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

I filed a dispute via XXXX  against Credit Acceptance Corp on XX/XX/20. I explained that I felt my balance was going up although I had made payments over what I was required to pay. Credit Acceptance Corp later responded stating that reported the information has certified to XXXX  that the information is accurate. Roughly two weeks later, they reported that I was 120 days past due. Although, in the months prior all my payments we reported as on time. I contacted customer service and asked why the didnt report it previously, because according to the FDCPA, they were to report accurate information. I also asked why I was past due and they said because I have fees. After closer inspection I realized they have been posting my payments mostly to their fees and not the principal so they can charge me and collect more interest. So, even though they told me to raise the payments to get caught up they confirmed the payments have nothing to due with their reporting standards for credit reporting. This is a very deceitful practice and should is illegal. Please advise.
Product: Credit reporting

I have disputed an incorrect collection that had been submitted against me from XXXX XXXX for 6 months now. I had disputed it as soon as it appeared on my credit report which I was alerted by XXXX. I called XXXX and submitted a dispute against this collection as well as the other XXXX XXXX and Equifax. I had submitted various disputes against that collection with XXXX and Equifax and both came with results that the collection belonged to me. I was not challenging the fact whether or not it belonged to me I was challenging the fact that it was a Medical bill that had gone unpaid by XXXX. I explained to all XXXX bureaus that this bill pertained to a No-Fault accident that I was involved in. I was the passenger of the vehicle that was struck from behind. The vehicle I was in was insured with XXXX and the vehicle that struck us was insured with XXXX. My motor vehicle accident took place on the afternoon of XXXX XXXX, 2014. I had made my attorney aware of the bills and submitted it to them. I also made them aware that XXXX collection was contacting me and threatening that if I didnt pay I would be sent to collection. The Representative XXXX who works with XXXX collection was really rude and when I tried explaining my situation she hung up on me. My credit report shows no late payments, my credit history is mint and everything has always paid on time. This is what I have on my side and I explained to the credit agencies that if I were responsible for this bill I would have paid the {$200.00}. But I am not. This collection has stopped me from purchasing a home and has been damaging to me and my credit history. I have tried many times to contact the credit bureaus and with no resolution. XXXX has been the only one who removed and deleted this collection off my report. My attorney has also submitted a letter notifying the collection company to hold off collection due to the fact the case is still open and pending settlement. And they continue to notify no payment/ or delinquent on my credit report. My case is still in litigation and my attorney who is representing me is seeking to schedule an examination under oath so we can finally close this case.
Product: Debt collection

Convergent sent a letter about a XXXX XXXX account that was paid in full XX/XX/2019 through a collection company called XXXX XXXX XXXX in the amount of {$230.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX Bank XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Federal Credit reporting Act, these Creditors violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code Section 1666b - Timing of payments ( 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.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for the unauthorized and unnotified reinsertion of a previously disputed and deleted bankruptcy record on my credit report. This is clearly a gross violation of the Fair Credit Reporting Act ( FCRA ). This reinsertion of the bankruptcy record on my credit report was unauthorized and unnotified, and the reinsertion of the record by the credit bureau was in violation of the FCRA. After much dispute, the bankruptcy record was cleared and then removed from my file. It has been re-entered without new findings, or for that matter, even a letter or notice to myself once again lowering my score. It is, therefore, an obvious violation of my rights toward fair and transparent credit reporting procedures. I would be thankful if the CFPB would intervene in the case and hold Equifax accountable for the permanent removal of such a record if it can not be proven ; in all other respects, make sure it follows other consumer protection laws.
Product: Debt collection

I am filing this complaint because I have NO SIGNED CONTRACT with this company! This is identity theft! This is a formal cease and desist notice regarding all media activities, as well as future collections attempts. It has come to my attention that your company is engaging in identity theft and is attempting to cause financial and emotional harm to me. Additionally, I believe this company obtained my personal information, including ( my name, address, Social Security number which I dont have as a National ) through unlawful means, as I have never provided them with my information or consented to any interaction or transaction.In addition theyre reporting to my credit but dont name a creditor! And they have never contacted me or informed me of them having my information. I do not have a contract or authorized signature with Credence Resource Management and any further pursuit of this matter will result in a fine of {$10000.00}, in addition to a {$500000.00} fee for the unauthorized use of my intellectual property. Your actions appear to be in violation of public laws and are an attempt to gain through frivolous claims under the color of law. Below are all the laws theyre in violation of : The FCRA ( 15 U.S.C. 1681 et seq. ), U.S.C. 1692 et seq. ), XXXX ( 15 U.S.C. 6801 et seq. ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Please consider this notice as a formal request to cease all related activities immediately. 




