23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint involves three companies regarding the same debt : the original creditor, the collection agency hired to collect the debt and the law firm hired to take me to court.. 

Approximately 1.5 years ago I saw an account on my credit report for the amount of XXXX listed under a collection agency called XXXX XXXX XXXX XXXX. 

I called XXXX XXXX XXXX XXXX to inquire about the debt, they advised me that it was for a towing company called XXXX XXXX XXXX  in XXXX XXXX michigan. I updated my location information with the agency and requested validation of the debt be sent because they could only tell me the debt was for XXXX XXXX XXXX  and could not tell me for what vehicle, just that i owed a debt and demanded payment in full over the phone within the debt validation period. 

I called XXXX XXXX XXXX  directly for more details and they said i am listed with a collection agency and to call them and hung up on me. So the collection agency never validated the debt and the original creditor refused to answer any questions therefore the debt remains unpaid. 

XX/XX/2018, I received notification that i am being sued by XXXX XXXX XXXX  for for XXXX, the law firm handling the claim is XXXX, XXXX XXXX XXXX XXXX out of XXXX michigan. I contacted the firm and told why the debt was never paid and that and that validation of debt was never provided. they did not care. Despite reciting the mini miranda to me they then said that they are a law firm and dont deal with disputes or FDCPA practices which is false and missleading. 

My complaint is that I originally requested validation of the debt and i would have paid this when after receiving validation of debt. Pretty much, no one cares or complies with the FDCPA these companies think its a joke and remain unchecked. Had ann arbor professional solutions sent the debt validation when i requested it over a year ago this all would have been avoided. I do not feel protected as a consumer. I have just paid this debt, which still remains unvalidated along with legal fees in order to avoid having a judgement on my credit report. 

Summary Statement : As a consumer, my credit has been held hostage with the threat of having a judgement against me and wages garnished without the the debt being validated. Per the FDCPA, a collector may not demand payment or take legal action within the debt validation period, the debt was never validated therefore the debt validation period is still in effect. Keep in mind, I never received a first notice, it was i who seen the debt on my credit who inquired and tried to resolve debt. 

XXXX XXXX XXXX solutions contact info:XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX PHN # XXXX ( collection agency ) XXXX, XXXX XXXX  XXXX XXXX contact info : XXXX XXXX XXXX, XXXX   XXXX, XXXX, MI, XXXX XXXX XXXX XXXX contact info:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI , XXXX
Product: Credit reporting or other personal consumer reports

I Did not authorize these companies XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year>XXXX XXXX  ( Bank ) XX/XX/year> XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written dispute letters to Transunion on many occasions disputing the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the following violations : 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 U.S. Code 1681a ( 2 ) ( i ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802. I have physical and digital proof that via USPS that the letters were left with an agent of Transunion. I never received a response or proof that an investigation took place, which is grounds for removal. The procedures in case of disputed accuracy was not followed. I wrote to the CFPB to file a complaint. I typed out specifically, in great detail what occurred, and which U.S. Codes that were violated by Transunion and the companies furnishing the disputed information. NONE of my matters were addressed. A representative from the CFPB responded to me in writing stating the following : " Below includes the results of that investigation. XXXX XXXX; XXXX ; XXXX XXXX XXXX AS REPORTED ; XXXX XXXX; XXXX XXXX XXXX  '' Why did no one address any of the violations? Why did no one address my right to privacy being violated? Why did no one address that I never opted into reporting ; no consent = identity theft! IWhy did no one address the fact that I requested original contracts and disclosure forms ( which are to be " clear and conspicuous ), and never received them! How am I to believe anything that is being reported? How do I know the accuracy of the amounts are correct. etc? I can keep going. Nonetheless, I sat and waited 60 days for that extremely LAZY response above from the CFPB. YOU, the CFPB is the supervising authority over the CRA 's, yet, you are not enforcing any laws! I also stated that I do not consent to XXXX  and I am 100 % sure that was used to handle my complaint. If XXXX was not used, please have Transunion provide me the name of the company they contacted, if they contacted them via mail or phone, the date and time they contacted the companies, the person they spoke with, etc, so I can follow up with these individuals.
Product: Vehicle loan or lease

