23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is an ongoing issue : Per XXXX XXXX XXXX XXXX : A cease and desist was placed on your account effective XX/XX/XXXX. Once the account is paid full, XXXX will release XXXX XXXX  security interest in the vehicle. 

This issue is ongoing. In my Validation letter, a cease and desist was put in place in order to stop collection of any payment until the auto loan was properly Validated and sent to me. XXXX XXXX XXXX has not honored that portion of my letter. They have made Late payment remarks on my credit report to all XXXX Credit Bureaus which has severely impacted my credit. I initially told XXXX XXXX XXXX that I was involved in a car accident as a passenger and the random confirmation numbers that was provided by XXXX XXXX XXXX was given to me by their phone Representative ( XXXX ) in a recorded conversation, stating that due to my accident and how XXXX saw that I got my account back current in XXXX of XXXX, that they would remove the remark. The confirmation numbers they gave me IS NOT my contract number. I have my contract number so, I'm not sure why XXXX XXXX XXXX is saying that that is my account number and that is false. The contract number that I received from them is an invalid number and it is not mine. I sent a Validation Letter asking XXXX XXXX XXXX to provide me with my contract and as of now, they have yet to provide me of the info that I have requested/needed. During the time of this Validation process, my credit score went from a XXXX to now a XXXX and it's all because I need to validate if this loan belongs to me. I have never been this severely impacted by an entity that I didnt sign on with, in my life. The Payment History needs to be removed from my credit report. A payment was made XX/XX/XXXX after they sent me a letter threatening to repossess the vehicle while I am awaiting for XXXX XXXX XXXX to send over Validation. This situation has brought my credit scores down while I'm working towards homeownership. XXXX XXXX XXXX knows I've been making overly consistent payments until I needed proof of Validation. That's why a Cease and Desist was in order, to prevent this sort of thing from happening while Validation is ongoing at the time. It appears as if XXXX XXXX XXXX honored parts of my Validation letter and not ALL of the Validation Letter I asked them to Please Validate who they say they are. As of yet, I have not received any Validation from them beside a letter where they state they can not provide Validation at this time. But, XXXX XXXX XXXX continues to want my payment and threatening to repossess the vehicle.
Product: Debt collection

To Whom This May Concern, I am writing to formally request validation of the debt referenced in your recent communication, which concerns account number [ insert account number ]. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, I have the right to request detailed information about this alleged debt.

To ensure that I have all relevant information before addressing this matter, please provide me with the following : 1. A complete and detailed payment history regarding this account, including dates, amounts, and any fees applied.

2. A copy of the original signed contract related to this debt, showing my agreement with the creditor.

3. Information on any insurance claims that may have been made against this debt.

4. Documentation showing the chain of title for this debt, indicating how you obtained the right to collect on it.

Please be advised that until I receive this requested validation, I will consider this debt in dispute. In accordance with the FDCPA, I expect your office to cease any collection activities until this matter is properly validated. 

Thank you for your cooperation. I look forward to your prompt response. Please send the requested information to my address listed above. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have written many emails and did call several time. No proper help. My money is stuck since XXXX. I need help. I havent managed my coinbase account yet. They are a scam. Please help. The amount is now mear XXXX pounds. It still shows account restricted and I can not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I have been disputing items and the credit bureaus are lying about items on my report without proof.
Product: Debt collection

To whom it may concern, On XX/XX/2023 Advanced Capitol Solutions contacted my family member and shared my legally protected information with them. Here is their company information : Advanced Capital Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX A representative of their company called my XXXX XXXX XXXX on his cell phone at ( XXXX ) XXXX and asked for me. He confirmed they had the wrong number and his identity, they then proceeded to share with him that I owed a dept to them which is protected information under Federal law.

I have provided Advanced Capital Solutions with a cease and desist request asking that they do not contact my family or friends or anyone else by phone. 

I also wish to bring awareness to the appropriate government agency that they are not in compliance with applicable laws regarding the sharing of personal information related to any alleged debt with anyone other than myself. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX has been hounding me for years about a account that's not mine in the amount of {$58.00} for the XXXX. I want it removed I keep disputing it but it remains. Please help me.
Product: Credit reporting or other personal consumer reports

A few months ago, I found out about an auto policy that my ex-husband has through XXXX. This policy is dated XXXX XXXX XX/XX/XXXX. I am named as a policy holder on the policy even though my ex-husband and I separated in XX/XX/XXXX and legally divorced XX/XX/XXXX. I had my own personal auto insurance during this time that was not through XXXX or connected to my ex. I had no knowledge of the policy until a few months ago which I found on my XXXX  report. From what I can tell, my ex-husband is committing insurance fraud on this policy by keeping my name on it for 4 years after our divorce to keep his rates down. He has a history of multiple at fault accidents and other claims, while I have not had an accident for almost 6 years. This policy is affecting my insurance rates because of my ex-husband 's accident history. 

