23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked several time 's for LVNV Funding LLC to verify that the debts are mine. They have been unable to verify this information as of today. I have even offered to pay the debt to remove them both from my credit bureau reports ; as I am attempting to buy a home and this is prohibiting me from bettering my life and building a financially secure future.I want both accounts that LVNV Funding holds to be removed from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Look at the discrepancies on the way this XXXX account is reporting below. Not only is missing information. ITs reporting incomplete, misleading, and with multiple inaccuracies. For the last 4-5 months, I been trying to reach out to them directly to resolve this issue, and they failed to report who this account was transferred when it was charged off. Now its reporting incorrect and wrong balances across all the 3 credit reporting agencies, and how come its reporting different payment statuses on payment history below after the account was closed. Its my understanding that it shouldnt be reported as such. Isnt that a violation? Plus, Ive already went ahead and paid-off this account and they guaranteed that they will notify XXXX to delete this account from my credit report. Its reporting with so many inaccuracies and errors. DELETE NOW, and Im not liable. DELETE DELETE DELETE! SEE ATTACHMENTSSSSS
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 : Called Mercedes Benz Financial to report I was incorrectly listed as a co-signer on a vehicle purchase. They said they would get back to me. 
XX/XX/2023 : Contacted Mercedes Benz of XXXX XXXX. XXXX, TX. They said they can not do anything to help XX/XX/2023. Contacted Mercedes Benz Financial. I was instructed to mail a letter. I mailed the letter on XX/XX/2023 via certified mail. XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2023. Reported the credit dispute to XXXX. 
XX/XX/2023. XXXX contacted Mercedes Benz Financial and said they would not remove XXXX XXXX as a co-signer. 
XX/XX/2023 : I Contacted Mercedes Benz Financial, and they said I have to wait for a response. It takes up to 30 days. 
XX/XX/2023. I contacted Mercedes Benz Financial ; They said I have to continue to wait. 
XX/XX/2023. Submitted a new credit dispute with XXXX. 
XX/XX/2023. XXXX said Mercedes Benz Financial said they would not remove it. 
XX/XX/2023. Contacted Mercedes Benz Financial. They said I would have to wait. 
Please see attached contract from Mercedes Benz Financial.
Product: Checking or savings account

I hadn't thought I'd overdrawn my account ( and I've talked to Reps about this, before - PLEASE stop letting MORE transactions go through, once I'm overdrawn ), but after a week away taking care of elderly parents ( not to use this as an excuse, it's just if you ever have to do this too, you might forget about Banking and Fees and all other stuff for a bit ) away in the suburbs, I overdrew my account. 
XXXX On XX/XX/XXXX, I put in {$120.00}, in CASH ( **NOTE : ** Reps have told me it takes DAYS to actually clear ANY online deposits btw, even if your own login page shows it's " cleared '' and, even if you do an " instant transfer '' - this is another issue I have ) thinking I was Fine- but No! I was " fined. '' My {$120.00} netted me ( what I thought was a positive balance of ) {$28.00} - Again, WHY are things still being taken out of an overdrawn account, anyway- BUT- it was actually a negative balance of {$28.00}. [ see receipt, you can tell how I made the mistake. ] So this began a snowball effect of " Overdraft Fees '' and " Sustained Fees '' to what's now about to be a total of {$200.00} ( XXXX x {$30.00} " sustained ; XXXX x {$35.00} " regular '' including one Right Now ). I even had an overdraft fee when my account went {$.00} over ( that's XXXX cents ). [ see the " Citizens Fees '' document ; it's only part of the full page but shows a good glimpse. ] XXXX I've had this issue before, and thought I'd gotten to a place where, at some point, stuff STOPS being withdrawn from an overdrawn account. I do realize the problem began on MY end, but- are so many fines really necessary? How does one dig out of it if it becomes throwing Good Money after Bad? 
XXXX On XX/XX/XXXX I directly called an executive at Citizens, I'll call him XXXX., ( I can back this up but I'm not putting personal info here ) he'd helped me before and was really nice about it ... I left a message/voice mail with specifics but didn't receive a call back ( today is XX/XX/XXXX ), or an email. Maybe he didn't receive it though. But now I'm about to go even further into " the hole. '' Help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are not reporting accurate information about me, violating my privacy rights. I never gave permission for anyone to access my private records or share this information. I demand that you remove the incorrect items from my consumer file immediately. Sharing my information without consent is identity theft, which is unlawful. I demand Transunion and XXXX to remove inaccurate, unverifiable, and fraudulent accounts on my credit report immediately.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

