23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed the false items from my credit report, and they did not send me physical proof which is break the law per 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 you post on a credit report. I requested for this to be removed from my report and block it per section 605B of the Fair Credit Reporting Act. I provided documents to prove they received it.
Product: Mortgage

Mr. Cooper informed me that on XX/XX/XXXX, there would be an increase in my mortgage due to my property assessment on XX/XX/XXXX. However, in XXXX, I learned that I could apply for a property exemption through XXXX, which I did. 

My payment amount was {$2200.00}, and it has increased to {$3400.00} resulting in a {$1100.00} increase. I submitted all the required documents from XXXX at the beginning of XXXX, yet, to date, the issue has not been addressed by Mr. Cooper. 

On XX/XX/XXXX, I received a call stating that they were contacting me regarding a late payment. Approximately XXXX weeks after submitting my documents to Mr. Cooper, I spoke to a representative who assured me that the process would be completed by XX/XX/XXXX. However, on that same day, I received a voicemail requesting payment. Upon returning the call, another representative informed me that the process would now take XXXX months to complete. 
I am unable to pay that increase due to lack of resources. This is more than a month ; my payment should be adjusted, and my amount due should have returned to my previous payment of {$2200.00}.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Product: Payday loan, title loan, or personal loan

When I called in last month XXXX let me know she was over the store now and she gave me incorrect rates. I let her know I have my contract on the TitleMax app and she was wrong. She continued arguing with me until I asked for the corporate number. I spoke with XXXX and she advised XXXX was wrong and said that she would be trained. She asked if I needed anything I said no I was trying to help myself and others to not be deceived. XXXX even called me back to let me know she spoke with XXXX. This month XXXX called me on Monday to let me know I was late I let her know I would pay on the app on Friday. Tuesday I get another call from XXXX asking me when I would make a payment I let her know I just talked to her Monday and she called my sister. On Wednesday she called again I let her know it was harassment at this time because you already know and you dont need to call me everyday and that was against the law to harass me. I called the district office again and left a message for XXXX At XXXX XXXX , XXXX was on vacation. The store that Im referring to is on XXXX XXXX XXXX XXXX. I am XXXX and this is really bothering me medically so I need help. I have attached the 3 days in a row TitleMax have called me and Ive spoken with them. Its harassment.
Product: Checking or savings account

My card was stolen or lost. I dont recognize many charges. The charges that I dont recognize triggered over {$140.00} in overdraft fees. Ive been with this bank for many many years, cant believe Im being treated this way. Additionally citizens Bank is supposed to not allow any purchases if the account goes below XXXX. However, they continued to allow the card to be used even though the account was in the XXXX
Product: Credit reporting or other personal consumer reports

I am extremely concerned about the blatant discrepancies in my credit report regarding my XXXX XXXX account, and I demand immediate action to correct these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 {$8300.00} auto trakk is reporting late payments and false repossession status I didnt give them anything they came and got it from the repair shop there selves
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/200XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX  XXXX Balance XXXX {$140.00} XXXX XXXX XXXX Balance : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX in your letter are no truth no facts. I first purchased my home XX/XX/XXXX and not my wife but it were I that refinanced on XX/XX/XXXX to XXXX XXXX and transferred to XXXX  at no time did I ever do a mortgage with XXXX, A lie. I see that you never mentioned my loan number XXXX thank you tells me you know who it belongs to and if not just review just confirmation numbers as XXXX and XXXX. Multiple dates are given now over XXXX decades XXXX XXXX fake SSN XXXX says he purchased several dates including on court record XX/XX/XXXX you say in your letter XX/XX/XXXX your attorney says XX/XX/XXXX in an email in XXXX. Currently pending on the CFPB portal against century XXXX ending XXXX asking them and refin about false advertising that XXXX XXXX is owner and purchased on XX/XX/XXXX with XXXX XXXX and both century XXXX. XXXX XXXX CFPB ending XXXX letter dated XX/XX/XXXX investigated and concluded " NO FORECLOSURE '' and the property went back to chase. Your client fake doctor and XXXX XXXX professor on loan applications had XXXX fake XXXX degrees I reported as XXXX PENDING. Also, wrongfully lying that he is the owner imposed on judge XXXX as she has said since XXXX and complaint against her are pending since XX/XX/XXXX as JTC # XXXX. He cash XXXX chase checks in my name XXXX handledd by det. XXXX XXXX XXXX. Explain why I have XXXX inquiries recently on my credit file from XXXX Treasury. 

