23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the ( 5 ) charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Debt collection

On XXXX XXXX, XXXX I received a phone call from XXXX XXXX state filing and legal services. She said she would be issuing a warrant for my rest concerning bank fraud and I debt I owed to a bank. I have only banked with XXXX bank in 20 years so I found this odd. She gave me an out of state number to call to get this clarified ; I called Alternative Dispute resolution and spoke with a XXXX XXXX legal representative ( found out later he was only the receptionist. He then began to threaten me that I did n't pay this payday loan off there would be a warrant for an arrest on the grounds of bank fraud. I would be arrested and I would not be able to post bail, so I better find a good criminal lawyer. In a panic and without thinking I sent the money in a money gram, and called the police and this agency later. He originally said I owed XXXX but if I settled that day I could pay a XXXX and it would be satisfied. I called the next day to verify the amount was paid and the person that answered to phone said I should n't have paid it was n't mine and should have taken the warrant and hung up the phone. I called later for more answers on who the original creditor was. I spoke with XXXX XXXX and he stated he would help me find out the information and to called him on Monday XXXX XXXX and he gave me incorrect information stating I did bank fraud on my bank in XXXX yet my paperwork says XXXX, he gave me the lenders phone number which was incorrect and I checked with my credit union to see if anyone received a payday loan. They informed me no and they had nothing to do with it. So back to square XXXX. Please help me investigate this problem.
Product: Credit reporting or other personal consumer reports

XXXX and Trans Union is reporting a collection account as open. Per the FCRA this is a violation, and such account should be deleted. Validation of the collection account has not been provided by the debt collector, XXXX, or Trans Union. In addition, removal of inaccurate/invalidated credit information is a violation of U.S. Code 168i ( 5 ). I did dispute this violation XXXX  times in XXXX. Recently summited another dispute to XXXX on XXXX  and XXXX lowered my credit score by XXXX points after submitting the dispute. No other factors could have contributed to a XXXX point decrease.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made 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 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Mortgage

As discussed with CFPB officer over call, this is not a duplicate complaint and asked me to raise a new complaint. 

As XXXX from Rocket Mortgage said during the loan estimate process, the XXXX dollars will be used to cover my loan origination fees, which was not levied during the loan procedure. Why customer need to pay if XXXX has not communicated to other loan office XXXX? 

Q1. Please explain why the XXXX dollars listed under adjustment and credits in the loan estimate document were not applied at closing. If customer notify you for missing credits to you, why are you not reimbursing? 

I simply want an answer to the above question, and I'm also submitting a complaint under the Texas Deceptive Trade Practices Act which need minimum 60 days. I have loan estimates from more than four lenders, but no one has shown me adjustments or credits, which is violation of deceptive trade practice. I have already provided all those details in XXXX. Also, I have raised complaint with Attorney general of Texas as well. 

If you don't want to reimburse me that amount, please let me know reason for the same.
Product: Credit card

See complaint XXXX. 

Since that time I have been continuously trying to negotiate a settlement payment with the lender. I have also paid most minimum interest bills on time. 

The lender refuses to offer me an affordable settlement option for this account. I have repeatedly asked for a 48-60 month repayment term to no avail. I continue to be in financial hardship, and am willing to make a deal with this lender to get this account repaid. However, the settlement offer this lender has offered to me requires three significantly high payments, which I simply can not afford.
Product: Consumer Loan

XXXX XXXX I purchased my XXXX Phantom XXXX XXXX XXXX from XXXX XXXX located at in XXXX NY. It was brought to my attention that Fifth Third Bank was the only bank willing to provide me with an auto loan at the time of purchase. I was concerned with the high 14.25 % interest rate. 
XXXX XXXX I was informed that the CFPB and DOJ are both bringing forward a class action Auto Lending discrimination suit against Fifth Third Bank. I followed protocal provided to me by the CFPB staff and made several attempts ( XXXX XXXX, XXXX XXXX & XXXX XXXX ) to resolve this matter with Fifth Third Bank which resulted in several staff members that there in no record of my auto loan in there system. I have provided my social security number, previous address etc ... and have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed the three credit reporting agencies ( XXXX, TRANS UNION, AND XXXX ) of the fact that I am a victim of fraud and/ or identity theft. I have sent the three credit reporting agencies my FTC identity theft report along with the appropriate proof of identity, the identification of the information on my consumer credit file resulting from identity theft, and a statement that the information is not information relating to any transaction by me. I have also demanded that they block the information on my consumer credit file no later than four business days, pursuant to 15 USC 1681c-2. Its Been 11 business days since their receipt of my documents listed above and the information still remains on my consumer credit file. 