I was told by my bankruptcy attorney to surrender my vehicle and was referred to auto dealer they had a 'deal ' with to get a new vehicle. Was financed by sub prime lender called Prestige Financial. I was laid off and have been struggling with my health for some time. I 've asked to lower payments or refinance and sometimes they do lower payments but they wo n't renegotiate terms and when I said that I would need to try and get out of vehicle XXXX XXXX as well as all the employees that report under him, are rude and say things like no one will help me, I 'm 'XXXX ' if I do n't make my payments, they pressure me to surrender the vehicle but then rescind saying why would they want that if they want their money. 
I have told XXXX XXXX and XXXX that they are rude, disrespectful and that I know I have an obligation but I need to take care of my medical condition as well. 
I can not keep my composure speaking with them anymore, I ca n't remain calm its impacting my health further since not only am I under duress I have to deal with their abusive tactics as well. 
I 've asked for call recordings, etc but they never can seem to find those details.
Product: Debt collection

On XX/XX/2018, I received a call from a number I didnt know and I dont answer calls from unknown numbers. I then received a long voicemail that is almost 3 minutes long, completely inappropriate by starting the voicemail out by saying let me tell you doesnt state who he is or where he is calling from until the very end and is raising his voice and harassing me stating if I dont have an attorney, I strongly suggest you get one I have never received such a disturbing call ever! I have saved the voicemail and have his name which is XXXX  from XXXX XXXX for XXXX XXXX XXXX XXXX  ( the clothing store ) I have his phone number and ext that he left. I am very upset and have high anxiety and this made it worse. Very unprofessional and inappropriately handled!
Product: Vehicle loan or lease

I purchased my XXXX XXXX XX/XX/XXXX, 2013, at the time of the purchase Ally Financial Inc. and Ally Bank ( Ally ) was the bank who offered me the fraudulent loan on my vehicle. As an XXXX XXXX female borrower, I believe there was predatory lending involved in my loan and I paid a higher interest rate and continue to pay unusually higher fees for my auto loan because of Allys discriminatory pricing system. <P/>Though at the time it did not all come together over the life-time of my loan I have bean to see that was charged and interest rate that was significantly higher and the loan continues to report inaccurately regarding late payments. When I make my on-time payments to Ally they tack on this exorbitant fees that they classify as late fees. But the payments are not late. I continue to be overcharged because of of my race and gender and am a victim to a very sick system that continues to violate the rights of people of color and women across the country. <P/>When I financed the purchase of my XXXX from the auto dealership, the dealer facilitated indirect financing through Ally. Ally set a risk-based interest rate, or buy rate, and then allowed XXXX to charge me a higher interest rate when they finalized the deal with me. This rate was solely based on my race and gender. The ECOA prohibits creditors from discriminating against loan applicants in credit transactions on the basis of characteristics such as race and national origin. <P/>Allys discriminatory pricing and compensation structure has caused me severe damage on my credit report. I have paid for the car almost two times over at this point and still owe {$13000.00} after 4 years of consistent payments. <P/>I have attempted several times to clear this up with Ally and to get the erroneous errors on my credit removed and the loan updated or removed and they continue to attest that I am wrong. Ally you are thief and a predator. You pray on women and minorities and this can not go unpunished. I am writing to have all derogatory items removed from my credit report and the fraudulent auto loan be paid in full.
Product: Mortgage

I have been paying on my mortgage on a bi-weekly ( XXXX payments a year ) for some time now. My total mortgage payment is {$2200.00} which is {$1100.00} every other week. On the XX/XX/XXXX, I changed my payment day of the week from XXXX to XXXX on Freedom Mortgages website and received confirmation that my next payment of {$1100.00} would be drafted XX/XX/XXXX. I then woke up to emails from XXXX XXXX on XX/XX/XXXX saying my account was overdrawn due to the payment from Freedom Mortgage being made. I tried to email and call to resolve this with Freedom Mortgage but was told by XXXX that this was an error on the banks side and I needed to deal with them. I called XXXX XXXX and they said that because it was an XXXX payment and not a bill pay, it falls on the shoulders of Freedom Mortgage. I finally talked with someone who knew what was happening, and they stated they need XXXX full business days to make changes to the auto draft which is acceptable, but not disclosed any where on the website
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX  - XXXX - {$2000.00} XXXX XXXX XXXX  - XXXX - {$4200.00} XXXX XXXX XXXX - XXXX - {$16000.00} XXXX XXXX  - XXXX - {$2600.00} XXXX XXXX XXXX - XXXX - {$11000.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX  XXXX XXXX - {$5300.00XXXX XXXX XXXX XXXX XXXX XXXX - {$740.00} XXXXXXXX XXXX XXXX XXXX XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - {$700.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have other names social security numbers addresses phone numbers and accounts that have never belonged to me in my reports and XXXX Equifax and XXXX keep showing this information against my person
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit karma spend account was frozen for my protection now im trying to get back in my account and ive called four or five times. ive used the live chat service. every person keeps saying the same thing. they have no information but my case was sent to a specialist team and i should respond to the email that they send. only ive received no email and its been three days since this all started. one person said it would happen automatically. and another person said i have to wait for the specialist team to email me. then another person said it would be unfrozen by tomorrow. that was three days ago.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX 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: Checking or savings account

