23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the CRA 'S due to XXXX XXXX XXXX XXXX XXXX XXXX ) trying to collect an alleged debt that has not been validated. The original creditor, XXXX XXXX has been sent a CFPB complaint. The alleged collection agency, XXXX XXXX has no verifiable information such as a website, phone number, address, and they are not listed on the CFPB or XXXX. Additionally, XXXX XXXX has failed to provide their license to collect debts in the state of Texas. After conducting my own search through the Texas XXXX XXXX, I have found that XXXX XXXX XXXX is not registered to conduct business in Texas. Their business transactions have also been forfeited in the state. These actions indicate that they are engaging in illegal business practices within the state. How are the CRA 's allowing an unregistered business to report on consumer reports? This is illegal. Given these violations, I am requesting the immediate removal of this tradeline from my credit report. Furthermore, the information reporting on my credit report is inconsistent between all XXXX credit bureaus. XXXX XXXX has also been accused of a loan churning scheme according to the CFPB and I will use this information in court.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Information Being Challenged Incorrect Date of Birth : XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Employers to Be Removed : XXXX XXXX XXXX XXXX XXXX  Accounts Being Challenged - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX Collections Being Challenged : - XXXX  XXXX - XXXX Inquiries Being Challenged : -XXXX - XXXX - XXXX - XXXX
Product: Credit reporting or other personal consumer reports

There are inquires on my credit reports that i did not authorize : XXXX XXXX XXXX, XXXX XXXX syncb/lowes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I lodged a complaint against Equifax for NOT PROVIDING ME A COPY OF THE DISPUTE RESULTS via the CFPB ( XXXX ). This is not to be confused as a copy of the credit report but rather the consumer is entitled to the results of the dispute separate then the credit report. In this complaint, it was very clear that the consumer was requested a copy of the DISPUTE RESULTS and that the investigation into the matter was already conducted and closed. However, this has proven to be fruitless. In fact, in a response to the original CFPB complaint, Equifax states that the consumer indicated that there were inaccuracies on the consumer 's credit report when in fact the complaint had nothing to do with. In fact, the complaint was due to Equifax and there handling of a copy of the dispute which is required to be sent by federal law. 

Equifax sent the consumers PII to two ( 2 ) different email addresses other than the ones that the consumer requested or operates. This is also a violation of federal law. Equifax stated that would fix and correct THIER mistake however they have not done so to do and have further refused to send the consumer a copy of the dispute results. In fact, Equifax stated that if anything happens with the consumers PII that they sent to another person other then the consumer themselves that the consumer would be liable for anything resulting as such, such as identity theft and or fraud.

EQUIFAX themselves have violated several state and federal laws and willingly and maliciously disclosed a consumer 's PII to others without the consumer 's consent as a vendetta and retaliation against the consumer for making complaints. The consumer DEMANDS that Equifax hold itself accountable and take ownership and correct the issue and email the copy of the dispute results to the consumer as promised and supposed to do in the first place.
Product: Vehicle loan or lease

I am coming to this bureau regarding a very serious concern of mine regarding my Toyota lease. In XX/XX/XXXX/XX/XX/XXXX of XX/XX/XXXX-XX/XX/XXXX I was concerned as to why my credit dropped OVER a hundred points and noticed right away that Toyota Financial had reported me as a delinquent on my lease. I have been in contact with them a lot regarding renewing my lease and potentially acquiring a new vehicle and never once had they mentioned to me that I was overdue on a bill that was supposed to be on AUTOPAY. I have always used autopay and only in emergency situations when I travel do I request statements. In these months I had not been made aware that my autopay was not successful nor that the autopay was somehow disabled. As a result I have no way of seeing or obtaining a statement from them because this was on automatic servicing. I receive don e-mail, no mail at ty address and what is most shocking is that I received not ONE SINGLE phone call to warn me or protect me. I am so shocked and confused at this company and how they can repeatedly try to sell and re-sell cars to me and yet they can not even contact me regarding an autopay issue and a payment that was nearing its due date. I had gotten my payment in before my grace period as far as I was concerned and yet they still reported me 30 DAYS late. This is abuse of power and a terror to consumers! How can they be a financial institution and yet the sit there and wait until more than enough time has passed by so they can tarnish my credit, charge me astronomical interest and late fees and smile there way through our conversations about me being such a great customer that I qualify for a new car??? 

