23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XX/XX/year> Fig Loans Texas LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX : Cease and Desist Communication Regarding Alleged Debt Dear Fig Loans LLC, This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter. 

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed. 

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable. 

Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

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

I have hard inquiries and/or collections on my report which need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX account # ( XXXX ) has violated my rights under FDCPA 15 U.S.C 1692g 809 ( a ) by failing to sending me, the consumer, notice of debt within 5 days of initial contact. 

XXXX XXXX XXXX  ( XXXX ) has further violated my rights under FDCPA 15 U.S.C 1692e 807 ( 8 ) by failing to communicate that the debt was disputed. 

Equifax has also violated my rights under FCRA 15 U.S.C 1681s-2 623 ( a ) ( 3 ) by failing to provide notice of dispute after closing my dispute and after 30 days required by the FCRA. 

I will attach documents that provide proof of these violations. Documents will include the day this account was disputed, the date the dispute was closed, and a credit report 30 days after dispute was submitted. I demand that both companies permanently remove this account from my credit report.
Product: Vehicle loan or lease

failed to sell the car in a commercially reasonable manner and sold at below fair market value. Also no notification of the sale was provided. As required by law.
Product: Credit card

XX/XX/XXXX XXXX $ charge from vendor XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX credited for damaged/melted door XXXX by vendor Bank of America credited {$1400.00} two weeks after opened dispute. 
Service was unwarranted, submitted texts, pictures, screenshot 's, proof of reevaluation by other pest vendors.Submitted letter of attempts to settle with vendor. 
XX/XX/XXXX Bank-of America denied claim saying company can charge for any service I received.
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. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/year>
Product: Debt collection

After leaving XXXX XXXX, i moved from California to North Carolina. Before i left California, i had given XXXX XXXX XXXX ( XXXX ) my mother 's address so they can forward my last bill to me. Unfortunately for me, my mother was sick from XXXX and couldn't get any letter sent to her address to me. I gave XXXX my phone number as well but they never called. I didn't find out until it was already on my credit report. Till today, i'm still yet to get my refund for moving my family from the XXXX but the military housing has already reported to credit bureaus.
Product: Mortgage

On XX/XX/XXXX, a loan modification agreement with XXXX XXXXXXXX XXXX became permanent following a trial period of 3 months. An escrow analysis in the loan modification agreement set the escrow portion of the payment was set at {$680.00} and the principal and interest payment at {$1500.00} making the total monthly payment to be {$2200.00}. ( See attachment 1 Loan Modification Agreement ). 

When Mr. Copper took over the servicing rights, the escrow portion of the payment was set at {$1000.00} resulting into a total monthly payment of {$2600.00}. ( See Attachment XXXX XXXX XXXX XXXX XXXX XXXX IRS Form XXXX ). No escrow analysis was performed. The {$370.00} difference between the loan modification required monthly payment and the payment set by Mr. Cooper accumulated over a period of 42 months and that amount is included in the alleged delinquent amount Mr. Cooper is demanding to avoid foreclosure. 

Secondly, my account was not credited for the XX/XX/XXXX payment and that amount, which I have already paid, is included in the alleged delinquent amount. Mr. Cooper sent out a Notice of Assignment, Sale or Transfer of Servicing Rights and instructed me to send the XX/XX/XXXX payment to XXXX XXXX  XXXX. Mr. Cooper knew that the check was received and cashed, however, my account was not credited. ( See Attachment XXXX XX/XX/XXXX Cancelled Check and Attachment 5 Notice of Assignment, Sale or Transfer of Servicing Rights ). 

Mr. Cooper did not issue annual escrow estimate statements and monthly mortgage statements between XX/XX/XXXX and XX/XX/XXXX. Mr. Cooper arbitrarily set escrow payment amounts and those amounts are included in the alleged delinquent amount. I did not waive my rights to receive annual escrow and monthly mortgage statements. 

Mr. Cooper erroneously coded my account as being in active bankruptcy from XX/XX/XXXX until XX/XX/XXXX and made its servicing decisions as though I was in bankruptcy. ( See attachment 6 - Mr. Coopers default letter and attachment 7 account audit report ) The XX/XX/XXXX mortgage statement shows that {$6900.00} was added to the amount due without a valid legal explanation. ( See attachment XXXX ). 

