23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of Identity Theft. The account # XXXX you listed on my consumer credit reports in the amount of {$3300.00} is fraudulent and is a result of Identity Theft. This account has no association to me as I never had a XXXX XXXX account and this is a direct result of Identity Theft. Furthermore, according to my current XXXX XXXX Report and other sources, there has been a civil lawsuit files against me in XXXX XXXX Case # XXXX by Midland Credit Management. Midland Credit Management has failed to verify the debt and follow the debt collection policies under the Federal Law Fair Debt Collection Practices Act ( FDCPA ). This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 


Under the Fair Credit Reporting Act ( FCRA ) and the Federal Law Fair Debt Collection Practices Act ( FDCPA ), you are required by State and Federal laws to cease all debt collection, and remove these fraudulent accounts reported on my consumer credit report. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding XXXX 's inaccurate reporting on my credit report. Specifically, XXXX has listed a negative entry related to CarMax XXXX that is false and misleading. The report indicates that I owe a delinquent amount, despite the fact that the issue is still unresolved and under negotiation. 

This entry pertains to a vehicle that was stolen and subsequently towed by a company called XXXX. I am currently in the process of negotiating with my insurance company, XXXX XXXX, to resolve the matter and pay off the remaining amount owed. The claim is still open, and the situation has not yet been settled. Given this, it is premature and unjust for XXXX to report this matter as if it were a closed or resolved debt. 

I have made several attempts to communicate with both CarMax and XXXX to rectify this erroneous listing, but the issue remains unresolved. This inaccurate reporting has caused significant harm to my credit score and has created undue stress as I try to resolve the matter with my insurance company. I respectfully request that the Consumer Protection Bureau take action to have this false information removed from my credit report immediately. 

I would appreciate your assistance in ensuring that XXXX and CarMax properly update my credit report to reflect the accurate status of this unresolved issue. I am prepared to provide documentation supporting my claim, including evidence of the ongoing negotiations with XXXX XXXX regarding the stolen vehicle. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Manager at XXXX sent me a bill on XX/XX/22. This invoice was revised on XX/XX/22. The new balance was paid in the amount of XXXX. The manager XXXX XXXX signed pais in full on XX/XX/22. I yave all of the signed documents proving this. I sent them to XXXX and XXXX with no results. This debt was never late and should not show as deragatory on my credit report. Please assist me in rhis matter. It has caused damage to my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XX/XX/25 Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute of Unauthorized Inquiries and Inaccurate Negative Items under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute multiple unauthorized inquiries and inaccurate negative items appearing on my Experian credit report. My rights under the Fair Credit Reporting Act ( FCRA ) require Experian to conduct a proper and thorough investigation of disputed information, yet I have reason to believe that Experian has failed to comply with these legal obligations, mirroring the issues raised in the lawsuit filed against Experian by the Consumer Financial Protection Bureau ( CFPB ).

1. Unauthorized Hard Inquiries ( FCRA Violations 15 U.S.C. 1681b ) There are ten ( 10 ) unauthorized inquiries on my credit report that I did not approve or initiate. Under 15 U.S.C. 1681b, a credit bureau may only furnish a credit report to a party with a permissible purpose and with my explicit authorization. Since I did not authorize these inquiries, they constitute unauthorized access to my credit file and must be removed immediately. 

Additionally, under 15 U.S.C. 1681i, Experian is required to conduct a reasonable reinvestigation of any disputed information within 30 days. However, despite my previous dispute ( s ), Experian has failed to conduct a proper investigation and continues to report these unauthorized inquiries, violating my rights under federal law.

2. Inaccurate Negative Reporting on XXXX XXXX XXXX XXXX ( FCRA Violations 15 U.S.C. 1681e ( b ), 1681i ) Experian has incorrectly reported several late payment remarks on my XXXX XXXX XXXX XXXX account, despite the fact that all payments were made on time and in full, and the account has been paid off. 

Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i, when a consumer disputes the accuracy of an item, the credit bureau is legally obligated to conduct a thorough reinvestigation and delete or correct any inaccurate, incomplete, or unverifiable information. Since these late payment remarks are factually incorrect, Experian must promptly remove them to ensure compliance with federal law.
Product: Mortgage

On XX/XX/XXXX I paid through a XXXX XXXX {$1300.00}. On XX/XX/XXXX, I bought three money orders which totaled {$2300.00}. On XX/XX/XXXX, I paid through a XXXX XXXX the fee of {$1100.00}. This totals {$4700.00}. To cure the default I had to pay {$4000.00}, XXXX. Ditech left a balance of {$730.00} for the Corporate Advance Fee and {$840.00} in Late Fees. Ditech did not pay {$130.00} of NSF Fees, or {$20.00} for Other Fees. Ditech put money is Escrow which resulted a check for {$1500.00}. I wrote a Notice of Error requesting my money be reallocated. In XX/XX/XXXX, Ditech sent an Escrow check of {$1500.00}. I sent certified mail to return the check to me because Ditech did not allocate money correctly. On XX/XX/XXXX Ditech sent another letter out for me to Cure the Default with fees of {$130.00} NSF Fees, {$20.00} Other Fees, {$730.00} Corporate Advance Balance and {$930.00} in Late Charges. The first time I paid these fees were through 3 money orders, and 2 XXXX XXXX at XXXX. The second time I paid these fees were through 2 XXXX XXXX of {$520.00} each on the dates XX/XX/XXXX, and XX/XX/XXXX. I sent 4 money orders which all specified a certain amount and how it was to be applied. XX/XX/XXXX -- {$130.00} NSF Fees, and {$20.00} Other Fees. XX/XX/XXXX {$930.00} Late Charges, and {$730.00} Corporate Advance Balance. I am sending copies of the Quit Claim Deed I sent to Ditech. I am attaching Notice of Error from XX/XX/XXXX, information sent to through certified mail about the Escrow check sent to him in XX/XX/XXXX, and copies of what I have currently paid to Cure Default by XX/XX/XXXX
Product: Mortgage

This is ONGOING-especially during summer months with Green Tree LLC. They can NOT post a payment in a timely fashion. For some reason it takes LONGER usually starting in XXXX to receive and post a payment correctly. Then the arrears process begins against my account which is an ERROR on their part, but they show my account for my mortgage delinquent and then I start the complaint process against them. This has been ONGOING since XXXX XXXX XXXX XXXX XXXX dumped me in their care. The payments are made, they just do NOT process them, they clear my bank. I write checks and mail them for a paper trail, because you NEED a paper trail to prove everything with this unfortunate excuse for a servicer. They are inept, they do NOT practice general accounting principles. They charge BOGUS late fees, and my personal favorite ... the dinging of your credit so you ca n't get AWAY from the vultures. My Congressman is SICK and TIRED of me complaining to him about their inability to service a mortgage loan correctly. But NOTHING gets done, the complaints from the masses continue, the BBB told me they get NO where with them. NO one seems to be able to make them DO what they are supposed to DO.
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. 

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 XXXX XXXX XXXXXXXX, 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 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: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX For unknown reasons without my consent, this institution above submitted a Hard Inquiry for my credit report for Equifax only. I have NEVER dealt with them nor can I find information for this scam company. Equifax requires I create a report with FTC to be able to remove this. Please help me remove this.
Product: Payday loan, title loan, or personal loan

Sun loan company has closed my account in 2015 and continues to charge interest charges to my account and report to credit agencies. I have spoken to manager Mr. XXXX at Sun loan location XXXX at XXXX XXXX XXXX Texas without a concrete explanation as to continued charges for interest and late payments if account has been placed on collections. Manager was non English speaking and was very rude about dispute. I am being charged fraudulent fees and account has been closed.
Product: Credit reporting or other personal consumer reports

I have three lenders that continue to inaccurately report my accounts as past due. The first lender is XXXX XXXX XXXX , the second is XXXX XXXX and the third is NETCREDIT. Despite my repeated requests and submission of documents proving that these accounts have been paid off, the credit bureaus have not updated my account statuses to reflect that they are current, paid off, and closed. 