I have contacted LexisNexis to dispute the information on my XXXX  report three times on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I have been denied because the XXXX policy names me a policy holder, however my name on the policy is fraudulent. I have also contacted XXXX multiple times to have my information removed from the policy and the information corrected, but they refuse to remove me from the policy.
Product: Student loan

These accounts from " Transworld Systems '' showed up on my credit report in XX/XX/XXXX as delinquent although I was never contacted by them in any way. Initially, I thought identity was stolen, but apparently this is an attempt to collect on loans from XX/XX/XXXX that I thought were forgiven due to the fact that I am permanently XXXX and on Social Security XXXX due to severe XXXX XXXX & XXXX. I don't understand why Transworld Systems is now, out of nowhere, reporting that I am delinquent on this debt. Moreover, the information they are giving the credit agencies is very misleading because it is showing that the account was opened XX/XX/XXXX. I never opened an account with them, and for them to report this as late without ever notifying me that I owed anything is very unfair. I've called numerous times but the line is ALWAYS busy. I'm not sure, but this seems like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Greetings, I have initiated disputes with XXXX  and Trans Union to remove incorrectly reported late payments for XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. XXXX and Trans Union will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to XXXX  and Trans Union to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XXXX. Below are the reported late months that should be updated on my XXXX  and Trans Union credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX : XXXX DOB : XX/XX/XXXX
Product: Credit reporting

I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. XXXX said they are investigating the other XXXX would not do anything. Also when I dispute with Transunion it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially XXXX bankruptcies that I never finished going through the court system for. I provided paperwork to transunion showing the case was dismissed and I owe nothing, XXXX balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an XXXX Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. Under USC 1681g, I am asking for their deletion within XXXX  days. Please find the necessary documents enclosed for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATIONXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, and 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: Debt collection

Balance of {$340.00} from XXXX. The policy was canceled It has been open since XXXX XXXX. Now this is in collections.
Product: Credit card or prepaid card

XXXX XXXX XXXX has employed a bank, Comenity Bank, which has only a website available to make payments. 

The website has been down for over 36 hours as of XXXX XXXX on Tuesday XXXX XX/XX/2022. 

https : //c.comenity.net/ac/bjs/public/home Additionally they do not answer their phone for over thirty-six hours. 

Consumers who have had payments due can not pay their bills. 

XXXX XXXX
Product: Mortgage

I have a 15 year term 4 % simple interest mortgage loan with Citizens Bank that initiated XX/XX/XXXX. I always paid the monthly loan payments early, frequently by more than a week or so. Until XX/XX/XXXX, the bank provided payment coupons that did not itemize how the payment was applied- interest vs principal. This year, Citizens Bank began providing monthly statements providing a breakdown of interest vs principal. Recently, I happened to review and calculate the bank 's breakdown of interest vs principal on a current monthly statement. I found that the bank had erroneously calculated the breakdown, applying more of the payment to interest ( about {$40.00} or so if my recollection is accurate ) and a correspondingly lesser amount to principal, thus erroneouly overstating the principal balance due after payment was applied. I then went back and reviewed the other statements for this year and found that they all contained erroneous calculations of interest. I contacted the bank, and was told by a representative to " put a sticky note '' on the statement when paying, disputing their calculation. Finding this resolution unacceptable, I asked to speak with a supervisor. A supervisor reviewed the statement and had no explanation for the improper calculations of interest vs principal. I asked for a review of my account and that the bank send me a print out of my payments and their calculations. Because this is a " simple interest '' mortgage product, the fact that I would always pay the mortgage payment early, usually substantially so, would result in a payoff sooner than 180 months. It appears that Citizens Bank has been recalculating the interest/principal apportionment to insure that the final payment is not reached until the full 180 month term. I have not received the promised follow up by the bank. I would very much appreciate your investigatingthe bank 's activity re account. In a follow up communication, I can scan in and provide you with copies of the erroneous statements. Citizens Bank 's conduct appears unfair, deceptive and abusive and a violation of the Act. Thank you for whatever assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a identity theft report to XXXX and Experian and they both denied me my right to have the information blocked from my credit report. I was not given a reason as to why the information wasn't removed, they also did not block the information from my report within 4 business days as they are supposed to. This is infringing upon my right as a consumer to have corrected and updated information to be shown on my credit reports, this hurts my ability to obtain credit. I would like to request that they immediately delete the accounts that are fraudulent and do their best to keep inaccurate info off my reports and from hurting my chances at obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in the military and I sent in all the proper paperwork and information to the credit bureaus to have them accurately fix these issues. Some of these items are taken off of some of the 3 bureaus and still reporting on the other. The process should be the same for one and the other. While in the Military it is hard to contact the credit bureaus from overseas and I am fed up. This has been going on for over 5 years. I sent in FTC reports and also a FBI Victim report because the Feds caught the guys with id and drivers license in my name and arrested some of them. 
XXXX : PNC BANK AUTO LOAN XXXX XXXX XXXX PNC BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALL THESE ACCOUNTS BEEN CORRECTED ON XXXX AND XXXX BUT NOT XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX REPORTED THIS ACCOUNT THAT WAS FRAUD AND DELETED PREVIOUSLY FROM XXXX XXXX THE PURCHASED SOME DEBT FROM SOMEWHERE AND REPORTED THIS TO MY CREDIT I TOLD THEM THAT IT WAS FRAUD AND DELETED BY THE CREDITOR.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. Your agency has violated my consumer rights and violated federal law. This is now multiple times in bringing this to your attention in an attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter.