A chapter XXXX bankruptcy is being reported on Tranunion, XXXX and XXXX reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XXXX-18 ) it still remains.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX, XXXX & XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have found inaccurate information that continues to be reported, despite multiple disputes. Although you have previously verified this information as accurate, I have attached concrete proof that clearly demonstrates the errors. By continuing to report these inaccuracies, you are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 623, which require credit bureaus and furnishers to investigate and correct inaccurate information. 

I am formally requesting that this inaccurate information be removed from my credit report immediately. Please see the attached documentation that supports my claim. Failure to correct this error would be a continued violation of my rights under the FCRA, and I expect swift action to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to dispute a medical collection that appears on my credit report. The collection in question is XXXX XXXX XXXX, and the amount is {$830.00}. Account number is XXXX. 

I am disputing this collection because it is in violation of several consumer laws and federal laws. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and complete credit reports. However, in this case, the collection agency has not provided sufficient documentation to prove that the debt is valid. 

Furthermore, the collection agency may have violated the Fair Debt Collection Practices Act ( FDCPA ) by not following proper protocol when attempting to collect the debt. Specifically, they may have engaged in harassing or abusive behavior, or used deceptive tactics to pressure me into paying the debt. 

Finally, the medical collection may be in violation of the Health Insurance Portability and Accountability Act ( HIPAA ). This law requires healthcare providers to keep patient information confidential, and to obtain written consent before sharing patient information with third parties. If the collection agency obtained my medical information without my consent, they may have violated HIPAA.

I am requesting that you remove this collection from my credit report immediately. Please provide me with detailed information about the debt, including the name and address of the original creditor, the date the debt was incurred, and any other relevant information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

in XXXX XXXX tcf bank started on a totally free checking acct charging a dormant fee of XXXX $ per mo.when i opened the acct in XX/XX/XXXX i was told totally free checking unless i went negative of corse, stopped using the acct in XX/XX/XXXX regularly.watched my statements monthly on line for about a year and all normal, was traveling the past year and thought nothing of this acct and figured in the future when getting back would surely use it again,XXXX $ was in acct and had n't changed in a year when i left, on XX/XX/XXXX i got a statement email, opened online and saw XXXX $ a month since XXXX XXXX had been being feed, i called customer service and the agent XXXX id # XXXX said she was the supervisor and could only give back half XXXX $ and sorry but it is all she could do
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these inquiries are not authorized by me
Product: Debt collection

XXXX XXXX and XXXX sold a debt to XXXX XXXX  XXXX. My personal information was used to open an account with XXXX XXXX and XXXX. I informed them of this and the debt was removed. However, they sold my personal information to XXXX XXXX  XXXX conspiring with the initial identity theft.
Product: Vehicle loan or lease

Hello, I am requesting that Chase 1 ). remove all credit marks from my account and update all three credit bureaus and 2 )  remove all late charges accrued on the account and 3 ) make an exception and grant me an extension for my XXXX or XXXX payment to assist me with getting my loan back on track. Here 's why : My loan payments have been running slightly behind due to being laid off of work at various times during the year. As a result my account has accrued late charges. When I call into Chase to discuss my account and make payment arrangements I am always advised of the total amount due which include late charges. On multiple occasions, the most recent being XX/XX/XXXX my wife and I called in to discuss the account. We were advised of the total amount due for two months including late charges. On this occasion and on the previous call we asked what was the total car payment due. On both occasions the representative told us an amount that included late charges. Because I was laid off I could not afford to pay the late charges and this is why we specifically asked for the amount due for the car payment. It was then that I realized that the representatives had been quoting me the total due including late charges. This is an issue for me because my payments have gone over 30 days late multiple times. One month the car payment due was approximately {$50.00}. Had I known that I would have been able to make the car payment before it went over 30 days past due. This also happened another time. I feel that Chase is misinforming me and being sly in their collection efforts. They are miscommunicating information to me and being sly in their collection efforts. As a result my payments have gone later than they should have. I am requesting that they remove all credit marks from my account. Also due to the inconvenience I would like them to waive late charges from my account. On XX/XX/XXXX or XX/XX/XXXX I spoke with supervisor XXXX XXXX and explained how his representatives had improperly informed me on multiple occasions. I explained that I could have paid the partial car payments that were due to prevent the account from going over 30 days and marking my credit. He said if I were making the payments on time per the contract I wouldnt have to rely on his representatives giving me information. He also said that the credit marks were my own fault and that because I broke my arrangement to pay my account went delinquent. My wife and I talked to him at length and he did nothing but attack us. As a result of this experience I expect Chase to compensate me and forgive all late charges on the account.
Product: Credit reporting or other personal consumer reports