It is in their professional duty to inform consumers if there is an issue so that these horrible situations can be avoided. But it seems to me that Toyota Financial is the greediest and most deceptive company. I have called every possible phone  number in a an attempt to reach the dispute department but there is NO one there and no direct number and one can only communicate through their unprofessional and ill informed customer service agents situated in other countries who barely understand me. I have always been an excellent customer and these zero tolerance zero heart policies HAVE TO STOP! These companies constantly justify themselves and we as consumers feel and are absolutely powerless. How can they not understand a human situation and a electronic mishap? How can they not assume or believe or understand that mistakes happen and that they are NOT always right! I am going to pursue legal action for the damages done to me if someone does not help me. I implore your help on this website, please. I am running out of time and want to purchase a new car and can no longer. Also as a result of this my new interest will be out of this world high. This is unfair and not right.
Product: Debt collection

This is at least the third time that a collection company has tried to collect money saying I am in collections from a XXXX XXXX XXXX XXXX XXXX unpaid bill. I have not had XXXX XXXX in over XXXX yrs and disconnected it when I sold my home. I returned equipment per request, this was also during COVID 19 in XX/XX/XXXX. 

They have placed negative on my credit report that states overdue payment starting in XX/XX/XXXX. 
Enhanced Recovery XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX account # XXXX has violated my rights. 

XXXX5 U.S.C 1681section 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: Debt collection

In XXXX filed identity theft packet and filed police report with the XXXX XXXX police department. Someone charged XXXX with of stuff on credit card with Wellsfargo. They have all paperwork and they tried to have the person arrest because he was seen on camera using my card at an atm in XXXX XXXX, Georgia. I have been trying to remove this form my credit since XXXX.
Product: Checking or savings account

On several occasions, my checking account had funds debited from the account without notifying me like they did in the past. Although, the monies have been returned, I have 3 inquiries on my credit report that are fraudulent.
Product: Debt collection

On XX/XX/XXXX, we received the attached letter marked Letter to XXXX XXXX. Twas dated XX/XX/XXXX, but we did not receive it until XX/XX/XXXX. Strange since they have the correct address on file. It shows an amount owed to XXXX  for {$1500.00}. When I asked them ( XXXX XXXX ), they said it was actually 4 separate bills to four separate medical groups, the oldest dating all the way back to XXXX. The oldest bill was actually to a rival medical group to XXXX. I asked for a breakdown of these charges so I could verify the charges as there should have been nothing owed at the hospital in question. The person in question told me the hospital would have no records as they were purged from their system, so I had to rely entirely on the information from XXXX. I am still awaiting the requested information. Electronically that should be something available within an hour at the most if legitimate. 
The main complaint I have is this. Yesterday, XX/XX/XXXX, we received a second letter from XXXX, it is attached as Letter to XXXX XXXX. It is dated on XX/XX/XXXX and is for the exact same amount of money with the exact same description. The difference is a separate Client Account Number and Account Number. This would lead a affected party to pay for the same unverified debt TWICE. If this is not fraudulent, please let me know.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies 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. XXXX ) 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. 

Accounts marked as inaccurate : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit report via XXXX XXXX one random day and saw that I had a collections report that I was completely unaware of and had not been notified of at all. It is from XXXX and they have not sent me a bill either. I feel blindsided and if I was notified, I would have paid so that it would not be sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern Experian and Consumer Portfolio services My account is reflecting XXXX  % paid in full but you also state that there is a written off balance if an account was brought to a XXXX  balance and reflected at XXXX  % paid off how can a debt be sold to another come I have never signed with no proof of the debt was provided as well the information that is being proved to the bureaus is inaccurate and incomplete which makes this account in violation of the FCRA laws and my rights as a consumer to have accurate and complete information reported to the credit bureau not only have you violated my privacy Right you have violated my FCRA RIGHTS AND I AM DEMANDING THIS ACCOUNT BE DELTED FROM MY CONSUMER REPORT YOU ARE IN Violation of the laws by not reporting an accurate and complete credit report bc by the balance stating paid in full with a XXXX  balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with FS Genesis Card services. I paid off my card around XXXX and wanted my account closed due to the fact the said they keep mailing me out cards that never arrived at my place so I just ended up calling and getting my account closed. The person never closed my account so fast forward to a month ago and they said I was late on a payment and reported it to my credit company. I called up genesis card services and the first person I talked to seen where I was coming from and not only took off late payments and interest charges but took off the annual fee and put my account down to {$0.00} and finally closed my account. It has already been reported to my credit company that I am 60 days late on my payment that I was never suppose to have.
Product: Credit card or prepaid card

