23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Specialized Loan Servicing, LLC. is attempting to extort money from me to pay an alleged debt. I have tried privately to get a certified financial statement from their CEO or CFO, however my certified mail addressed to them gets a generic computerized response from a random " employee '' at their office. They use the mail to send threatening letters, claiming they have rights to sell my property if they consider me in default. After I brought my concerns to their attention that there appears to be an error with their claim, they took retaliatory action and transferred the account to another third party debt collector to take further malicious action against me and my property- again claiming they had rights to a foreclosure of my property. These third party debt collectors are conspiring to deprive me of my God-given rights to my property- they prey on consumers who do not have " business knowledge '' by sending documents with deceptive and fraudulent language you are not intended to comprehend, and is intending to be misleading, so they can get you to unknowingly abandon your property. I performed a securitization audit of the alleged account and came across the CUSIP report, detailing the value of the stock investment ( after Specialized Loan Servicing unlawfully sold the account to investors for profit ) and the value being in the millions, there does not appear to be ANY WAY I can be in any type of default or debt to them. They are GROSSLY and unjustly enriching themselves from the consumer 's lack of business sophistication to be able to spot the deceit in their documents and contracts. This corporation has already been sanctioned by the CFPB for the exact same type of fraud. It does not appear this has discouraged them from continuing to abuse consumers in collecting debts. I insist an investigation be brought unto Specialized Loan Servicing, LLC. and their partners XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. as to their business practices and specifically what policies they have instituted to prevent consumers from fraud and abusive debt collection practices. This corporation along with the other parties need to be stopped before any further harm can be done to myself or potentially millions of other consumers whose accounts these corporations may come into contact with. 
Respectfully and honorably submitted by : XXXX XXXX XXXX, beneficiary, All Rights Reserved
Product: Credit card

Citibank automatically increases my credit card limit with out my permission or approval. I have to call in and spend 1 hour on the phone getting bounced around to have someone move the credit limit to its original level. I do not want more credit and will call in and ask if I want more. It should be simple for them to correct this but they dont..not sure why as they always end with it wont happen again. And they apologize.
Product: Student loan

Upon leaving XXXX XXXX, I was initially unable to consolidate my loans due to not graduating. I was in deferment because I was a student but applied to a program in XX/XX/2008 to get reduced payments by submitting three consecutive payments. I was denied this reduction because I was still a student. My interest has taken a XXXX dollar loan to over 200,000. I have tried to negotiate payments and offered buy outs. I was unable to afford their monthly as well as buy out offers and now they have resorted in selling my loan to a collection agency to avoid their responsibility.
Product: Checking or savings account

On XX/XX/XXXX there was a debit from my account for {$210.00} that caused my account to be overdrawn. On this day, there were absolutely no other transactions pending. They reordered my transactions, causing 4 overdrafts instead of one and even charged overdrafts on the charges that had already cleared. I work in banking and I am well aware of the reordering. This is absolutely not to insure " the most important transactions get paid first '' As the charge that over drafted my account wasn't even paid anyway.
Product: Debt collection

I had XXXX medical bills from college, about XXXX that I did not know existed. They were given to a debt collector and after seeing them on my credit report I paid them in XXXX. Now, a company called Credit Control LLC is attempting to collect the debt again even though it was zeroed out on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to Clarity to fix inaccurate information about my personal information. 

I sent my letter off to correct the " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Subject : Fraudulent Account Opened in My Name Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute a fraudulent account that has been opened under my name and to request the immediate removal of any associated late payment records affecting my credit history. 
In XX/XX/XXXX, it came to my attention that an account was opened using my personal information without my consent. I would like to stress that I have never served in the military nor do I have any acquaintances who have. The lack of connection to XXXX XXXX XXXX XXXX raises further questions regarding the legitimacy of this account. Additionally, I am aware that no branches of XXXX XXXX operate within my state. As such, I am unclear on how this account could have been opened allegedly in my name. 
Unfortunately, my identity has been involved in numerous data breaches, leading to an increased risk of identity theft. To address these issues, I have filed a police report regarding the unauthorized activity on my credit report, and I have taken steps to monitor my accounts closely. It is concerning that the opening of this fraudulent account has not only impacted my credit score but has also led to late payments being reported, which I did not incur.

Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft, such as myself, have specific rights that protect them from adverse events resulting from unauthorized use of their personal information. Section 605 ( e ) of the FCRA prohibits the reporting of information related to the account that resulted from identity theft, and I believe that these protections apply in my case. Thus, I respectfully request the removal of any late payments and history associated with the fraudulent account from my credit report.

I am prepared to provide any additional documentation necessary to assist you in your investigation, including a copy of the police report and evidence of the data breaches involving my information. I urge you to take this matter seriously, as it not only affects my financial stability but also my peace of mind.

I appreciate your prompt attention to this issue and look forward to your swift action in resolving this matter. Please confirm in writing that the actions I have requested have been completed and that my credit report has been updated accordingly.

Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ] [ Last Four Digits of XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

original complaint : XXXX Company lied in there response and is still ignoring me. My insurance just defaulted again this year XX/XX/2023 for non payment. 

I am being forced to pay the late fees. 

They are using the bankryptcy excuse to ignore me. 

I will have the home insurance company be the first to testify about this issue. So the mortgage company can keep lying as long as its to a judge i dont mind anymore/ I now have two home insurance defaults due to the mortgage company not paying at all or on time.

I am being forced to pay all the late fees and the home insurance twice out of pocket so my insurance isnt turned off.

i have all copies of the defaulted documents and all phone calls are recorded with the home insurance company. 

XXXX XXXX LIED IN EVERY RESPONSE. 

original complaint : XXXX STILL STANDS. THEY IGNORED THIS WITH EXUSES AND LIES WHICJ I CAN NOW PROVE IN A COURT ROOM.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX Date Opened - XX/XX/2013 Balance - {$16000.00} Not my account. Shows open with several late payments. After continued requests to remove this error from my credit reports, I have gotten no response from XXXX XXXX.
Product: Credit reporting

THE CREDITOR SUN LOAN DID NOT APPLY MY PAYMENTS SHOWING MY ACCOUNT WAS SATISFIED.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023
Product: Vehicle loan or lease

15 us 1681 C. Vehicle has been totaled out. Financially can not afford to pay for a vehicle I no longer have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I was trying to lease an apartment from a place called XXXX I had the lease to sign and had put down a {$150.00} deposit. XXXX canceled the lease due to the resident not moving. Per the lease the {$150.00} deposit was refundable I requested it back via the payment method my card. They stated they could not refund via card and they would mail me a check. As I needed the money ASAP for a new apartment deposit I request it be over night mailed. XXXX stated the check would take XXXX weeks. The lease was canceled on XX/XX/XXXX they did not send out a check so on XX/XX/XXXX I disputed the transaction with my bank for the deposit charges. The bank took over the issues and resolved it in my favor returning the money. I never heard back from XXXX or got a check sent to me from them. I got a account in collections on my XXXX report from a XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX I disputed that with XXXX they came back with no resolution. I called and explained the situation and they stated CFPB would be the next step to get the derogatory mark off my credit. I have not owed XXXX nor do I owe them anything as it was a deposit for a unit I never signed a lease for or moved into. They owed me money and did not return it so I got my bank to get it squared away. I want the mark taken off my credit and for them to show that I am in good standing
Product: Credit card or prepaid card

I live in South Florida and was in a shelter and went without work and pay for two weeks due to Hurricane Irma. All my creditors are deferring at least one month 's payment except Capital One. I have no way of making my payment because I just began work and I am behind on my utilities and I might have trouble with rent and car payment. I called Capital One and asked if they would defer my XXXX payment. They refused. They only said they would not charge me a late fee. I begged them to help me, but they refused. I am living in a county that has been declared a federal disaster area.
Product: Credit reporting or other personal consumer reports

It has come to my attention that TransUnion, XXXX, and XXXX have failed to address inaccuracies on my credit report, despite my repeated dispute attempts. The incorrect information continues to be reported, which has negatively impacted my credit profile. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is being reported on my credit file beyond the legally permitted time frame, which should have been excluded.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus have not conducted a reasonable re-investigation of my disputes or provided sufficient evidence to validate the accuracy of the reported items.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure that the information on my credit report is accurate and complete, resulting in continued errors even after my disputes. 