I've taken all the necessary steps to rectify this situation. I've contacted each credit bureau individually, providing them with the necessary documentation that shows my accounts are paid off. Despite these efforts, the lenders persist in reporting my accounts as past due, which is inaccurate and misleading. 

This ongoing issue is not only frustrating but also has a significant negative impact on my credit report and, consequently, my financial well-being. The incorrect reporting by these lenders is a clear violation of my consumer rights. 

Given that my efforts to resolve this matter directly with the lenders and the credit bureaus have been unsuccessful, I have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ). I believe that their intervention is necessary to ensure that my credit report is corrected and that my consumer rights are upheld. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding negative items was submitted on XXXX XXXX XXXX  and I have not yet received a response. ''
Product: Mortgage

You are servicing an account for XXXX XXXX, the account is a foreclosure and we are in the process of purchasing it. 



The property address is XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 



We were to close on Friday XX/XX/XXXX, but the XXXX XXXX ( or whomever handles the sale ) sent the deed and documents not to the title company were using in XXXX Maryland, but to a completely unrelated title company in XXXX Virginia. 



As buyers, we have been perfect. We have done everything SPS has asked of us, but every step of the way we have incurred financial harm through the direct fault of SPS. 



To name a few : Needing a home inspection but SPS is unable to have utilities turned on promptly as stated in the purchase contract. As a result, one inspection must be done on a Saturday incurring an additional {$200.00} fee from the inspector from the weekend hours. This inspection only had the electricity on, but not the water and gas so were unable to do a full inspection SPS then is able to dewinterize the property and turn the water and gas on, a new inspection must be completed during the two day window we are allotted for when the property is dewinterized. A new inspection is done for {$500.00}, as the inspection was done on short notice SPS adds padlocks to the garage door tracks and backyard fence gate. This will now require a locksmith to remove, at a cost estimate of {$480.00} SPS removes the front fence gate post and gate. This will now incur at least a {$1500.00} fee to have it fixed once we are able to take ownership of the property SPS demands we close by XX/XX/XXXX or incur a {$100.00} a day charge for each day thereafter. SPS changes closing to XX/XX/XXXX and listing agent does not return calls or text messages when offers are made to close earlier as requested by SPS Closing scheduled for XX/XX/XXXX. SPS does not provide seller documents to title company. 

Title company, our mortgage company, and real estate agent are unable to reach SPS or listing agent after dozens of attempts on Friday. No answer as to where deed is. 

XX/XX/XXXX, SPS states that whoops, deed is over in XXXX, makes no attempt to rectify XX/XX/XXXX, no response from SPS as to request for damages of {$2500.00} due to just the fence and delayed closing. 

XX/XX/XXXX, we receive notice that after being cleared to close SPS is now demanding a last minute closing extension document that they have failed to produce and send to us despite knowing that the closing date was extended. 

XX/XX/XXXX, we will be meeting with a real estate attorney to consult our next steps to possibly sue for damages. 

We need to know whats happened here, and what will be done to fix this. We sold our property on XX/XX/XXXX in good faith with the expectation that SPS would be honoring their purchase contract and allowing us to close as agreed on XX/XX/XXXX. We are now 4 days without owning a home due to, what I hope arent deliberate, errors made by SPS at every step of this process. 

