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

This complaint is regarding XXXX, XXXX, AND XXXX 'S COLLECTION ACCOUNT NO. XXXX, wrongfully appearing on my Equifax credit report.The date of first delinquency is in error and fraudulent and RE-AGED and as such, this account is and has been published wrongfully, and should be deleted from the EQUIFAX BUREAU REPORT. 
IN XXXX, THE CREDITOR RESPONDED TO THE CFPB TWICE, ASSERTING THE FAIR CREDIT REPORTING ACT that JUDGEMENTS can post for 7 years from entry.This is true, however this account has been a COLLECTION ACCOUNT from its first publishing and as such the DATE OF FIRST DELINQUENCY is significant.If the creditor 's JUDGMENT had been reported as a judgement to Equifax, it would be placed in the PUBLIC RECORDS portion of the report not THE COLLECTION ACCOUNT section of the report, AS IT IS TODAY.The account is about unpaid rent per rental contract.The rent was late or delinquent in XX/XX/XXXX and no money has been paid since, regardless of unlawful detainer action filed in XX/XX/XXXX, eviction in XX/XX/XXXX, entry of judgment in XX/XX/XXXX.The debt is DELINQUENT rent plus fees and interest.The judgment is part of the collection process of collecting overdue rent.The rent was first delinquent and continuously delinquent since XX/XX/XXXX with the original creditor XX/XX/XXXX.. 
XXXX XXXX ADMITS TO THE ANSWER OF OVER 50 DISPUTES IN THEIR CFPB DISPUTE RESPONSES. EVERY DISPUTE WAS WRONGFULLY VERIFIED OR CERTIFIED. 
AS SUCH, REGARDING RE-AGING AND WRONGFUL VERIFICATIONS, EACH VERICATION carries statutory damages from $ 100-1000 dollars per incident and if the court deems they can award punitive damages.BOTH THE FURNISHER AND BUREAU ARE BOTH LIABLE FOR OVER 50 FALSE VERIFICATIONS. 
50 X {$100.00} EQUALS {$5000.00} X {$1000.00} EQUALS {$50000.00} PLUS  POSSIBLE PUNITIVE AWARD, should XXXX XXXX and I meet in court. 
Equifax regardless of the position of XXXX XXXX.has the duty to delete this account because the bureau is currently liable for possible {$100000.00} in damage, themselves. 
All evidence attached is a portion of the judicially noticed evidence of a future court action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # XXXX below has violated my rights XXXX5 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Student loan

My loan was rehabilitated with XXXX XXXX of XXXX, Texas. The signed agreement with them was that once I completed rehabilitation ( which I did in XX/XX/XXXX of this year ) I would be able to choose between different lenders, and different repayment options, in particular the income-based option. I never heard from anyone. Then just a couple of weeks ago I heard from Pennsylvania Higher Education Assistance Agency that payments were due. I never received any prior communication from PHEAA. They did not mail, email, or phone call me about the loan, different repayment plans or options ( as agreed when I signed up for rehabilitation ) or anything. They did not send me a contract for the new loan. I never signed a contract because, obviously, it was not sent. This amounts to Unfair Lending Practices, as well as Predetory Lending, as the total amount of the loan has gone from around {$120000.00} to {$160000.00} - PHEAA has added {$35000.00} to the loan, which amounts to Inflated Fees and Charges. By not informing me, not sending a contract, not giving me the original agreed upon option, PHEAA has committed Inadequate and False Disclosure. And in taking the loan from XXXX, and adding usurious fees, PHEAA has committed Loan Flipping. The XXXX XXXX XXXX XXXX is also liable. They sold part of my loan to XXXX. They never informed me, XXXX also failed to inform me. I was paying the loan off at the time through the XXXX XXXX XXXX XXXX, but neither informed me that part of it had been sol, and then it went into default. This was a Predatory Loan as well, as it was designed to fail. When I tried to rehabilitate the loan with XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX, twice my papers for rehabilitation and reconsolidation were never completed by them. In roughly four years, my student loan debt has gone from around {$57000.00} to {$160000.00}, due to the above detailed circumstances, and the new policies of the XXXX XXXX XXXX XXXX which favor Predatory Lending and Unfair Lending Practices. I will be seeking others in my situation in the interest of potentially pursuing a Class Action Lawsuit, a process that the PHEAA is more than familiar with, as is the XXXX XXXX XXXX XXXX. I have attempted to the best of my ability for the past four years to keep in touch with the XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and now PHEAA, all four of which have engaged in sloppy mismanagment of my account, which has allowed the debt to almost triple in size. Note in the attached documents that there is no contract or papers from PHEAA, as I never received any, nor signed any. Their loan, and attempts to collect it, are illegal, for the reasons cited above. However I will repay the loan as I do not want it to go into default. The fact that I am repaying the loan should not be taken as an indication that I agree to the terms : I simply have no other option at the moment, other than letting it go back into default.
Product: Debt collection

On XXXX I received a letter dated XXXX from XXXX XXXX XXXX XXXX, XXXX Sweet XXXX XXXX XXXX XXXX, XXXX, NY XXXX, stating I owed Synchrony Bank/Paypal Credit {$110.00}. The letter also stated I must respond within 30 days to dispute the validity of this debt. Also, XXXX XXXX XXXX XXXX is willing to accept {$52.00} to resolve the account. 

