23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I recently found some accounting and billing issues and these issues have been reported to all three credit bureaus XXXX XXXX XXXX  and XXXX  XXXX. On XX/XX/XXXX I submitted a partial payment to First Investors Servicing Corporation check # XXXX XXXX XXXX XXXX  {$200.00}. My monthly payment is was not due until XX/XX/XXXX, but to get a jump on my payment since I was granted ( 2 ) month extension due to Pandemic. But after looking at my payment history I noticed that ( {$15.00} ) was applied toward late fees and XXXX {$180.00} XXXX towards interest. How this be when I was granted extension ( see attached PDF ) if you look at XX/XX/XXXX, same time I was granted the extension First Investors Servicing Corporation received a payment for ( {$290.00} ) and that payment was allocated as ( {$210.00} ) towards the principal and ( {$77.00} ) was allocated towards interest. I have not gone over all my payment history but I feels these regularities are part of same issue am complaining about now. Where do the late late payment fee come in at, when I was granted a ( 2 ) month extension? The next issue First Investors Servicing Corporation have notifying the XXXX, XXXX  and XXXX  about my payments as being late even during the pandemic period presently I have ( 19 ) late payment showing on all three credit bureaus report XXXX see attachment ). I usually pay my car not on the XXXX of each month before the next month become is due. I've been assessed late fees just about every month even during pandemic period. This matter needs to be addressed and corrected. When I call and complain they place a notation on my credit report that negative remarks driving my score down. Since XX/XX/XXXX up until now I've lost a between ( 80-90 points ) due to these negatives remarks, after I've complained to First Investors Servicing Corporation. When I speak with the creditor bureaus they can not or willing explain does remarks. but instead advise me to call back to First Investors and they in return can't explain the remarks for the huge drop in my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX  XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX fl XXXX phone number XXXX XXXX XXXX XXXX I have never had an account with this person : a person by the name of XXXX XXXX made these charges against me. and then stole the money for herself. She was a manager with the company at the time and stole money from the company. Then placed me and other persons in default. A criminal case was made at the time. The information such as timeframes is incorrect
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting a collection account on my Experian and XXXX consumer reports. This information reporting is false and not my account. XXXX after investigation has removed.
Product: Debt collection

In Dispute with XXXX XXXX Hospital They have ignored my written complaints without response. 
Placed my account for collection with Capital Collections, XXXX XXXX NJ XXXX I have notified Capital Collections with two written notifications that this account is in dispute with XXXX XXXX Hospital. 
They have now ignored those letters of dispute and have begun repeatedly calling via telephone. 
I continue to hold this account in dispute and am pursuing actions with XXXX XXXX Hospital to resolve. 
I am of the understanding that providing written notification of dispute that the agency is to acknowledge the dispute and reframe from further harrasment pending resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Sent a Confirmation # XXXX on XX/XX/2020 stating that the letter I sent them was not going to be used to remove the inquiries from my report. I had already stated to them that I noticed these unauthorized inquires on my report. They sent a computerized statement back saying that they were verified as factual. I advised them that I was protected under the Texas Business and Commerce Code 20.06 of Title 2 Chapter 20. I am also protected by Federal Law due to the inquires being reported inaccurately and the fact that I had to send out XXXX  letters and get the same response from the company is not going to work for me. I will be seeking legal counsel for the XXXX  round and I already have all evidence required for a County Court. So they need to obey the law or I'll being seeing them in court very soon.
Product: Credit card or prepaid card

Inaccurate credit information on my credit and the failure of Experian to positively post an accurate report has hurt my ability to obtain credit. 
Under the CARES Act, passed by Congress, I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full.. Moreover, because of the mistakes on my credit report, I have been wrongfully denied credit recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit card

This may not fit under your " Credit Card '' category, but several months ago I purchased tennis shoes from XXXX XXXX and paid by credit card. During the process of check out I was asked if I wanted to sign up for the XXXX royalty card, and I said that I would. The cashier than began to tap through several menu options that appeared on the credit card machine that I was unable to read. A week or two later I began to receive charges on my credit card statement for a XXXX XXXX subscription, that at NO TIME during the checkout procedures was I asked about, let along agreed to. I believe the cashier must have clicked accept on my behalf without my knowledge during the checkout. I have searched online and have seen this happen at other stores as well. I believe XXXX XXXX may have a passive policy in place encouraging this type of behavior, perhaps other retailers as well. I think the CFPB should advocate for legislation, or develop a regulation, that would equate this type of behavior, signing customers up for unwanted products at checkout without their knowledge, to identity theft.
Product: Credit reporting or other personal consumer reports