**Cease and Desist CREDENCE RESOURCE MANAGEMENT
Product: Debt collection

I am writing to formally dispute an entry on my credit report concerning an alleged debt reported. This dispute is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692c ( c ), which governs the " Ceasing Communication '' directive.
Product: Credit reporting or other personal consumer reports

I applied for several rental properties and was denied because of Transunions Rental Screening report. Transunion was reporting inaccurate information affecting my ability to find a home. I spent months trying to find a home and was constantly denied becasue they said my Transunion Rental Screening Report was reporting an eviction on my consumer report. Ive tried reaching out to Transunion and theyve denied me access to my rental screening report. I have been damaged by this trying to find a home but was constantly denied because of Transunions Rental Screening inaccurate reporting on my consumer file saying ive been evicted when ive never been evicted before.
Product: Credit card

After three different disputes that were unanswered I had to stop my Amazon.com credit card account. Since my complaint was regarding Amazon I can assume after many months of ignoring my disputes Amazon.com was being dismissive. They sent me papers asking for more information over and over again even though I had already sent the information in many times.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized on Experian, XXXX, and XXXX and im a victim of Identiy Theft. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

BROCK & SCOTT , PLLC IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF XXXX. I'VE REACHED OUT ON SEVERAL OCCASIONS ASKING FOR PROOF TO COLLECT AND I HAVE YET TO RECIEVE THAT PROOF. ATTACHED IS PROOF OF NON-LICENSING. 

BROCK & SCOTT , PLLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024 ACCOUNT : XXXXXXXX XXXX XXXXXXXX REFERENCE : XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease any attempts to report on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ). 
In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 

Sincerely, XXXX XXXX
Product: Debt collection

I was stopped in XXXX by a guy promoting XXXX XXXX XXXX  products, I listened and I was interested. I was supposed to switch to their service when I received their new XXXX. I received it a couple of days after but for some reason it wasnt working. I contacted XXXX XXXX XXXX and actually went to their store while simultaneously asking for help from the guy at XXXX who was promoting their services. Eventually the phone couldnt work and I was advised by everyone at XXXX XXXX XXXX to send it back. I sent the phone back and I contacted XXXX XXXX XXXX  plus the guy at XXXX. About a month after, I received a bill and I called them back. Everything was taken care of since I had never used their devices or service. Next thing I know was a debt collector company calling me all the time and sending me letters of debt. About a month ago I saw the debt reflecting on my credit but after reporting this and talking to both XXXX XXXX XXXX and the debt collectors, it disappeared from my credit report but Im still receiving emails about an outstanding debt. Please advise. Thanks
Product: Debt collection

" There is nothing I can do to this, I went to XXXX XXXX five years ago and they over charged me because they said that I have to have master cleaning before they the fix my toothache ( because I had to say yes at that time ) and I paid them the {$470.00} for their service and the remaining is over charge and they are crooks and that is why they are going out of business soon. Three years ago I asked Trans union to add this comments or remove it from the account, but they didn't because I am a consumer not a company!
Product: Debt collection

Letter received dated XX/XX/2020 Collection agency Enhanced Recovery Company LLC, Doing Business As, XXXX XXXX XXXX ERC, XXXX XXXX, XXXX, FL XXXX, or XXXX XXXX XXXX, XXXX, FL. XXXX, demands cash payment or check for {$3400.00}, money not owed. 

I checked with XXXX. No record of acct. 

I checked XXXX Credit Report. 
No amt or activity from XXXX XXXX XXXX XXXX 

Fraud apparent.
Product: Credit card

I applied for the Hilton Honors American Express Card mid XX/XX/XXXX. It is the same card I had previously held for over a year, but cancelled in XX/XX/XXXX. My application was immediately rejected via email, stating that I held the card previously and was not eleigible. This is a no fee card. I reapplied for the reapplied for the Hilton Honors American Express SURPASS Card which was the next level up, and was immediately accepted. The annual fee is {$150.00}. I was supposed to get a XXXX point bonus after spending {$3000.00} over a 6 month period, which I did in a 2 month period. I called to check on the status of the points XX/XX/XXXX and was told I was not eligible, and also that I received an email to that effect, which is NOT TRUE. I opened a case # XXXX to which I followed up on XX/XX/XXXX and was told I was not eligible for the bonus points. I provided additional information and was advised to call back in a few days. I called back XX/XX/XXXX and was told still denied. Please listen to the recorded phone calls on the 2 dates indicated above. I believe if I was NOT eligible as they now claim, they should have immediately declined the card. I believe they are using deceptive advertising/marketing procedures. Please help as I NEVER would have accepted this card had I known the bonus would not be available to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Please start a XXXX and prove that this XXXX  actually belongs to XXXX. 