I can be reached at XXXX or by email at XXXX XXXX
Product: Debt collection

In XXXX, while living in XXXX, GA, I was contacted about a debt by the law firm of Zwicker and associates ( XXXX ), with whom I set up a payment arrangement. The original debt balance was {$5600.00}. I contacted XXXX XXXX  who informed me that the debt had gone to collections and they had no further information. The paralegal at Zwicker with whom I spoke told me after I had made a couple of payments that because of COVID XXXX XXXX  ( the debtor ) was suspending payments and probably dismissing them in light of financial hardships. I was told that Zwicker would notify me when or if payments would resume. I have since moved to North Carolina. 
Approximately a year later in XXXX I was served with a notice that a judgement had been found against me. I was given no notice that this was considered and it was a complete surprise. I tried contacting Zwicker and was given a run around without any one person explaining why or how a judgement could be placed against me without any notification or offer to begin repayment. 
Since then, I had not had any further contact from Zwicker until XXXX of XXXX when I checked my bank account and found that both my savings and checking accounts had been emptied and a hold was placed on my account. I contacted my bank who notified me that Zwicker had slammed my account, garnished my monies and placed a hold on the account. They could give me no further information and told me to contact Zwicker. When I called Zwicker, they told me that it was a legal hold and that I needed to talk to my bank. They also told me that they were unable to contact me which is funny since they were easily able to access my bank records. Further, I am not in hiding and my location is easy to determine. 
My issue its that Zwicker acted unscrupulously and without warning or notification after an extended time of no action to wipe out my entire savings and checking. I was given no notice that any action would be taken and since such an extended period had gone by without any action or notification, I had forgotten about the issue and assumed that the debt had been forgiven, as many credit card debts were at the time. To restate, Zwicker had told me that XXXX XXXX  was suspending payments and might forgive the debt do to the economic hardships caused by COVID. They told me that they would contact me at a later date regarding the status of the debt, which they never did. Almost three years later, they wiped my account clean without any warning or notification and froze my accounts. Since I had several automatic payments tied to my checking account, this put me in greater jeopardy. 
I have since learned that Zwicker and associates routinely acts in this manner without regard to the impact on my life and is regarded as one of the most unscrupulous firms in the business.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CREDIT BUREAU IS REPORTING TWO NEGATIVE ACCOUNTS FROM XXXX XXXX XXXX AND XXXX XXXX BUT I PAID AS AGREED.I HAVE PROOF FROM EQUIFAX CREDIT REPORT HOW CAN IT BE A NEGATIVE ACCOUNT IF I PAID AS AGREED?
Product: Vehicle loan or lease

I had an auto loan and we were charged an outrageously high amount for XXXX coverage then literally watched others pay very little for more coverage. The vehicle ultimately ended up being repossessed bc a lot of fees were incorrectly applied and charges were ridiculously high compared to other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Early Warning Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy. 
I, XXXX XXXX, demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Legal Name - XXXX XXXX 2. My Address - XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.
Product: Vehicle loan or lease

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA SIMPL-. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

i paid off my XXXX  bill an XXXX, its was suppose to be paid in deletion off my credit and they will not deleted information. 

also paid XXXX XXXX settle for less and they for XXXX and will deleted off my report at & t for XXXX, advise them i had that account in XXXX its no way that account should be still reporting and saying it only be opening for 3 years when i move and not have service since XXXX
Product: Payday loan, title loan, personal loan, or advance loan

After the settlement was finalized with last payment confirmed in XX/XX/2023 about emailing me the 1099 C form for tax year XXXX. I called XXXX to advised them to email me the form ; however the call was disconnect. I would like Discover Personal Loan to upload in this portal or email me it.
Product: Consumer Loan

Regional Finance of XXXX NC, assessed a {$15.00} Late Fee on my account, when my account has never been late since it 's inception. 

I have tried, over several months, and several complaints, to have it removed, all in vain.
Product: Credit reporting or other personal consumer reports

Ive tried contacting the company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation and I still end up with incorrect numbers being put on my credit report
Product: Credit card or prepaid card

I am having trouble with Citibank 's interest calculations. On XX/XX/19, I submitted a payment of {$24000.00} to my credit card that I believed would pay off the total on the card. This was 2 days before the billing cycle closed and before my statement was completed. When the statement arrived, I overlooked reviewing the statement because I believed the balance was paid off. However, shortly after, I began receiving harassing phone calls for my overdue account. I explained that I had paid off the account, and assumed the error would be corrected. However, this problem continues, and I researched the issue. It seems that rather than zeroing out my account when I paid it off, Citibank charged interest- $ XXXX for a large purchase- $ XXXX that I paid off during the same billing cycle. They then continued to charge late fees for 3 months on the erroneously charged interest. When I phoned to resolve the issue, the operator continued to tell me that the fee is due to the {$990.00} balance I carried over from the prior month. When I told them the interest rate on my card is 15.24 % and the interest should be no more than {$12.00}, they continued to argue, making various points, but none of them holding up to our credit agreement.