Mr. Cooper has received a monthly mortgage payment from XX/XX/XXXX up to XX/XX/XXXX. Mr. Cooper is not cashing the mortgage checks and instead late fees and inspection charges are being added to my loan. Mr. Cooper has failed to fulfill its obligations and has not deposited money in the escrow impounds account. Escrow advances have been added to the alleged delinquent amount.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently reviewed my credit report and found an account with inaccurate information. I have attached a screenshot to this complaint. This Account XXXX, is affecting my ability to obtain credit based on the banking system. Additionally, this account has been closed. 

I request a complete review of my credit report and that this inaccurate information be removed as soon as possible. 

Upon reviewing my report again, I noticed that no changes were made. According to 15 USC 1681i 5, the law states the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must : ( i ) promptly delete or modify that item of information from the consumer 's file; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file.

According to 15 USC 1681e ( b ) : ( b ) Accuracy of report Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in the reports.

And according to 15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors No person shall 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.

( B ) Reporting information after notice and confirmation of errors No person shall furnish inaccurate information if : ( i ) the consumer has notified that the information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX, XXXX and Experian did not conduct an adequate reinvestigation, and I can prove it with evidence. I request a complete review and correction of the errors in my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ltd financial is calling my place of employment and repeatedly leaving messages for me to return their calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Enclosed is a copy of my Identity Theft Report supporting my position. [ Consumers should redact information that is unrelated to the dispute with this company. ] 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

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  ACCT # XXXX 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. 

15U.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. 

Experian shows it's a closed account and XXXX XXXX shows it's an open account listed in my credit. This is inaccurate and must be removed my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding a sudden and unexplained drop in my credit score by XXXX points, from XX/XX/year> to XX/XX/year>. Despite my efforts to resolve this issue, I have not received a clear explanation for the change. On XX/XX/year>, I contacted XXXX customer service and spoke to ( 2 ) representatives who were unable to verify or explain with details other than assumptions of why they " think '' it may have dropped which did not make sense being nothing drastically occurred ( no new collections, debt, past due accounts, etc. ). I was then transferred to a supervisor after being frustrated, however both supervisor I spoke with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) failed to verify or explain the cause of the score drop. I was told by XXXX " sir you have spoken to other reps and as you know XXXX so the best I can do is file a complaint and escalate it to our IT Team who will look into this as an " error '' - complaint number was not given at the end of the call. The lack of transparency and failure to resolve this issue has left me concerned about the accuracy of my credit report along with having this stress and burden on my back as I have worked very hard to maintain a good credit score. 

XXXX FAILED TO DO THE FOLLOWING BELOW. 

The FCRA ( 15 U.S.C. 1681 et seq. ) - Notification of Adverse Actions : If a negative change, such as a drop in credit score, is based on information provided by a third-party lender or creditor, the consumer must be notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Bank of America unknown to us froze our checking and savings accounts. Not notifying us. Sent email later stating bill pay wouldnt be impacted. XXXX XXXX XXXX XXXX XXXX VA has apparently filed a fraud investigation on a trust fund that I was durable power of attorney for XXXX XXXX XXXX and trustee for trust fund set up in XXXX of XXXX XXXX dollars. None of the money had been used. It was there for safe keeping for XXXX. I have taken care of him for almost XXXX years. Because of health reasons doctors at XXXX XXXX XXXX said he needed assisted living. Working with case worker, XXXX and his sister XXXX he was admitted into XXXX XXXX XXXX XXXX XXXX 
A XXXX XXXX friend XXXX claims to be his foster daughter. She is no relation at all. She has wanted to be POA but lives in VA. 
She came and took XXXX to several banks, he knew where the trust fund was. They went to Bank of America with no identification for either of them. No idea what was said but my accounts were frozen and I have no idea who has the {$90.00} XXXX dollars. I do not. I have sent copies of all legal documents to both the bank and credit union. All I get is its under investigation. No date that my money will be released so I can pay bills. These two institutions have totally financially caused us hardship since XX/XX/2022 with no explanation other under investigation. I need help
Product: Credit card or prepaid card

The Comenity sites, call centers and easy pay access are not working since XXXX XXXX. I have tried every possible way to make a payment to no avail. They have a generic response on XXXX starting that their scheduled maintenance is taking longer than expected. I fear that this will result in a late payment by no fault of my own. There is no information available and no clear response. I am not the only one, XXXX feeds are full of other customers who are experiencing the exact same issue.
Product: Debt collection

XXXX XXXX, SS # XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX Experian XXXX and XXXX credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within 7 business days of you receiving this complaint.