The wording sounded suspicious. Their willingness to take a reduced amount on the first contact from this company sounded suspicious. The fact that I do not recall having a balance with Synchrony Bank/Paypal Credit made me suspicious. I checked my account with Paypal credit online and it shows a balance of {$0.00}. I called Paypal Credit, and they were unable to find an account with my name or SSN on it, or even find an account with the number that was provided by the letter from XXXX XXXX XXXX XXXX. 

I believe this is an attempt to swindle me. 

I do not want to contact this company because I believe they will not answer any questions unless I provide them with personal information that can be used illegally. 

contact information provided in the letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX reference numberXXXX Amount owed : {$110.00} Resolution amount {$52.00}
Product: Credit card

I set up a payment plan then chase closed the account and they are charging more then the original debt.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Bank account or service

Bank Of America is holding up smaller bank card transactions longer until there is a bigger transaction that would cause the account to be overdrawn. Then, it applies the smaller transactions and charging the consumer multiple overdraft fees. It happened to me multiple times including yesterday.
Product: Mortgage

I am trying to refinance my rental property. I had a Chap XXXX Bankruptcy XXXX in XX/XX/XXXX. This year in XXXX will be 7 years. I had to shortsell my primary residence in XX/XX/XXXX after years of trying to save it. While it was included in the bankruptcy, I was trying to get a loan modification. In the end the payments were too high and I had to short sell. XXXX has rules in place that state you must wait 4 years after the XXXX to be approved for a refi. The mortgage debt was included in the Bankruptcy and yet I'm being held to the shortsell dates in addition to the Bankruptcy years for a total of 11 years before I can qualify for a home loan refinance. This is not fair, the debt was XXXX and I've waited my XXXX years. Someone needs to review these scenarios as this is not unusual.
Product: Credit card or prepaid card

For two weeks I tried to get in contact with a physical person about a Reimbursement of payments made to a program i was enrolled in XXXX. A program i never signed up for to my knowledge, and a program that was deemed to use predatory practices for the " Card Security '' program. They did in fact refund one year of the service for a total of {$1300.00}. But after i made numerous complaints to speak with a manager about a full reimbursement, no one ever contacted me back. Which is very unprofessional. 
On the Date, XX/XX/XXXX I made a complaint On CFPB To get in contact with someone regarding my issue. After weeks i finally got a response from a dead end number where the person never answers the phone and has a full voicemail. I have called the contact number of XXXX XXXX a minimum of 15 times over the course of two weeks. Never answers the phone never has a cleared voicemail. This is completely unacceptable i have to go through this amount of work to get someone from your company to do anything. Ive seen countless people receive full reimbursements for this same issue. 

Synchrony already got in trouble from the CFPB for this very same issue. 

( 1 ) deceptive practices relating to the marketing and sale of certain of the Bank 's credit card add-on products ( the Add-On Matter ), in violation of Sections 103l ( a ) and 1036 ( a ) ( l ) ( B ) of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ) ;
Product: Vehicle loan or lease

I purchased my vehicle on XX/XX/23. It was financed through Global Lending Services. My payments were due on the XXXX of every month starting on XX/XX/23. I made all of my payments early on XX/XX/23, XX/XX/23 and XX/XX/23. My vehicle was hit by another driver on XX/XX/23. The other drivers insurance company informed me on XX/XX/23 that they were totaling the vehicle. They told me they requested a 10-day payoff amount from Global Lending that same day. My next payment was due on XX/XX/23. Per Global Lendings website, You are allowed one due date change during the life of the contract. The account must be current with a minimum of one full payment posted and the new due date can not exceed 14 days from the original due date. I called Global Lending on XX/XX/23 and asked to change my due date to XX/XX/23 as I had met the qualifications of my account being current and had 3 full payments posted. This would allow time for them to receive the payoff from the insurance company. They refused to change the due date. I explained the situation. I was informed that I would have to continue making payments for up to 60 days while they dealt with Gap insurance. I informed them that there was no Gap insurance involvement as the insurance company was paying off the loan in full. I did not pay the payment that was due on XX/XX/23 because I knew the insurance company was sending payment in full. The insurance company sent payment on XX/XX/23. I have the tracking information from XXXX  that shows that payment was received inside their office on XX/XX/23. Global Lending has not yet applied this payment to my account. They keep harassing me via phone, email and text message demanding payment. They continue to add late fees to my account. I believe this violates the Fair Debt Collection Practices Act. Every time Global Lending contacts me, I have told them that the insurance company sent payment in full on XX/XX/23 and there is no Gap insurance involvement. They continue to tell me that I need to keep making my monthly payments for up to 60 days.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Reporting Under FCRA 15 USC 1681e ( b ) To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit report, as it is inaccurate and unsupported. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of information included in consumer credit reports.