Please tell the truth.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX multiple times via phone and also by Certified mail XX/XX/year> XX/XX/year> XX/XX/year> in regards to sending a registered mail certified copy of my 1099-C. For charge-off that's reporting on my consumer report, after multiple attempts I have yet to receive anything from this company, failure to provide the document needed has resulted in my taxes not being accurate which could lead to an audit, fines etc. ; this means XXXX taxes are also inaccurate and should be justifiably audited by the IRS. if the debt hasn't been written off then this it's unfair deceptive practice collecting twice its FRAUD and I will sue statutory damages. Take further notice this company is also reporting duplicate accounts Acct # XXXX and Acct # XXXX open the same day month and year with the same balance but different account numbers which is another discrepancy due to the lack of detail and a inaccurate investigation with the credit bureaus.
Product: Credit reporting or other personal consumer reports

An unknown individual has used my personal information to obtain mobile service and personal loans without my knowledge. 
XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX As well as inquiries from these companies. 
XXXX XXXX XXXX I have filed a FTC report on these fraudulent activities.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in month reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX   and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

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

On XX/XX/2021 at XXXX I purchased the crypto currency power ledger in the amount of XXXX coins the following day they removed my coins and my money XXXX the XXXX and delisted the XXXX XXXX companys name is Coinbase.. The reference code to the receipt is XXXX they seem to have done this to many people!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted WELLS FARGO CARD SERVICE about reporting late payment after account was paid in the amount {$420.00} in XXXX. WELLS FARGO CARD SERVICE still reporting late payment as recent as XXXX. This card was closed and paid off years ago. However Wells Fargo has been reporting late payments as an closed account. I do not have any late payment because I closed this account out years ago. I dispute this action back in XXXX and in XXXX. No action was taken and they continue to report late payments.
Product: Checking or savings account

Truist Bank Checking Account Transactions- all dated XX/XX/XXXX ; listed in order : {$890.00} - direct deposit {$370.00} - XXXX  transfer {$280.00} - XXXX transfer {$36.00}. - overdraft fee {$20.00} - ATM withdrawal {$36.00}. - Overdraft fee {$120.00} - ATM withdrawal {$36.00} - Overdraft fee The direct deposit covered every transaction i completed ; I should not have been charged overdrafts. Truist will not remove because only two every two years ; same problem twice before and no more courtesy removals.
Product: Debt collection

XXXX XXXX XXXX XXXX {$2100.00} ITS ALL THREE OF MY REPORT XXXX, XXXX, XXXX. ISENT A DEMAND LETTER TO VALIDATE THAT THIS ACCOUNT BELONGS TO ME. THEY SENT ME A BILL ONLY I REQUESTED SOMETHING THAT WAS SIGNED BY ME
Product: Checking or savings account

So what happened was I was testing out there mobile deposit feature with a old check I had that had previously been cashed by mistake it submitted the check without my making a final say so I was just testing the auto capture feature I never intended on cashing the check with capital one because I had previously cashed it out with a different bank long story short they froze my account because the check bounced back and now I have XXXX $ thats just sitting in the frozen acc and they wont issue me a check or any way I can get my XXXX $ from that bank account please help me
Product: Student loan

I graduated in XXXX with XXXX in student loans. From XXXX to XXXX, the lender did not apply any portion of the payment to the principal balance and continued to accrue daily interest on an improperly calculated balance. In XXXX, when the loan was not paid off due to their errors, they increased my payment by almost double. After I argued with them and showed them that they had incorrectly applied payments, they zeroed out future payment interest so that all payments went to principal but they did not go back and reassess how the payments were applied from XXXX to XXXX so the balance does not reflect the credit for that period of time. To date I have made XXXX payments plus garnishment payments totaling XXXX, XXXX which has gone to interest and an additional XXXX towards a XXXX balance yet I still have a balance of XXXX which I have stopped paying and am headed into default on because I have XXXX and can no longer pay this and I do not believe I owe this. Despite repeated attempts to resolve this, I am continuing to get answers involving how much interest I accrued during forbearances and deferments, which was never disclosed to me up front and is capped regardless. What they are refusing to do is to reassess the loan with the proper application of payment to principal which would reduce the daily interest they claimed they were applying the payment to and additionally results in the loan being at a credited balance. Additionally, they continue to report me as late on a loan that I has been paid. I have attached the payment history and current statement amounts. On the payment history it is very clear that nothing was applied to the principal, there was money credited towards fees that were not due, the daily interest keeps increasing due to the failure to properly apply the payments to principal, the principal balance increases somehow by almost XXXX, and the balance is never recalculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I ave the right to privacy.