Costco Citi card credit card. Dispute number XXXX Overcharged why a dentist on XX/XX/2020 for the amount of {$4000.00} for cleaning services. 

Called the credit card company to dispute the charge and they emailed me back that they looked into the matter and could not help me and still paid the dentist office.
Product: Vehicle loan or lease

On XX/XX/2023 my car was repossessed, then Hurricane Idalia came and the following Monday I called to arrange payment and collection of my car, which I paid {$1000.00} on XX/XX/2023 and waited the requested XXXX hours. I called back after the XXXX hours was over on XX/XX/XXXX and was told that they would release my car, no one did so. I had to call back on XX/XX/2023 and was told that the release was not completed on XX/XX/XXXX and that they will do it now. It was released XX/XX/2023 and Westlake Portfolio management failed to send the hold notice on the car so that I could recover my vehicle they instead sent it to auction the next day.
Product: Vehicle loan or lease

Wells Fargo Class Action Lawsuit I had a auto loan with Wells Fargo from XXXX. I have moved a few times since then and I am wondering if i am part of the class action lawsuit. I have not received a letter. I tried calling. I got a rep that did not know how to help and then forwarded me to a number that disconnected me. I don't have a current account there but I want to know if I am eligible to participate in their repayment.
Product: Mortgage

Carrington Mortgage worked with us to complete a XXXX forbearance for this account. We sent in our modification paperwork, as requested. However, we received a letter that our modification paperwork had not been received so our forbearance had been extended from XXXX to XX/XX/XXXX. 
We received our signed modification paperwork in XXXX and made our first payment XX/XX/XXXX for what should have been our XX/XX/XXXX payment. From the time of our modification paperwork, our payment also somehow went from {$1100.00} to {$1100.00}. 
We are now receiving letters threatening us with foreclosure because our payment is late even though, according to their own paperwork, our payments are on time. We also have to call or mail our payment in as we can not make the payment on line. 
Meanwhile, I've been diagnosed with XXXX and am now in fear that, if I miss a payment due to dealing with doctors and tests, we'll lose the house because Carrington Mortgage refuses to honor the letter they sent.
Product: Mortgage

We have a construction Loan with FlagStar Bank ( XXXX XXXX  ) for an interest only construction loan to build our house. It's an " all-in-one '' close loan that turns into a 30 year mortgage at the end of the construction project. Our current builder/contractor is demanding {$30000.00} OVER our contract ( with him ) to get OFF of our project after refusing to finish it and after abandoning our project FIVE months ago. He has demanded that the bank reserve the near {$30000.00} of our construction loan for HIM and the BANK, although receiving interest payments monthly from us, will NOT allow us to sub in another contractor to complete our project until we 'settle ' our matter with the current contractor. We feel that the bank is unjustly enriching themselves at our expense by NOT allowing us to exercise our right to complete our home as soon as possible. The bank says " we don't get involved '' ; however, they are STOPPING us from completing our home. This is very unfair. Our CONTRACT with FlagStar Bank does NOT allow " change orders '' without BANK approval ; however, the contractor DID just that : he did work on the house then attempted to BILL US outside of the contract for changes we did NOT approve. NOW the bank is allowing 'him ' to hold up our build. He has NO change orders signed by us for the work he is telling the bank that he MUST be paid for by XX/XX/2020, or HE will file liens against the property. He informed the bank in writing on XX/XX/2020, that he will NOT be completing the project. The bank NEVER even informed US of this ; nor did they assist us by offering to take control of the project WHEN the contractor stated he was NOT going to finish. How is this ok??
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  is a Debt collector having a place of business at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. They are collecting a debt real or alleged found on my Experian and XXXX XXXX XXXX, therefore they fall under the rules and regulations as set forth in the FCRA and FDCPA. I am making you aware of a indecent of a violation of these laws. On XX/XX/2023 a single payment towards the debt in question was remitted for the amount of {$1.00}. The balance due prior to this date was {$730.00}. Once that real payment was processed they did in fact update showing that they took the money as shown on the XXXX Collection Status Prior to XXXX with the new balance as of XXXX being {$730.00} with a report as shown generate XXXX XX/XX/2023. On that very day or just prior to we initiated a validation of debt complaint Via XXXX  it is my/our right per the FCRA and FDCPA. On the XXXX of XX/XX/2023, the Experian dispute was updated by XXXX XXXX with a change a increase of XXXX dollar to the balance. 