I urge the CFPB to investigate this matter and enforce compliance with the FCRA to ensure the inaccuracies are corrected and these violations are addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting that I have proof of illegally reporting inaccurate information about me.with the following collection past due dates and balances of the amounts. This is a violation of FCRA and I have a right to a completely accurate credit report and if not true I would appreciate it it if you PLEASE IMMEDIATELY REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX reporting open Experian closed XXXX closed ( incorrect delete item by law ) XXXX XXXX XXXX XXXX reporting closed Experian closed XXXX open ( incorrect delete item by law ) XXXX XXXX TransUnion date incorrect Experian date wrong XXXX I date incorrect These are effecting my life by not being reported correct all I ask for is to be DELETED AND REMOVED FROM MY CREDIT REPORT THANK YOU
Product: Vehicle loan or lease

I bought out my lease for {$12000.00} on XX/XX/22. At one point, i had the wrong address so i had to fix that with them. However that was over a month ago. I still have not received my title. 

I bought out the car to sell it. However, i still have not received the title. This has caused me to be out {$12000.00} since XXXX, it is now XX/XX/XXXX. On top of that, ive had to keep driving the car and putting miles on it, depreciating the value of the car. 

I have had 7 calls with hyundai just trying to get answers. All im being told is the title department is backed up. Nothing concrete. 

One of those calls, i was told by the supervisor that multiple customer service agents did not send the work order through. I can not get in touch with the title department currently, nor get an answer about when/if it is coming. 

I was also told by hyundai that someone from their " care '' team would reach out to me in 2-4 business days to discuss the issue. That has not happened. 

I am becoming concerned as i told them, its getting to the point where id rather return the car and get my money back, however i was given no available recourse to do so. 

I genuinely need help with this, as {$12000.00} dollars is a lot of money for me and i have nothing to show for it. 

XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and notice accounts that are not mines. These accounts were : XXXX XXXX  XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 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 of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Names : XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX, NC XXXX Collecons : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employer : XXXX XXXX Inquiry : XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Experian Employers : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 

Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX NC XXXX Collecons : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is stating XXXX XXXX # XXXX is reporting my account as Refinanced and that's not true. The loan was " PAID IN FULL '' and " PAID OFF '' early, so why would it be reporting as refinanced. 

Experian Status states " Paid Satisfactorily '' the loan was paid in Full. XXXX need to ensure Experian is reporting this information correctly as it affects my credit profile.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with XXXX and Transunion regarding XXXX XXXX  since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX  to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX  with the XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX. My XXXX  date was XX/XX/XXXX, XXXX. I provided the XXXX  documents provided to me by the XXXX XXXX XXXX when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX, Transunion, and XXXX XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) has violated my rights. 
15 USC 1681 section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my 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 and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/ XXXX XXXX is reporting an erroneous late to my credit file. This late is for XX/XX/21. I never received a call, letter, or notice that i was delinquent because i made this payment on time. I wasn't even aware of the late notation until i had my credit pulled. I have had this account open for a very long time and have not been late in the past 3 years. I am asking that you remove this late from my credit file, i was not late.
Product: Consumer Loan

We leased a XXXX XXXX from XXXX XXXX in XXXX, OH in the year XX/XX/XXXX. The Owner of the vehicle was my friend XXXX XXXX. I was the co signer. We leased the vehicle for XXXX total years and always made payments on time. The lease worked in a such a way that, We could pay the rest amount of approximately {$8100.00} at the lease end and own the vehicle. After the XXXX years however, XXXX XXXX and Toyota Motors together warned and requested us to drop the car off and the Customer representatives with XXXX confirmed with me that I would not owe them any money after I did so. We wanted to buy the car for the rest {$8100.00} in balance but they did not let us do so. After some time, XXXX let me finance another XXXX XXXX as a single Owner ( XX/XX/XXXX XXXX XXXX, Present Owner ), But reported a {$8100.00} balance to the credit report agencies as a debt I owed them for the earlier car I leased and returned. 
Toyota financials and XXXX XXXX acted unethically in a malicious way treating their loyal customers by not letting us buy the car and reporting a balance I did not owe them. I emailed XXXX XXXX back in the day to own the car for remaining balance of {$8100.00} but they never replied as they intended to make more money from me and by also retaining the car. They did not try to help me out. I had so many problems because of losing the car and having a derogatory remarks on my credit.