23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I as a XXXX XXXX have filed multiple complaints with National Credit Systems Inc. and they have failed to properly repair my consumer report. 

Ive done my due diligence and studied my Consumer Laws, UCC & USC codes as well. As attorney general Id like you to reach out to this company on MY behalf and submit a request to delete the XXXX apartments complexes they are charging me for. 

I have not given this company or any other consumer reporting agency written instructions to furnish any data which violates my rights as per 15 USC 1681 sec. 602 ( a ) 15 USC 1681 C ( a ) ( 5 ) sec II - states that no consumer reporting agency may make any consumer report containing any of the following information : any adverse item of information other than records of conviction and crime which up to date the report by up to 7 years 18 USC 894 - Collection of extensions of credit by extort

ionate means ( a ) Whoever knowingly participates in any way or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 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. Privacy and consent.

Please take care of this once and for all. These are the OFFICIAL laws and they trump and corporate agency policies.
Product: Vehicle loan or lease

XXXX was given multiple opportunities to clarify the terms of the agreement. 
All security interest and POA 's have been rescinded, they have failed to provide documentary evidence with in the allotted time frame.

I complied with 12 C.F.R 226.23 ( a ) 2 and provided Notice of rescission on XXXX XXXX. Sent via certified mail # XXXX XXXX XXXX XXXX XXXX. 

XXXX has FAILED to comply with Effects of rescission outlined in 12 CFR 226.23 ( d ) 2, as a result affiant has NO further obligation to MBFS pursuant to 12 CFR 226.23 ( d ) 3. 

XXXX mailed their incomplete response on XX/XX/2022 More than 20 days after the above date of receipt, which directly violates 12 C.F.R 226.23 ( d ) 2.

because of a failure to provide previously requested documentation MBFS is in violation of 15 U.S. Code 1611 ( 1 ) for willful and knowing violation and failing to comply with my request for documentary evidence as defined in 15 U.S. Code 44.

I am hereby requesting that an authorized officer or agent of XXXX answer questions below, sign, notarize and return the attached affidavit within 30 calendar days of delivery of this notice or mail clear title along with the original promissory note to affiant at the address above, thereby resolving this matter. This is my FINAL good faith attempt to settle this matter and clear up any confusion about the terms of the alleged loan agreement prior to an Administrative Hearing on the matter. Failure to respond will be deemed a dishonor of this Notice and regarded as tacit admission. The affidavits included are evidence that may be used according to the Federal Rules of Evidence to prosecute or enforce any default by you in this matter. My CPA is prepared to offer expert witness testimony should court proceedings be necessary. if XXXX or its representing agents refuse to answer these questions with detailed specific answers, affiant will presume that there is a concealment of material facts and that the promissory note has been altered and stolen and that the alleged borrower provided the money that the alleged lender claims was lent to the alleged borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been reaching out ALL YEAR to have this information corrected. I had my identity stolen back in XX/XX/XXXX and over the years several things have popped up on my credit report that do not belong to me or inaccurate information about me. 

I have never lived at XXXX XXXX XXXX XXXX MO nor XXXX XXXX XXXX XXXX MO My date of birth is XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed have called XXXX, Transunion, and XXXX numerous times about incorrect information on my report and they continue to blow me off! They are reporting false and inaccurate information and they've failed to fix the situation or hold an investigation. It is now XXXX and they have yet to respond my letter from XXXX! This is completely unfair to me as a consumer that they continue to take advantage of me and stop me from obtaining credit which is my right. Please help because they will not listen to me.
Product: Credit card or prepaid card

On XX/XX/2021, a purchase was made in the amount of {$51.00} on Macys credit card ( Citi Bank ). On XX/XX/2021, a tracking # was created ( XXXX ) ( USPS ) stating expected delivery date XX/XX/2021. This item shows not movement from XX/XX/2021. Notified Macys of this problem, I was told to wait 2 days, 5 days, 10 days for movement of this package ( still waiting ). I am now being told by Macys my order # cant be found in their system. A payment was made for this item on XX/XX/2021, in the amount of {$52.00}. I wound like to be reimburse for this item and to close this account. A feel they are just giving me the round around. Can you help me?
Product: Checking or savings account

