23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Choice Recovery violated Public L aw 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST.  THEY DID NOT CEASE AND DESIST AS THEY DID NOT REMOVE THE DEROGATORY INFORMATION FROM ALL OF THE CREDIT REPORTING BUREAUS FILES.       I was advised by the credit bureaus, th at Choice Recovery placed the account for collections per attachment.      I submitted per attachment under Public L aw 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C.A 1601.1692 et al, and to remove  the derogatory information on my credit bureau files.       CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices  Act. 15 U.S.C.A 1601.1692 et al,  and to remove all derogatory information on my credit bureau files.
Product: Credit reporting

XXXX is showing on my credit reports as 30 days late. I have never been 30 days late. I disputed with them and the credit reporting companies. The response I got back was it was correct we are not going to change it. When I paid my bill for XXXX it was due the XXXX, I paid on the XXXX and asked in the store about why it is reporting 30 days late. Store employee told me that their cycle is XXXX to XXXX, so if you have n't paid by the XXXX it is reported as 30 days late. I attached a copy of the bill and receipt when I paid. XXXX has reported to the credit bureaus at least XXXX times like this.
Product: Debt collection

I ordered somethings from abroad and they were delivered by XXXX. Later they sent a letter saying that i had to pay a duty of {$20.00}. As i was abroad, i returned and sent them a check already on XX/XX/XXXX ( Using first class mail ). Later I saw that, on XX/XX/XXXX, they cashed my check so I was quite.
Last Friday, XX/XX/XXXX, I received a letter from " Transworld Systems Inc '', says My Original Invoice was {$20.00} with a collection fee of {$2.00}, comes to a total of {$23.00} and that they are collecting on behalf of XXXX. As it was the weekend, I could n't call anyone to verify it. So i waited till Monday XX/XX/XXXX. I was about to check their website listed on the letter www.transworldpayments.com and saw that it was a fake website which was down. Later, I called XXXX and someone picked up and asked me for the File number ( XXXX ) and I gave it to her. Later she says I own them {$23.00} on behalf of XXXX and they are trying to collect. Her accent was clear that she was not from US so I asked, where is your office located so that i could XXXX, she is saying, in her exact words " Sorry, You ca n't ask our office address ''. When i asked why, she replied " Because I am a US Legal Citizen. '' Then I said I was asking for the address of her office, she said No she will not disclose it. When I asked to talk to a supervisor, she said, " you are wasting my time and hung up ''. 

Then immediately I called XXXX and asked them about my file ( Invoice No XXXX ) and they said that MY ACCOUNT WAS PAID IN FULL and I do n't owe them anything and they are NOT trying to collect anything. I was to have this on the record before they try to damage my credit.
Product: Mortgage

Bank of America treated an outstanding customer with exceptional credit with horrible service. They took over 1 year to make a decision to deny my loan modification. This resulted in a payment now triple the amount. This delay prevented me from seeking other alternatives. They requested and re-requested information I had already sent for over one year. Further, Bank of America is encouraging me to default on my loan. Bank of America lied about the loan terms stating it was a 30 year loan and did not disclose it would change the terms after 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so on XXXX I sent all 3 bureaus about some of the unknown and inaccurate things on my credit report. I can't even believe it but it's been well over 30 days and honestly about 60 DAYS NOW AND I HAVENT GOTTEN A RESPONSE OF MY DISPUTE AT ALL! I even sent a second dispute letter that is notarized just in case they didn't think it was me! I don't like being taken advantage of but by ignoring my disputes that's exactly what's going on here! I have called and nobody even has a confirmation number for me! Section 611 ( a ) states that a failure to investigate disputed items within 30 days gives a reason to immediately remove those items from my credit report and it has been about 60 days so they should be deleted promptly. I demand that the accounts are deleted expeditiously or I will have to file for litigation due to the stress you have caused me and my family. My info definitely got impacted by the data breach at XXXX! Please note that it may be in other hands!
Product: Vehicle loan or lease

I purchased a 2016 about 2 to 3 years ago and still paying a high monthly payment with a high balance. If I can continue to pay, i would have paid for this used car twice due to high interest rate. This is very unfair and needs to be stopped. When I purchsed the car it had about XXXX  miles and i was in a Chapter XXXX and was not to exceed XXXX dollars. They sold me the car for abouyXXXX and added XXXX in interest. This is so very unfair. I have been struggling to pay XXXX monthly for the last several years and I have fallen behind due to lack of work and a lack of finances.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, whitch violate the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries REMOVED : Made by : XXXX XXXX XXXX XXXX Auto ) Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX XXXX XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX XXXX XXXX XXXX on : XXXX, XXXX XXXX Made with : Equifax
Product: Mortgage

