23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

We haven't received your scheduled payment. Did something change? 

Hi XXXX, We know life happens, and sometimes bills can slip through the cracks. 

That's why we have plans that can fit your situation. Please review and make your payment towards your {$270.00} balance with XXXX XXXX XXXX ( current creditor of your original XXXXXXXX XXXX XXXX  XXXX. account ). Stay on track with a payment plan and make payments that work for you. 
You can also click here to make your payment and get back on a recurring plan. 

MAKE A PAYMENT Your plan # Date Amount Status XXXX XX/XX/year> {$120.00} Paid XXXX XX/XX/year> {$120.00} Paid XXXX XX/XX/year> {$120.00} Unpaid XXXX XX/XX/year> {$120.00} XXXX XX/XX/year> {$34.00} We haven't received your scheduled payment. Did something change? 

Hi XXXX, We know life happens, and sometimes bills can slip through the cracks. 

That's why we have plans that can fit your situation. Please review and make your payment towards your {$270.00} balance with XXXX XXXX XXXX ( current creditor of your original XXXX XXXXXXXX XXXX XXXXXXXX. account ). Stay on track with a payment plan and make payments that work for you. 
You can also click here to make your payment and get back on a recurring plan. 

MAKE A PAYMENT Your plan # Date Amount Status XXXX XX/XX/year> {$120.00} Paid XXXX XX/XX/year> {$120.00} Paid XXXX XX/XX/year> {$120.00} Unpaid XXXX XX/XX/year> {$120.00} XXXX XX/XX/year> {$34.00} I did not make this payment last month to a local business and the customer service at the local public storage and regions bank think because this is a starter account, I do not know how to manage a check book and I would like for a law agency to look at this because I have had identity theft over the last 4 years and these people are trying all kind of scams. 

Because I paid one bill first they are moving money around in my account and not assisting me at all. Actually, I would have already brought this to the attention of the Local Police and now I am referring this to the Agency In Charge Of these State Funds, and federal funding. I don't need that type of assistance. The employee is too persistent about me coming into that office and my items have been there for some years now and this has been happening since XXXX started working there. 

NOW I AM NOT A COP OR THE SMARTEST PERSON IN THE COUNTY BUT IF I AM HOMELESS OUTSIDE AND I HAVE A STORAGE UNIT AND THE KEYS ARE STOLEN AND I NEVER COME TO THE UNIT BUT JUST PAY ONLINE? I SKIP A PAYMENT AND ALL OF A SUDDEN MY THINGS ARE IN AUCTION STATUS IN ONE MONTH, NOW SOUNDS LIKE SOMEONE IS TRYING TO COMMIT A CLEAN CRIME AND I AM NOT WITH THAT.
Product: Debt or credit management

On XX/XX/year>, I intended to contact XXXX XXXX regarding a debt resolution. Using XXXX, I selected what appeared to be XXXX XXXX contact information, unaware it was actually an advertisement for Credit Sage misrepresenting themselves. When I called, the representative claimed to be with XXXX XXXX, asked me to confirm my account, and accessed my personal information. 
The representative then asked for my debit card information, stating it was needed to verify my account and assist with resolving the debt. Believing I was speaking to XXXX XXXX, I provided the requested information. The representative falsely claimed Credit Sage would resolve my issue and charged me approximately {$400.00}. However, these services were never provided, and I later discovered I had been misled. 
This misrepresentation and unauthorized charge constitute deceptive practices. I seek to recover my funds and request that appropriate action be taken to address this fraudulent activity and prevent similar incidents in the future.
Product: Consumer Loan

In 2012 I went to XXXX of XXXX XXXX Georgia. At the time I had {$2000.00} to get a used vehicle. When I went into XXXX I advised what I was looking for because I was in bankruptcy. The sales man said I could get a new car with that amount of downpayment and they had authorization from the bankruptcy court. I spoke with the female sales manager and she reiterated the same. After talking to my bankruptcy attorney I was advised that was not the case and the court would not approve that amount. I called XXXX but they advised there was nothing they could do the loan was through santander. I called santander and advised I had to turn the car in. I did not have a choice the loan was not approved through the bankruptcy courts. Recently I pulled my credit and Santander has the loan in accurately reported on my credit file and also also it to another company. So it is reported as XXXX collection/delinquent accounts. This should not be on my credit file because the loan should have never been given especially under false information. It was evident I was in open bankruptcy.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to communicate, and make Equifax aw that there are fraudulent and unauthorized inquiries on my consumer report. And they continue to violate my rights by continuing to report this fraudulent and in accurate information on my consumer report. Then recently I seen two additional inquiries pop up on my credit report, which infuriates me because I continue to suffer from Equifaxs deliberate decision to ignore my request. The following inquiries are fraudulent and unauthorized and I want them removed from my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I filed a identity theft report with the FTC and I am including a copy of that report with this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have friends in XXXX to whom I send a few XXXX dollars per month!! 
I was sending some money with Xoom!! 
They now refuse to transfer money money for me!!! 
They also told me that it is against company policy to give me any information about their refusal to allow me to use their service! 
Isn't this like a loan company refusing to tell why my loan was denied??? 
XXXX XXXX, and XXXX XXXX have also blocked me, stating fears of fraud!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions Inc 18 usc 241 and 242 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 All parties failed to conduct a reasonable investigation pursuant to the FCRA, they failed to review all relevant information provided by me pursuant to the FCRA, failed to correct and update the accounts credit report, and failed to take appropriate measures upon notice of the disputed debt as outlined in the FCRA. The Complaint asserts a single cause of action alleging numerous and multiple willful, reckless or negligent violations of the FCRA, and seeks actual and statutory damages pursuant to 15 U.S.C. 1681n ( a ) ( 1 ), punitive damages pursuant to 15 U.S.C. 1681n ( a ) ( 2 ), and reasonable attorneys fees as iam Attorney-in-fact and costs pursuant to 15 U.S.C. 1681n ( a ) ( 3In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution.