I submit : 1 ) This a clear violation of the FCRA section 609 in regards timely and [ accurate reporting. ] 2 ) A violation of the FDCPA in regards harassing the consumer as this move of willfully negating any and all payment s then reporting a balance increase was malicious in intent and in the context usher forth, a form of punishment for opening a lawful validation of debt complaint though the XXXX XXXX XXXX 
Each one of these a {$1000.00} per violation under the FTC and would be enforceable adjudicated in a Civil court.
Product: Credit card

Capital one has not applied my payments to my accounts. XX/XX/2023 a payment of {$930.00} on one account and {$2000.00} on another account. On XX/XX/2023 was the last date I mailed in 3 payments of {$5000.00} on the 2 accounts that weren't applied on my accounts and was sent certified mail with my payment coupons. Still no actions from them to apply my payments to my principal account. They never sent back any payment coupons that I sent in, nor did they apply any of the coupons to my account. If they didn't send them back then they have accepted them and have yet to apply the payments to my account. The negotiable instruments have been filled out and endorsed by me the living being.
Product: Mortgage

I need help. Mr. Cooper has a trustee sale scheduled on XX/XX/XXXX for my family home valued at {>= $1,000,000} ( XX/XX/XXXX XXXX appraisal - old and market has improved since then ) and there is approx. $ 400K equity from sale after Trustee 's bid of $ XXXX. Excess proceeds would pay-off outstanding balances to IRS and HOA, then leave approximately $ 350K of surplus funds for me to start over and deal with significant health issues. During last recession, I depleted all assets, including 401K, so this is my only source for retirement savings/healthcare ( significant health issues since XXXX and continue- XXXX - like having XXXX XXXX every day ). The home is listed for sale at {>= $1,000,000} and several buyers put home in top two for  consideration, but pending Trustee sale date scares them away. 

I have not received proper notice the sale will not be extended again and Mr. Cooper has been unresponsive to my attempts to contact them over past few weeks. Also, my attempts to obtain a 'Surplus Funds Form ' have gone unanswered for months. In XXXX, I emailed Mr. Cooper 's attorney of record and receive email response stating their files were closed. ( see attached email string attached ). I requested this form from XXXX XXXX XXXX, handling the Trustee Sale, and they do not have one. No one seems to know where to get a copy of form? 

I asked for reinstatement amounts last XXXX and never received. Asking for same over past week via voice mail to Mr. Cooper, but nothing yet. Understand hurricanes have caused increased work for Mr. Cooper and workers overwhelmed. 

Respectfully request the Trustee Sale be extended to XX/XX/XXXX ( 60 days ) to  allow me reasonable time for a buyer to close. 

I have not received property notice due to lack of communication from Mr. Cooper and negative response from Mr. Cooper 's attorney, who stated 'file closed ', but today Mr. Cooper says file is open. Mr. Cooper 's attorney non-responsive to me. 

Please help - I remain in home and keeping it in tip-top shape. Interested buyers are afraid to move forward and feedback very positive - 'lovely home ' and 'well maintained '.
Product: Mortgage

If an online payment fails to process, the ability to make online payments is immediately locked. At that point, your only option is to call their toll-free number to make a payment. I have not been able to speak to anyone for the entire month of XXXX despite spending repeated calls and hours spent on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX To Whom It May Concern, You are in Direct Violation of the Fair Credit Reporting Act. Chase Auto Acct # XXXX has violated several of my rights. 

15 US.C 1681 section 602 A. CLearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely XXXX XXXX