My credit report dated XX/XX/XXXX, at TransUnion contains Inquiries that I never authorized, nor did I do business with these companies The following inquiries were not authorized by me : XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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. Also, account # XXXX with XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX that I can file my taxes accordingly. This XXXX  account is reporting inaccurate adverse information. Also, US DEPT OF EDXXXX has taken over ownership of account # XXXX, # XXXX, and # XXXX from XXXX XXXX the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF EDXXXX is reporting information that does not coincide with the original contract.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX XXXX is still investigating, while XXXX is still allowing the XXXX XXXX XXXX XXXX XXXXo post the amount of a loan to be on the credit report which should be off my account due to the 7 year limitation statue from XXXX. I located information of the XXXX XXXX ( XXXX ) who have contacted me about a breach and I was one of the thousands who account was breached. Plus medical information showing that I was unable to work and could not have made payments but was documented on the credit bureaus history I have made ( was fraudulent ) in order to keep the account open and to not allow the 7 year statue not be recognized and the negative account removed the charge off ). Along with Transunion as well, thereby keeping my score, overall low. For what ever reason my account has been in this state, and even when I call to verify I do not get anything corrected. I now am an authorized user to someone else credit card and in good standing and given another credit card with no balance with a different credit card number, yet they are putting the authorized primary account holder information on my credit, but instead of it boosting my credit score, which it should, they are NOT allowing it to do so?
Product: Debt collection

I received a letter from Mountain Run Solutions, acct # XXXX stating I owe a debt of {$550.00} that is in collections. It states my name, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and the name of a business after it, for which I have no affliation with whatsoever. I have researched and such a business exists in XXXX, I have NEVER been there and do not owe such a debt. 

I sent a certified letter to the company from my legal advisor which was REFUSED. Upon further review I found that the suite number on the letter head was different from that in the body by one digit, eventhough the suite was next door AND owned by said company they refused the letter unopened. I have kept the unopened letter. I am on XXXX and the only bills I have are for medications and doctors, which is quite difficult. This whole issue has caused me a great deal of stress above and beyond the chronic pain that I suffer with daily. 
Here again is the name of the company from which I received a letter : Mountain Run Solutions, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Utah, XXXX ph XXXX XXXX. The address for the remittance in the body of the letter is the same except for XXXX XXXX.
Product: Mortgage

BSI Financial Services is holding my XXXX payout to repair my home XXXX XXXX XXXX XXXX. I received an inspection as part of their process to receive funds to pay my contractors on XX/XX/24. I call roughly every two days to ask for progress on releasing my money and have never once received a call back or assistance in receiving my money. I have massive bills coming my way and desperately need this money. After 20+ unanswered calls/voicemails in the last 5.5 weeks I have no idea how to resolve this issue without resorting to these complaints.

BSI Financial Services are bad actors and need to be held accountable for the way the take advantage of people who have suffered from XXXX  or other catastrophe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX i got weird email from a weird company by the name of Sequim collection debt collector falsely stating that a debt was owes in the amount of {$54.00} saying that i must contact their office by XX/XX/XXXX XXXX also very weird. I then replied to their email XXXX and XXXX on XXXX XXXX requesting that a NOTICE OF CEASE AND DESIST FROM CONTACTING ME AGAIN ABOUT THIS DEBT IS NOW BEING DEMANDED AGAINST SEQUIM AND XXXX AND XXXX. A CEASE AND DESIST FROM CONTACTING ME AGAIN ABOUT THIS DEBT. THIS COMPANY NOW HAS BROKEN THE FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) 15 USC 1692 ( a ) Abusive practices 15 USC 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692c- ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 USC 1692c- ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

15 USC 1692e-False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any
services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

THIS COLLECTION AGENCY THINKS IT IS ABOVE THE LAW, I HAVE ENCLOSED ALL THE EVIDENCE TO SUPPORT MY CLAIM AGAINST THIS COLLECTION AGENCY ( SEQUIM ) THERE IS NOTHING OWED YET THEY THINK I'M STUPID AND THINK A CAN NOT READ CFPB THIS AGENCY HAS 5 FDCPA VIOLATIONS {$900.00} PER VIOLATION FAIR DEBT COLLECTION PRACTICE ACT. A COMPENSATION IS A REMEDY FOR THESE VIOLATIONS THAT ARE PRESENTED HERE. CFPB PLEASE HELP WITH THIS FALSE, FAKE INTIMIDATING PRACTICES.
Product: Mortgage

I applied for HAF program through Massachusetts. I sent all the information needed for review. Santander Bank refused to send my payoff with the deadline so my application was denied. 

Can you please investigate this matter and ensure that I receive my HAF. 

Thank you. 

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

I am writing to formally lodge a complaint regarding a fraudulent account reported on my credit report by Experian. The account in question is associated with XXXX XXXX XXXX and is entirely unauthorized and fraudulent. 

Despite my repeated attempts to resolve this issue directly with Experian and XXXX XXXX XXXX, the erroneous account remains on my credit report, negatively impacting my credit score and overall financial standing. 

To provide you with a clear picture of the situation, here are the relevant details : - Creditor : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/year> I have attached copies of the following documents to support my claim : 1. A copy of my credit report showing the fraudulent account. 
2. Correspondence with Experian and XXXX XXXX XXXX regarding the dispute. 
3. A police report filed for identity theft, if applicable. 
4. Any other relevant documentation proving the account is fraudulent. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian promptly removes the fraudulent account from my credit report. This account has caused significant distress and inconvenience, and I am eager to resolve this matter as soon as possible. 

Thank you for your attention to this important issue. I look forward to your prompt assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I changed my payment bank account.in XX/XX/year>. I went on website and submitted all. I was told in XX/XX/year> that they had a computer glitch that did not take the account and to submit a letter to their credit office. Haven't heard from them and they only take mail correspondence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Email : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : XXXX Against XXXX XXXX XXXX Dear Sir or Madam , I am submitting this complaint against XXXX XXXX XXXX regarding an inaccurate negative mark on my credit report. Despite multiple attempts to resolve this issue directly with XXXX XXXX XXXX and the credit reporting agencies, the problem remains unresolved. 

Since XXXX is not my first language, I can not read letters. I usually use translation software. Since the bank I used for my auto loan was not the bank I usually contact, such as XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX, I thought the payment notice I received was from a fraudulent company, so I delayed my payment. However, I have always maintained good credit and have never had any overdue payments. Due to this misunderstanding, my credit score dropped rapidly, which seriously affected my life. 

Issue Summary Account Information : Account Holder : XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Disputed Item : A late payment is inaccurately reported on my credit report for the month of [ XX/XX/year> ]. 
This negative entry has significantly impacted my credit score and financial reputation. 
Reason for Dispute : I was unaware that the loan for my XXXX vehicle was serviced by XXXX XXXX XXXX. This led to an unintentional delay in payment. 
Once I realized the oversight, I immediately resolved the payment issue and brought the account current. 
Attempts to Resolve : I contacted XXXX XXXX XXXX on [ XX/XX/year> ], but they directed me to the credit reporting agencies. 
Despite filing disputes with [ XXXX/Equifax/XXXX XXXX XXXX XXXX XX/XX/year> ) ], the issue remains unresolved. 
Request for Resolution I kindly request CFPB to investigate this matter and facilitate the following : Remove the late payment from my credit report Attachments I have attached the following documents to support my complaint : A copy of the credit report showing the disputed item. 
Payment records and proof of account updates. 
Any correspondence with XXXX XXXX XXXX and/or the credit bureaus. 
Thank you for your assistance in resolving this matter. Please feel free to contact me directly at XXXX XXXX if further information is required. 

Sincerely, [ XXXX XXXX XXXX
Product: Debt collection

I am disputing the above referenced debt. Part of the FCRA as a federally protected consumer, I am now opting out of any and all authorizations of anything that is on my credit report. If you have already reported this debt, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX This account was indeed opened by me in XX/XX/XXXX for windows for my home. The line of credit was through Wells Fargo for XXXX XXXX. 

1 ) The account was paid in full by me on XX/XX/XXXX. Wells has not reported the account as paid in full and current. It has been over 30 days since the payoff and well over 30 days since the last update by wells. 

2 ) My credit report shows there is an outstanding balance of XXXX dollars. This reflects poorly on my credit file ; reflects poorly on my creditworthiness, increases my debt to income ratio, and lastly decreases my FICO and overall credit score. This has resulted in my recently being denied credit with several merchants. 

3 ) it shows my monthly payment was XXXX however my monthly payments were only XXXX this has been inaccurate and needs correcting. 

4 ) I keep receiving unwanted emails from wells stating I have an upcoming payment due this needs to stop. 

5 ) I was within the last week denied credit with Wells ; this is discriminatory as I have paid that account with an EXCEPTIONAL PAYMENT HISTORY. see attached.