I started a FHA loan thru XXXX in the beginning of XX/XX/XXXX. I was already preapproved they them. But had to change companies because they keep increasing the amount to close with no answers on why. So I took my preappoval to Ohio capital mortgage XX/XX/XXXX with a promise to close XX/XX/XXXX. They have missed that deadline then they promised to close middle of XX/XX/XXXX they missed that closing then they promised a closing first week of XX/XX/XXXX and missed that closing. Then they gave me a new closing date of XX/XX/XXXX and have dragged their feet to make that happen. I am now in jeopardy of losing the house because of all the delays that they and their processors have caused. They lost my tax information and keep delaying closing for no reason. Processor has stated they want to close on Tuesday but yet have not heard about what time or where and when I question my broker at Ohio mortgage he changes his story even after proof of all the emails and promises. No one returns my emails or answers any questions. This has been going on to long and now I am about to lose my dream home and become homeless because I had sold my trailer based on a promise that was made.
Product: Checking or savings account

On XXXX XXXX XXXX  I went to pnc atm and tried to deposit XXXX in cash into my account the atm counted the money and the took the money and didnt return it or credit it into my account. I have been trying since XXXX the XXXX to get my money back. I have been told different things about getting a temporary credit to my account I have called and called about my account and Im still getting the run around. I have bills I am trying to pay and Im putting them on hold about my money I am very frustrated right now because I shouldnt have to wait 10 days for my money.
Product: Mortgage

On XX/XX/XXXX I received a notice from our appraisal district stating that our XXXX Property Taxes were not payed. On this notice it stated that added interest had started accruing in XXXX on top of the original amount that was not payed. This was the first letter I had received from the appraisal district notifying me that the property taxes had not been payed In XXXX of XXXX. This is a new home that we bought in XX/XX/XXXX. In closing we set up an Escrow account with XXXX Mortgage and put down a payment of {$1500.00} towards escrow. When the account was set up we started paying towards the escrow account monthly starting in XXXX when the first payment was due for the house. I have been dealing with XXXX customer service for a month now trying to get this issue resolved. I sent them the notice I received in the mail as well as the XXXX tax statement that we received in the mail stating what our XXXX property taxes amount owed and it states at the bottom of the statement, please do not pay original has been sent to mortgage company and it has the mortgage companys name and mailing address. For 3 weeks now customer service stated that they were at fault and they will be sending a check to the appraisal district with the added fees, and that I am not responsible for the added fees. I called customer service again on Friday XX/XX/XXXX, because I saw that a Tax Penalty was added to my account online for {$730.00} that was taken out of my escrow account. The customer service person stated that she will be putting in a work order to have that removed because they are responsible for the added fees and to call back next week to make sure it was resolved. I called XX/XX/XXXX to check on the status and I was told that now I am responsible for the added fees and I will be receiving a notice in the mail stating the reason why. I was also told that the original payment for the XXXX property tax amount was my responsibility and not theirs and that is why I am at fault. As of my statement on XX/XX/XXXX my escrow account balance is now - {$1800.00}. I also see on my online account that on XX/XX/XXXX a check was sent to me at an address that does not exist for {$3800.00}. I tried resolving this issue as well because now I dont know where that money is and can not get a straight answer. I still do not know if the mortgage company has sent a check to the appraisal district.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this derogatory off my credit for months. I have sent in 4 disputes and nothing has been resolved. I have sent in proof that i myself am the one submitting the request to have the derogatory removed. I have filled for a full file disclosure and never received it.
Product: Credit card

Capital One charged me late fee and interest fee even though I tried to make the payment. This is because of their system restriction with the autopay, which prohibited me from making manual payments. 

I had a payment due on XX/XX/17. It was paid on autopay on XX/XX/17. I realized that same day that the payment was not going to go through in that autopay account and the payment was going to be rejected. I tried to make the payment via another bank account on the same day. However, Capital One 's system refused to allow me to make a payment on XX/XX/17, stating " you can not schedule a payment for this account ''. I made a payment as soon as I realize Capital One 's restriction lifted. However, capital one had already charged me an interest fee and a late fee despite their restriction for me to pay. I called and was unable to waive the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB XX/XX/XXXX SSN XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance XXXX   XXXX XXXX Last reported XX/XX/XXXX {$3100.00} Reported balance XXXX XXXX DOB XX/XX/XXXX SSN XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX
Product: Debt collection

I have never done with this debt collector, nor do I owe them any balance. I have never been in agreement to work with them. I have requested for this debt to be validated multiple times. When I submit a request, the company retaliates by adding derogatory comments or marks on my credit bring my score down lower. They have even deducted {$1.00} from the balance. There are various inaccuracies regarding dates across all 3 bureaus. I am requesting evidence in the form of a signed agreement with this company.
Product: Debt collection