Received a ppp loan to my chase account, shortly after receiving the loan chase froze my account thinking it was fraudulent. They have never contacted me about the issue nor have they been answering the phone or trying to see my paperwork. I received the loan XX/XX/XXXX account has been frozen since the XXXX and now theres a dda debt charge to both account for all the money in both account and they still have yet to contact me personally
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 


Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington bank and XXXX XXXX  are reporting remarks that state " reaffirmation of debt '' this is in accurate information it was just reported by carrington bank XX/XX/XXXX to all the credit bureaus i have disputed with XXXX  and XXXX  this remark should not be on there in addition, XXXX  is showing the same remark from XXXX  XXXX   which that account was sold to carrington in XXXX of XXXX. I filed bankruptcy in XXXX and it was discharged in  XXXX but this remark appeared when I tried to dispute some late payments through chase in XXXX of XXXX and now chase sends a " file '' to carrington which when i called they couldn't tell me what was in it and marked all of my credit reports with the remark " reaffirmation of debt '' under remarks with carrington and they refuse to take it off. This has dropped my credit score 63 points on the XXXX of XXXX and in XXXX of XXXX when XXXX did it my score dropped 79 points with transunion My mortgage now with carrington is NOT late nor has it ever been late ... I have never signed a reaffirmation of debt with carrington and I am NOT going through a bankruptcy I am trying to fix my credit and it was on a good track and this destroyed it I have no idea why this was added and I want it removed carrington is refusing and this is inaccurate information. 

I have submitted a copy of my discharge paper from XXXX and I must have done some kind of reaffirmation with chase at that time I kept my home but this is well past the statue of  limitations and XXXX should not have added that comment in XXXX of XXXX ... and we did not do this with carrington they just bought our loan in XXXX and I am not currently going through a bankruptcy so why did carrington add this? 

I have also included the original letter i sent to chase in XXXX of XXXX to ask for late payments to be removed and this is when the reaffirmation of debt appeared on my chase remarks this letter has nothing to do with reaffirmation of debt i was asking for late payments to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Equifax and XXXX Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

XXXX XXXX  XXXX XXXX XXXX : {$15000.00}.
Product: Credit reporting or other personal consumer reports

I tried multiple times In XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, The amounts consit of Department of Education this amount is paid off {$5500.00} XXXX XXXX XXXX paid off also inquires to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to ask them why I got numerous denials from loan companies I did not even fill out any forms with this company at all. The lady on line said she would have to check into it she put me on hold and after about 10 minutes hung up on me. Also I got a denial from a car dealership in Utah. I live in Texas. they said they would check into it and get back to me ... .never have heard back from them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Trans Union are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXXXXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be corrected and deleted : 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 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 XXXXXX/XX/XXXX
Product: Mortgage

I have escrow account with Flagstar mortgage and they are responsible for my home insurance and property tax, at least that is what they have been doing since i purchased this home in XXXX. Yesterday XX/XX/XXXX, i received a property tax bill that my first installment was overdue, so I called flagstar the following day. They said they have made a payment of {$4300.00} on XX/XX/XXXX which was late and i was assessed penalty of {$390.00}. I asked flagstar to be responsible for this late fee but they refused, stating that " someone '' requested a pay-off on my loan, hence they put a hold on my account. This is very ridiculous since anyone can request for pay-off amount, at anytime, as many times as they want. Im in a process of shopping around for my refinance. I have never once been late on my mortgage, never requested any forbearance even in this difficult time. Both my husband and I are XXXX  and we do not have time to play game with them. I am a XXXX, working long hours dealing with rising number of covid patients day in and out and im beyonf exhausted. Seeing this bill was my last straw. When I was on the phone with the representative of flagstar, case id # XXXX, I asked to be transferred to whomever that can resolve this issue but was told that the department do not take calls or make a phone call. I have a feeling this company and their way of doing business is not transparency. Of note, flagstar was also late on making payment on my home insurance, in which i was notified by my insurance broker and have covered the payment. Flagstar never once notified my by letter or email that they put my account on hold? I mean if that was the case my monthly mortgage should be on hold too then? I am fortunate that i can afford my mortgage but I do feel the need to let the authority know about this matter because many Americans are facing financial hardship and this could be the unnecessary stress on them.
Product: Mortgage

Went online to look for best rate available they advertised a 30 year fixed rate on lending tree at 1.99 % APR. XXXX XXXX app took me over to LOANSNAP to apply for the loan. I wanted a lower rate and I wanted to remove my PMI form my loan. I have excellent credit and I have very good income. I am in the mortgage business. 

What they are doing is a classic bait and switch. 

I spoke with XXXX at LOAN snap by TXT  and he went on to advise me that they do not update their rates at Loan snap on the l XXXX XXXX  porthole for months and that that rate is not available to anyone. To be able to speak with a loan officer h you have to upload your w2 's paystubs, mortgage statements, and insurance information. Last txt I received was that they didn't have any programs that would provide a tangible benefit for me. 

Twice in the txt I had with them they say their rates they advertise are not current and not currently available. 

They completely wasted my time and they do not have the products they are advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2020, XXXX XXXX started reporting to credit bureaus that I was late. I actually spoke with them doing this time, which they took my monthly credit card bill down for few months but I had let come directly out of account for program people with hardship. I agreed and put my monthly reduce payments on auto pay. In real life I was never late, I tried many times to resolve this issue with them even 2 years ago disputed it with bank statement at that time no resolve to this matter. I would like for incorrect information correct with late payment removed. 


XXXX XXXX XXXX XX/XX/2020 they are reporting that XXXX payment was late on XXXX different student loans I have with them, the loans was in forbearance during that time. I have reach out to XXXX  on different occasion but same result incorrect information. I would like for incorrect lates to be removed from my credit reports, which is very damaging to all 3 of my credit reports trying buy house but incorrect information in my credit report is keeping me from doing so. Please Correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company CAVALRY PORT ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$540.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 those account 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.

( CREDITOR NAME ) 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: Mortgage

Great day In continuation towards XX/XX/ notification from Penny Mac Financial, I have attached RESPA/TILA letters of requests. Please see attachments.
Product: Credit reporting, credit repair services, 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, 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. 


XXXX  XXXX XXXX XXXX Last reported XXXX XXXX, XXXX  {$310.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XXXX XXXX, XXXX  {$250.00} Open balance XXXX XXXX XXXX Original creditor
Product: Vehicle loan or lease

On XXXX/XXXX/XXXX, I terminated the lease on my XXXX XXXX XXXX, and returned the car to the dealer. I was informed that I was still responsible for 2 months lease payments totaling {$810.00}. I agreed to pay that amount to XXXX XXXX XXXX XXXX. 

Before I turned the car in to the dealer, XXXX XXXX XXXX XXXX XXXXn XXXX XXXX XXXX, Fl., I had it detailed. I made sure that there was not 1 scratch, mar, ding, dent or stain on the car. The car had XXXX miles on it, and the lease was for 30,000 miles. The tires had enough tread on them for an additional 25,000 miles. Two of the tires had actually been replace with new tires. Since I have seen the scam of " excessive wear fees '' before, I took over 30 pictures to be able to prove that this car, when returned to the dealer was in absolutely pristine condition and had no excess wear. 
The salesman that I bought the car and the dealers Lease Return Officer both inspected the car, and told me and my wife, that this car " looks like it just came out of our showroom, it is that good. ".
When I receive the bill for the 2 payments I owe, they also hit me for an additional {$1000.00} for " Excessive wear and tax ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX XXXX XXXX account has been reporting under my name, this account is not mine, does not belong to me, i have tried to dispute this with all three major credit bureaus, XXXX and XXXX have removed this inaccuracy except equifax, they are giving me a very hard time, please have this inaccuracy removed from equifax, you are my last hope appreciate
Product: Debt collection

Allied Account Services placed a collection on behalf on XXXX XXXX? We were never notified of any outstanding balance by XXXX XXXX or Allied Account Services. I am unsure what the bill could be for, however we owned a home in Rhode Island and have sold and closed the sale on home in XXXX. At closing any bills owed would of been paid. Electric and Gas were transferred to new home owner at that time. I find this to be harmful and possibly illegal by both XXXX XXXX and Allied Account Services. We have had no communication with either company.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX  with an account number of XXXX. This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I paid this account as apart of a settlement with my other student loans and they are still reporting a balance of {$1000.00} on my credit report. This is killing my credit and I ca n't seem to get them to resolve it.