I am aware of the credit reporting agencies right to decline a request a block, and or rescind any blocked information relating to the consumer if the consumer reporting agency reasonably determines that 1. the information was blocked an error or a block was requested by the consumer in error, 2. the information was blocked or a block was requested by the consumer on the basis of a material misrepresentation of the facts by the consumer relevant to the request to block or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

i have affirmed via an affidavit that there is no material misrepresentation of the facts being made by me, the consumer. if the three credit reporting agencies believe I obtained possession of goods and or services I need a senior executive member of the company to respond with proof via an affidavit signed under the penalty of perjury.
Product: Debt collection

I am not liable for this debt with MIKE CARLSON MOTOR COMPANY and do not have a contract with XXXX  I dont owe anything to this company yet its it still listed on my credit report. I spoke with the lender and they advised it would be removed/deleted from my report. However, it still shows under certain accounts. They did not remove this from credit report like they agreed. I demand this account be deleted from my credit report immediately.
Product: Credit card

Care Credit under Symphony Bank Each time you your card they allow you to choose a pay back time frame. In most cases, 6-12 months. If you do not back in that time frame you are given compounded interest. If you use your card 5 times for example, you will get compounded interested in one lump sum for a year. In my case, I had {$6400.00} in debt and they hit me with {$2500.00} in interest in XXXX of XXXX. 

Overall this interest rate scam they have going is crippling to most loaners. As we use this card to offset XXXX  and XXXX  bills which arent always covered. I used mine to pay XXXX  and XXXX XXXX XXXX. 

I do not think these interest rates are fair or necessary. Another example of abuse and greed. There should be reasonable limits to what these creditors are allowed to charge
Product: Debt collection

I called so manny times and ask which Acoount it is because XXXX appear as a charge off. the amount that Calvary Portafolio Services is first was {$18000.00} after a few months is {$19000.00} why the amount went up? I called again they said the they can not give me the account number call XXXX. The amount that I own XXXX I don't have any amount with the number that Calvary has it. I just need to know from where comes the amount of {$19000.00} they refuse to give me information from where comes that amount. the account that appear on my report says charge off and no one has that amout.You can check with XXXX how manny times I dispute it asking which account it is
Product: Credit reporting

i am a XXXX on pension vet..i had XXXX every week that XXXX out sourced by the va ... my XXXX was sent to a local hospital by the outsourced nurse..the va paid the nurse but the nurse did not pay the hospital for XXXX done..the hospital billed me as the patient..i was told by the va to have all bills resubmitted for payment..the hospital said the va paid the bill already so instead of billing the people that submitted the XXXX they put it on my credit as a collection..i had the billed paid in full but its on my credit as if its my fault ... said it would remain on me to let others know ive had problems in hte past..its not my bill..please help..i am almost to the point of filing bankruptcy cause of it.the va paid once and the XXXX XXXX people did not pay the hospital..i hope u can understand my problem ..im not to good at explaining myself being im XXXX years old now..as i said please help
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I am trying to obtain relief due to the pandemic. We are one month behind and my husband is now out of work. I am very concerned as we are nearing the end of the loan term and can not make a payment this month. 

I tried to request an extension but the hold times are unbearable as I am working from home with XXXX small kids. Please help us obtain an extension and the available protections due to COVID. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