The late payment in question is as follows : 1. Account Name XXXX XXXX OF XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX, XXXX  XXXX. Account Name : XXXX Account Number : XXXX Date of Late Payment : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX  I have attached supporting documentation proving that this payment was made in a timely manner. Despite my diligence, XXXX limited payment options create undue challenges for customers like me. Their system does not allow for online payments, requiring me to take extra steps to pay my credit card and car loan, such as visiting in person or relying on outdated methods. 

Additionally, my work requires me to travel out of state frequently, and I am only home two days a weekdays when XXXX is closed. These barriers significantly hinder my ability to make payments conveniently and efficiently. Under the XXXXonsumer Financial Protection Bureaus guidelines for fair servicing practices, financial institutions are expected to provide reasonable and accessible payment options for consumers. Requiring in-person payments, without accommodating online or automated options, disproportionately burdens customers and contributes to avoidable inaccuracies like the one on my credit report. 

I formally request that Exeperian : Conduct a Thorough Investigation : Review the inaccurate late payment reporting, taking into account the supporting documentation and circumstances described.

Remove the Late Payment : Correct my credit report by removing the erroneous late payment entry.

Provide Written Confirmation : Send me a letter confirming the correction and include an updated copy of my credit report.

Please resolve this matter within the 30 days mandated by the FCRA. Failure to address this inaccuracy may result in further action to protect my rights under federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

They wouldnt take the money out right away and it would go into overdraft a lot of times and they never resolved the issue
Product: Credit reporting or other personal consumer reports

I have filed sever disputes with XXXX and Equifax who keep verifying the account under false pretense and information. The company XXXX XXXX does not have my address and they are unable to verify my address or information but the credit agency been doing computer generated not using a live person to verify my info. These 2 agencies need to clear this off my report before I file a lawsuit.
Product: Credit card

I have submitted FTC report as well as a dispute letters to all three credit bureaus documents verifying my identity. The account was removed in the past as well as the inquiry, however the account was reinstated back to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite previous written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX 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 15 U.S. C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Checking or savings account

Was charged for overdraft fees and other unnecessary fees. Unfortunately I am unable to provide the dates since it was almost XXXX years ago. Wells Fargo never refunded the money so I closed my account after being a loyal customer for XXXX  years or so.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' XXXX - XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX  XXXX XXXX XXXX XXXXXXXX {$230.00} XXXX  XXXX - XXXX {$550.00} XXXX - XXXX {$2900.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX - XXXX {$10000.00} XXXX XXXX  XXXX - XXXX {$990.00} XXXX  XXXX - XXXX {$510.00} XXXX  - XXXX {$330.00} XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX {$1500.00} XXXX   - XXXX XXXX  XXXX - XXXX {$350.00}
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I was facing eviction and a cut-off of my utilities. I tried numerous ways to secure money to help avoid this problem. Unfortunately, I couldn't get any help. For that reason, I felt I had no choice, so I reached out to a payday loan company by the name of XXXX. I secured this loan in good faith and now I believe the company is holding me XXXX with unreasonable requests. The loan was for {$600.00} dollars and it was deposited into my account on XX/XX/XXXX. Every month beginning XX/XX/XXXX to this day, XXXX  has taken out of my account {$210.00} each month, for a total of {$1400.00}. I tried to close the account out on XX/XX/XXXX, but I was told that I would need {$530.00} to pay it off. I asked them how many more months would it take to pay off the loan, entirely, at the current monthly rate? The representatives at XXXX  told me, 3 more months, to XX/XX/XXXX. I can't afford this. I don't disagree that I borrowed the money in good faith but I believe XXXX is taking advantage of me. This is outrageous! I think I've more than satisfied this loan. I am a recently retired federal government employee and I live on a fixed income. In order to resolve this matter, I am hoping, CFPB sends a Cease-and-Desist letter to XXXX, demanding they stop all future debits from my banking account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$40.00} US DEPT ED XXXX XXXX : {$1500.00} US DEPT ED XXXX XXXX : {$4800.00} US DEPT ED XXXX XXXX : {$580.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX our checking account was fraud, the amt of {$2800.00} was withdrawn by XXXX XXXX. This was not authorized by us. I called US Bank, was transferred to the fraud unit. Checking acct was closed along with our credit cards. New checking acct opened along with new credit cards issued. On XX/XX/XXXX XXXX of the new cards was frozen due to someone calling & trying to get a new card. This was denied. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XXXX changes were made on our online banking accts, we didnt make any of these changes. Finally on XXXX we were cleared to set up online banking again. Forward to XXXX while checking our accts there was a withdrawal for {$930.00} to XXXX. I notified our branch bank to investigate. On XX/XX/XXXX our checking acct was completely emptied of {$19000.00} to XXXX Us we did not authorize either of these! Contacted the fraud unit on XX/XX/XXXX. Information was given, many questions asked which I answered, our checking acct was frozen! We were told to go to the branch office to set up a new checking acct. which we did! Weve done everything asked of us during this entire ordeal to protect our account and shocked when opening the account on XX/XX/XXXX and horrified on XX/XX/XXXX to find the acct empty!
Product: Credit reporting or other personal consumer reports

I am writing to complaint to XXXXXXXX XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.