In accordance with the Fair Credit Reporting act, these in accurate accounts consist of all hard inquiries such as accts from XXXX XXXX, XXXX XXXX ( bank ) on XX/XX/XXXX, also XXXX XXXX ( XXXX & XXXX ) on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ( bank ) on XX/XX/XXXX, XXXX ( bank ) XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX ( bank ) on XX/XX/XXXX .All the accounts are falsely listed with wrong dates and account numbers on my Experian, XXXX XXXX and XXXX consumer credit profile. I would like these hard inquiries deleted with in 4 days of receiving this complaint.

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
Product: Credit reporting or other personal consumer reports

Do not authorize the dealer to check on any other lender other than XXXX. So I want this checkup to be eliminated. I talked to the dealer 's XXXX and he said he couldn't do anything since the seller didn't tell him that. Then I want the immediate elimination of it
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment entry that appears on my credit report. Upon reviewing my credit report, I noticed a late payment listed ( XX/XX/year> ), which I believe to be inaccurate.My account with XXXX XXXX XXXX XXXX was never late.According to FCRA Section 1681e, a creditor may not treat a payment on a credit card account as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer not later than 21 days before the payment due date.I request that you conduct a comprehensive investigation into this matter and provide verifiable proof with records showing that I have late payments.If the information can not be verified I demand these payments be updated immediately. Thank you for you understanding and prompt action.I request that you investigate whether the creditor in question has adhered to the aforementioned requirements regarding the timely delivery of periodic statements. If it is found that the creditor has failed to do so, any reported late payments would be inaccurate and should be rectified accordingly.
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to cancel my account with this company, and they have made it impossible. They continue to withdraw money from my account with the most recent withdrawals being XX/XX/XXXX for {$76.00} and XX/XX/XXXX {$67.00} XX/XX/XXXX XXXX they currently have {$180.00} withdrawals from my Checking account and Ive asked him yesterday through text message if they could please help me cancel my account. You can only reach them by text message and the response was a email thread showing me how to cancel it. The problem is you have to have a XXXX XXXX balance and when they continue to withdraw money from my account it is never never a XXXX XXXX balance because of all the money is always pending, I have money pending XX/XX/XXXX has still not processed just stuck in pending status. They also sent {$1.00} to a cash card for me to withdraw which is also impossible to withdraw so the money will stay locked and its preventing me from withdrawing because I dont have access to the cash card to withdraw and they made it impossible to withdraw it from my linking checking account. Please force this company to close my account and stop taking my money. I feel like I would have to close my entire checking account because they refuse to stop. This has been going on since XXXX charging bogus fees for a genius subscription so they can invest funds into services I did not ask for. This company is a scam based off offering a payday advance of {$50.00} to withdraw money by debiting unauthorized transactions out my account every other day. This Albert app needs to be closed down immediately
Product: Student loan

It is unclear when my student loan payment is due. Additionally, it is unclear when student loan interest begun. I was not notified of when interest begun accruing on my loans. I previously asked for information on the SAVE program because I was interested in learning more about how that program addresses accrued interest when compared to the PAYE program. However, MOHELA failed to timely respond to my question asked on XXXX until XXXX and XXXX ( see XXXX XXXX delivered by MOHELA on XXXX ) AFTER interest appears to have started. Furthermore, the loan payment date is XXXX and XXXX which is different than the next loan payment due date reflected on studentaid.gov which is XXXX. It appears to be a slimy business for a loan service provider to notify a borrower of SAVE payment plan only after payment have begun in a message dated XXXX when the inquiry was made in XX/XX/2023. I am concerned that I paid interest for a XXXX plan I would not otherwise have paid due to enrolling in SAVE program that could account for interest as forgiven amount which is my understanding I think. My loan balance documentation will show that on XXXX there was no indication that most of my loans would resume. However, on XXXX interest had already accrued without any notification by MOHELA. Additionally, I did not receive any information on the SAVE program in response to my XXXX inquiry until XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my Innovis Credit Report and found inaccurate information listed on Innovis Credit Report. The following Requests Others Can See are fraudulent and unauthorized : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX Financial XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX and XXXX, XXXX XXXX, XX/XX/XXXX XXXX the following Requests Only You Can See is also fraudulent and unauthorized : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, Innovis Consumer Assistance XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX following addresses listed on my credit report are not my addresses : XXXX XXXX XXXX, XXXX  XXXX, XXXX, MN XXXX and XXXX XXXX XXXX, XXXX, AZ XXXX, I have never resided at the listed addresses. Furthermore, I want the Opt Out immediately deleted and removed from my credit report. I want to Opt In for promotional offers of credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you,, Experian credit reporting agency XXXX XXXX credit reporting agency , and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.