Disputed inaccuracies being reported on my credit via certified mail. I have receipts that show they received it. I never received a response for inquiries on my credit as well as no response for another inaccurate account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.
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. Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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, credit repair services, or other personal consumer reports

* XX/XX/2019, received letter from XXXX XXXX stating I had been unfairly penalized by the application of XXXX charges when I actually had insurance. The letter had a check attached and stated the remaining balance on my car loan would be waived and the credit reporting agencies would be contacted to correct or remove negative reporting. " No further action required from you. '' XX/XX/2019, I was still receiving collection calls from XXXX XXXX. Emailed and faxed a copy of the letter to collections and received confirmation of receipt but no follow up. 

XX/XX/2019, I called and XXXX team transferred me to collections who told me to fax the credit reporting team. I did and had no follow up. 

XX/XX/2019, same as XX/XX/2019. 

XX/XX/2019, received notification a negative mark had been added to my credit report as the loan was reported as charged off, which is not what I was promised. Called XXXX XXXX went through the same transfer from XXXX to collections and then was told to file dispute with collection bureaus ( who told me to call the bank ) and email credit reporting team. 

In short, no one will help me. The people at XXXX XXXX who have the power to fix this won't even though I have it in writing that all collections will cease, all negative remarks will be removed and any amount due forgiven.
Product: Credit reporting or other personal consumer reports

The Department of Ed XXXX XXXX has placed two accounts on my credit profile without my authorization.

15 USC Sec. 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

Im writing this complaint today because Transunoin is violating my consumer rights and not doing a proper job at investigating these accounts. Every time I send in a dispute Transunoin send me a letter saying " They applaud my effort to take charge of my credit '' which feel is a automatic response they send instead of them completing a proper investigation and sending me my results, this is against the law. I have attached a copy of this letter that i received from transunoin. These accounts are reporting inaccurately on my credit report. I sent debt validation request with account information to XXXX about account # XXXX and the documents I was sent back does not match with what Transunion is reporting. Date opened is mix matched across all the credit reporting agencies, high credit is inaccurate, On the account they are reporting with jpmcb account number # XXXX claim to be a collection account but they are reporting there are late payments another violation. Same as with XXXX XXXX account number XXXX, This is claimed to be a collection account but is reporting late payments. I have attached copies of screen shots of the inaccuracies in their reporting. The credit reporting agencies are getting away with a lot of violations to my consumer report and i am saving all of these communications and disputes just in case I have to take my case to court. I disputed the completeness and accuracy of my report using the metro 2 system and I demand they use this one that I upload and complete proper investigation and delete these incomplete inaccurately reporting accounts. A fair resolution will be for transunion to delete these accounts from my credit report and cease reporting them.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to apply for an account with XXXX  ; when the identity verification came up, none of the questions apply to me and I have my Experian credit report to prove it. However, when I called to speak with customer service, they refused to help me. The information contained in my Experian credit report is incorrect and is preventing me from pulling a new credit report with XXXX, XXXX, nor was I able to use XXXX
Product: Consumer Loan

My car was repossessed this morning! It was a shock because I never receive any notification, not by telephone call, not a single mail, just nothing out of the blue. We have been faithful in our payments, never missing any. We have set up an automatic monthly payment. I called the car loan and they said I am 90 days overdue. 

I suspect this may be due to a bank merger, my bank changed to a new bank. That is where automatic monthly may mess up. But what I am furious about that there zero communique at all! When I called the bank, I found out that they had my old address and telephone number on the record. I called them two years ago to update my new address and telephone number. They have been deducting my payments without any problem since I updated my address & telephone.