Long story short, a tenant security account was opened at XXXX XXXX. The bank changed hands a couple of times and now no one can find my account. 
Details : On XX/XX/XXXX, I opened a tenant security account at XXXX XXXX  and deposited {$850.00}. In the meantime XXXX XXXX was bought out by XXXX XXXX on or about XX/XX/XXXX. They were then bought out by Key Corp on or about XX/XX/XXXX. 

In XXXX my tenant moved and I tried to retrieve their security deposit only to be told by Key Bank that they had no record of my account. They suggested that I contact the CT Dept of Treasury Unclaimed Property Division. I did, and they have no unclaimed funds in my name. I had to pay the tenants out of my pocket and figure out who to make a complaint to. 

I don't know how or when my account was lost, only that I'm due {$850.00} plus interest from XXXX. I still have my account pass book showing my deposit. My account is # XXXX. My name XXXX XXXX and my mother 's name XXXX XXXX are on the account. ( My mother would handle my affairs when I was deployed with the XXXX ).
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were transactions were authorized, I was charged fees due to lagged posting of charges and credits. The issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is currently reporting two 120 day late payments on a student loan account, during Cares Act 2020. How can anyone be currently late on a student loan account, when all payments are suspended and interest rates are at 0 %. Originally XXXX had my student loan one payment 120 days late in XXXX. Dropped my credit score almost 140 points, by adding {$1.00} increase in the student loan. Of course I reported them here and disputed it. XXXX  then added another late payment and moved the month of both late payments to the month of XX/XX/2020. They are going through loopholes to keep my FICO  score in the low category, despite there being nothing but the false information they are reporting. Clearly they are harassing me and have been since I first reported them here. 

Since they had to remove a collections account per the collection agency ( XXXX XXXX {$670.00} ) itself, but because XXXX  dropped my FICO score to the low 500 's, any removals of this magnitude on my credit report does nothing to raise my credit score. 

How do all 3 credit bureaus get to lower my credit score with false information, remove it once its disputed and proved inaccurate, but leave my FICO score low? Can someone explain that to me?
Product: Credit reporting or other personal consumer reports

I called XXXX VEHICLE AND PROPERLY INSURANCE COMPANY ( the alleged original creditor ) on XX/XX/2024, in regards to a collection on my consumer report and requested validation of the alleged debt of {$430.00}. They refused to provide me with the information because they claim to have no record of it. Then referred me to XXXX XXXX XXXX. Prior to my phone call to XXXX I contacted XXXX XXXX XXXX on XX/XX/2024. I requested, Proof of Contract : With no evidence of perfected security, I require documented evidence that a valid, enforceable contract exists between us, demonstrating that I am legally obligated to pay the alleged debt. This documented evidence should include : - The full and unaltered contract, signed by all parties involved.

- Clear and specific terms and conditions outlining the rights and obligations of each party.

- Any amendments, addendums, or modifications to the original contract, if applicable.

- The dates of inception and termination, if applicable, of the contract.

They told me they would send documentation and validation of the debt, which I never received. Then was given a complete runaround when told to contact XXXX ( the original creditor ) at the conclusion of the conversation. They were very untruthful and non compliant in providing me with the information needs to resolve this matter. Both companies are in violation of the ( FDCPA ) & ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This will be my second attempt at resolving this issue. I pulled a recent copy of my credit report and noticed two accounts reflecting in accurate information, in the form of late payments ( XXXX and XXXX XXXX XXXX accounts ). Not only have I never been late, but reporting this inaccurate information to profile is in violation of the FCRA. 
According to According to 15 USC 1681i ( 7 ) each credit reporting agency is required to provide me their procedures on concluding any payments were late, which Experian, XXXX, and XXXX has been unable to do. I've sent letters certified mail requesting this information with No formal response or evidence proving that I have ever been late on these accounts. 
According to 15 USC 1681 ( A ) 2i. The FCRA governs a consumers transactions and experiences from being included and reported to a consumers profile. A late payment is considered a transaction and consumer experience. 
Reporting this unverified and inaccurate is also in violation of 15 USC 1681EB as each credit reporting agency is required to ensure maximum accuracy, when reporting to my consumer profile
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt