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

Response to an insufficient validation you sent to me.This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I already asked that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.6. ( Thepurchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) 7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because we wasnt present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA.Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumer that a person other than the creditor of suchconsumeris participating in the collection of or in an attempt to collect a debt suchconsumer allegedly owes such creditor when in fact such person is not so participating. I am not participating in the collection of this alleged debt.

Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only not the same insufficient docs you already sent.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX  to have confirmation of proof. 

You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek XXXX compensation damages for the violations you already committed.
Product: Payday loan, title loan, personal loan, or advance loan

Albert app overall is extremely misleading in terms of what consumers are signing up for, and they are also not allowing me to close my account, even after Ive requested 3 times today in writing via email. Im happy to provide my emails back and forth with them as evidence. They told me I have to pay my {$150.00} salary advance back plus fees, and then said only after that will they assist me in closing my account with them. Based on their Terms and Conditions, it doesnt seem as though Im legally obligated to repay their salary advance, and it also seems that they should not be able to engage in any sort of debt collection practice or outreach to make me repay. I do not trust this company, and want my account and information associated with them deleted immediately. They are also not acknowledging that I sent them a request in writing to revoke authorization for any and all future charges from my checking account or debit card. I sent them 3 emails today ( which is more than 3 business days prior to the next scheduled debit, which was for XX/XX/15 ), asking them to acknowledge that Ive revoked authorization and that they wont be attempting any future debits out of my account for repayments, subscription charges, or anything whatsoever. They keep replying back and not directly acknowledging my request. They change the subject and say they can turn off my XXXX XXXX transfers if Id like, or that they will cancel my XXXX XXXX but they havent directly acknowledged my revoke authorization request, even after Ive emailed them 3 times about it today, Albert advertises up to {$250.00} salary advance, but that is not actually available. They also make it very unclear that you have to sign up for a XXXX XXXX, which is {$14.00} per month, and also have to participate in a service called XXXX XXXX, where they automatically debit random amounts from your linked checking account, at their discretion. They make it extremely difficult and confusing to cancel these services, and I believe they are operating in a predatory manner and using dark tactics to prevent users from cancelling ongoing charges and services on their app. Can you please assist me in closing my account fully with the Albert app and also get them to acknowledge my revoke authorization request. I do not want Albert Corporation to harm me or any other consumers any further.
Product: Consumer Loan

I purchased a car in 2005 value {$18000.00} Honda Civic. I paid the car note for 4 years at the end of the 4 years I was told that there was a balloon payment of {$8000.00} on the car. I had no idea I had a balloon payment. I told Honda finance that I did not have the {$8000.00} to make a XXXX time payment and they told me I had to return the car after paying for it for 4 years and they will treat it as a lease.I returned the car in great condition with minimal mileage. Now 6 years later Honda reported to credit bureaus that I owe {$380.00}, XXXX for a Civic. I have called several times to Honda Finance to dispute the amount and they said it was corrected .Today it is still on my credit report. This has stopped me from getting other loans or jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned my leased vehicle on time and was present for the inspection. 4 years later I discovered that there was a charge that I never knew about for over {$600.00}. I called Volvo and asked them to clarify the charges. They stated that there was a late charge, but the vehicle was turned in on time and they could not tell me what the other charges are for. I've contacted them 3 times to resolve this dispute and they still have not told me what all of the charges are for. This was reported to the credit agencies as a " charge off '', and is negatively affecting my credit rating.
Product: Debt collection

I have received two calls thus far from Merchants Credit Guide Company our of  XXXX claiming that I owe a debt. However, they will not give me information regarding this debt unless I provide them with my birthdate and other personal information first. I am worried this is a scam and did not give them my information unless they give me their information first. They called from a phone number XXXX XXXX XXXX XXXX. My FICO score is XXXX. So I have no idea what debt I could have?
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax : Unfortunately, my personal information on file with your company is not accurate.
Product: Credit reporting or other personal consumer reports

On the report of my open account with XXXX XXXX XXXX  credit card the balance owed is inaccurate reflecting {$53.00} owed which is amazingly right at the 10 % mark to cause a hefty decrease in my score. I have never owed that particular amount in the entire history of my accounts opening is why I am certain when the company told me they never gave a report to Equifax saying this, they were telling the truth and my monthly statement backs it up. 
On XXXX or XXXX closed XXXX  XXXX accounts Equifax reports that these accounts are Deferred and has added Remark codes to these accounts which are adversaries towards my score. 
Equifax continues to keep inaccuracies on my report to keep me disputing them month after month never allowing a real resolution and hindering my score from being where it should be and any loan or credit I am attempting to establish will never reach it's full potential.
Product: Debt collection

The debt collector Profit Services XXXX calling for XXXX XXXX keeps calling my work number after I have asked on a couple different instances to stop calling me at work. Today they called at XXXX I told him that I asked him not to call this number and his reply to me was " I do n't care ''. I then hung the phone up on him. I can not have these calls at work.
Product: Consumer Loan

I have a vehicle loan with GM Financial for my XXXX KIA Soul. XX/XX/XXXX I had to file a XXXX XXXX bankruptcy in an attempt to save my home from foreclosure. My loan with GM Financial has never been late or was never in default. I had to put the loan in with the XXXX XXXX restructuring plan per the bankruptcy trustee 's orders in spite of it being in good standing. I made every single plan payment in my chapter XXXX case but I had to have my case dismissed in XXXX XXXX and surrender my home due to my mortgage holder constantly contesting my proposed payment plan thus making my home unaffordable. During the time the car loan was under the protection of the bankruptcy trustee GM Financial reported payments as late to the credit bureau which is illegal. The Chapter XXXX case was dismissed without prejudice in XXXX XXXX. Once the case was dismissed I immediately resumed without delay paying my auto loan outside of the bankruptcy plan. I have been out of the Chapter XXXX plan since XX/XX/XXXX and I have made every single car payment on time but GM Financial is not reporting my payments on time to the credit bureau. This is also illegal per a XX/XX/XXXX Bankruptcy ruling out of the Bankruptcy court in Wisconsin. I verified this by pulling my XXXX and XXXX reports. GM Financial has failed to update the credit bureaus to reflect the status that the loan is being paid on time and is no longer part of the chapter XXXX wage earner plan. GM financial is still reporting the loan to the credit bureau as part of the chapter XXXX bankruptcy plan and I am not getting positive marks on my credit bureau reports for making 6 on time payments. During this time period after the bankruptcy case was dismissed GM Financial has continued to collect the interest of 14 % every single month I have sent in my payments but GM Financial has not honored their responsibility as a lender to report my positive payment history to the credit bureaus. Whether or not this was an oversight on the part of GM Financial it is still illegal and has caused damages to me. My financial situation has slowly been improving since receiving a fresh start under the bankruptcy code as well as finding more affordable housing. I would like to refinance out of the high interest rate car loan in order to get my car paid off faster but I am unable to do so because they are not reporting my payment history. I feel they are doing this on purpose to trap me in a high interest rate loan for their own monetary gain and nothing more. I would like my payment history reported to the credit bureau correctly, the interest refunded on my loan from from XX/XX/XXXX until XX/XX/XXXX due to their mistake, or the chance of obtaining a possible loan modification with a reduced interest rate due to outstanding payment history for 20 consecutive months.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alledge collections and charge offs accounts on my credit report for which I do not recognize. Pursuant FCRA 623. I am demanding they are removed. 

XXXX/account number xxxxxxxx XXXX XXXX XXXX account number xxxxxxxxxx
Product: Credit reporting or other personal consumer reports

When I contacted Discover card regarding my balance and if there was anything they could do to help me out, they said they could settle the debt for a percentage of what I owed. When I asked if the balance would be zero, she stated yes. NEVER once did she say there would be an impact on my credit. I paid a very large sum of money and not ONCE did she say that they would discharge this and show it as a negative on my credit report. Had i known that, I would not of settled. When I called in to inquire about the issue, XXXX, the XXXX manager said " We do not give credit advice, that's why we say you should consult your tax advisor ''. My rebuttal to that is, you're not giving tax advice when you state the facts. You should state the fact that you WILL report this to the credit agency and that you WILL discharge the debt. This is a deceptive business practice and the company should be held accountable for their actions. I requested the audio recording for the phone call because I'm pretty sure i asked about credit implications, but I can't 100 % remember, but in NO WAY was I led to believe this impact my credit so DRASTICALLY! If there are any attorney reading this please get in touch with me. This is not right, it's misleading and no one should be mislead the way that Discover Card mislead me!
Product: Mortgage

Hello. I need some help with Well Fargo.I have struggled for several yrs Ask Well Fargo for help and sure helped me throwing more on my back.They went up 10 yrs on my mortgage up on my interest rate. I begged for a lower rate and that lower rate would have keep my yrs down .they went up 10 yrs and payment dropped XXXX .what a great american co ..to do us citizen like that.i have never had trouble for 48 yrs and had great credit and then bottom fell out in XX/XX/XXXX - XX/XX/XXXX. I ask if i give up my home you would lose XXXX dollars because of falling value home.I think the way they acted that losing money was ok instead of helping me.Why they can say they are trying to help people. Thats not so true they said all they could do is go up on yrs and interest.They said that if you fail XXXX you can not qaulify for a good rate THAT IS NOT AMERICAN IT IS GREED! HELP ME PLEASE!
Product: Credit card or prepaid card