I will be contacting the local police and filing an FTC report for fraud as your agency has stolen my identity and posted private information about me that is damaging my credit worthiness. I DID NOT GIVE YOU PERMISSION TO POST THIS INFORMATION. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts and inquiries that are still reporting on my account : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$800.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2020
Product: Mortgage

Nationstar Mortgage continues to generate incorrect monthly statements on my mortgage account since XX/XX/XXXX. Nationstar mortgage refuses to correct this issue and advises me to disregard the incorrect mortgage statements. My monthly mortgage statements do not reflect information on Nationstar 's detailed transaction history, which makes it difficult to properly track my mortgage account history. 
I filed a prior complaint with the CFPB, complaint # XXXX, which states that Nationstar has been charging me more than a 4 % late charge fee. Nationstar completed an investigation and found no errors and to be within legal compliance. Nationstar refers me to their " internal system of records '' as evidence to support their claim of " no wrong doing ''. My monthly mortgage statements from XX/XX/XXXX-XX/XX/XXXX clearly show late charge fees over the 4 % allowed by law. 
On XX/XX/XXXX Nationstar waived a late fee of {$100.00} this appears on my XX/XX/XXXX mortgage statement as XXXX separate fees being waived of {$50.00}. This is clear evidence of Nationstar 's illegal billing practices, when it comes to compounding/pyramiding fees. Nationstar is billing XXXX late fees, disguised as XXXX total late fee. Additionally if my account has been current since XX/XX/XXXX, Nationstar removed {$100.00} from my account on XX/XX/XXXX and XX/XX/XXXX. Where did the funds come from to cover these fees, if my statements do not reflect an additional unapplied funds balance? 
How can Nationstar conduct a proper accurate investigation on my mortgage account, if they are providing false and incorrect mortgage statements? These statements clearly do not match Nationstar 's " Detailed Transaction History '' that they are using as evidence to dispute any errors disclosed to Nationstar!
Product: Debt collection

Portfolio Recovery purchased debt I owed on a former XXXX Card Services/XXXX XXXX XXXX credit card. The statute of limitations expired on this debt in XXXX, XXXX. They were calling several times a day from different numbers. So early in XXXX, XXXX, I sent them a certified letter asking them to stop calling. I have tracking information showing the letter was received. But they still call several times every day. In addition to the number I provided, they also call my cell phone, XXXX. I don't answer the calls, but they are still annoying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Been Disputing the Collection account XXXX XXXX with Equifax since XX/XX/2022. I have requested the deletion of this account at least twice with Equifax because it is reporting inaccurate information and is in violation of the FCRA. When compared to XXXX credit report the information has inconsistencies. The PAST DUE amount is showing {$2900.00}. A collection agency should never report a PAST DUE Balance on a collection Account. It has been reporting this inaccurate information for over 3 years and has affected my credit score with a negative impact preventing me from getting Credit with other companies. This inaccurate info has been hindering my credit growth and has violated my consumer rights. It shows the Original amount is {$2900.00} and that is not correct. I never Received a letter from XXXX prior to them reporting this on my credit report.