15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had bankruptcy. We attempted to reaffirm a XXXX XXXX  car loan in XXXX they never responded and we included it in the bankruptcy. We got it discharged in XXXX. Vehicle was repossessed voluntarily in XXXX. It showed up as a charged off debt on our credit report. In XXXX, I noticed our Transunion score dropping points every month due to a balance increase with XXXX XXXX creditor. We disputed this stating it was part of a bankruptcy. Transunion then reported the debt as REAFFIRMED and it popped up as a new debt on our credit report which XXXX and XXXX also changed their reporting to Debt Reaffirmed and new debt. This is a 4 year old debt that was never reaffirmed and it's passed our XXXX statute of limitations for debt collection! I tried disputing again but XXXX dispute center won't accept the PDF documents of our petition and discharge. XXXX only took off the remarks but the debt still show as current instead of charged off. Transunion didn't do anything. We are trying to get a house and this is wreaking havoc with over 20 points loss on each credit bureau!
Product: Consumer Loan

I OVERPAID THE LOAN, which was a ZERO INTEREST LOAN, as long as I made the 6 payments plus a balloon payment at the end. I did that. 

SpringLeaf a month later refunded the over payment. Then they began sending me letters because I was such a good customer. Then two years later they claimed I owed them some monthly payments. They are ruining my credit. I believe the underlying merchant asked them to lie about my payments so they do not have to perform warranty work. 

I would like you to investigate them. I sent them a nice letter asking for a history of all payments and they have ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$2300.00}, which exceeds the original credit limit of {$2000.00}. This reporting is both inaccurate and misleading, as it reflects a utilization rate of 117 %, despite the account being charged off. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX 's status as the creditor. I do not acknowledge this debt, and I request proof of XXXXXXXX XXXX legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. 
Furthermore, I request verification that XXXX XXXX is still the legal owner of the debt. If this debt has been transferred or sold, XXXX XXXX should not be reporting it, in accordance with FCRA 15 U.S.C. 1681s-2 ( b ). I also dispute the current payment status, marked as In Collections/Charge-off with a past due amount of {$2300.00}, since this account was closed and charged off on XX/XX/year>. No additional payments should be marked as past due, making this reporting inaccurate under FCRA 15 U.S.C. 1681i. Moreover, the worst payment status is incomplete, violating FCRA 15 U.S.C. 1681c, and should be corrected or removed. Lastly, I dispute the remarks stating " Charged off as bad debt ; Dispute resolved, '' as I do not agree with the resolution of my prior dispute. These remarks are misleading and should be removed, as per FCRA 15 U.S.C. 1681s-2. I request a thorough re-investigation of all the account details, including the balance, creditor status, payment status, and remarks. I ask that all inaccuracies be corrected or removed from my credit report. Please provide written confirmation of the results of your investigation and a valid contractual agreement containing my full signature to substantiate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as XXXX 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different credit amounts {$3600.00} and {$1800.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion credit bureau and they are unwilling to verify my identity over the phone and they keep repeating to me asking me to mail documents in and I'm getting sick of it I want a free annual credit report and a courtesy credit report spaced apart to check for accuracy and inaccuracies.
Product: Debt collection

XXXX XXXX  has repeatedly sent me to different collection companies for cable boxes that were allegedly not returned. I lived with a roommate and when we parted ways in XXXX of 2017 we went to a XXXX  store in XXXX XXXX and requested a transfer of responsibility to his name. I don't believe they gave us any documentation but i no longer received bills in my name and i believe they began emailing him the bills instead. Also this was 5 years ago so if there were paperwork i wouldnt still have it but they should have record of who they were billing and receiving payment from last. The last time they sent me to collections i successfully disputed it and it was removed from my credit report. I gave XXXX the name and phone number of the person responsible back then why they chose not to follow up i dont know or understand. Since then they recently started a new collections with a different company but never sent me anything in the mail i only found out by monitoring my report with XXXX. I have tried to dispute with XXXX  but they have unjustly sided with XXXX.