I dispute this balance due as I submitted my letter of fraudulent charges to the Executive Response Unit dated XX/XX/XXXX. I received a letter from Home Depot Credit Services dated XX/XX/XXXX stating We are writing to inform you that we completed the investigation on your The Home Depot Commercial Revolving Charge Card account. As a result, we removed the disputed charges and any related fees and finance charges from your account. I also received a check for prior payments made in the amount of {$13000.00}. 

I received a letter dated XX/XX/XXXX from Home Depot Credit Services stating We have completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question. ( see attached ) I have attached the following evidence in support of my dispute : Fair Credit Billing Act Public Law 93-495 October 28, 1974 Chapter 4 Credit Section 161 Correction of billing errors states the creditor must acknowledge the complaint letter within 30 days after receiving it ( I did not receive an acknowledgement letter from Home Depot or Citi ).

Section 161. Correction of billing errors states - If the creditor fails to follow the settlement procedures stated in the Fair Credit Billing Act, they are legally not permitted to collect the amount in dispute, or any charges attached. For example, if a creditor acknowledges a complaint in 50 days20 days too late. I have not received any correspondence from Home Depot that a second investigation was initiated.

Per Section 161 you are penalized by not conforming to the Fair Credit Billing Act Section 161 and can not reverse the original credit Home Depot applied to my account.

Please provide me with a written statement reversing the debits along with an updated statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX
Product: Mortgage

Bayview Loan Servicing co ntinuously ignores my requests to resolve modification that should have been accepted from the prior servicer, and credit reporting that should have been corrected.     Attached are the documents.      1.  My Daughter was removed from the loan by  XXXX .    2.   XXXX  modified this loan, but Bayview is refusing to accept this modification,.
Product: Debt collection

I was 7 days past due on a loan payment with XXXX. I had already informed them it would be late due to unforeseen health problems and lost pay from missing work due to my health and my family 's health. They were calling me excessively at work and on my cell phone number from numerous area codes and left a huge amount of voicemails all week. Then on XXXX/XXXX/XXXX, I received an email from my company email from another employee of the company I work for, whom I do not know, do not work in the same office with or have ever even met saying that " XXXX at XXXX XXXX called and she would like for you to give her a call at ( XXXX ) XXXX, their open until XXXX. I was completely embarrassed and outraged that they did this, I do not even know her! I faxed them, sent them online letter as well as mailed a cease letter informing them that I am not allowed calls at my place of work and especially they are NOT allowed to contact a third party co-worker with my personal loan information, which saying they 're from XXXX XXXX is pretty obvious I owe a debt!
Product: Credit card or prepaid card

While making a purchase, the sales person asked if I had a loyalty account. I do ( which means I have made purchases prior, not a credit card holder ). After she asked my phone #, she asked my email address, that's all. After my purchase she explained that I get 15 % off. I knew that but I was not aware that she was referring to a credit card. A Loyalty Program is just that ; a frequent buyer. She stapled my receipt to a brochure which explained Loyalty, Premier, and Elite. It seems she opened a credit card for me and I do not want it, nor did I ask for it. How do I get this closed without disrupting my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor 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 XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX, XXXX, XXXX, WELLS FARGO DEALER SVC ******** XXXX Date Opened : XX/XX/16 Balance : XXXX
Product: Mortgage

Fay Servicing, services our mortgage. We previously tried to work out a loan modification but they were impossible to work with, and eventually we were forced to file for XXXX XXXXXXXX bankruptcy to keep our home. During our bankruptcy were able to successfully negotiate with the lender XXXX Bank and structure an agreement to save our home and renegotiate our mortgage. Our bankruptcy was successfully closed on XX/XX/22 and Fay Servicing was informed of the judgement by both the court and our attorney. Not only do Fay 's Statements reflect a different amount owing then what the court decided on, they show us being arrears, and show an unapplied amount due. We have paid every payment based on the inflated amount that is more than the court ordered, but in order to be compliant we felt that we needed to pay. They will not speak to us as they say that we are still in bankruptcy, nor can we access our account to see payment application because they indicate we are in bankruptcy. Our attorney has sent multiple requests subsequent to the notices sent by the court, but Fay Services refuses to follow the courts order. We need to be able to access our account, speak to representatives and figure out why monies are being held in escrow and why our account is showing as passed due when all payments were made per court request.