18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act I wish the every violation get investigated.in an timely manner thank you
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$48000.00} XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$48000.00} XXXX  XXXX Balance : {$42000.00} XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 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 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have never applied nor perform services or business with XXXX XXXX XXXX yet there is an inquiry on my credit report dated XX/XX/. I am asking for a signed copy of the application along with a copy of my drivers license and removal of the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX collection agency about a collection that was on my report I advised them that this account should not be in collections because I was on XXXX XXXX and had got orders to move and had to leave my apartment I did give the apartment a copy of my move orders but they still sent me to collections with out telling me what it was for I asked about disputing it and basically was told it was on my credit report and I would need to pay it it I asked about my options and was told I could make a payment, I was advised that I could settle the account or pay in full the difference was if I settled it would show settled for less on my credit report and if I paid in full then it would be deleted, I went online on XX/XX/2020 and paid the balance in full. the account is still on my credit report as of today and I called on XX/XX/2020 and spoke with a manger and he said he would get back to me and never did and he did not correct the account, I payed the balance in full because of the deletion agreement he said once the payment cleared the account would be removed in 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2023, I contacted XXXX INFORMATION SERVICES to dispute inaccurate items appearing on my personal credit report. There was no action taken on my dispute and I have yet to receive a response. Therefore, since 30 days has passed with no response- these inaccuracies must be deleted from my credit report.
Product: Consumer Loan

Loan payment processing time within the Wells Fargo banking system. Payments automatically debited/transferred from Wells Fargo accounts take 3-5 days to process, accruing interest on full loan amounts daily.
Product: Credit reporting or other personal consumer reports

Sent certified letters, company failed to validate information with disputes. Also received a letter that I was impacted by the equifax data breach in the settlement
Product: Mortgage

My mortgage was sold by XXXX XXXX company to Shellpoint mortgage services. I enrolled in automatic payment when this happened starting XXXX this year. Shellpoint has pulled funds from my account every month since XXXX, but has not applied the payment to my mortgage. It is going into an account called " unapplied ''. The company has not rectified the matter have many repeated attempts and now I am getting threatening mail to foreclose. They have all my funds, but have not made an attempt to correct this incorrect application of the funds.
Product: Debt collection

I called and reported that it was paid and closed XX/XX/year> I owe nothing the account is XXXX
Product: Mortgage

Our clients submitted a loan modification to Ocwen and were given a single point of contact XXXX XXXX. During the process of loan modification, they were concerned about the pending foreclosure action that was ongoing and were fraudulently advised several times " not to worry about the foreclosure action of default because they were being reviewed for a loan moidification ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX {$3300.00} Loan Amount {$3000.00} It states I was late on payments XXXX, XXXX, and XXXX of XXXX. I continued to go to school so there for I did not have to make payments yet on this loan.
Product: Debt collection

On XX/XX/2019, I received a call from The Receivable Management Services XXXX ( RMS ) regarding a debt they say I owed with XXXX XXXX for a cancelled insurance policy in the amount of {$670.00}. I advised the rep that per my right, I could cancel my policy at any time, with no further debt owed. As I continued my discussion, I was advised I needed to formally open up a dispute regarding this debt. I was given the ref # XXXX. My dispute was filed via email, with the deceleration page attached as requested and I received a confirmation email on the same date of XX/XX/XXXX, with a promise of the dispute being resolved within a maximum of 30 days. 

On XX/XX/XXXX, I had yet to hear from RMS regarding the outcome of my dispute. Thus, I called and spoke with a very nice representative name XXXX XXXX. She informed me that XXXX had responded to my dispute, but to date their response was not being communicated to me. I advised her that I had not received any notification of the outcome, via mail, email or by phone. She stated no letter had been mailed. No phone call were to be placed as my number was not apart of those that go back into the cue for calls. 

As of today, she stated per her records, no communication had been sent or would be sent to me for follow-up on my dispute. I informed her this was unacceptable on RMS 's part as I was supposed to have received some type of resolution communication within the time frame promised. And since that did not happen, this needed to be removed my credit report immediately as I had followed all of the guidelines set forth in disputing inaccurate reporting according to FCRA. 

XXXX, graciously apologized for the error on their part and that this had not been handled correctly. To date, no notification has been received.
Product: Checking or savings account

I requested a wire transfer for {$120000.00} on XXXX XXXX, 2017 at XXXX AM XXXX for the closing cost of a house. There is a notice in Ally website that goes as follow : " Requests received or verified by XXXX pm XXXX, Monday to Friday, will process that same day. Wires received after the cut-off time, or on a weekend or holiday, will process the next available business day. 
We may need to call you to make sure you authorized this transaction. More than one business day may be required if we cant reach you for verification ''. 
Nobody contacted me from Ally to verify information until after I called them at XXXX PM XXXX. When I talked to XXXX at XXXX PM XXXX, he said that funds were going out today but that he could not give me a timeframe. I called them again at XXXX PM XXXX and XXXX, the supervisor, mentioned that wire was not going out today because it did not make the cut-off time and that there was nothing she could do because the department that handles the wires is closed until tomorrow. I have contacted Ally multiple times to resolve this but seems that Ally never had any intention of disbursing funds today and they shield themselves with the excuse that they were not able to verify transfer before cut-off time, even though they were supposed to contact me, and there was no way for me to reach out to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the dealerships not to run my credit multiple times. I have no knowledge of this company. I have tried to resolve the issue with the company but was unsuccessful. The dates reflecting on my credit report is XX/XX/2019 and XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

On XX/XX/ I submitted my recertification for my IDR. I never received an email or any notification that it was accepted or denied. Around late XX/XX/XXXXI received an email from XXXX XXXX that I have a payment due for XXXX. I called to find out that they never received recert. I verified email that it was sent to and it was correct. The customer rep then assisted to walk me through to upload my info through my account resubmitting again. Due date was close so I was forced to put my payment in forbearance. After being assured they received it this time I waited. XXXX I received another letter stating I was denied not eligible for XXXX, keep in my mind my family has not changed and my income did not change so why? I was told that my family size had changed and that I did not submit my husbands income.??? My ex- husband?! Who does not live with me. He was not even on my last IDR or the one before that! I was told they would resubmit to correct the error and was transferred to Forgiveness program unit to find out if due to error could I receive it as credit to my forgiveness. I was told I had to leave my acount in a 30 day default during investigation. No one contacted me so I called back to be told that my ticket is still open after 15 days. I was also told by the third rep that submitting through email is no longer excepted as of XX/XX/ which was way before I submitted, so why did that rep tell me to process it that way and the second did not say thatnas well. He also told me that I need to resubmit a new IDR because the last one I submitted has expired. Of all the years I have never experienced such delays. I just want my life to resume. To be left alone. I am doing my part and making my payments or what is owed to me as credit for finding a job and working hard. It not fair this company is dragging me through this.
Product: Debt collection

I am writing to file a formal complaint against Capital One regarding a debt they are alleging I owe. I am disputing the validity of this debt and formally requesting Capital One to provide full validation, as required under federal consumer protection laws.

Issue : Capital One has claimed that I owe a debt. However, I have not received sufficient documentation or validation to prove that this debt is valid and legally enforceable. I am requesting Capital One to provide proper validation of the debt, including : 1. The amount of the original debt. 
2. A breakdown of how the alleged debt amount was calculated.

3. Proof that the debt has not been paid or settled.

4. Any signed agreements or contracts showing that I am responsible for the alleged debt.

Legal Grounds : I am asserting my rights under the following federal laws, which require debt collectors and creditors to provide validation upon request : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Under Section 1692g, I have the right to request validation of the debt. This requires the creditor to provide sufficient proof that the debt is valid and that I am legally obligated to pay it. 
2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Capital One must also ensure the accuracy of the information they furnish to the credit reporting agencies. Reporting inaccurate or unverifiable debts is a violation of the FCRA.

3. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. If the debt stems from a credit transaction, I request any documentation related to my original credit agreement with Capital One, as required by the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may help, I have attempted to fix this problem without a positive result. I tried to do the right thing and payoff my charged off debts. I was told they were going to be deleted but it did not happen. Please help, this is stopping me from getting proper housing for my family due to payment history. Please see attached. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze on my credit report but on my credit report I see where there are 2 inquires that I did not authorize was on there... The FERA states that the only permissible purpose for pulling someone's credit report is A ) firm offer of credit B ) c insurance C ) employment or D ) a court order The following inquiries are related to none of the aforementioned permissible purpose XXXX XXXX XXXXXX/XX/XXXX * XXXX XXXX XXXX XX/XX/2023 Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a car finance with ( GM FNANCIAL XXXX, TX ) acct open XX/XX/XXXX closed XX/XX/XXXX PAID OFF, record show I was late making payment 12 time. I was never late making payment, i had auto draft were the payment came out ever month. ( {$390.00} ) These are the month that my credit report show late payments XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX,