23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XX/XX/XXXX Dear XXXX XXXX XXXX XXXX ; American Honda Financial Services has sent a letter requesting payments for a XXXX XXXX XXXX Account # XXXX. The request to payments arrived from XXXX XXXX XXXX Account # XXXX dated XX/XX/XXXX. 
The debt refers to a XXXX silver color XXXX XXXX vin # XXXX. Plates : XXXX. This vehicle was returned to XXXX XXXX XXXX, CA on XX/XX/XXXX and the status of the vehicle was MINT with the lowest mileage for a vehicle of that year. Disputes were not made in the status of the vehicle. 
American Honda notified me by certified mail the XXXX XXXX XXXX was sold and profit was made out of the vehicle. However, I never received any money back from the difference of the sales. Honda claimed they had applied the difference profit of the sales to any outstanding credit in that vehicle. At the time I handed the vehicle to XXXX XXXX XXXX, the payment was up to date. The monthly payments were paid every month. I later received a letter stating the vehicle was sold and profit was made. I signed a release of interest in that vehicle and was mailed to XXXX XXXX XXXX. At that point there should be no standing debts. However, I see Honda is using a collection services to collect debts that have been closed. 
Attached are the letters and evidences. XXXX XXXX XXXX seems not to have updated the credit to the Credit Bureaus and have kept me as a delinquent customer affecting obviously my credit records and credit scores. 
I would appreciate your assistance in this matter. 
Sincerely. 

XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell ill which resulted in me falling behind on my car payments and as a result my car was repossess and sold at auction. The problem comes in that I was never given a proper deficiency notice which is required by NC state law nor was I given the time nor location of where the auction was taken place which is also against NC state law. Being that I was unable attend the auction due to not being provided with the time nor location of the auction nor receive an appropriate deficiency balance there isn't anyway for me to verify the debt. 
The company XXXX XXXX XXXX did put a remaining amount owed on my credit report starting back on XXXX XXXX but the balance has changed several times. I have tried to reach out to the company through phone to no avail and they do not have an email address for me to message them about the issue. I have raise a complaint with both Experian and XXXX on the matter which both companies conducted a 30 day investigation and found that my statements were accurate. Even within those 30 days still didn't hear anything from XXXX XXXX XXXX. Thought unfortunately there are still discrepancies across all three of my Credit Reports with this company. XXXX is still showing the balance Carmax claims I owe which is {$6500.00}, while XXXX shows same balance but not the total amount. Also there are discrepancies with amongst the credit reports with last payments receive.
Product: Debt collection

On XXXX paid a medical bill to XXXXXXXX XXXX and on XXXX XXXX received a bill for that debt from paramount recovery. Called them that Monday and let them know it was paid in full. They had email receipt to XXXX It took me a while to get receipt from XXXXXXXX XXXX. Got the receipt from XXXX sent it over to the email provided to paramount on Thursday XX/XX/2022. On XX/XX/XXXX I check my credit and it is listed as a collection again. I have the proof it is paid in full. Thank you for your attention in this matter
Product: Debt collection

Receivables Performance Management called my cell phone from XXXX. I returned the call and RPM immediately began asking questions about where I lived, last 4 of social security, mailing address. I asked what the call was about and requested verification of any debt owed, to which they responded they could not give out that information. -- -- - To be clear, I do not owe any debt, and the address they had for me was for a rental property I own.
Product: Credit reporting or other personal consumer reports

My identification and social security card were taken and someone opened several accounts fraudulent accounts using my identity I opened an account at XXXX XXXX which closed my account 3 days after opening the account they notified me of information that XXXX reported a XXXX XXXX account was opened fraudulently also a XXXX XXXX XXXX a XXXX XXXX account and a XXXX XXXXXXXX XXXX credit card and a XXXX XXXX  checking account and a XXXX XXXX  credit card account the person whos stole my identity has been pulled over driving and has claimed to me and has gotten tickets in my name as well i would like to dispute this information and any negative remarks that may show up from the banks i mentioned to be removed do to identity fraud and any negative remarks on all credit reporting agencies to be removed so my rights as a consumer are not violated any further thank you
Product: Mortgage

XXXX XXXX XXXX, XXXX XXXX XXXX as trustee for XXXX 2015 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX,, XXXX PA, XXXX XXXX. 
ILigally foreclosed our homes d trying to evict us. 
No standing, don't own the note, we watched the mortgage, they have vomited federal crimes to steal our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is blocking my ability to unfreeze my credit report temporarily. When I enter my pin it says it is inaccurate, when I request a new pin it says it has submitted it to me, but still says it is an inaccurate pin. When I try to contact the company I get redirected to purchase all their products. I need to get this freeze lifted today.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The Experian and XXXX credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Prepaid card

On Friday, XX/XX/2024, I noticed that I was receiving text messages from XXXX concerning 3 charges made with my card simultaneously. I looked at each message right away, and when I noticed that these charges did not belong to me, I called XXXX immediately to report that these charges were fraudulent. The process of reporting disputes is quite murky. They took my complaint ( or so I thought ), and told me that they would mail me a form to complete in order to even qualify me for a provisional credit ( which totaled a sum of {$490.00} ). As of today, XX/XX/2024, I have still not received the form, which I am to sign and complete and return to their dispute department via email. The form is due XXXX in order for me to even be eligible for a credit, which once the form is submitted, it will take 10 plus days to process. I just opened this account and have only received one direct deposit payment onto the card. Fraudulent activity happened within 1 week of card activation. I have called multiple times, and each time, when asked if any of my statements or comments were noted, as well as to confirm what each previous agent told me, I was told that there were no updates on my account on multiple occasions. I feel disadvantaged at this moment, because I am out of nearly {$500.00} from my payroll, and the process to even receive a temporary credit or reprieve is no where in sight! I have never had these issues with any other prepaid card provider, or bank account.
Product: Mortgage

Amerihome Mortgage, XXXX. XXXX XXXX, XXXX, NJ, XXXX. We paid our mortgage off as of XX/XX/2020. We have an overage of {$1400.00} due to us in our Escrow. We have tried multiple times to get our refund. They sent the initial refund to the original property address ( home we had sold ) and we waited three weeks for it to be rerouted to our new address, of which we registered with USPS. When it did not arrive we called and asked for a new one to be issued and mailed out. They claim they did that, when I checked online to verify, there is no activity past the initial refund check in XXXX. I saw they entered our address as " XXXX XXXX '' instead of " XXXX XXXX '' so I updated it again and hoped the check would somehow make it even with the wrong street name. It never came. This was mid XXXX. We called again in XXXX, multiple times, requested yet another check and was told they would overnight this one. We thought, great, thank you. Well it never came. Called again the next week and are now being told they would not overnight anything like that. The Customer Service Reps are limited in what information they can see and refuse to allow us to talk to a manger or the accounting department to try and finally get this resolved. We are beyond frustrated. We are already two mortgage payments into our new home and still waiting on our refund from this company.
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX Networks : last XXXX of the account number # XXXX. On XX/XX/XXXX I XXXX XXXX about XXXX am called XXXX bank [ Phone Number XXXX ] talked to customer service representative XXXX XXXX and he advised me there was no account or account number ending in XXXX for the amount of {$3600.00} and a credit limit of {$1700.00}. So i couldnt provide you guys with a complete account number if there isnt an account that exist. XXXX XXXX also stated that everything was be recorded. So you guys will have record of that also. The account was supposedly opened on XX/XX/XXXX. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Student loan

Hello, I have an account with Edfinancial, and {$4400.00} of my loan had been paid during the pandemic after XX/XX/XXXX. 

On Tuesday, XX/XX/XXXX, I called Edfinancial to send in a request for a refund of the {$4400.00}. While the request was sent, I am uneasy about the lack of transparency coming from the provider. 

When I asked my customer service representative what the expected processing times would be for this transaction, they could provide me no information. In addition, when I had requested email confirmation of my request, they also could not provide this. This situation is frustrating as most of my concerns lie on how long it will take to get my loan balance of {$4400.00} reinstated on my Edfinancial account. I understand the process of actually getting the refund deposited into my account will take a while, but processing the balance reinstatement has been timely with other loan providers. 

Edfinancial has recently had a massive data breach in which my personal information was leaked. They have also been fined for providing misinformation about the student loan cancellation a few months ago, and now they are being vague with the information they are providing to us. All this doesn't help but make me feel uneasy about their unknown processing times for loan balance reinstatement. It makes less sense as other people online have had their loan balances after refunds reinstated quickly with other loan providers. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries where not undertaken by me. Share same name with family member. 
XXXX for all four dates : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  account XXXX is inaccurately reporting information to the credit bureaus. A letter was sent to the 3 major credit bureaus requesting that that verify the tradeline XXXX XXXX XXXX  was reporting. The investigation came back as accurate. I have no idea how this is possible. 

1st. The high balance is different on every report. TransUnion is reporting a high balance of {$460.00}, while XXXX  & XXXX isnt reporting a high balance at all. How can the tradeline be valid if its not reporting the same with every bureau. 

2. The date of last activity is different on every report. TransUnion has a XX/XX/XXXX date of last activity. XXXX  has a XX/XX/XXXX date of last activity & XXXX  has a XX/XX/XXXX date of last activity. Again, how can XXXX be reporting accurately if its not reporting the same with all 3 bureaus. 

3. The payment history is different with every bureau. XXXX  shows that the account was charged off in XX/XX/XXXX but then shows payments from XXXX but then shows charge offs XX/XX/XXXX & XX/XX/XXXX. How is this even possible?? If the account charged off in XX/XX/XXXX how are payments able to be made in XX/XX/XXXX all the way to XXXX of XXXX? Makes no sense. XXXX  doesnt even have a charge off reporting and TransUnion doesnt have any payments reporting at all. 

Theres no way XXXX XXXX XXXX can truly say they are we reporting accurately when EVERYTHING is different on each credit bureaus. Im demanding that the entire tradeline be deleted!
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 in those account to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no relationship with the named creditors.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I XXXX XXXX am writing this letter because AUTONATION FINANCE has posted an account to my consumer report that does not meet XXXX XXXX compliance and has violated several consumer laws. 15US Code 6802 ( b ) opt out. The consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed. The consumer is given an explanation of how the consumer can exercise that non-disclosure option. AUTONATION FINANCE did not supply me with proof of notification given the option to opt out of this information being reported. This is a direct violation of consumer law that carries a fine of {$1000.00}. They also failed to provide proof that they followed all of the XXXX compliance regulations for this information to be reported. No documentation was given to me showing proof of this information, simply telling me they followed rules and regulations is not acceptable for reporting. Please remove this account form my consumer report because it does not meet nor follow consumer law and XXXX compliance as I provided and proved above. AUTONATION FINANCE did not provide proof that they mailed me letters as required by XXXX. A copy of this letter has also been forwarded to the attorney general office and if this account is not removed as soon as possible legal action will be taken. After you remove this account, I demand that you cease and desist all communication, this is my official notice if you do not comply with this request, legal action will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an oversight on my part, I had not paid the full amount of a payment. Normally I pay extra. I was not contacted via mail, email, or phone to let me know that I was in danger of a 30 day late on my credit report. On my statement it said " pay this amount to avoid a late fee '', nowhere on any statement did it say I would be assessed a 30 day on my credit report, as I have not ever missed a payment. This is my 5th lease with XXXX XXXX  and all my loans until now show exceptional on my credit history. I would think that under the Fair Credit Guidelines that a consumer would at least get a courtesy call to remind them of a small outstanding balance. I once had a similar issue with another creditor and they did give a courtesy call and I paid the outstanding balance over the phone. I have never missed an actual payment with XXXX. I do not see it as just that a creditor can assess a consumer with a 30 day late payment when no payment has been missed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus aren't doing an investigation and asking for proper documentation to verify what their reporting is accurate. I'm asking for method of verification and I've submitted documents and I'm being told they can't accept my documents but they sent them to the companies. These credit bureaus make money off these companies reporting this information and have more priorities with them than the consumer. I would like to have a method of verification sent to me and I've yet to be provided this documentation. I have inquiries that aren't permissible and when I try and dispute them to get them deleted I'm told I have to file a police report or file a FTC complaint. The FCRA doesn't state this anywhere but yet the credit bureaus are allowed to use this false information as a way to not do a proper investigation. The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX, XXXX, and XXXX XXXX XXXX. This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : FACTUAL DATA. 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 via FACTUAL DATA. Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Checked my credit this morning and was alarmed to find that I had a derogatory collection on my credit. The collection agency isMRS BPO. The original creditor was XXXX XXXX XXXX. I called the collection company and they said the account originated in XXXX, I do not live in XXXX, I live in Washington. I have not had XXXX XXXX XXXX  since XXXX. Please help me investigate this,
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.