XXXX XXXX XXXX I was never late on this XXXX- Please check the status on this XXXX XXXX XXXX XXXX XXXX I was never late on this XXXX- Please check the status on this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late on this XXXX- Please check the status on this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 following XXXX  information is incorrect
Product: Credit card

Discover Card applies payments up to the minimum payment amount solely to the lowest APR then applies any remaining funds to the higher APR. This results in the balance on the higher APR increasing at an exponential rate unless payments are made with consideration for the minimum payment + interest expected on the higher APR line.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XX/XX/XXXX l received a package letter from the Bank of America (XXXX) stating the my Loan modification paperwork was not filed correctly and needed to be refiled and upon completion a check in the amount of $XXXX will be given to me after signing their new Loan Modification Agreement is signed. Countrywide Mortgage was my original Bank. XXXXcalls me every other day and this weekend a property appraiser from them dropped off another package of the same documents My addressXXXX FL. XXXX. XXXX. I have an appointment them XX/XX/2015. Should I cancel the appointment until l hear from you?
Product: Credit card

I used my American Express card to rent a home. The home was found to be uninhabitable which was supported by documentation. American Express refused to review my documentation that supported the home was uninhabitable and quickly closed my dispute. Documentation exceeds XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account XXXX 'XXXX XXXX # XXXX. As this is not mine. This account was removed off of XXXX  and XXXX, but Equifax as yet to remove it. Please remove account ASAP.
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 1.XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX  XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account XXXX XXXX, has violated my rights. 
XXXX. XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX L - XXXX XXXX XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX 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 states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( 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 antidotes the Report by more than seven years.

15 U.S.C 1681 s-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 reason to believe that the information is inaccurate.

These accounts also still contain inaccuracies.
Product: Vehicle loan or lease

I recently received a late payment notice from Truist Bank for my car loan. The payments are automatically sent from my online bill pay ( also with Truist ). I keep plenty of money in the account and have the payment sent to arrive by the XXXX of the month. The payments are not due until the XXXX of the month. As such, the payment should not have been late. 

I contacted Truist and explained the situation. They looked into it and advised me to stop payment on the check and pay via direct transfer. I did so. Later, they did try to deposit that check and since it had been stopped, they charged me a check return fee. 

The next month, I visited the branch on the XXXX because I was worried about the situation. They told me that the payment hadnt been receive for that month either. I know it had been sent from my bill pay to arrive by the XXXX. 

I talked with the branch manager, and was told that they are three weeks late posting payments when the check is sent from a Truist checking account to the Truist loan department. I believe this is an unfair banking practice as I am being charged late fees as well as stop payment fees. It is my understanding that financial institutions are required to post any deposits or payments within a reasonable period of time. I dont feel like three weeks is a reasonable period of time. 

Im concerned about the late fees and Im also concerned that this may adversely impact my credit.
Product: Debt collection

XX/XX/2021 XXXX contacted me about an alleged debt XX/XX/2021 I sent XXXX certified mail XX/XX/2021 I said XXXX certified mail XX/XX/2021 I said XXXX certified mail Affidavit notice validation of death notice season desist notice
Product: Student loan

{$20000.00} was sent from my XXXX XXXX XXXX  account to MOHELA XXXX and still has not been applied to my student loan balance. It was successfully paid for the months of XXXX until XXXX with XXXX XXXX automatic bill pay.
Product: Debt collection

I HAVE FILED COMPLAINTS, DISPUTES, SENT LETTERS AND I AM NOW LOOKING INTO LEGAL MATTERS. THE XXXX XXXX ACCOUNTS THAT ARE NOW IN COLLECTIONS ARE CHARGED OFF DO NO BELONG TO ME. I AM AN AUTHORIZED USER ON MY MOMS XXXX XXXX CARD AND HAVE BEEN FOR YEARS. ALL OF A SUDDEN I HAVE TO FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. I AM AWARE OF XXXX XXXX 'S DATA BREACH AND IM SURE I HAVE BEEN AFFECTED. ESPECIALLY SINCE AT ONE POINT A CARD WAS ORDERED AND REQUESTED TO BE SENT TO ARIZONA AT ONE POINT AND I LIVE IN MISSOURI AND HAVE NEVER BEEN TO ARIZONA. I ALSO DISCOVERED THE BANK THAT WAS LINKED TO THE CHECKING ACCOUNT THAT WAS PAYING THE CARD WAS FROM XXXX OR SOMEWHERE LIKE THAT AND AGAIN I LIVE IN MISSOUR AND NEVER HEARD OF THAT BANK