Payday loan, title loan, or personal loan

Unauthorized inquiry made in XX/XX/2020 to XXXX  XXXX DBA XXXX  XXXX. Also I have 2 collections negative remarks on my credit report from a hospital and I was indigent. I had no income so I filed all the necessary financial aid and now theres 2 in my negative collections. Please review and contact me ASAP. XXXX XXXX
Product: Mortgage

Refinanced through Better Mortgage, which took almost 4 months, they forced me to make repairs that didn't need to be made ( cosmetic siding issues ), they refused to listen to the tenants currently living in the units when they said things were working ( wall heaters ), and forced me to pay have a handyman go out to ensure they were in fact working, because they couldn't trust the people living there. They sold my loan to XXXX in XXXX, I received the notification after I had made a principle only payment to them on XXXX ( the overpayment of the loan, I wanted to put back on the principle ). Multiple emails stated I could not make any more payments to current servicer ( Better/TMS ) and all payments would be transferred before the payment was due XX/XX/XXXX. XX/XX/XXXX I called when the loan wasn't transferred, was told to wait until XXXX, still didn't show up, I had to call XXXX to make a payment on the account. Again email on XX/XX/XXXX saying the payment is still transferring, and it would be in there by XX/XX/XXXX. Still no payment transfer today, more than 5 weeks after it was drafted out of my bank account. I am still paying interest on the principle which should be {$1700.00} less. Better refuses to answer any questions.
Product: Debt collection

XX/XX/2021 @ XXXX Get multiple calls the last few weeks from a potential spam number every day. Finally answered it. They immediately ask me to provide a bunch of personal information for an " important financial business matter ''. They won't tell me what it is for unless I provide them with my personal information. 

After pressing the person, I did get a phone number and address that they were calling from, which links to FINANCIAL ASSET MANAGEMENT SYSTEMS , INC in XXXX, GA. 
( XXXX ) XXXX I'm assuming they are either trying to defraud me, or trying to collect bad debt from my former mother in law. Unfortunately I get pesky callers saying I was put down as a reference for her bad debt and must pay on her behalf. 

I asked to be removed from all further contact if they won't tell me why they are calling me. They stated they will keep trying to call me until I provide them with my personal details.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The XXXX credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}
Product: Mortgage

My name is XXXX XXXX XXXX, I reside at XXXX XXXX XXXX in XXXX North Carolina. Suntrust Mortgage inc. has directed me to the substitute trustee over a {$980000.00} loan from XXXX. XXXX XXXX XXXX XXXX and that is when I discovered they can not be the trustee and the XXXX of Suntrust Mortgage XXXX XXXX signed naming XXXX XXXX as substitute trustee but it wasnt done correctly. XXXX XXXX acted as XXXX XXXX notary on the same day. XXXX XXXX did not possess the required signing authority to sign mortgage operations documents on XXXX XXXX, XXXX. Someone put a sticky note over the Exhibit to coverup the part that states the purpose of the exhibit then made a copy of it to remove this requirement. This page was then recorded at the clerk of court office along with the outdated and expired faulty appendix A. How can Suntrust Mortgage use a outdated mortgage delegation signing authority document that expired over 3 months before XXXX XXXX even named the substitute trustee to foreclose? I have requested this proceeding be dismissed since the substitute trustee was not correctly nominated by XXXX XXXX, but they keep telling me to call the substitute trustee who is a nice enough guy but hes was not correctly substituted. Please also look into how XXXX XXXX was able to verify and notarize a document that was 3 months out of date. Please notify me in writing once this proceeding has been dismissed since the signing XXXX of the corporation was not in possession of signing authority when he nominated XXXX XXXX of XXXX. XXXX XXXX
Product: Credit reporting

Equifax is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )
Product: Credit reporting or other personal consumer reports

I try to log into my equifax account online however i was not able to log in. I called the company and was waiting for XXXX hours on hold but i could never get a hold of an agent or unfreeze my credit score.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian Credit report 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 who the report relates according to 15 USC 1681 ( e ) ( b ). 

According to 15 USC 1681 i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) In general if 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 that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681 s-2 they are supposed 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: Debt collection

On XX/XX/XXXX, a debt collecting agency named CBE GROUP filed a derogatory collection notice to all three credit bureaus on behalf of the originating creditor named XXXX ( formerly named XXXX XXXX ). 