I want to Report XXXX XXXX credit card this was 10 yr ago they took it out of my credit report now they using portfolio I never did no contract with this company and now they report it again its coming out like a new debt report again. I have a kid with XXXX 10 yr ago couldnt paid. On the 3 credit report is coming out again. They need to take all this out of my credit report deleted. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I I got a hard inquiry from JPMorgan Chase that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Renewal for my home insurance ( XXXX policy # XXXX ) ( wind, fire, homeowners ) is due and the premium went from {$6800.00} to {$9300.00} based on information from LexisNexis Consumer Service Center. 
They state that 1- % if depart store accts reported inlast 24 mo to total # accts 2- % open retail accts to total open accts 3-insufficient information on personal finance accts 4- # of  accounts that have been established I called the XXXX # provided ( XXXX ) for LexisNexis and only an automated robot was available which would not accept the reference # I was given ( XXXX ) but instead was asking for full name, DOB, SS XXXX. 

I have no outstanding balances on ANY credit card. I only use VISA and MASTRCARD which I pay in full each month. I pay monthly the mirtgage, phone, gas, electric, and car insurance. I hace a XXXX card  which is paid in full and an inactive XXXX and XXXX also paid in full. 

This raise in premium based on Lexis Nexis is completely inappropriate. I suspect it has to do with a claim last year due to Hurricane Irma which was actually not covered by them but by the flood insurance!! It is simply outrageous! 

Please help me! 

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

In XXXX of XXXX Brightway/ one main accepted a resolution of {$2000.00} to settle my account. On XX/XX/XXXX of XXXX the payment was made. As of XXXX of XXXX they have not updated my credit report or sent me a letter stating it has been settled. And they are now saying I owe the {$2000.00} more dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and TXXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX XXXX XXXX sinceXX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal Law and provides consumers with the necessary proof of investigation. 

These are the accounts that I've marked inaccurate : XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank Account # XXXX opened XX/XX/XXXX
Product: Student loan

I was asked by my sister to co-sign a student loan to help her through school to become an XXXX when her husband ( now divorced ) refused to help his wife at the time. My role as co-signatory began in XXXX or XXXX with a loan that originated with SallieMae that was eventually sold to NAVIENT in approximately XXXX. There was one loan account with 2 loan group numbers. For simplicity I will refer to them as LOAN 1 and LOAN 2, which I would only consistently receive the monthly loan statement for the lesser of the two loans LOAN 1. I didn't even realize there were two loans until XX/XX/XXXX when the " Annual Cosigner Private Education Loan Interest '' report showed up for LOAN 2. Unfortunately, all of this came to light when my sister not only recently defaulted on the 2nd portion of the loan, but had also been continually delaying/forbearing loan LOAN 2 that has resulted in capitalized interest that ballooned an original loan amount of {$18000.00} to a recent balance of {$63000.00} as of XX/XX/XXXX. I was aware of none of this, until I spoke with NAVIENT on XX/XX/XXXX to obtain the balance information. Representative examples of the documentation will be included with this complaint, but as a co-signer I was not given full disclosure of the loan with the higher balance, but only received the " Annual Cosigner Private Education Loan Interest '' until she stopped making the payments, then the late payment notifications began arriving, yet NEVER a statement of the loan. I was able to monitor the lesser loan LOAN 1 with timed monthly statements from NAVIENT. Had I received the same level of information on loan LOAN 2 I would have been able to intervene on the careless delinquency of my sister 's pending default, and definitely before the loan ballooned out of control. I am disappointed in NAVIENT 's inconsistency with statement reporting and failure to fully disclose the information of the loan out of control, until the primary account holder, i.e. my sister, defaulted on her payments. Furthermore, there was NEVER disclosure of the interest rate or variability of the interest rate in any of the correspondence on loan LOAN 2 from NAVIENT. We are looking into legal counsel about predatory lending practice, but the concern here is lack of disclosure of all information consistently and effectively to me as the co-signer.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I contacted SST regarding my XXXX account. During my initial communication, I informed them that I believed the amount they claimed I owed was incorrect. Subsequently, I sent them a formal letter disputing their claims. 

In XXXX and XX/XX/year>, I filed complaints with the XXXX XXXX XXXX XXXX XXXX  ) and the California Department of Financial Protection and Innovation ( DFPI ) concerning SST 's continued attempts to contact me without verifying the disputed balance. 

As of today, SST has reported a balance of {$15000.00} on my XXXX credit report, despite their most recent statement reflecting a disputed balance of {$14000.00}. Notably, their statement does not show any interest fees or additional charges. 

SST has failed to verify the original amount they claim I owe and is knowingly reporting inaccurate information to the credit bureaus without acknowledging that the debt is disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

Identity Theft XXXX Account Number : XXXX This is not mine XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

. DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

. XXXX XXXX XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXX Account Number : XXXX This is not mine.