We began the process of refinancing our mortgage with an outside company in XXXX, XXXX. We knew there were outstanding late fees from several years back, before SPS became the servicer. Several phone calls were made to SPS to see about a waiver of these fees. SPS said only the owner of the account, XXXX XXXX, could make the decision. We e-mailed a request to XXXX XXXX  on XX/XX/XXXX requesting the waiver. XXXX XXXX sent us a response letter on XX/XX/XXXX indicating this was the responsibility of SPS. SPS sent us a letter on XX/XX/XXXX acknowledging the request. We were in process of refinancing our loan and needed an accurate payoff amount. as the total late fees were included in SPS 's payoff letter making it necessary to borrow enough extra to cover the balance and fees. We ended up paying all the late fees with proceeds of new loan to avoid losing the rate on our new loan. We received a check dated XX/XX/XXXX from a department of SPS in the amount of {$1800.00} as a partial waiver refund. We then received a letter from SPS customer service department indicating the balance of these fees would be waived and they would be sending us a check. ( copy of this letter is attached ). We called about the balance due us and were informed we would only receive the {$1800.00} previously paid. We believe we were force-fed the {$1800.00} and are looking for the remaining {$3000.00} to be sent to us per the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including bankruptcies. These items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX {$1800.00} XXXX  XXXX XXXX {$3800.00} XXXX  XXXX XXXX  XXXX {$16000.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$33000.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX  XXXX {$6800.00} XXXX/XXXX  XXXX {$700.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX continue to report my student loans with XXXX as active a single account listed on my credit report along side the new servicers XXXX XXXX  XXXX XXXX as another open account making my DTI double of what should only be XXXX. I have advised them that XXXX is no longer an active account but yet they continue to disregard my proof and continue reporting XXXX as an open account which should be closed out. They are not looking into this at all just closing out my dispute reporting inaccurately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Violations by A+ LOANS Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint against A+ LOANS for alleged debt purportedly owed to A+ LOANS, with account number XXXX. I believe that this agency has violated several provisions of federal regulations, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide validation information upon request by the consumer. Despite my repeated requests, A+ LOAN has failed to provide any validation information regarding the alleged debt.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This provision ensures that consumers have the opportunity to dispute the accuracy of the debt before it is reported to consumer reporting agencies. However, I have not been given any opportunity to dispute the account with A+ LOANS before it was placed on my consumer report.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : These regulations require debt collectors to accurately report information about consumers ' debts and ensure the maximum possible accuracy of the information reported to consumer reporting agencies. By reporting the alleged debt without providing any validation information and without giving me a chance to dispute the account, A+ LOANS has violated these regulations.

Furthermore, I believe that A+ LOANS has engaged in false, misleading, and deceptive practices by furnishing inaccurate information to consumer reporting agencies without providing the required disclosures.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against A+ LOANS for its violations of federal regulations. Additionally, I request that the collection account associated with account number XXXX be removed from my consumer report immediately, as it is based on inaccurate and unverified information. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. 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
Product: Student loan

XXXX was my private student loan provider. Upon graduating from college, I called because I heard it is good to try to consolidate your loans. XXXX told me that I was no longer able to consolidate because it must be done after my 4 year program. Since I went to school for 5 years, I was past the time limit and could no longer consolidate any of them. I was a full time student. How can this be fair?
Product: Checking or savings account

I realized on XX/XX/XXXX at least a checking account with Chime had been created in my name. I had been receiving emails from Chime about an account earlier but assumed it was spam because I hadn't created an account. Then I received notice that accounts had actually been created using my email account. Although Chime closed the account on XX/XX/XXXX, they have refused to provide me any information about what information they have on me or what information was used to apply or how they verified and associated my email address with a fraudulent account. I provided them with an FTC identity theft report, pictures of my drivers license, and SSN which they claimed they needed to provide me more information. However, they still refused to provide me with additional information. They have an AI email responder that is not helpful and I have been unable to get an actual person to read any of my complaints. I have probably emailed Chime over XXXX times. The latest communication from me was on XX/XX/XXXX. Chime has repeatedly sent me the same checking account statement that does not have the information I am requesting. I have been explicit that I need to see what information they have associated with the account to see what information of mine has been compromised.
Product: Credit card

received offer on XX/XX/XXXX to spend {$500.00} outside of XXXX XXXX XXXX and get a {$50.00} reward Activated offer and spent the {$500.00} by the end of the offer period of XX/XX/XXXX Did not receive reward after XXXX statements, so contracted Capital One. 
They told me it would be issued on the next billing cycle after XXXX after the end of the offer period, which would be XX/XX/XXXX. 
They confirmed I met the criteria for the promotion. 
My next billing cycle ended XX/XX/XXXX, which is when they wold me the reward would be issued. 
It was not. 
I called and spent XXXX minutes on the phone with no resolution. They again confirmed I met the terms of the promotion, but didn't know why the reward had not been issued and created a case with their technical people. I was unable to get any type of case number. To follow up, I have to call back the general customer service number and route through a phone tree.