The debt collecting agency did not provide a formal notification to the consumer ( Formal Correspondence for notification of Debt ) in order to validate the debt and provide the consumer the opportunity to dispute the debt if it was deemed invalid. As a consumer, I had to do my own research by contacting the debt collecting agency and the original creditor regarding the debt. After a thorough research it was deemed through XXXX that I have NO current outstanding debt with the company ( Based on the telephonic conversation with the XXXX Customer Service Representative on XXXX XX/XX/XXXX at approx. XXXX XXXX ( Communication Form # XXXX XXXX. 

I believe this debt collecting company violated the Fair Debt Collecting Practices as governed by the FTC and in violation of the Fair Debt Collection Practices Act under 15 USC 1601 ( 805-808 ). 

I am requesting assistance to have this derogatory report to be removed from all credit reporting bureaus.
Product: Checking or savings account

Would get charged overdraft fees when money was in the acct. Took 3 days for a check to deposit and cause me to have late fees on my bills.
Product: Credit reporting or other personal consumer reports

My information has been stolen and used without my permission, consent, nor my knowledge whom ever stole my information applied for Auto loans, credit cards, and many other items, here a list of unauthorized inquiries that was made on my 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  All the above listed inquiries are unauthorized and was done without my permission, permission, nor consent and must be deleted from my credit report with all credit bureaus under these illegal inquiries are reported illegally on my XXXX XXXX  report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureaus consumer report and I noticed some inaccurate posted on my consumer report : XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Mailed XXXX XXXX on XX/XX/XXXX and transunion on XX/XX/XXXX certified mail. 
No answer both above the law. 
XXXX XXXX XXXX XXXXXXXX XXXX CREDIT CARD Account XXXX reporting a credit card on my credit report please inmediately remove the aforementioned account from XXXX, Transunion and XXXX. That information is incurate the info is inacurated and it was ruled out by the justice department of puerto rico by judgement by XXXX XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX. Court case or file number XXXXXXXX XXXX SHOULD REMOVE THE ACCOUNT FROM MY CREDIT REPORT INMEDIATELY.
Product: Consumer Loan

XX/XX/2016 XXXX XXXX GM FINANCIAL XXXX, TX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/2016 regarding an inaccuracy on my credit reports, regarding account # XXXX, which you claim MY ACCOUNT WAS CHARGED OFF {$18000.00}. 
By not replying in a timely manner to my initial letter on XX/XX/2016, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking up to {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
Please Note : This notice is a XXXX attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action This is the copy of the letter sent to Gm financial in XXXX, Tx. the did not only respond or provide requested documents as requested in the letter above.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax. Need to remove late payments from XXXX XXXX XXXX XX/XX/23 XX/XX/23 XX/XX/23 XXXX XXXX XXXX
Product: Credit card

On or about XXXX XXXX, XXXX, I was approved for a Barclay credit card. When I Whehn I When I applied, I was comparing XXXX different cards offering 0 % interest. 
The Barclay card offered 0 % interest for 14 months and I decided on it. 
I was approved for a {$2000.00} credit limit and was told I would receive anemail with the terms. I never received that email. 
My first billing statement showed no interest being charged, as expected. 
However, my second billing statement showed interest of {$25.00}. 
The third billing statement showed interest of {$3200.00}. 
The fourth billing statement has interest of {$34.00}, even though thebalance was less than last month. 
This was definitely a " bait and switch '' offer. I usually print out the termsof any offer or purchase I make online, but was n't given that opportunityby Barclay and was told I would receive an email from them, which I did. 
However, they did nothing except tell me I was " approved ''. I received noterms either by email nor by regular mail. 
When I called to complain, I was assured that, yes, I did agree to 24.99 % interest. There is NO WAY I would ever have even applied for this cardat that rate. I immediately cancelled the card. I did n't need it and onlyapplied in order to do some home remodeling at 0 % and then do abalance transfer from my other card. Now I 'm stuck paying off XXXX cards, the Barclay card having almost XXXX the interest rate as the XXXX XXXX I usually use. So far, this false/deceptive advertising has cost me {$92.00} since XXXX XXXX, XXXX, when it was supposed to be {$0.00} untilFebruary, XXXX. I attempted to attach the statements showing theinterest charges but was unable to do so. I will provide them if and whennecessary. Thank you.